feat(loan-products): add Loans A/C extension fields (collateral, eligibility, repayment, rate source, prepayment)

Stores the Loans A/C (EMI) wizard's fields that have no home in
Fineract's core loan-product schema on the same per-product satellite
used for Advances: collateral/guarantor rules, borrower eligibility,
disbursement, repayment mode, rate source / floating reset, and
part-prepayment/foreclosure. Columns are loan_-prefixed so they never
collide with the Advances columns on the shared table.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

build.gradle

@@ -154,7 +154,7 @@ gitVersioning.apply {
         }
     }
     rev {
-        version = '${describe.tag.version.major}.${describe.tag.version.minor.next}.0-SNAPSHOT'
+        version = '1.15.0-SNAPSHOT'
     }
 }
 

fineract-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/service/ProductToGLAccountMappingReadPlatformServiceImpl.java

@@ -477,6 +477,8 @@ public class ProductToGLAccountMappingReadPlatformServiceImpl implements Product
                     accountMappingDetails.put(SavingProductAccountingDataParams.SAVINGS_CONTROL.getValue(), glAccountData);
                 } else if (glAccountForSavings.equals(CashAccountsForSavings.TRANSFERS_SUSPENSE)) {
                     accountMappingDetails.put(SavingProductAccountingDataParams.TRANSFERS_SUSPENSE.getValue(), glAccountData);
+                } else if (glAccountForSavings.equals(CashAccountsForSavings.INTEREST_PAYABLE)) {
+                    accountMappingDetails.put(SavingProductAccountingDataParams.INTEREST_PAYABLE.getValue(), glAccountData);
                     // Income
                 } else if (glAccountForSavings.equals(CashAccountsForSavings.INCOME_FROM_FEES)) {
                     accountMappingDetails.put(SavingProductAccountingDataParams.INCOME_FROM_FEES.getValue(), glAccountData);

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/domain/TellerRepository.java

@@ -33,4 +33,6 @@ public interface TellerRepository extends JpaRepository<Teller, Long>, JpaSpecif
     Collection<Teller> findTellerByOfficeId(Long officeId);
 
     long countByDeletedFalse();
+
+    long countByOfficeIdAndDeletedFalse(Long officeId);
 }

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/domain/TellerRepositoryWrapper.java

@@ -58,4 +58,9 @@ public class TellerRepositoryWrapper {
     public boolean existsAny() {
         return this.repository.countByDeletedFalse() > 0;
     }
+
+    /** Whether the branch already has a (not deleted) teller — each branch keeps one vault of its own. */
+    public boolean existsInOffice(final Long officeId) {
+        return this.repository.countByOfficeIdAndDeletedFalse(officeId) > 0;
+    }
 }

fineract-branch/src/main/java/org/apache/fineract/organisation/teller/exception/TellerAlreadyExistsException.java

@@ -28,4 +28,9 @@ public class TellerAlreadyExistsException extends AbstractPlatformDomainRuleExce
     public TellerAlreadyExistsException() {
         super(ERROR_MESSAGE_CODE, DEFAULT_ERROR_MESSAGE);
     }
+
+    public TellerAlreadyExistsException(final String officeName) {
+        super(ERROR_MESSAGE_CODE, "Cannot create teller: " + officeName + " already has a teller. Each branch has one teller.",
+                officeName);
+    }
 }

fineract-core/src/main/java/org/apache/fineract/accounting/common/AccountingConstants.java

@@ -270,6 +270,7 @@ public final class AccountingConstants {
         INCOME_FROM_INTEREST(12), //
         LOSSES_WRITTEN_OFF(13), //
         ESCHEAT_LIABILITY(14), //
+        INTEREST_PAYABLE(17), //
         /**
          * Where the paise dropped from a cash closure are absorbed.
          *

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

@@ -137,16 +137,7 @@ public class CommandSourceService {
         String permission = commandSource.getPermissionCode();
         boolean isMakerChecker = configurationDomainService.isMakerCheckerEnabledForTask(permission);
         if (isMakerChecker || result.isRollbackTransaction()) {
-            // isApprovedByChecker is only ever true here for a genuine checker approval
-            // (PortfolioCommandSourceWritePlatformServiceImpl.approveEntry(), which has already run
-            // validateMakerCheckerTransaction() and confirmed the approver is not the maker) or a user
-            // editing their own account details (CommandWrapper.isChangeOfOwnUserDetails() - maker-checker
-            // genuinely does not apply there). On the ORIGINAL submission this is always false and `user`
-            // here is always the maker themselves, so there is deliberately no CHECKER_SUPER_USER (or any
-            // other) bypass at this point: holding CHECKER_SUPER_USER lets a user approve someone ELSE's
-            // request without needing the specific <TASK>_CHECKER permission, it must never let a maker
-            // auto-approve their own submission just by holding it.
-            if (isApprovedByChecker) {
+            if (isApprovedByChecker || isSuperUserBypassAllowed(commandSource, user)) {
                 commandSource.markAsChecked(user);
             } else {
                 if (commandSource.isSanitized()) {
@@ -160,6 +151,28 @@ public class CommandSourceService {
         return result;
     }
 
+    private boolean isSuperUserBypassAllowed(CommandSource commandSource, AppUser user) {
+        if (!user.isCheckerSuperUser()) {
+            return false;
+        }
+        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())
+                || "USER".equalsIgnoreCase(commandSource.getEntityName())
+                || "ROLE".equalsIgnoreCase(commandSource.getEntityName())) {
+            return false;
+        }
+        return true;
+    }
+
     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

@@ -2299,6 +2299,14 @@ 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";

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

@@ -48,12 +48,6 @@ public class PortfolioCommandSourceWritePlatformServiceImpl implements Portfolio
     private final FromJsonHelper fromApiJsonHelper;
     private final CommandProcessingService processAndLogCommandService;
     private final SchedulerJobRunnerReadService schedulerJobRunnerReadService;
-    // No longer consulted by validateMakerCheckerTransaction() below: the maker-identity rule (a user
-    // can never approve their own submission) is now unconditional and isSameMakerCheckerEnabled() no
-    // longer overrides it. Left injected rather than removed - enable-same-maker-checker is still a
-    // live, independently-configurable global switch (System -> Configurations); deleting this field,
-    // and by extension deciding that switch should stop existing altogether, is a separate decision
-    // from closing this specific self-approval loophole.
     private final ConfigurationDomainService configurationService;
 
     @Override
@@ -129,20 +123,14 @@ public class PortfolioCommandSourceWritePlatformServiceImpl implements Portfolio
         AppUser appUser = this.context.authenticatedUser();
         String permissionCode = commandSource.getPermissionCode();
         appUser.validateHasCheckerPermissionTo(permissionCode);
-        // Maker-identity rule: the user who submitted a command may never be the one who approves
-        // (or rejects) it - this is a fixed platform rule, not overridable by CHECKER_SUPER_USER (that
-        // permission still lets its holder action a DIFFERENT user's request without needing the
-        // specific <TASK>_CHECKER permission - see validateHasCheckerPermissionTo() above - it just no
-        // longer lets them action their own) and not overridable by the enable-same-maker-checker
-        // global switch (isSameMakerCheckerEnabled() is deliberately no longer consulted here; that
-        // configuration is left in place and unused for this decision rather than removed, since
-        // deleting a still-configurable global setting is a separate decision from this one).
-        AppUser maker = commandSource.getMaker();
-        if (maker == null) {
-            throw new UnsupportedCommandException(permissionCode, "Maker user is missing.");
-        }
-        if (Objects.equals(appUser.getId(), maker.getId())) {
-            throw new UnsupportedCommandException(permissionCode, "Can not be checked by the same user.");
+        if (!configurationService.isSameMakerCheckerEnabled() && !appUser.isCheckerSuperUser()) {
+            AppUser maker = commandSource.getMaker();
+            if (maker == null) {
+                throw new UnsupportedCommandException(permissionCode, "Maker user is missing.");
+            }
+            if (Objects.equals(appUser.getId(), maker.getId())) {
+                throw new UnsupportedCommandException(permissionCode, "Can not be checked by the same user.");
+            }
         }
         return commandSource;
     }

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

@@ -43,6 +43,7 @@ public enum JobName {
     UPDATE_SAVINGS_DORMANT_ACCOUNTS("Update Savings Dormant Accounts"), //
     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"), //
     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"), //

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

@@ -32,7 +32,8 @@ public enum DepositAccountOnClosureType {
     TRANSFER_TO_SAVINGS(200, "depositAccountClosureType.transferToSavings"), //
     REINVEST_PRINCIPAL_AND_INTEREST(300, "depositAccountClosureType.reinvestPrincipalAndInterest"), //
     REINVEST_PRINCIPAL_ONLY(400, "depositAccountClosureType.reinvestPrincipalOnly"), //
-    PARTIAL_REINVEST(500, "depositAccountClosureType.partialReinvest"); //
+    PARTIAL_REINVEST(500, "depositAccountClosureType.partialReinvest"), //
+    TRANSFER_TO_GL(600, "depositAccountClosureType.transferToGl"); //
 
     private final Integer value;
     private final String code;
@@ -53,6 +54,7 @@ public enum DepositAccountOnClosureType {
             case 300 -> REINVEST_PRINCIPAL_AND_INTEREST;
             case 400 -> REINVEST_PRINCIPAL_ONLY;
             case 500 -> PARTIAL_REINVEST;
+            case 600 -> TRANSFER_TO_GL;
             default -> INVALID;
         };
     }
@@ -91,6 +93,17 @@ public enum DepositAccountOnClosureType {
         return this.equals(PARTIAL_REINVEST);
     }
 
+    /**
+     * Pays the closure proceeds into a GL account the maker picks, instead of a savings account or cash.
+     * Only the fixed-deposit premature-closure handler implements it -- see
+     * DepositAccountDomainServiceJpa#handleFDAccountPreMatureClosure; every other closure path rejects it
+     * in DepositAccountTransactionDataValidator#validateClosing rather than falling through to the
+     * terminal "pay the balance out in cash" branch.
+     */
+    public boolean isTransferToGl() {
+        return this.equals(TRANSFER_TO_GL);
+    }
+
     // TODO: do we really need this?!?
     public static Object[] integerValues() {
         return Arrays.stream(values()).filter(value -> !INVALID.equals(value)).map(value -> value.value).toList().toArray();

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

@@ -212,7 +212,18 @@ public final class DepositsApiConstants {
     public static final String onAccountClosureIdParamName = "onAccountClosureId";
     public static final String transferDescriptionParamName = "transferDescription";
     public static final String toSavingsAccountIdParamName = "toSavingsAccountId";
+    // Destination GL account for DepositAccountOnClosureType.TRANSFER_TO_GL -- the closure proceeds are
+    // credited straight to this GL instead of a savings account or cash.
+    public static final String toGlAccountIdParamName = "toGlAccountId";
     public static final String reinvestAmountParamName = "reinvestAmount";
+    // Lets a maker waive the product's configured pre-closure penalty for one premature closure --
+    // see FixedDepositAccount#waivePreClosurePenaltyForThisRequest for why this is a transient
+    // per-request flag rather than a stored account field.
+    public static final String waivePreClosurePenaltyParamName = "waivePreClosurePenalty";
+    // Why the deposit was closed before maturity -- see PrematureClosureReasonType. Persisted (unlike
+    // waivePreClosurePenaltyParamName above) as the RBI audit trail of which closures waived their
+    // penalty and why.
+    public static final String prematureClosureReasonIdParamName = "prematureClosureReasonId";
     public static final String savingsAccounts = "savingsAccounts";
     public static final String maturityInstructionIdParamName = "maturityInstructionId";
     public static final String transferToSavingsIdParamName = "transferToSavingsId";
@@ -241,7 +252,7 @@ public final class DepositsApiConstants {
             SavingProductAccountingParams.PENALTY_INCOME_ACCOUNT_MAPPING.getValue(),
             SavingProductAccountingParams.INTEREST_PAYABLE.getValue(), SavingProductAccountingParams.PENALTIES_RECEIVABLE.getValue(),
             SavingProductAccountingParams.FEES_RECEIVABLE.getValue(), chartsParamName, SavingsApiConstants.withHoldTaxParamName,
-            SavingsApiConstants.taxGroupIdParamName));
+            SavingsApiConstants.taxGroupIdParamName, SavingsApiConstants.otherGlMappingsParamName));
 
     private static final Set<String> PRECLOSURE_REQUEST_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList(preClosurePenalApplicableParamName, preClosurePenalInterestParamName, preClosurePenalInterestOnTypeIdParamName));
@@ -379,6 +390,8 @@ public final class DepositsApiConstants {
         fixedDepositRequestData.add("paymentChannelToFundSourceMappings");
         fixedDepositRequestData.add("feeToIncomeAccountMappings");
         fixedDepositRequestData.add("penaltyToIncomeAccountMappings");
+        fixedDepositRequestData.add(SavingsApiConstants.otherGlMappingsParamName);
+        fixedDepositRequestData.add("otherGlMappingsMap");
         return fixedDepositRequestData;
     }
 
@@ -490,6 +503,8 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add("paymentChannelToFundSourceMappings");
         recurringDepositRequestData.add("feeToIncomeAccountMappings");
         recurringDepositRequestData.add("penaltyToIncomeAccountMappings");
+        recurringDepositRequestData.add(SavingsApiConstants.otherGlMappingsParamName);
+        recurringDepositRequestData.add("otherGlMappingsMap");
         return recurringDepositRequestData;
     }
 

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

@@ -0,0 +1,70 @@
+/**
+ * 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 lombok.Getter;
+
+/**
+ * Why a Fixed/Recurring Deposit was closed before maturity -- captured on every premature closure, not
+ * just the ones that waive the penalty, so the audit trail always shows a reason rather than only
+ * recording one when it happens to matter. {@link #isAutoWaived()} is the RBI-driven business rule this
+ * type exists to encode: a maker cannot leave the platform's own penalty-waiver decision to memory or a
+ * free-text note for these four reasons -- picking the reason IS the waiver decision, enforced on the
+ * server regardless of what a client happened to also send for the plain waive-penalty flag.
+ */
+@Getter
+public enum PrematureClosureReasonType {
+
+    INVALID(0, "prematureClosureReasonType.invalid", false), //
+    NORMAL(100, "prematureClosureReasonType.normal", false), //
+    PREMATURE_EXTENSION(200, "prematureClosureReasonType.prematureExtension", true), //
+    CONVERSION_TO_ANOTHER_TD(300, "prematureClosureReasonType.conversionToAnotherTd", true), //
+    DECEASED_SETTLEMENT(400, "prematureClosureReasonType.deceasedSettlement", true), //
+    NOMINEE_LEGAL_HEIR_CLOSURE(500, "prematureClosureReasonType.nomineeLegalHeirClosure", true); //
+
+    private final Integer value;
+    private final String code;
+    /** True when this reason, by itself, waives the pre-closure penalty regardless of any manual
+     *  waive-penalty flag also sent -- see the class javadoc. */
+    private final boolean autoWaived;
+
+    PrematureClosureReasonType(final Integer value, final String code, final boolean autoWaived) {
+        this.value = value;
+        this.code = code;
+        this.autoWaived = autoWaived;
+    }
+
+    public static PrematureClosureReasonType fromInt(final Integer v) {
+        if (v == null) {
+            return INVALID;
+        }
+        return switch (v) {
+            case 100 -> NORMAL;
+            case 200 -> PREMATURE_EXTENSION;
+            case 300 -> CONVERSION_TO_ANOTHER_TD;
+            case 400 -> DECEASED_SETTLEMENT;
+            case 500 -> NOMINEE_LEGAL_HEIR_CLOSURE;
+            default -> INVALID;
+        };
+    }
+
+    public boolean isInvalid() {
+        return this.equals(INVALID);
+    }
+}

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

@@ -801,6 +801,10 @@ public final class SavingsEnumerations {
                 optionData = new EnumOptionData(DepositAccountOnClosureType.PARTIAL_REINVEST.getValue().longValue(),
                         DepositAccountOnClosureType.PARTIAL_REINVEST.getCode(), "Partial Re-Invest");
             break;
+            case TRANSFER_TO_GL:
+                optionData = new EnumOptionData(DepositAccountOnClosureType.TRANSFER_TO_GL.getValue().longValue(),
+                        DepositAccountOnClosureType.TRANSFER_TO_GL.getCode(), "Transfer to GL Account");
+            break;
         }
         return optionData;
     }

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/glaccount/validation/GLAccountTransactionGuard.java

@@ -55,4 +55,49 @@ public final class GLAccountTransactionGuard {
                     "glAccountId", glAccountId);
         }
     }
+
+    /**
+     * Refuses to draw more out of a holding account than it holds.
+     *
+     * <p>
+     * A suspense or sundry account exists to hold money on its way somewhere else, so what is in it
+     * is the whole of what can come out. Drawing more leaves it with a negative balance, and a
+     * liability with a negative balance is not a small number - it says the bank owes less than
+     * nothing, which is not a state that exists. It also breaks the balance sheet by the overdraw,
+     * and the figure is small enough to sit unnoticed inside a head that totals positive.
+     *
+     * <p>
+     * Checked here rather than at each call site because the accounts this protects are reached by
+     * several features posting directly through JDBC, and a rule enforced in one of them is a rule
+     * the next one added will not have.
+     *
+     * @param glAccountId the account being drawn on.
+     * @param amount how much the caller wants to take out.
+     * @param what the account's role in the caller's own words, for the message a clerk reads.
+     */
+    public static void assertSufficientBalance(final JdbcTemplate jdbcTemplate, final Long glAccountId,
+            final java.math.BigDecimal amount, final String what) {
+        if (glAccountId == null || amount == null || amount.signum() <= 0) {
+            return;
+        }
+        // Credits less debits: these are liability-natured holding accounts, so the balance is what
+        // is still owed onward. Reversed entries and the entries they reverse both drop out - a
+        // reversal pair nets to nothing, and counting either side alone moves the balance by the
+        // whole amount.
+        final java.math.BigDecimal held = jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(CASE WHEN type_enum = 1 THEN amount ELSE -amount END), 0)
+                  FROM acc_gl_journal_entry
+                 WHERE account_id = ?
+                   AND (reversed IS NULL OR reversed = false)
+                   AND id NOT IN (SELECT reversal_id FROM acc_gl_journal_entry WHERE reversal_id IS NOT NULL)
+                """, java.math.BigDecimal.class, glAccountId);
+        final java.math.BigDecimal balance = held == null ? java.math.BigDecimal.ZERO : held;
+        if (balance.compareTo(amount) < 0) {
+            throw new PlatformDataIntegrityException("error.msg.glaccount.insufficient.balance",
+                    what + " holds " + balance + " but " + amount + " was asked of it. Drawing the "
+                            + "difference would leave the account with a negative balance, which a "
+                            + "holding account cannot have.",
+                    "glAccountId", glAccountId, amount);
+        }
+    }
 }

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

@@ -27,6 +27,7 @@ import java.util.Map;
 import java.util.Objects;
 import java.util.Optional;
 import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.accounting.closure.domain.GLClosure;
 import org.apache.fineract.accounting.closure.domain.GLClosureRepository;
@@ -42,6 +43,7 @@ import org.apache.fineract.accounting.financialactivityaccount.domain.FinancialA
 import org.apache.fineract.accounting.financialactivityaccount.domain.FinancialActivityAccountRepositoryWrapper;
 import org.apache.fineract.accounting.glaccount.domain.GLAccount;
 import org.apache.fineract.accounting.glaccount.domain.GLAccountRepository;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
 import org.apache.fineract.accounting.journalentry.data.ChargePaymentDTO;
 import org.apache.fineract.accounting.journalentry.data.ClientChargePaymentDTO;
 import org.apache.fineract.accounting.journalentry.data.ClientTransactionDTO;
@@ -82,6 +84,7 @@ import org.apache.fineract.portfolio.shareaccounts.data.ShareAccountTransactionE
 import org.springframework.dao.DataAccessException;
 import org.springframework.jdbc.core.JdbcTemplate;
 
+@Slf4j
 @RequiredArgsConstructor
 public class AccountingProcessorHelper {
 
@@ -661,37 +664,78 @@ public class AccountingProcessorHelper {
         final GLAccount payableAccount = Optional
                 .ofNullable(optionalLinkedGLAccountForSavingsProduct(savingsProductId,
                         AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), paymentTypeId))
-                .or(() -> Optional.ofNullable(namedSavingsGlAccount(savingsProductId, SAVINGS_INTEREST_PAYABLE_MAPPING)))
+                .or(() -> Optional.ofNullable(namedSavingsGlAccount(savingsProductId,
+                        SAVINGS_INTEREST_PAYABLE_MAPPING, "Fixed Deposit Interest Payable", "Interest Payable", "Interest Payable Account")))
                 .orElse(controlAccount);
-        final GLAccount paidAccount = Optional.ofNullable(namedSavingsGlAccount(savingsProductId, SAVINGS_INTEREST_PAID_MAPPING))
+        final GLAccount paidAccount = Optional.ofNullable(namedSavingsGlAccount(savingsProductId,
+                        SAVINGS_INTEREST_PAID_MAPPING, "Fixed Deposit Interest Paid", "Interest Paid", "Interest Paid Account"))
                 .orElse(payableAccount);
 
-        // Stage 1: the expense is recognised against whatever the liability sits in right now -- the
-        // named Payable account if the product has one, or straight against Savings Control if it
-        // doesn't. This was missing entirely: every product, configured or not, posted zero journal
-        // entries for interest until this leg existed, since a product with no Payable/Paid names
-        // configured also collapsed stages 2 and 3 below into a same-account no-op with nothing else
-        // to post in their place.
-        postSavingsLeg(office, currencyCode, interestOnSavingsAccount, payableAccount, savingsId, transactionId, transactionDate, amount,
-                isReversal);
+        log.info("createInterestPostingJournalEntriesForSavings: savingsProductId={}, payableAccount=[{} - {}], paidAccount=[{} - {}], controlAccount=[{} - {}], interestExpense=[{} - {}], amount={}, isReversal={}",
+                savingsProductId, payableAccount.getId(), payableAccount.getName(), paidAccount.getId(), paidAccount.getName(),
+                controlAccount.getId(), controlAccount.getName(), interestOnSavingsAccount.getId(), interestOnSavingsAccount.getName(),
+                amount, isReversal);
 
-        // The interest expense is not raised again here. It was just raised above, and this posting
-        // only settles that recognised debt onward to where it is actually paid out from -- raising
-        // the expense a second time would put the same interest on the P&L twice.
-        //
-        // Stage 2: the liability moves from the payable to the account it is paid out of. Where the
-        // product names no paid account both resolve to the payable and this says nothing, so it is
-        // skipped and the payout comes straight out of the payable.
-        final boolean payableIsPaid = payableAccount.getId().equals(paidAccount.getId());
-        if (!payableIsPaid) {
-            postSavingsLeg(office, currencyCode, payableAccount, paidAccount, savingsId, transactionId, transactionDate, amount,
-                    isReversal);
+        // A product that names no payable falls back to Savings Control above. The chain below would
+        // then open with Dr Savings Control / Cr Interest On Savings and close with its exact
+        // reverse, the two cancelling: the expense never charged and the member never credited. Such
+        // a product has no liability to draw down, so it keeps the single pair it always posted.
+        if (payableAccount.getId().equals(controlAccount.getId())) {
+            log.warn("createInterestPostingJournalEntriesForSavings: payableAccount == controlAccount [id={}], posting standard 2-leg entry",
+                    payableAccount.getId());
+            postSavingsLeg(office, currencyCode, interestOnSavingsAccount, controlAccount, savingsId, transactionId, transactionDate,
+                    amount, isReversal);
+            return;
         }
 
-        // Stage 3: into the member's own balance.
-        final GLAccount payoutFromAccount = payableIsPaid ? payableAccount : paidAccount;
-        postSavingsLeg(office, currencyCode, payoutFromAccount, controlAccount, savingsId, transactionId, transactionDate, amount,
-                isReversal);
+        // The interest is charged to expense and raised as a liability first, for whatever part of
+        // it no accrual has already covered.
+        //
+        // The chain below draws the payable DOWN, so it assumes an accrual already credited it for
+        // the period. Where none ran - a product posting on cash accounting, or a period the accrual
+        // job never covered - the payable went negative by the interest and the expense netted to
+        // nothing across the next two legs, leaving the charge off the P&L entirely. A liability
+        // account cannot hold a negative balance: the bank does not owe less than nothing.
+        //
+        // So the shortfall is raised here rather than assumed away. Where the accrual DID run, the
+        // payable already carries the interest and this leg writes nothing - the balance below is
+        // enough, and raising it again would double the liability.
+        //
+        // Only a liability payable is topped up. A bank that maps an expense GL as the payable books
+        // the cost there directly: payableBalance reads credit minus debit, so an expense's normal
+        // 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());
+        final BigDecimal alreadyAccrued = payableBalance(office, payableAccount, currencyCode);
+        final BigDecimal shortfall = amount.subtract(alreadyAccrued).max(BigDecimal.ZERO);
+        log.info("createInterestPostingJournalEntriesForSavings: alreadyAccrued={}, shortfall={}, payableIsLiability={}, isReversal={}",
+                alreadyAccrued, shortfall, payableIsLiability, isReversal);
+        if (!isReversal && payableIsLiability && shortfall.compareTo(BigDecimal.ZERO) > 0) {
+            log.info("createInterestPostingJournalEntriesForSavings: posting Stage 1 [Dr {} / Cr {} = {}]",
+                    interestOnSavingsAccount.getName(), payableAccount.getName(), shortfall);
+            // Stage 1: Dr Interest On Savings (the expense) / Cr Payable - the accrual that should have run.
+            postSavingsLeg(office, currencyCode, interestOnSavingsAccount, payableAccount, savingsId, transactionId, transactionDate,
+                    shortfall, false);
+        }
+
+        final boolean hasSeparatePaidAccount = !payableAccount.getId().equals(paidAccount.getId());
+        if (hasSeparatePaidAccount) {
+            log.info("createInterestPostingJournalEntriesForSavings: posting Stage 2 [Dr {} / Cr {} = {}] and Stage 3 [Dr {} / Cr {} = {}]",
+                    payableAccount.getName(), paidAccount.getName(), amount, paidAccount.getName(), controlAccount.getName(), amount);
+            // Stage 2: Out of the payable, into the interest-paid transit/clearing account
+            postSavingsLeg(office, currencyCode, payableAccount, paidAccount, savingsId, transactionId, transactionDate, amount,
+                    isReversal);
+
+            // Stage 3: Out of the interest-paid account, into the member's control account
+            postSavingsLeg(office, currencyCode, paidAccount, controlAccount, savingsId, transactionId, transactionDate, amount,
+                    isReversal);
+        } else {
+            log.info("createInterestPostingJournalEntriesForSavings: no separate paidAccount, posting direct payout [Dr {} / Cr {} = {}]",
+                    payableAccount.getName(), controlAccount.getName(), amount);
+            // Payout directly from payable into member's control account
+            postSavingsLeg(office, currencyCode, payableAccount, controlAccount, savingsId, transactionId, transactionDate, amount,
+                    isReversal);
+        }
     }
 
     /**
@@ -733,34 +777,69 @@ public class AccountingProcessorHelper {
      *
      * @return the account, or null where the product does not configure this name
      */
-    private GLAccount namedSavingsGlAccount(final Long savingsProductId, final String accountName) {
-        if (savingsProductId == null) {
+    /**
+     * What the interest payable account currently holds for this office, on its own liability side.
+     *
+     * <p>
+     * Read so an interest posting can tell an accrual that already ran from one that did not. The
+     * posting chain draws the payable down; where nothing had raised it, the account went negative
+     * and the expense netted to nothing, so the charge never reached the P&amp;L at all. The caller
+     * raises only the shortfall, which is nil when the accrual did run.
+     *
+     * <p>
+     * Credits less debits, because a payable is a liability: the balance is what the bank still
+     * owes. Floored at zero by the caller rather than here - a negative balance is a real state to
+     * report, and the caller's arithmetic needs the true figure, not a clamped one.
+     */
+    private BigDecimal payableBalance(final Office office, final GLAccount payableAccount, final String currencyCode) {
+        if (payableAccount == null || payableAccount.getId() == null) {
+            return BigDecimal.ZERO;
+        }
+        // Reversed entries and the entries they reverse are both excluded: a reversal pair nets to
+        // nothing, and counting either side alone would move the balance by the whole amount.
+        final BigDecimal balance = jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(CASE WHEN type_enum = 1 THEN amount ELSE -amount END), 0)
+                  FROM acc_gl_journal_entry
+                 WHERE account_id = ?
+                   AND office_id = ?
+                   AND currency_code = ?
+                   AND (reversed IS NULL OR reversed = false)
+                   AND id NOT IN (SELECT reversal_id FROM acc_gl_journal_entry WHERE reversal_id IS NOT NULL)
+                """, BigDecimal.class, payableAccount.getId(), office.getId(), currencyCode);
+        return balance == null ? BigDecimal.ZERO : balance;
+    }
+
+    private GLAccount namedSavingsGlAccount(final Long savingsProductId, final String... accountNames) {
+        if (savingsProductId == null || accountNames == null || accountNames.length == 0) {
             return null;
         }
-        // The column holds an empty string on a product saved with no named mappings, and casting
-        // that to jsonb is an error rather than an empty document - so the cast is done inside a
-        // subquery that has already filtered those rows out. Postgres is free to evaluate a WHERE
-        // clause in any order, so guarding at the same query level as the cast would only work by
-        // luck.
-        final List<Long> found = jdbcTemplate.queryForList("""
-                SELECT gl.id
-                  FROM (SELECT other_gl_mappings::jsonb AS doc
-                          FROM m_savings_product
-                         WHERE id = ?
-                           AND other_gl_mappings IS NOT NULL
-                           AND other_gl_mappings <> ''
-                           AND other_gl_mappings LIKE '{%') sp
-                  CROSS JOIN LATERAL jsonb_array_elements(
-                         COALESCE(sp.doc -> 'assets',      '[]'::jsonb)
-                      || COALESCE(sp.doc -> 'liabilities', '[]'::jsonb)
-                      || COALESCE(sp.doc -> 'expenses',    '[]'::jsonb)
-                      || COALESCE(sp.doc -> 'income',      '[]'::jsonb)
-                  ) AS m(entry)
-                  JOIN acc_gl_account gl ON gl.gl_code = m.entry ->> 'glCode'
-                 WHERE m.entry ->> 'accountName' = ?
-                 LIMIT 1
-                """, Long.class, savingsProductId, accountName);
-        return found.isEmpty() ? null : glAccountRepository.findById(found.get(0)).orElse(null);
+        for (final String accountName : accountNames) {
+            if (accountName == null) {
+                continue;
+            }
+            final List<Long> found = jdbcTemplate.queryForList("""
+                    SELECT gl.id
+                      FROM (SELECT other_gl_mappings::jsonb AS doc
+                              FROM m_savings_product
+                             WHERE id = ?
+                               AND other_gl_mappings IS NOT NULL
+                               AND other_gl_mappings <> ''
+                               AND other_gl_mappings LIKE '{%') sp
+                      CROSS JOIN LATERAL jsonb_array_elements(
+                             COALESCE(sp.doc -> 'assets',      '[]'::jsonb)
+                          || COALESCE(sp.doc -> 'liabilities', '[]'::jsonb)
+                          || COALESCE(sp.doc -> 'expenses',    '[]'::jsonb)
+                          || COALESCE(sp.doc -> 'income',      '[]'::jsonb)
+                      ) AS m(entry)
+                      JOIN acc_gl_account gl ON gl.gl_code = m.entry ->> 'glCode'
+                     WHERE lower(trim(m.entry ->> 'accountName')) = lower(trim(?))
+                     LIMIT 1
+                    """, Long.class, savingsProductId, accountName);
+            if (!found.isEmpty()) {
+                return glAccountRepository.findById(found.get(0)).orElse(null);
+            }
+        }
+        return null;
     }
 
     /**

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

@@ -173,12 +173,28 @@ public class AccrualBasedAccountingProcessorForSavings implements AccountingProc
             }
 
             else if (savingsTransactionDTO.getTransactionType().isInterestPosting()) {
-                // Post journal entry if earned interest amount is greater than
-                // zero
-                if (savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO) > 0) {
-                    this.helper.createCashBasedJournalEntriesAndReversalsForSavings(office, currencyCode,
-                            AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), AccrualAccountsForSavings.SAVINGS_CONTROL.getValue(),
-                            savingsProductId, paymentTypeId, savingsId, transactionId, transactionDate, amount, isReversal);
+                // A premature FD closure that reprices interest downward (see
+                // FixedDepositAccount#postPreMaturityInterest) posts the difference as a NEGATIVE
+                // interest-posting transaction -- a clawback of interest already recognised in earlier
+                // periods, not "zero interest, nothing to post". Skipping it here (the original
+                // "amount > 0" guard) left the FD subledger showing the clawback while the GL never
+                // recorded it, silently going out of sync. Treating a negative amount as a mirror-image
+                // reversal -- positive magnitude, debit/credit legs swapped, same mechanism
+                // createInterestPostingJournalEntriesForSavings already uses for isReversal -- keeps the two
+                // in sync instead. See CashBasedAccountingProcessorForSavings for the same fix on the
+                // cash-based path.
+                final int amountSign = savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO);
+                if (amountSign != 0) {
+                    final boolean isClawback = amountSign < 0;
+                    final BigDecimal postingAmount = isClawback ? amount.abs() : amount;
+                    final boolean effectiveIsReversal = isReversal ^ isClawback;
+                    // Routed through the same helper the cash processor uses, so a posting states
+                    // the whole chain the product is configured for -- out of the payable, through
+                    // the interest-paid account, into the member's balance -- rather than the single
+                    // 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);
                 }
             }
 

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

@@ -167,15 +167,26 @@ public class CashBasedAccountingProcessorForSavings implements AccountingProcess
             }
 
             else if (savingsTransactionDTO.getTransactionType().isInterestPosting()) {
-                // Post journal entry if earned interest amount is greater than
-                // zero
-                if (savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO) > 0) {
+                // A premature FD closure that reprices interest downward (see
+                // FixedDepositAccount#postPreMaturityInterest) posts the difference as a NEGATIVE
+                // interest-posting transaction -- a clawback of interest already recognised in earlier
+                // periods, not "zero interest, nothing to post". Skipping it here (the original
+                // "amount > 0" guard) left the FD subledger showing the clawback while the GL never
+                // recorded it, silently going out of sync. Treating a negative amount as a mirror-image
+                // reversal -- positive magnitude, debit/credit legs swapped, same mechanism
+                // createInterestPostingJournalEntriesForSavings already uses for isReversal -- keeps the two
+                // in sync instead.
+                final int amountSign = savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO);
+                if (amountSign != 0) {
+                    final boolean isClawback = amountSign < 0;
+                    final BigDecimal postingAmount = isClawback ? amount.abs() : amount;
+                    final boolean effectiveIsReversal = isReversal ^ isClawback;
                     // Routed through the payable and paid accounts the product names, so the society
                     // can read interest declared but not yet credited as its own balance. Collapses
                     // 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, amount, isReversal);
+                            savingsId, transactionId, transactionDate, postingAmount, effectiveIsReversal);
                 }
             }
 

fineract-provider/src/main/java/org/apache/fineract/organisation/teller/service/TellerManagementReadPlatformServiceImpl.java

@@ -130,7 +130,12 @@ public class TellerManagementReadPlatformServiceImpl implements TellerManagement
 
     @Override
     public Collection<TellerData> getTellers(Long officeId) {
-        return retrieveAllTellers(false);
+        if (officeId == null) {
+            return retrieveAllTellers(false);
+        }
+        // The tellers of that one branch. The officeId used to be ignored, so the head office, whose
+        // hierarchy covers every branch, counted each branch's vault and cashiers as its own at day close.
+        return retrieveAllTellers(false).stream().filter(t -> officeId.equals(t.getOfficeId())).toList();
     }
 
     @Override

fineract-provider/src/main/java/org/apache/fineract/organisation/teller/service/TellerWritePlatformServiceJpaImpl.java

@@ -70,10 +70,6 @@ public class TellerWritePlatformServiceJpaImpl implements TellerWritePlatformSer
         try {
             this.context.authenticatedUser();
 
-            if (this.tellerRepositoryWrapper.existsAny()) {
-                throw new TellerAlreadyExistsException();
-            }
-
             final Long officeId = command.longValueOfParameterNamed("officeId");
 
             this.fromApiJsonDeserializer.validateForCreateAndUpdateTeller(command.json());
@@ -81,6 +77,12 @@ public class TellerWritePlatformServiceJpaImpl implements TellerWritePlatformSer
             // final Office parent =
             // validateUserPriviledgeOnOfficeAndRetrieve(currentUser, officeId);
             final Office tellerOffice = this.officeRepositoryWrapper.findOneWithNotFoundDetection(officeId);
+
+            // One teller (vault) per branch, not one for the whole bank: each branch holds and settles
+            // its own cash, so a second branch needs a vault of its own.
+            if (this.tellerRepositoryWrapper.existsInOffice(officeId)) {
+                throw new TellerAlreadyExistsException(tellerOffice.getName());
+            }
             final Teller teller = Teller.fromJson(tellerOffice, command);
 
             // pre save to generate id for use in office hierarchy

fineract-provider/src/main/java/org/apache/fineract/portfolio/account/service/AccountTransfersWritePlatformServiceImpl.java

@@ -79,6 +79,7 @@ import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccountTransaction;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountWritePlatformService;
+import org.apache.fineract.portfolio.tds.service.SavingsInterestTdsService;
 import org.springframework.transaction.annotation.Transactional;
 
 @RequiredArgsConstructor
@@ -102,6 +103,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
     private final CurrentAccountTransactionRepository currentAccountTransactionRepository;
     private final AccountingProcessorHelper accountingProcessorHelper;
     private final KycRestrictionGuard kycRestrictionGuard;
+    private final SavingsInterestTdsService savingsInterestTdsService;
 
     @Transactional
     @Override
@@ -412,6 +414,9 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
                     toSavingsAccount, withdrawal, deposit);
             this.accountTransferDetailRepository.saveAndFlush(accountTransferDetails);
             transferTransactionId = accountTransferDetails.getId();
+            // FD/RD interest reaching a savings account is where TDS is tracked and, once due, deducted.
+            this.savingsInterestTdsService.onTransfer(fromSavingsAccount, toSavingsAccount, deposit,
+                    AccountTransferType.fromInt(accountTransferDTO.getTransferType()));
 
         } else if (isLoanToSavingsAccountTransfer(accountTransferDTO.getFromAccountType(), accountTransferDTO.getToAccountType())) {
 
@@ -703,8 +708,8 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
         currentAccountRepository.save(account);
         if (account.getProductId() != null && txn.getId() != null) {
             final String currentTxnId = "CA" + txn.getId();
-            accountingProcessorHelper.createCurrentControlToFinancialActivityJournalEntries(account.getOffice(),
-                    account.getCurrencyCode(), account.getProductId(), FinancialActivity.LIABILITY_TRANSFER.getValue(),
+            accountingProcessorHelper.createCurrentControlToFinancialActivityJournalEntries(account.getOffice(),
+                    account.getCurrencyCode(), account.getProductId(), FinancialActivity.LIABILITY_TRANSFER.getValue(),
                     account.getId(), currentTxnId, txnDate, amount);
         }
         return txn;
@@ -715,7 +720,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      * Throws {@link GeneralPlatformDomainRuleException} if balance is insufficient.
      */
     private CurrentAccountTransaction performCurrentWithdrawal(final CurrentAccount account, final BigDecimal amount,
-            final LocalDate txnDate, final Long counterpartProductId, final boolean counterpartIsCurrent,
+            final LocalDate txnDate, final Long counterpartProductId, final boolean counterpartIsCurrent,
             final Long counterpartEntityId) {
         kycRestrictionGuard.checkCurrentAccount(account.getId(), KycRestrictionGuard.Operation.TRANSFER);
         final BigDecimal balance = account.getAccountBalanceDerived() != null ? account.getAccountBalanceDerived() : BigDecimal.ZERO;
@@ -735,7 +740,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
                 (account.getTotalWithdrawalsDerived() != null ? account.getTotalWithdrawalsDerived() : BigDecimal.ZERO).add(amount));
         currentAccountRepository.save(account);
         // Post journal entries: DR current account GL, CR counterpart GL — each with correct entity/account number
-        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, true, counterpartProductId, counterpartIsCurrent,
+        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, true, counterpartProductId, counterpartIsCurrent,
                 counterpartEntityId);
         return txn;
     }
@@ -744,7 +749,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      * Deposit amount into a current account and save the transaction.
      */
     private CurrentAccountTransaction performCurrentDeposit(final CurrentAccount account, final BigDecimal amount,
-            final LocalDate txnDate, final Long counterpartProductId, final boolean counterpartIsCurrent,
+            final LocalDate txnDate, final Long counterpartProductId, final boolean counterpartIsCurrent,
             final Long counterpartEntityId) {
         kycRestrictionGuard.checkCurrentAccount(account.getId(), KycRestrictionGuard.Operation.CREDIT);
         final BigDecimal balance = account.getAccountBalanceDerived() != null ? account.getAccountBalanceDerived() : BigDecimal.ZERO;
@@ -757,7 +762,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
                 (account.getTotalDepositsDerived() != null ? account.getTotalDepositsDerived() : BigDecimal.ZERO).add(amount));
         currentAccountRepository.save(account);
         // Post journal entries: DR counterpart GL, CR current account GL — each with correct entity/account number
-        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, false, counterpartProductId, counterpartIsCurrent,
+        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, false, counterpartProductId, counterpartIsCurrent,
                 counterpartEntityId);
         return txn;
     }
@@ -803,13 +808,13 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
         final String currentTxnId = "CA" + txn.getId();
         if (isWithdrawal) {
             // DR: current account GL  CR: counterpart (savings/current) GL
-            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
-                    account.getProductId(), true, account.getId(), counterpartProductId, counterpartIsCurrent, counterpartEntityId,
+            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
+                    account.getProductId(), true, account.getId(), counterpartProductId, counterpartIsCurrent, counterpartEntityId,
                     currentTxnId, txnDate, amount);
         } else {
             // DR: counterpart (savings/current) GL  CR: current account GL
-            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
-                    counterpartProductId, counterpartIsCurrent, counterpartEntityId, account.getProductId(), true, account.getId(),
+            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
+                    counterpartProductId, counterpartIsCurrent, counterpartEntityId, account.getProductId(), true, account.getId(),
                     currentTxnId, txnDate, amount);
         }
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/account/starter/AccountConfiguration.java

@@ -61,6 +61,7 @@ import org.apache.fineract.portfolio.savings.domain.GSIMRepositoy;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountWritePlatformService;
+import org.apache.fineract.portfolio.tds.service.SavingsInterestTdsService;
 import org.springframework.boot.autoconfigure.condition.ConditionalOnMissingBean;
 import org.springframework.context.annotation.Bean;
 import org.springframework.context.annotation.Configuration;
@@ -97,12 +98,14 @@ public class AccountConfiguration {
             GSIMRepositoy gsimRepository, ConfigurationDomainService configurationDomainService, ExternalIdFactory externalIdFactory,
             FineractProperties fineractProperties, CurrentAccountRepository currentAccountRepository,
             CurrentAccountTransactionRepository currentAccountTransactionRepository,
-            AccountingProcessorHelper accountingProcessorHelper, KycRestrictionGuard kycRestrictionGuard) {
+            AccountingProcessorHelper accountingProcessorHelper, KycRestrictionGuard kycRestrictionGuard,
+            SavingsInterestTdsService savingsInterestTdsService) {
         return new AccountTransfersWritePlatformServiceImpl(accountTransfersDataValidator, accountTransferAssembler,
                 accountTransferRepository, savingsAccountAssembler, savingsAccountDomainService, loanAccountAssembler,
                 loanAccountDomainService, savingsAccountWritePlatformService, accountTransferDetailRepository, loanReadPlatformService,
                 gsimRepository, configurationDomainService, externalIdFactory, fineractProperties,
-                currentAccountRepository, currentAccountTransactionRepository, accountingProcessorHelper, kycRestrictionGuard);
+                currentAccountRepository, currentAccountTransactionRepository, accountingProcessorHelper, kycRestrictionGuard,
+                savingsInterestTdsService);
     }
 
     @Bean

fineract-provider/src/main/java/org/apache/fineract/portfolio/branchday/api/BranchDayRegisterApiResource.java

@@ -46,6 +46,8 @@ import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.portfolio.cashreport.service.VaultPositionService;
 import org.apache.fineract.portfolio.denominationmaster.service.CountedCashLedger;
+import org.apache.fineract.portfolio.savings.dailyinterest.SavingsDailyInterestOrchestrator;
+import org.apache.fineract.portfolio.savings.dailyinterest.SavingsInterestPostingReportService;
 import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Component;
@@ -69,10 +71,26 @@ import org.springframework.transaction.annotation.Transactional;
 @Produces({ MediaType.APPLICATION_JSON })
 public class BranchDayRegisterApiResource {
 
+    /**
+     * The branch whose counter took a breakdown {@code std}: the teller office of its officer's cashier
+     * allocation if that allocation already existed when the cash was counted, otherwise the officer's
+     * own office. A person moved to another branch's teller keeps what they took at the old branch
+     * there.
+     */
+    private static final String COUNTER_OFFICE_OF_STD = """
+            COALESCE((SELECT t.office_id FROM m_appuser au JOIN m_cashiers mc ON mc.staff_id = au.staff_id
+                        JOIN m_tellers t ON t.id = mc.teller_id
+                       WHERE au.id = std.officer_id""" + CountedCashLedger.SINCE_ALLOCATION + """
+                       LIMIT 1),
+                     (SELECT au.office_id FROM m_appuser au WHERE au.id = std.officer_id))
+            """;
+
     private final JdbcTemplate jdbcTemplate;
     private final PlatformSecurityContext context;
     private final FromJsonHelper fromJsonHelper;
     private final VaultPositionService vaultPositionService;
+    private final SavingsInterestPostingReportService interestPostingReportService;
+    private final SavingsDailyInterestOrchestrator savingsDailyInterestOrchestrator;
     private final Gson gson = new Gson();
 
     // ── GET /v1/branchday ── the register itself ──────────────────────────────
@@ -104,11 +122,26 @@ public class BranchDayRegisterApiResource {
         result.put("officeId", officeId);
         result.put("canOperate", canOperateDay(currentUser));
         result.put("days", mapDays(rows));
-        result.put("today", LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString());
+        result.put("today", DateUtils.getBusinessLocalDate().toString());
         result.put("openDay", findOpenDay(officeId));
         return gson.toJson(result);
     }
 
+    // ── GET /v1/branchday/today ── the bank's "today" ─────────────────────────
+
+    /**
+     * The business date while enable-business-date is on, the tenant's own date while it is off.
+     * Every screen that defaults a date to "today" reads this, rather than the browser clock or the
+     * business-date API (which returns the stored date even when the feature is off). Open to any
+     * signed-in user — cashiers and clerks cannot read the configuration that says which applies.
+     */
+    @GET
+    @Path("today")
+    public String today() {
+        this.context.authenticatedUser();
+        return gson.toJson(Map.of("today", DateUtils.getBusinessLocalDate().toString()));
+    }
+
     // ── GET /v1/branchday/missed ── days left open ────────────────────────────
 
     /**
@@ -121,7 +154,7 @@ public class BranchDayRegisterApiResource {
     public String missed(@QueryParam("officeId") final Long officeIdParam) {
         final AppUser currentUser = this.context.authenticatedUser();
         final Long officeId = resolveOffice(officeIdParam, currentUser);
-        final LocalDate today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+        final LocalDate today = DateUtils.getBusinessLocalDate();
 
         final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
                 SELECT r.id, r.office_id, o.name AS office_name, r.business_date,
@@ -191,8 +224,8 @@ public class BranchDayRegisterApiResource {
         // Scoped to this office through the officer who took the cash (appuser -> staff -> cashier ->
         // teller -> office). Unscoped, a branch's own "does the physical count agree with the books"
         // cross-check was being compared against every branch's counted cash at once, which makes it
-        // wrong at every office but the first. A row whose officer maps to no cashier is still
-        // counted, for the same reason as the withdrawal legs in bookBreakdown.
+        // wrong at every office but the first. A row whose officer has no cashier allocation counts
+        // at the officer's own office (see COUNTER_OFFICE_OF_STD), not at every office.
         //
         // Which rows are real counted cash is CountedCashLedger's rule, not this screen's -- see the
         // note there on why a manual GL entry's decoded reference is kept and a stamped millisecond
@@ -201,23 +234,15 @@ public class BranchDayRegisterApiResource {
                 SELECT COALESCE(SUM(std.total_amount), 0) FROM m_savings_txn_denomination std
                  WHERE std.txn_date = ? AND std.txn_type = 'DEPOSIT'
                    AND """ + CountedCashLedger.COUNTED_ROW + """
-                   AND (std.officer_id IS NULL
-                        OR NOT EXISTS (SELECT 1 FROM m_appuser au JOIN m_cashiers c ON c.staff_id = au.staff_id
-                                        WHERE au.id = std.officer_id)
-                        OR EXISTS (SELECT 1 FROM m_appuser au JOIN m_cashiers c ON c.staff_id = au.staff_id
-                                     JOIN m_tellers t ON t.id = c.teller_id
-                                    WHERE au.id = std.officer_id AND t.office_id = ?))
+                   AND (std.officer_id IS NULL OR (""" + COUNTER_OFFICE_OF_STD + """
+                    ) = ?)
                 """, BigDecimal.class, Date.valueOf(businessDate), officeId));
         final BigDecimal countedOut = zero(jdbcTemplate.queryForObject("""
                 SELECT COALESCE(SUM(std.total_amount), 0) FROM m_savings_txn_denomination std
                  WHERE std.txn_date = ? AND std.txn_type = 'WITHDRAWAL'
                    AND """ + CountedCashLedger.COUNTED_ROW + """
-                   AND (std.officer_id IS NULL
-                        OR NOT EXISTS (SELECT 1 FROM m_appuser au JOIN m_cashiers c ON c.staff_id = au.staff_id
-                                        WHERE au.id = std.officer_id)
-                        OR EXISTS (SELECT 1 FROM m_appuser au JOIN m_cashiers c ON c.staff_id = au.staff_id
-                                     JOIN m_tellers t ON t.id = c.teller_id
-                                    WHERE au.id = std.officer_id AND t.office_id = ?))
+                   AND (std.officer_id IS NULL OR (""" + COUNTER_OFFICE_OF_STD + """
+                    ) = ?)
                 """, BigDecimal.class, Date.valueOf(businessDate), officeId));
         result.put("denominationIn", countedIn);
         result.put("denominationOut", countedOut);
@@ -243,7 +268,7 @@ public class BranchDayRegisterApiResource {
         final var root = this.fromJsonHelper.parse(body);
         final Long officeId = resolveOffice(this.fromJsonHelper.extractLongNamed("officeId", root), currentUser);
         final LocalDate businessDate = extractDate(root, "businessDate",
-                LocalDate.now(DateUtils.getDateTimeZoneOfTenant()));
+                DateUtils.getBusinessLocalDate());
         final BigDecimal openingCash = this.fromJsonHelper.extractBigDecimalWithLocaleNamed("openingCash", root);
         final List<Map<String, Object>> denominations = extractDenominations(root, "denominations");
         final String openingDifferenceReason = this.fromJsonHelper.extractStringNamed("openingDifferenceReason", root);
@@ -437,7 +462,7 @@ public class BranchDayRegisterApiResource {
         final var root = this.fromJsonHelper.parse(body);
         final Long officeId = resolveOffice(this.fromJsonHelper.extractLongNamed("officeId", root), currentUser);
         final LocalDate businessDate = extractDate(root, "businessDate",
-                LocalDate.now(DateUtils.getDateTimeZoneOfTenant()));
+                DateUtils.getBusinessLocalDate());
         final List<Map<String, Object>> denominations = extractDenominations(root, "denominations");
         final String openingDifferenceReason = this.fromJsonHelper.extractStringNamed("openingDifferenceReason", root);
 
@@ -589,6 +614,32 @@ public class BranchDayRegisterApiResource {
                     "Business day " + businessDate + " is already closed.");
         }
 
+        // ── This branch's savings interest reports must be approved before it closes ──
+        // Not overridable by a force-close reason: the branch posts its own customers' interest when
+        // it closes, and a report nobody approved has nothing to post, so they would go unpaid.
+        final List<String> interestPending = interestPostingReportService.reportsBlockingDayClose(officeId, businessDate);
+        if (!interestPending.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.branchday.interest.report.pending",
+                    "Cannot close the day — this branch's savings interest posting report is not approved for: "
+                            + String.join(", ", interestPending)
+                            + ". Approve it under Reports → Interest Posting Reports, then close the day.");
+        }
+
+        // ── The head office closes last ──
+        // Every branch that opened the day closes first and posts its own interest; a branch that
+        // never opened is not waited for.
+        final boolean isHeadOffice = interestPostingReportService.isHeadOffice(officeId);
+        if (isHeadOffice) {
+            // Any day still open counts, not only today's: a branch whose earlier day was never closed is
+            // still working and has not posted its interest.
+            final List<String> stillOpen = interestPostingReportService.branchesStillOpen(businessDate, officeId);
+            if (!stillOpen.isEmpty()) {
+                throw new PlatformDataIntegrityException("error.msg.branchday.branches.still.open",
+                        "Cannot close the head office yet — these branches have not closed the day: " + String.join(", ", stillOpen)
+                                + ". The head office closes last.");
+            }
+        }
+
         // ── Ensure every cashier holding cash has been reconciled AND settled ──
         // Find all cashiers under tellers belonging to this office, check if they have a cash position,
         // and if so, verify reconciliation and settlement records exist for the business date.
@@ -687,6 +738,28 @@ public class BranchDayRegisterApiResource {
         final BigDecimal bookCash = (BigDecimal) bookBreakdown(officeId, businessDate).get("expectedCash");
         final BigDecimal difference = closingCash != null ? closingCash.subtract(bookCash) : null;
 
+        // ── The branch posts its own approved savings interest as it closes ──
+        // The head office also posts what it approved for branches that did not open today. Entries
+        // are raised in the customers' own branch either way.
+        //
+        // Posted here, before the close is written, and synchronously, so the outcome is never
+        // silent: each report posts in a transaction of its own and commits, and if any fails the
+        // close is refused with the reason — the day stays open, the report stays APPROVED, and
+        // closing again once the cause is fixed posts it.
+        final List<Long> toPost = new ArrayList<>(interestPostingReportService.approvedReportIds(officeId, businessDate));
+        if (isHeadOffice) {
+            toPost.addAll(interestPostingReportService.approvedReportIdsOfBranchesNotOpened(businessDate, officeId));
+        }
+        if (!toPost.isEmpty()) {
+            log.info("Day close {}: office {} posting {} approved savings interest report(s)", businessDate, officeId, toPost.size());
+            final List<String> interestFailures = savingsDailyInterestOrchestrator.postReports(toPost);
+            if (!interestFailures.isEmpty()) {
+                throw new PlatformDataIntegrityException("error.msg.branchday.interest.posting.failed",
+                        "Cannot close the day — savings interest could not be posted: " + String.join("; ", interestFailures)
+                                + ". The report is still approved; fix the cause and close the day again.");
+            }
+        }
+
         // "closed_at IS NULL" in the WHERE, not just the read above: the already-closed check and
         // this write are two separate statements, so two managers pressing Close at once (or one
         // double-click) both got past the check. The second UPDATE then overwrote the first's
@@ -743,7 +816,7 @@ public class BranchDayRegisterApiResource {
         final Long officeId = resolveOffice(officeIdParam, currentUser);
         final LocalDate businessDate = (businessDateParam != null && !businessDateParam.isBlank())
                 ? LocalDate.parse(businessDateParam)
-                : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+                : DateUtils.getBusinessLocalDate();
 
         final List<Long> registerIds = jdbcTemplate.queryForList(
                 "SELECT id FROM m_branch_day_register WHERE office_id = ? AND business_date = ?",
@@ -1004,6 +1077,9 @@ public class BranchDayRegisterApiResource {
         final Map<String, Object> r = rows.get(0);
         final Map<String, Object> m = new LinkedHashMap<>();
         m.put("id", r.get("id"));
+        // The close screen fetches this office's tellers with it; left out, it fetched every teller
+        // the user can see, and the head office counted each branch's vault as its own.
+        m.put("officeId", r.get("office_id"));
         m.put("businessDate", str(r.get("business_date")));
         m.put("openedByName", r.get("opened_by_name"));
         m.put("openedAt", str(r.get("opened_at")));
@@ -1057,11 +1133,13 @@ public class BranchDayRegisterApiResource {
                 (rs, n) -> rs.getBigDecimal(1), officeId, date).stream().findFirst().orElse(null);
         final BigDecimal opening = ownOpening != null ? ownOpening : lastClosingCash(officeId, businessDate);
 
+        // By the counter that took the cash. A savings deposit carries no office_id, and the old
+        // "OR office_id IS NULL" counted every such deposit in the bank at every branch.
         final BigDecimal savingsDeposits = zero(jdbcTemplate.queryForObject("""
                 SELECT COALESCE(SUM(amount), 0) FROM m_cashier_deposit_request
                  WHERE status = 'APPROVED'
                    AND COALESCE(txn_date, CAST(submitted_at AS DATE)) = ?
-                   AND (office_id = ? OR office_id IS NULL)
+                   AND COALESCE(counter_office_id, office_id) = ?
                 """, BigDecimal.class, date, officeId));
 
         // Cash paid over the counter to buy a demand draft is real cash arriving at the branch too --

fineract-provider/src/main/java/org/apache/fineract/portfolio/cashierdeposit/api/CashierDepositRequestApiResource.java

@@ -166,8 +166,8 @@ public class CashierDepositRequestApiResource {
                  client_id, client_name, amount,
                  payment_type_id, payment_type_name, description, cheque_no, bank_name, txn_date,
                  status, cashier_id, cashier_name, cashier_username, denomination_data, activity_log, submitted_at,
-                 dd_face_value, dd_charges, dd_gst_percentage, dd_gst_amount, entry_type_cv_id)
-                VALUES (?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?)
+                 dd_face_value, dd_charges, dd_gst_percentage, dd_gst_amount, entry_type_cv_id, counter_office_id)
+                VALUES (?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?)
                 RETURNING id
                 """,
             Long.class,
@@ -179,7 +179,7 @@ public class CashierDepositRequestApiResource {
             "PENDING",
             currentUser.getId(), currentUser.getDisplayName(), currentUser.getUsername(),
             denominationData, activityLog, Timestamp.from(Instant.now()),
-            ddFaceValue, ddCharges, ddGstPercentage, ddGstAmount, entryTypeCvId
+            ddFaceValue, ddCharges, ddGstPercentage, ddGstAmount, entryTypeCvId, counterOfficeId(currentUser)
         );
 
         // Globally unique voucher number from the central m_voucher register
@@ -691,6 +691,20 @@ public class CashierDepositRequestApiResource {
                 .orElse(Map.of());
     }
 
+    /**
+     * The branch whose counter took the cash: the office of the teller the user is allocated to as a
+     * cashier, otherwise the user's own office. office_id cannot say this -- a savings deposit carries
+     * none, and a GL deposit's is the GL's branch -- and the day close totals each branch's cash by it.
+     */
+    private Long counterOfficeId(final AppUser user) {
+        final List<Long> tellerOffice = user.getStaff() == null ? List.of()
+                : jdbcTemplate.queryForList("""
+                        SELECT t.office_id FROM m_cashiers c JOIN m_tellers t ON t.id = c.teller_id
+                         WHERE c.staff_id = ? LIMIT 1
+                        """, Long.class, user.getStaff().getId());
+        return tellerOffice.isEmpty() ? user.getOffice().getId() : tellerOffice.get(0);
+    }
+
     private Map<?, ?> loadRecord(final Long id) {
         final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
                 SELECT id, voucher_no, account_no, account_type, savings_account_id,
@@ -713,7 +727,7 @@ public class CashierDepositRequestApiResource {
             final Long savingsAccountId, final BigDecimal amount,
             final Object paymentTypeId, final String txnDateStr, final String note) {
 
-        final String today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
+        final String today = DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         final String date = txnDateStr != null && !txnDateStr.isBlank() ? formatForFineract(txnDateStr) : today;
 
         final JsonObject payload = new JsonObject();
@@ -747,7 +761,7 @@ public class CashierDepositRequestApiResource {
             final Long accountId, final BigDecimal amount,
             final Object paymentTypeId, final String txnDateStr, final String note) {
 
-        final String today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
+        final String today = DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         final String date = txnDateStr != null && !txnDateStr.isBlank() ? formatForFineract(txnDateStr) : today;
 
         final JsonObject payload = new JsonObject();
@@ -776,7 +790,7 @@ public class CashierDepositRequestApiResource {
             final Long accountId, final BigDecimal amount,
             final Object paymentTypeId, final String txnDateStr, final String note) {
 
-        final String today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
+        final String today = DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         final String date = txnDateStr != null && !txnDateStr.isBlank() ? formatForFineract(txnDateStr) : today;
 
         final JsonObject payload = new JsonObject();
@@ -830,7 +844,7 @@ public class CashierDepositRequestApiResource {
             return;
         }
 
-        final String today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
+        final String today = DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         final String date = txnDateStr != null && !txnDateStr.isBlank() ? formatForFineract(txnDateStr) : today;
 
         final JsonObject payload = new JsonObject();
@@ -853,7 +867,7 @@ public class CashierDepositRequestApiResource {
             final Long currentAccountId, final BigDecimal amount,
             final Object paymentTypeId, final String txnDateStr, final String note) {
 
-        final String today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
+        final String today = DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         final String date = txnDateStr != null && !txnDateStr.isBlank() ? formatForFineract(txnDateStr) : today;
 
         final JsonObject payload = new JsonObject();
@@ -962,7 +976,7 @@ public class CashierDepositRequestApiResource {
             final Object paymentTypeId, final String txnDateStr, final String note,
             final boolean isDeposit) {
 
-        final String today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
+        final String today = DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         final String date = txnDateStr != null && !txnDateStr.isBlank() ? formatForFineract(txnDateStr) : today;
 
         // Deposit (CR): cashier receives cash → credit selected GL, debit cash vault (contra)
@@ -1059,8 +1073,9 @@ public class CashierDepositRequestApiResource {
                 value, count, BigDecimal.valueOf((long) value * count),
                 // Dated on the request's own date, which is what the branch day's book figure reads.
                 // CURRENT_DATE is the database clock, so a deposit keyed on one date could land in the
-                // drawer on another and leave both days' cash wrong.
-                txnDate != null && !txnDate.isBlank() ? Date.valueOf(txnDate) : null,
+                // drawer on another and leave both days' cash wrong. No date falls back to the
+                // business date for the same reason.
+                Date.valueOf(txnDate != null && !txnDate.isBlank() ? LocalDate.parse(txnDate) : DateUtils.getBusinessLocalDate()),
                 cashierId, cashierUsername, paymentTypeName
             );
         }
@@ -1165,7 +1180,7 @@ public class CashierDepositRequestApiResource {
             final LocalDate ld = LocalDate.parse(isoDate, DateTimeFormatter.ISO_LOCAL_DATE);
             return ld.format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         } catch (Exception e) {
-            return LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
+            return DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ofPattern("dd MMMM yyyy"));
         }
     }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/cashreconciliation/api/CashReconciliationApiResource.java

@@ -93,7 +93,7 @@ public class CashReconciliationApiResource {
                 + "AND " + CountedCashLedger.COUNTED_ROW
                 + "AND std.officer_id IN ("
                 + "  SELECT au.id FROM m_appuser au "
-                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?) "
+                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ") "
                 + "GROUP BY std.denomination_id, std.denomination_value, dm.kind";
 
         // Out: settlements to vault
@@ -123,7 +123,7 @@ public class CashReconciliationApiResource {
                 + "AND " + CountedCashLedger.COUNTED_ROW
                 + "AND std.officer_id IN ("
                 + "  SELECT au.id FROM m_appuser au "
-                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?) "
+                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ") "
                 + "GROUP BY std.denomination_id, std.denomination_value, dm.kind";
 
         // In: cash exchange — customer gave denomination TO cashier (RECEIVED direction)

fineract-provider/src/main/java/org/apache/fineract/portfolio/cashreport/api/CashReportApiResource.java

@@ -83,7 +83,7 @@ public class CashReportApiResource {
     public String dayBook(@QueryParam("date") final String date, @QueryParam("side") final String side,
             @QueryParam("status") final String status) {
 
-        final String txnDate = (date != null && !date.isBlank()) ? date : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String txnDate = (date != null && !date.isBlank()) ? date : DateUtils.getBusinessLocalDate().toString();
 
         final List<Map<String, Object>> rows = new ArrayList<>();
 
@@ -470,7 +470,7 @@ public class CashReportApiResource {
     @GET
     @Path("closing")
     public String closing(@QueryParam("date") String date) {
-        final String txnDate = (date != null && !date.isBlank()) ? date : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String txnDate = (date != null && !date.isBlank()) ? date : DateUtils.getBusinessLocalDate().toString();
 
         // A closing report for a cashier is that one drawer, so it is scoped the way `excess` and
         // `cashierPosition` already are; a head cashier or admin gets null and still sees the branch.
@@ -671,25 +671,25 @@ public class CashReportApiResource {
             // day itself: taken from the vault, in over the counter, out over the counter, settled
             // back. What is left is what should physically be in the drawer.
             result.put("todayVaultIn", dayLegTotal(
-                    "SELECT COALESCE(SUM(ctd.count * ctd.denomination_value), 0) FROM m_cash_transfer_detail ctd"
+                    "SELECT COALESCE(SUM(CAST(ctd.count AS BIGINT) * ctd.denomination_value), 0) FROM m_cash_transfer_detail ctd"
                             + " JOIN m_cash_transfer ct ON ct.id = ctd.transfer_id"
                             + " WHERE ct.to_cashier_id = ? AND ct.transfer_date = CAST(? AS DATE)"
                             + " AND COALESCE(ct.is_reversed, false) = false",
                     scopedCashierId, txnDate));
             result.put("todaySettledOut", dayLegTotal(
-                    "SELECT COALESCE(SUM(csd.count * csd.denomination_value), 0) FROM m_cash_settlement_detail csd"
+                    "SELECT COALESCE(SUM(CAST(csd.count AS BIGINT) * csd.denomination_value), 0) FROM m_cash_settlement_detail csd"
                             + " JOIN m_cash_settlement cs ON cs.id = csd.settlement_id"
                             + " WHERE cs.from_cashier_id = ? AND cs.settlement_date = CAST(? AS DATE)"
                             + " AND COALESCE(cs.is_reversed, false) = false",
                     scopedCashierId, txnDate));
             result.put("todayInterCashierIn", dayLegTotal(
-                    "SELECT COALESCE(SUM(icd.count * icd.denomination_value), 0) FROM m_cash_inter_cashier_detail icd"
+                    "SELECT COALESCE(SUM(CAST(icd.count AS BIGINT) * icd.denomination_value), 0) FROM m_cash_inter_cashier_detail icd"
                             + " JOIN m_cash_inter_cashier ic ON ic.id = icd.inter_cashier_id"
                             + " WHERE ic.to_cashier_id = ? AND ic.transfer_date = CAST(? AS DATE)"
                             + " AND COALESCE(ic.is_reversed, false) = false",
                     scopedCashierId, txnDate));
             result.put("todayInterCashierOut", dayLegTotal(
-                    "SELECT COALESCE(SUM(icd.count * icd.denomination_value), 0) FROM m_cash_inter_cashier_detail icd"
+                    "SELECT COALESCE(SUM(CAST(icd.count AS BIGINT) * icd.denomination_value), 0) FROM m_cash_inter_cashier_detail icd"
                             + " JOIN m_cash_inter_cashier ic ON ic.id = icd.inter_cashier_id"
                             + " WHERE ic.from_cashier_id = ? AND ic.transfer_date = CAST(? AS DATE)"
                             + " AND COALESCE(ic.is_reversed, false) = false",
@@ -721,7 +721,7 @@ public class CashReportApiResource {
             final Long scopedCashierId) {
         final String cashierFilter = scopedCashierId != null ? "AND std.officer_id IN ("
                 + "  SELECT au.id FROM m_appuser au "
-                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?) " : "";
+                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ") " : "";
         final String vaultCashierFilter = scopedCashierId != null ? "AND ct.to_cashier_id = ? " : "";
         final String settleCashierFilter = scopedCashierId != null ? "AND cs.from_cashier_id = ? " : "";
 
@@ -938,7 +938,7 @@ public class CashReportApiResource {
             return gson.toJson(result);
         }
 
-        final String today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String today = DateUtils.getBusinessLocalDate().toString();
 
         // Find the earliest transfer date before today for which no settlement exists on or after that date
         final String sql = "SELECT MIN(ct.transfer_date) AS earliest_unsettled "
@@ -1001,7 +1001,7 @@ public class CashReportApiResource {
     @Path("cashier-position")
     public String cashierPosition(@QueryParam("cashierId") Long cashierId,
             @QueryParam("asOfDate") String asOfDate) {
-        final String dateFilter = (asOfDate != null && !asOfDate.isBlank()) ? asOfDate : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String dateFilter = (asOfDate != null && !asOfDate.isBlank()) ? asOfDate : DateUtils.getBusinessLocalDate().toString();
 
         // CASHIER role: always scope to their own position only
         final Long scopedId = cashierRoleHelper.getCashierIdForFiltering();
@@ -1032,7 +1032,7 @@ public class CashReportApiResource {
     @GET
     @Path("cashier-position/me")
     public String cashierPositionMe(@QueryParam("asOfDate") String asOfDate) {
-        final String dateFilter = (asOfDate != null && !asOfDate.isBlank()) ? asOfDate : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String dateFilter = (asOfDate != null && !asOfDate.isBlank()) ? asOfDate : DateUtils.getBusinessLocalDate().toString();
         Long appUserId;
         try {
             appUserId = context.authenticatedUser().getId();
@@ -1070,7 +1070,7 @@ public class CashReportApiResource {
     public String vaultPosition(@QueryParam("tellerId") final Long tellerId,
             @QueryParam("asOfDate") final String asOfDate) {
         final String dateFilter = (asOfDate != null && !asOfDate.isBlank()) ? asOfDate
-                : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+                : DateUtils.getBusinessLocalDate().toString();
 
         if (tellerId == null) {
             final List<Long> tellerIds = jdbcTemplate.queryForList("SELECT id FROM m_tellers ORDER BY id", Long.class);
@@ -1092,7 +1092,7 @@ public class CashReportApiResource {
     @Path("cashier-morning")
     public String cashierMorning(@QueryParam("cashierId") Long cashierId,
             @QueryParam("date") String date) {
-        final String txnDate = (date != null && !date.isBlank()) ? date : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String txnDate = (date != null && !date.isBlank()) ? date : DateUtils.getBusinessLocalDate().toString();
         if (cashierId == null) {
             Map<String, Object> empty = new LinkedHashMap<>();
             empty.put("cashierId", null);
@@ -1171,7 +1171,7 @@ public class CashReportApiResource {
                 + "WHERE std.txn_type = 'DEPOSIT' AND std.txn_date <= CAST(? AS DATE) "
                 + "AND std.officer_id IN ("
                 + "  SELECT au.id FROM m_appuser au "
-                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?) " + COUNTER_NOT_REVERSED
+                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ") " + COUNTER_NOT_REVERSED
                 + "GROUP BY std.denomination_id, std.denomination_value, dm.kind";
 
         // Settlements back to vault
@@ -1197,7 +1197,7 @@ public class CashReportApiResource {
                 + "WHERE std.txn_type = 'WITHDRAWAL' AND std.txn_date <= CAST(? AS DATE) "
                 + "AND std.officer_id IN ("
                 + "  SELECT au.id FROM m_appuser au "
-                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?) " + COUNTER_NOT_REVERSED
+                + "  JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ") " + COUNTER_NOT_REVERSED
                 + "GROUP BY std.denomination_id, std.denomination_value, dm.kind";
 
         // Exchange IN: customer gave denomination to cashier (RECEIVED direction)
@@ -1304,7 +1304,7 @@ public class CashReportApiResource {
             @QueryParam("offset") Integer offset,
             @QueryParam("limit") Integer limit) {
 
-        final String txnDate = (date != null && !date.isBlank()) ? date : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String txnDate = (date != null && !date.isBlank()) ? date : DateUtils.getBusinessLocalDate().toString();
         final int resolvedLimit = (limit != null && limit > 0) ? limit : 20;
         final int resolvedOffset = (offset != null && offset >= 0) ? offset : 0;
 
@@ -1315,13 +1315,13 @@ public class CashReportApiResource {
         if (cashierId != null) {
             officerFilter = "AND std.officer_id IN ("
                     + "SELECT au.id FROM m_appuser au "
-                    + "JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?)";
+                    + "JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ")";
             baseParams = new Object[] { txnDate, cashierId };
         } else if (tellerId != null) {
             officerFilter = "AND std.officer_id IN ("
                     + "SELECT au.id FROM m_appuser au "
                     + "JOIN m_cashiers mc ON mc.staff_id = au.staff_id "
-                    + "JOIN m_tellers mt ON mt.id = mc.teller_id WHERE mt.id = ?)";
+                    + "JOIN m_tellers mt ON mt.id = mc.teller_id WHERE mt.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ")";
             baseParams = new Object[] { txnDate, tellerId };
         } else {
             officerFilter = "AND std.officer_id IN ("

fineract-provider/src/main/java/org/apache/fineract/portfolio/cashsettlement/api/CashSettlementApiResource.java

@@ -89,7 +89,7 @@ public class CashSettlementApiResource {
         }
 
         final LocalDate settlementDate = json.has("settlementDate") && !json.get("settlementDate").isJsonNull()
-                ? LocalDate.parse(json.get("settlementDate").getAsString()) : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+                ? LocalDate.parse(json.get("settlementDate").getAsString()) : DateUtils.getBusinessLocalDate();
         final String fromParty = json.has("fromParty") && !json.get("fromParty").isJsonNull()
                 ? json.get("fromParty").getAsString() : null;
         final String toParty = json.has("toParty") && !json.get("toParty").isJsonNull()
@@ -226,7 +226,7 @@ public class CashSettlementApiResource {
         }
                 glDispatchService.allocateCashToCashier(glTellerId,
                         settlement.getFromCashierId(), settlement.getSettlementAmount(), "INR",
-                        LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ISO_LOCAL_DATE),
+                        DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ISO_LOCAL_DATE),
                         "Reversal of cash settlement #" + id + (reason != null ? ": " + reason : ""));
             } catch (Exception ignored) {
             // intentionally ignored
@@ -247,7 +247,7 @@ public class CashSettlementApiResource {
             throw new PlatformDataIntegrityException("error.msg.cashsettlement.cashier.required",
                     "cashierId query param is required.");
         }
-        final String settlementDate = (date != null && !date.isBlank()) ? date : LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).toString();
+        final String settlementDate = (date != null && !date.isBlank()) ? date : DateUtils.getBusinessLocalDate().toString();
         Integer count = jdbcTemplate.queryForObject(
                 "SELECT COUNT(*) FROM m_cash_settlement WHERE from_cashier_id = ? AND settlement_date = CAST(? AS DATE) AND (is_reversed IS NULL OR is_reversed = false)",
                 Integer.class, cashierId, settlementDate);

fineract-provider/src/main/java/org/apache/fineract/portfolio/cashtransfer/api/CashTransferApiResource.java

@@ -146,7 +146,7 @@ public class CashTransferApiResource {
             } catch (Exception ignored) {
             // intentionally ignored
         }
-            final LocalDate txnDate = transferDate != null ? transferDate : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+            final LocalDate txnDate = transferDate != null ? transferDate : DateUtils.getBusinessLocalDate();
             glDispatchService.allocateCashToCashier(glTellerId, toCashierId, total,
                     currencyCode, txnDate.format(DateTimeFormatter.ISO_LOCAL_DATE),
                     note != null ? note : "");
@@ -206,7 +206,7 @@ public class CashTransferApiResource {
         }
                 glDispatchService.settleCashFromCashier(glTellerId,
                         transfer.getToCashierId(), transfer.getTransferAmount(), "INR",
-                        java.time.LocalDate.now(DateUtils.getDateTimeZoneOfTenant()).format(DateTimeFormatter.ISO_LOCAL_DATE),
+                        DateUtils.getBusinessLocalDate().format(DateTimeFormatter.ISO_LOCAL_DATE),
                         "Reversal of cash transfer #" + id + (reason != null ? ": " + reason : ""));
             } catch (Exception ignored) {
             // intentionally ignored
@@ -291,7 +291,7 @@ public class CashTransferApiResource {
                     "Vault/teller " + fromTellerId + " was not found.");
         }
 
-        final LocalDate businessDate = transferDate != null ? transferDate : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+        final LocalDate businessDate = transferDate != null ? transferDate : DateUtils.getBusinessLocalDate();
         final java.sql.Date sqlBusinessDate = java.sql.Date.valueOf(businessDate);
 
         final List<Long> registerIds = jdbcTemplate.query("""

fineract-provider/src/main/java/org/apache/fineract/portfolio/cashtransfer/api/CashierGlDenominationApiResource.java

@@ -91,7 +91,7 @@ public class CashierGlDenominationApiResource {
         final String txnDateStr = fromJsonHelper.extractStringNamed("txnDate", root);
         final LocalDate txnDate = (txnDateStr != null && !txnDateStr.isBlank())
                 ? LocalDate.parse(txnDateStr)
-                : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+                : DateUtils.getBusinessLocalDate();
 
         if (!fromJsonHelper.parameterExists("denominationBreakdown", root)) {
             return "{\"result\":\"skipped\"}";

fineract-provider/src/main/java/org/apache/fineract/portfolio/cashtransfer/api/ShareAdvanceCollectionApiResource.java

@@ -889,7 +889,7 @@ public class ShareAdvanceCollectionApiResource {
             final Long resolvedClientId = toLong(dep.get("client_id"));
             final LocalDate collectionDate = dep.get("txn_date") instanceof java.sql.Date
                     ? ((java.sql.Date) dep.get("txn_date")).toLocalDate()
-                    : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+                    : DateUtils.getBusinessLocalDate();
             final String receiptNo = nextReceiptNo();
             // What the cashier actually typed at save time, when they typed anything -- that is what
             // the Apply Share screen's Description column exists to show. Falls back to a plain
@@ -927,7 +927,7 @@ public class ShareAdvanceCollectionApiResource {
             final Object submittedAt = req.get("submitted_at");
             final LocalDate collectionDate = (actionedAt != null ? actionedAt : submittedAt) instanceof java.sql.Timestamp
                     ? ((java.sql.Timestamp) (actionedAt != null ? actionedAt : submittedAt)).toLocalDateTime().toLocalDate()
-                    : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+                    : DateUtils.getBusinessLocalDate();
             final String voucherNo = (String) req.get("voucher_no");
             final String receiptNo = nextReceiptNo();
             final String reqDescription = (String) req.get("description");
@@ -1006,7 +1006,7 @@ public class ShareAdvanceCollectionApiResource {
         final Long officeId = dep.get("office_id") != null ? toLong(dep.get("office_id")) : loadClientOfficeId(clientId);
         final String currency = dep.get("currency_code") != null ? (String) dep.get("currency_code") : "INR";
         final LocalDate collectionDate = dep.get("txn_date") instanceof java.sql.Date ? ((java.sql.Date) dep.get("txn_date")).toLocalDate()
-                : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+                : DateUtils.getBusinessLocalDate();
 
         // What the cashier actually typed at save time, when they typed anything -- same preference
         // as autoAdoptShareCollectionTagged, so a receipt reads identically whether it got here by
@@ -1093,7 +1093,7 @@ public class ShareAdvanceCollectionApiResource {
         final Object submittedAt = req.get("submitted_at");
         final LocalDate collectionDate = (actionedAt != null ? actionedAt : submittedAt) instanceof java.sql.Timestamp
                 ? ((java.sql.Timestamp) (actionedAt != null ? actionedAt : submittedAt)).toLocalDateTime().toLocalDate()
-                : LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+                : DateUtils.getBusinessLocalDate();
 
         final String receiptNo = nextReceiptNo();
         final String reqDescription = (String) req.get("description");
@@ -1338,7 +1338,7 @@ public class ShareAdvanceCollectionApiResource {
 
     private LocalDate parseDate(final String raw) {
         if (raw == null || raw.isBlank()) {
-            return LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+            return DateUtils.getBusinessLocalDate();
         }
         try {
             return LocalDate.parse(raw);

fineract-provider/src/main/java/org/apache/fineract/portfolio/clerkwithdrawal/api/ClerkShareWithdrawalRequestApiResource.java

@@ -451,8 +451,18 @@ public class ClerkShareWithdrawalRequestApiResource {
         // not-applicable rather than failed for a GL request — a share account with no linked
         // savings is a perfectly valid GL-settlement case.
         final boolean glSettlementMode = "GL".equals(record.get("settlement_mode"));
-        checks.add(glSettlementMode
-                ? checkResult("Linked savings account is Active", true, "Not applicable — settlement is a GL book-transfer")
+        // 'NONE' is the third mode approve() handles, and submit() produces it on its own: a clerk who
+        // names the product's own Share Sundry GL as the destination is saying "stop here", so the
+        // request is downgraded from GL to NONE and approve() posts Dr Share Capital / Cr Share Sundry
+        // and nothing further. Like a GL settlement it never reaches a savings account, so the
+        // savings-side checks below do not apply to it either — running them reports a missing fund
+        // source mapping that no posting in this mode is ever going to read.
+        final boolean sundryOnlySettlement = "NONE".equals(record.get("settlement_mode"));
+        final boolean noSavingsLeg = glSettlementMode || sundryOnlySettlement;
+        checks.add(noSavingsLeg
+                ? checkResult("Linked savings account is Active", true, sundryOnlySettlement
+                        ? "Not applicable — the redemption rests in Share Sundry"
+                        : "Not applicable — settlement is a GL book-transfer")
                 : checkResult("Linked savings account is Active", savingsAccountId != null && savingsStatus != null && savingsStatus == 300,
                         savingsAccountId == null ? "No linked savings account configured"
                                 : "Account #" + savingsAccountId + " — " + savingsStatusLabel(savingsStatus)));
@@ -541,6 +551,9 @@ public class ClerkShareWithdrawalRequestApiResource {
             final boolean settlementGlPresent = glAccountIdObj != null;
             checks.add(checkResult("Settlement GL Account recorded", settlementGlPresent,
                     settlementGlPresent ? glCodeOf(((Number) glAccountIdObj).longValue()) : "Missing"));
+        } else if (sundryOnlySettlement) {
+            checks.add(checkResult("Settlement destination recorded", true,
+                    "Share Sundry — the redemption stops there, so no fund source mapping is read"));
         } else {
             boolean glMappingOk = false;
             String glMappingDetail = "Linked savings account or settlement payment type missing — cannot check";
@@ -709,6 +722,21 @@ public class ClerkShareWithdrawalRequestApiResource {
                     + "applied to it, so these shares have not actually been paid for and cannot be redeemed.");
         }
 
+        // The Share Sundry account the redemption draws on must actually hold the money.
+        //
+        // collectionApplied above says A collection was applied to THIS account, not that the
+        // proceeds are still sitting in Sundry - the same holding account serves every share
+        // account, and an earlier redemption may already have drawn it down. Approving past that
+        // takes Sundry negative, which is a liability owing less than nothing, and the overdraw
+        // lands inside a balance-sheet head that totals positive, where it does not look wrong.
+        final BigDecimal redemptionValue = redemptionValueOf(shareAccountId, requestedShares);
+        if (redemptionValue != null) {
+            final Long productId = jdbcTemplate.queryForObject("SELECT product_id FROM m_share_account WHERE id = ?", Long.class,
+                    shareAccountId);
+            GLAccountTransactionGuard.assertSufficientBalance(jdbcTemplate, resolveGl(productId, FA_SHARES_SUSPENSE), redemptionValue,
+                    "The Share Sundry (Suspense) account");
+        }
+
         final JsonObject payload = new JsonObject();
         payload.addProperty("locale", "en");
         payload.addProperty("dateFormat", "dd MMMM yyyy");
@@ -958,6 +986,33 @@ public class ClerkShareWithdrawalRequestApiResource {
      * text is only unique so long as {@code m_share_account_transactions.id} never repeats, which a
      * reset id sequence in a dev environment can violate.
      */
+    /**
+     * What a redemption of this many shares will draw out of Share Sundry.
+     *
+     * <p>
+     * Priced at the unit price the member's own shares were issued at, which is the price the
+     * redemption itself uses. The product's nominal price is not consulted: a member who subscribed
+     * at an earlier price redeems at theirs, and pricing the guard differently from the posting
+     * would either block a redemption that fits or let one through that does not.
+     *
+     * @return the value, or null where no price can be established - the guard then stands aside
+     *         rather than blocking on a figure it had to invent.
+     */
+    private BigDecimal redemptionValueOf(final Long shareAccountId, final Long requestedShares) {
+        if (shareAccountId == null || requestedShares == null || requestedShares <= 0) {
+            return null;
+        }
+        // The purchase that issued the holding - type 500. Its unit price is what the member paid.
+        final BigDecimal unitPrice = jdbcTemplate
+                .queryForList("""
+                        SELECT unit_price FROM m_share_account_transactions
+                         WHERE account_id = ? AND is_active = true AND type_enum = 500 AND unit_price IS NOT NULL
+                         ORDER BY id DESC LIMIT 1
+                        """, BigDecimal.class, shareAccountId)
+                .stream().findFirst().orElse(null);
+        return unitPrice == null ? null : unitPrice.multiply(BigDecimal.valueOf(requestedShares));
+    }
+
     private Long redeemDebitGlOf(final Long shareTransactionId) {
         if (shareTransactionId == null) {
             return null;

fineract-provider/src/main/java/org/apache/fineract/portfolio/denominationmaster/service/CountedCashLedger.java

@@ -130,9 +130,19 @@ public final class CountedCashLedger {
             + "     AND (rct.is_reversed = true OR " + breakdownDiffersFrom("rct.amount") + "))"
             + " AND" + REAL_TXN_ID + ") ";
 
+    /**
+     * Over the aliases {@code std} and {@code mc} (the cashier a breakdown's officer maps to): only what
+     * the login counted once this allocation existed. A breakdown is tied to a cashier through its
+     * officer's login, so without this a person moved from one branch's teller to another's carried
+     * every rupee they had ever taken -- at the old branch too -- into the new drawer. An allocation
+     * with no recorded creation time keeps its whole history.
+     */
+    public static final String SINCE_ALLOCATION = " AND (mc.created_at IS NULL OR std.created_at IS NULL"
+            + " OR std.created_at >= mc.created_at)";
+
     /** Sub-rupee tolerance: a paisa-exact amount is handed over as the nearest whole rupee. */
     private static String breakdownDiffersFrom(final String amountColumn) {
-        return "ABS(" + amountColumn + " - (SELECT SUM(sd.count * sd.denomination_value)"
+        return "ABS(" + amountColumn + " - (SELECT SUM(CAST(sd.count AS BIGINT) * sd.denomination_value)"
                 + " FROM m_savings_txn_denomination sd WHERE sd.txn_id = std.txn_id"
                 + " AND sd.account_no IS NOT DISTINCT FROM std.account_no)) >= 1";
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/denominationmaster/service/DenominationBreakdownWriter.java

@@ -288,7 +288,7 @@ public class DenominationBreakdownWriter {
                 + "    WHERE std.txn_type = 'DEPOSIT'"
                 + "    AND " + CountedCashLedger.COUNTED_ROW
                 + "    AND std.officer_id IN (SELECT au.id FROM m_appuser au"
-                + "      JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?)"
+                + "      JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ")"
                 + "    GROUP BY std.denomination_id"
                 + "    UNION ALL"
                 + "    SELECT ced.denomination_id, CAST(SUM(ced.count) AS BIGINT)"
@@ -312,7 +312,7 @@ public class DenominationBreakdownWriter {
                 + "    WHERE std.txn_type = 'WITHDRAWAL'"
                 + "    AND " + CountedCashLedger.COUNTED_ROW
                 + "    AND std.officer_id IN (SELECT au.id FROM m_appuser au"
-                + "      JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?)"
+                + "      JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ")"
                 + "    GROUP BY std.denomination_id"
                 + "    UNION ALL"
                 + "    SELECT ced.denomination_id, CAST(-SUM(ced.count) AS BIGINT)"
@@ -409,7 +409,7 @@ public class DenominationBreakdownWriter {
                 + "  WHERE std.txn_type = 'DEPOSIT'"
                 + "  AND " + CountedCashLedger.COUNTED_ROW
                 + "  AND std.officer_id IN (SELECT au.id FROM m_appuser au"
-                + "    JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?)"
+                + "    JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ")"
                 + "  GROUP BY std.denomination_id"
                 + "  UNION ALL"
                 + "  SELECT ced.denomination_id, CAST(SUM(ced.count) AS BIGINT)"
@@ -433,7 +433,7 @@ public class DenominationBreakdownWriter {
                 + "  WHERE std.txn_type = 'WITHDRAWAL'"
                 + "  AND " + CountedCashLedger.COUNTED_ROW
                 + "  AND std.officer_id IN (SELECT au.id FROM m_appuser au"
-                + "    JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?)"
+                + "    JOIN m_cashiers mc ON mc.staff_id = au.staff_id WHERE mc.id = ?" + CountedCashLedger.SINCE_ALLOCATION + ")"
                 + "  GROUP BY std.denomination_id"
                 + "  UNION ALL"
                 + "  SELECT ced.denomination_id, CAST(-SUM(ced.count) AS BIGINT)"

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/starter/LoanAccountAutoStarter.java

@@ -27,6 +27,7 @@ import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.imp
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.DuePenFeeIntPriInAdvancePriPenFeeIntLoanRepaymentScheduleTransactionProcessor;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.DuePenIntPriFeeInAdvancePenIntPriFeeLoanRepaymentScheduleTransactionProcessor;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.EarlyPaymentLoanRepaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.FineractStyleLoanRepaymentScheduleTransactionProcessor;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.HeavensFamilyLoanRepaymentScheduleTransactionProcessor;
 import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl.InterestPrincipalPenaltyFeesOrderLoanRepaymentScheduleTransactionProcessor;
@@ -98,6 +99,15 @@ public class LoanAccountAutoStarter {
                 loanBalanceService);
     }
 
+    @Bean
+    @Conditional(FeesPenaltiesInterestPrincipalLoanRepaymentScheduleTransactionProcessorCondition.class)
+    public FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor feesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor(
+            final ExternalIdFactory externalIdFactory, final LoanChargeValidator loanChargeValidator,
+            final LoanBalanceService loanBalanceService) {
+        return new FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor(externalIdFactory, loanChargeValidator,
+                loanBalanceService);
+    }
+
     @Bean
     @Conditional(RBIIndiaLoanRepaymentScheduleTransactionProcessorCondition.class)
     public RBILoanRepaymentScheduleTransactionProcessor rbiLoanRepaymentScheduleTransactionProcessor(

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/api/LoanProductsApiResource.java

@@ -37,10 +37,15 @@ import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.Context;
 import jakarta.ws.rs.core.MediaType;
+import jakarta.ws.rs.core.MultivaluedMap;
 import jakarta.ws.rs.core.UriInfo;
+import java.time.LocalDate;
+import java.util.ArrayList;
 import java.util.Arrays;
 import java.util.Collection;
+import java.util.Collections;
 import java.util.HashSet;
+import java.util.LinkedHashMap;
 import java.util.List;
 import java.util.Map;
 import java.util.Objects;
@@ -58,6 +63,7 @@ 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.codes.data.CodeValueData;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.codes.service.CodeValueReadPlatformService;
 import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
 import org.apache.fineract.infrastructure.core.api.ApiFacingEnum;
@@ -107,6 +113,7 @@ import org.apache.fineract.portfolio.loanproduct.exception.LoanProductNotFoundEx
 import org.apache.fineract.portfolio.loanproduct.productmix.data.ProductMixData;
 import org.apache.fineract.portfolio.loanproduct.productmix.service.ProductMixReadPlatformService;
 import org.apache.fineract.portfolio.loanproduct.service.LoanDropdownReadPlatformService;
+import org.apache.fineract.portfolio.loanproduct.service.LoanProductAdvanceExtService;
 import org.apache.fineract.portfolio.loanproduct.service.LoanProductReadPlatformService;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeData;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeReadService;
@@ -142,7 +149,8 @@ public class LoanProductsApiResource {
             LoanProductConstants.CAPITALIZED_INCOME_CALCULATION_TYPE_PARAM_NAME,
             LoanProductConstants.CAPITALIZED_INCOME_STRATEGY_PARAM_NAME, LoanProductConstants.CAPITALIZED_INCOME_TYPE_PARAM_NAME,
             LoanProductConstants.ENABLE_BUY_DOWN_FEE_PARAM_NAME, LoanProductConstants.BUY_DOWN_FEE_CALCULATION_TYPE_PARAM_NAME,
-            LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME));
+            LoanProductConstants.BUY_DOWN_FEE_STRATEGY_PARAM_NAME, LoanProductConstants.BUY_DOWN_FEE_INCOME_TYPE_PARAM_NAME,
+            "advanceExtensions"));
 
     private static final Set<String> PRODUCT_MIX_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList("productId", "productName", "restrictedProducts", "allowedProducts", "productOptions"));
@@ -153,6 +161,7 @@ public class LoanProductsApiResource {
 
     private final PlatformSecurityContext context;
     private final LoanProductReadPlatformService loanProductReadPlatformService;
+    private final LoanProductAdvanceExtService loanProductAdvanceExtService;
     private final ChargeReadPlatformService chargeReadPlatformService;
     private final CurrencyReadPlatformService currencyReadPlatformService;
     private final FundReadPlatformService fundReadPlatformService;
@@ -219,11 +228,54 @@ public class LoanProductsApiResource {
             return this.productMixDataApiJsonSerializer.serialize(settings, productMixes, PRODUCT_MIX_DATA_PARAMETERS);
         }
 
-        final Collection<LoanProductData> products = this.loanProductReadPlatformService.retrieveAllLoanProducts();
+        final Collection<LoanProductData> products = enrichAndFilterProducts(
+                this.loanProductReadPlatformService.retrieveAllLoanProducts(), uriInfo);
 
         return this.toApiJsonSerializer.serialize(settings, products, LOAN_PRODUCT_DATA_PARAMETERS);
     }
 
+    /**
+     * Adds each product's category and type ("Advances A/C" or "Loans A/C" and its sub type) to the list, and applies
+     * the optional filters {@code activeOnly}, {@code productTypeGroup} and {@code productTypeSubGroup}. With none of
+     * them given the list holds the same products as before, each now carrying its classification.
+     */
+    private Collection<LoanProductData> enrichAndFilterProducts(final Collection<LoanProductData> products, final UriInfo uriInfo) {
+        final MultivaluedMap<String, String> query = uriInfo.getQueryParameters();
+        final boolean activeOnly = Boolean.parseBoolean(query.getFirst("activeOnly"));
+        final String group = trimToNull(query.getFirst("productTypeGroup"));
+        final String subGroup = trimToNull(query.getFirst("productTypeSubGroup"));
+        final Map<Long, Map<String, Object>> extensions = this.loanProductAdvanceExtService.retrieveAllAsMap();
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+
+        final List<LoanProductData> result = new ArrayList<>();
+        for (final LoanProductData product : products) {
+            final Map<String, Object> ext = extensions.getOrDefault(product.getId(), Collections.emptyMap());
+            if (activeOnly && !isActiveOn(product, today)) {
+                continue;
+            }
+            if (group != null && !group.equalsIgnoreCase(String.valueOf(ext.get("productTypeGroup")))) {
+                continue;
+            }
+            if (subGroup != null && !subGroup.equalsIgnoreCase(String.valueOf(ext.get("productTypeSubGroup")))) {
+                continue;
+            }
+            product.setAdvanceExtensions(new LinkedHashMap<>(ext));
+            result.add(product);
+        }
+        return result;
+    }
+
+    /** A product is active from its start date until its close date; either end may be open. */
+    private static boolean isActiveOn(final LoanProductData product, final LocalDate date) {
+        final LocalDate start = product.getStartDate();
+        final LocalDate close = product.getCloseDate();
+        return (start == null || !start.isAfter(date)) && (close == null || !close.isBefore(date));
+    }
+
+    private static String trimToNull(final String value) {
+        return value == null || value.isBlank() ? null : value.trim();
+    }
+
     @GET
     @Path("template")
     @Consumes({ MediaType.APPLICATION_JSON })
@@ -384,6 +436,9 @@ public class LoanProductsApiResource {
         if (settings.isTemplate()) {
             loanProduct = handleTemplate(loanProduct);
         }
+        // "Advances A/C" satellite fields, so the edit form can repopulate. Set last: the accounting and template
+        // steps above return fresh LoanProductData copies that would otherwise drop it. Empty map for a standard product.
+        loanProduct.setAdvanceExtensions(this.loanProductAdvanceExtService.retrieveAsMap(productId));
         return this.toApiJsonSerializer.serialize(settings, loanProduct, LOAN_PRODUCT_DATA_PARAMETERS);
     }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/api/LoanProductsBaseInterestRatesApiResource.java

@@ -0,0 +1,134 @@
+/**
+ * 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.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonPrimitive;
+import com.google.gson.JsonSerializer;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.responses.ApiResponse;
+import io.swagger.v3.oas.annotations.responses.ApiResponses;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.time.format.DateTimeFormatter;
+import java.util.List;
+import java.util.Optional;
+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.portfolio.loanproduct.data.LoanRateRegisterData;
+import org.apache.fineract.portfolio.loanproduct.service.LoanRateRegisterReadPlatformService;
+import org.springframework.stereotype.Component;
+
+/**
+ * REST surface for the Loan Interest Rate Register. Mirrors
+ * {@code FixedDepositProductsBaseInterestRatesApiResource}: a GET list for the Version History
+ * accordion, a GET /active for the current rate chart, a GET /{id} for one specific version, and
+ * a POST that goes through Fineract's maker-checker pipeline.
+ *
+ * Reads are gated by the pre-existing {@code LOANPRODUCT} resource; writes by the two seeded
+ * permissions {@code CREATE_LOANBASEINTERESTRATE} (maker) and {@code CREATE_LOANBASEINTERESTRATE_CHECKER}.
+ */
+@Path("/v1/loanproducts/baseinterestrates")
+@Component
+@RequiredArgsConstructor
+public class LoanProductsBaseInterestRatesApiResource {
+
+    private static final String RESOURCE_NAME_FOR_PERMISSIONS = "LOANPRODUCT";
+
+    private final PlatformSecurityContext context;
+    private final LoanRateRegisterReadPlatformService readService;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+
+    private final Gson gson = new GsonBuilder()
+            .registerTypeAdapter(LocalDate.class,
+                    (JsonSerializer<LocalDate>) (src, typeOfSrc, ctx) -> new JsonPrimitive(src.toString()))
+            .registerTypeAdapter(LocalDateTime.class,
+                    (JsonSerializer<LocalDateTime>) (src, typeOfSrc, ctx) -> new JsonPrimitive(src.format(DateTimeFormatter.ISO_LOCAL_DATE_TIME)))
+            .create();
+
+    /** Full Version History — all effective versions, newest first. */
+    @GET
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Get all Loan Interest Rate Register versions", description = "Returns the full history of rate register versions, newest first.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public String retrieveAll() {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        final List<LoanRateRegisterData> data = this.readService.retrieveAll();
+        return this.gson.toJson(data);
+    }
+
+    /** Master list of particulars (loan types) that make up the chart rows. Literal path wins over {id}. */
+    @GET
+    @Path("products")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Get Loan Interest Rate Register particulars", description = "Returns the master list of loan types (chart rows) with their mapped GL account id, in chart order.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public String retrieveProducts() {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        return this.gson.toJson(this.readService.retrieveProducts());
+    }
+
+    /** The currently in-force version, with its full chart + CIBIL. */
+    @GET
+    @Path("active")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Get the active Loan Interest Rate Register", description = "Returns the version flagged isActive=true, or null when none has been approved yet.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public String retrieveActive() {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        final Optional<LoanRateRegisterData> data = this.readService.retrieveActive();
+        return this.gson.toJson(data.orElse(null));
+    }
+
+    /** One specific version by id — used by the Compare screen for the "will be deactivated" baseline. */
+    @GET
+    @Path("{id}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Get a specific rate register version", description = "Returns the full chart + CIBIL bands for the given version id.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK"), @ApiResponse(responseCode = "404", description = "Not found") })
+    public String retrieveById(@PathParam("id") final Long id) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSIONS);
+        final Optional<LoanRateRegisterData> data = this.readService.retrieveById(id);
+        return this.gson.toJson(data.orElse(null));
+    }
+
+    /**
+     * Submit a new version. If {@code CREATE_LOANBASEINTERESTRATE.can_maker_checker=true}, this
+     * returns {@code rollbackTransaction=true} and the row sits in {@code m_portfolio_command_source}
+     * until a checker approves it from the Approvals tab. Otherwise it commits immediately.
+     */
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Submit a new Loan Interest Rate Register version", description = "Creates a new version of the loan interest rate register. Deactivates the current active version on approval.")
+    @ApiResponses({ @ApiResponse(responseCode = "200", description = "OK") })
+    public CommandProcessingResult submitRateRegister(@Parameter(hidden = true) final String apiRequestBodyAsJson) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder()
+                .createLoanBaseInterestRate()
+                .withJson(apiRequestBodyAsJson)
+                .build();
+        return this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/api/LoanRateRegisterSaveRequest.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.api;
+
+import java.math.BigDecimal;
+import java.util.List;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+import lombok.Setter;
+
+/**
+ * JSON shape expected by {@code POST /loanproducts/baseinterestrates}. Deserialised by Gson in the
+ * write service. One request = one proposed new version of the rate register.
+ */
+@Getter
+@Setter
+@NoArgsConstructor
+public class LoanRateRegisterSaveRequest {
+
+    private String name;
+    /** ISO date "YYYY-MM-DD". Defaults to today when omitted. */
+    private String effectiveFromDate;
+    private String currencyCode;
+    private Integer fallbackNoCibilSlab;
+    private String fallbackBelowMin;
+    private String note;
+
+    /**
+     * Particulars (chart rows) with their GL. A row whose srNo is not yet in the master is created on
+     * approval and must carry a glAccountId; for an existing row a changed glAccountId/name updates the master.
+     */
+    private List<ProductRequest> products;
+    private List<SlabRequest> slabs;
+    private List<CibilSlabRequest> cibilSlabs;
+
+    @Getter
+    @Setter
+    @NoArgsConstructor
+    public static class ProductRequest {
+        private Integer srNo;
+        private String name;
+        private Long glAccountId;
+    }
+
+    @Getter
+    @Setter
+    @NoArgsConstructor
+    public static class SlabRequest {
+        private Integer productSrNo;
+        private String productName;
+        private Integer slabOrder;
+        private String slabLabel;
+        private BigDecimal amountUpto;
+        private BigDecimal rateValue;
+        private String rateFormula;
+        private Boolean isFormula;
+        private Boolean isNa;
+    }
+
+    @Getter
+    @Setter
+    @NoArgsConstructor
+    public static class CibilSlabRequest {
+        private Integer scoreFrom;
+        private Integer scoreTo;
+        private String tier;
+        private String slabType;
+        private BigDecimal adjustmentPct;
+        private Integer displayOrder;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/data/LoanRateRegisterCibilSlabData.java

@@ -0,0 +1,28 @@
+/**
+ * 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.data;
+
+import java.math.BigDecimal;
+import lombok.Builder;
+import lombok.Getter;
+
+/**
+ * One CIBIL/credit-score band of a rate register version, used in the response payload.
+ */
+@Getter
+@Builder
+public class LoanRateRegisterCibilSlabData {
+
+    private Long id;
+    private Integer scoreFrom;
+    private Integer scoreTo;
+    private String tier;
+    private String slabType;
+    private BigDecimal adjustmentPct;
+    private Integer displayOrder;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/data/LoanRateRegisterData.java

@@ -0,0 +1,38 @@
+/**
+ * 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.data;
+
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.util.List;
+import lombok.Builder;
+import lombok.Getter;
+
+/**
+ * Response DTO for one effective version of the Loan Interest Rate Register. Header fields +
+ * nested chart cells + CIBIL bands.
+ */
+@Getter
+@Builder
+public class LoanRateRegisterData {
+
+    private Long id;
+    private String name;
+    private LocalDate effectiveFromDate;
+    private LocalDate effectiveToDate;
+    private String currencyCode;
+    private Boolean isActive;
+    private Integer fallbackNoCibilSlab;
+    private String fallbackBelowMin;
+    private String note;
+    private Long createdById;
+    private LocalDateTime createdDate;
+
+    private List<LoanRateRegisterSlabData> slabs;
+    private List<LoanRateRegisterCibilSlabData> cibilSlabs;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/data/LoanRateRegisterProductData.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.data;
+
+import lombok.Builder;
+import lombok.Getter;
+
+/** Response DTO for one particular (loan type) of the Loan Interest Rate Register. */
+@Getter
+@Builder
+public class LoanRateRegisterProductData {
+
+    private Long id;
+    private Integer srNo;
+    private String name;
+    /** Null until the bank maps the particular to a GL account. */
+    private Long glAccountId;
+    private Boolean isActive;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/data/LoanRateRegisterSlabData.java

@@ -0,0 +1,33 @@
+/**
+ * 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.data;
+
+import java.math.BigDecimal;
+import lombok.Builder;
+import lombok.Getter;
+
+/**
+ * One cell of a rate register version — same shape as the entity but a POJO for the response.
+ * Serialised through Gson in the REST resource.
+ */
+@Getter
+@Builder
+public class LoanRateRegisterSlabData {
+
+    private Long id;
+    private Long productId;
+    private Integer productSrNo;
+    private String productName;
+    private Integer slabOrder;
+    private String slabLabel;
+    private BigDecimal amountUpto;
+    private BigDecimal rateValue;
+    private String rateFormula;
+    private Boolean isFormula;
+    private Boolean isNa;
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/handler/CreateLoanBaseInterestRateCommandHandler.java

@@ -0,0 +1,37 @@
+/**
+ * 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.handler;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.annotation.CommandType;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.portfolio.loanproduct.service.LoanRateRegisterWritePlatformService;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Dispatched by Fineract when a {@code LOANBASEINTERESTRATE} / {@code CREATE} command is executed —
+ * on first submit (maker-checker off) or on checker approval (maker-checker on). The {@code @CommandType}
+ * entity string here MUST match the one registered by {@code CommandWrapperBuilder.createLoanBaseInterestRate()}
+ * and the permission codes seeded by {@code 0581_enable_loan_rate_register_maker_checker.xml}.
+ */
+@Service
+@CommandType(entity = "LOANBASEINTERESTRATE", action = "CREATE")
+@RequiredArgsConstructor
+public class CreateLoanBaseInterestRateCommandHandler implements NewCommandSourceHandler {
+
+    private final LoanRateRegisterWritePlatformService writePlatformService;
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+        return this.writePlatformService.saveRateRegister(command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/serialization/LoanProductDataValidator.java

@@ -72,6 +72,7 @@ import org.apache.fineract.portfolio.loanproduct.domain.InterestRecalculationCom
 import org.apache.fineract.portfolio.loanproduct.domain.LoanPreCloseInterestCalculationStrategy;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProductPaymentAllocationRule;
+import org.apache.fineract.portfolio.loanproduct.service.LoanProductAdvanceExtService;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanProductValueConditionType;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanRescheduleStrategyMethod;
 import org.apache.fineract.portfolio.loanproduct.domain.LoanSupportedInterestRefundTypes;
@@ -212,6 +213,13 @@ public final class LoanProductDataValidator {
             LoanProductConstants.ALLOW_FULL_TERM_FOR_TRANCHE_PARAM_NAME //
     ));
 
+    static {
+        // "Advances A/C" satellite params are persisted by LoanProductAdvanceExtService, which owns the
+        // authoritative list of their names — added here rather than restated so the two cannot drift, and so
+        // the unsupported-parameter check keeps rejecting genuine typos.
+        SUPPORTED_PARAMETERS.addAll(Arrays.asList(LoanProductAdvanceExtService.ADVANCE_PARAMETERS));
+    }
+
     private static final String[] SUPPORTED_LOAN_CONFIGURABLE_ATTRIBUTES = { LoanProductConstants.amortizationTypeParamName,
             LoanProductConstants.interestTypeParamName, LoanProductConstants.transactionProcessingStrategyCodeParamName,
             LoanProductConstants.interestCalculationPeriodTypeParamName, LoanProductConstants.inArrearsToleranceParamName,

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/serialization/LoanRateRegisterDataValidator.java

@@ -0,0 +1,164 @@
+/**
+ * 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.serialization;
+
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Set;
+import java.util.TreeSet;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.portfolio.loanproduct.api.LoanRateRegisterSaveRequest;
+import org.apache.fineract.portfolio.loanproduct.api.LoanRateRegisterSaveRequest.CibilSlabRequest;
+import org.apache.fineract.portfolio.loanproduct.api.LoanRateRegisterSaveRequest.SlabRequest;
+import org.springframework.stereotype.Component;
+
+/**
+ * Validates a {@link LoanRateRegisterSaveRequest} before the write service touches the DB. Keeps
+ * the write service free of guard clauses and surfaces every error up front rather than failing on
+ * the first one — Fineract convention.
+ */
+@Component
+public class LoanRateRegisterDataValidator {
+
+    private static final String RESOURCE_NAME = "loanRateRegister";
+
+    public void validate(final LoanRateRegisterSaveRequest req) {
+        final List<ApiParameterError> errors = new ArrayList<>();
+
+        if (req == null) {
+            errors.add(error("payload", "payload.required", "Request body is required"));
+            raise(errors);
+        }
+
+        // Header fields
+        if (isBlank(req.getName())) {
+            errors.add(error("name", "name.required", "Register name is required"));
+        } else if (req.getName().length() > 200) {
+            errors.add(error("name", "name.exceeds.max.length", "Register name must be at most 200 characters"));
+        }
+        if (req.getFallbackNoCibilSlab() != null && req.getFallbackNoCibilSlab() < 1) {
+            errors.add(error("fallbackNoCibilSlab", "fallback.no.cibil.slab.invalid", "Fallback slab pointer must be >= 1"));
+        }
+        if (req.getFallbackBelowMin() != null && !req.getFallbackBelowMin().equals("use-min-slab")
+                && !req.getFallbackBelowMin().equals("block")) {
+            errors.add(error("fallbackBelowMin", "fallback.below.min.invalid",
+                    "fallbackBelowMin must be 'use-min-slab' or 'block'"));
+        }
+
+        // Chart cells
+        final List<SlabRequest> slabs = req.getSlabs();
+        if (slabs == null || slabs.isEmpty()) {
+            errors.add(error("slabs", "slabs.required", "At least one rate chart cell is required"));
+        } else {
+            for (int i = 0; i < slabs.size(); i++) {
+                validateSlab(slabs.get(i), i, errors);
+            }
+        }
+
+        // CIBIL bands
+        final List<CibilSlabRequest> cibil = req.getCibilSlabs();
+        if (cibil == null || cibil.isEmpty()) {
+            errors.add(error("cibilSlabs", "cibilSlabs.required", "At least one CIBIL slab is required"));
+        } else {
+            validateCibilCoverage(cibil, errors);
+        }
+
+        raise(errors);
+    }
+
+    private void validateSlab(final SlabRequest s, final int idx, final List<ApiParameterError> errors) {
+        final String prefix = "slabs[" + idx + "]";
+        if (s.getProductSrNo() == null) {
+            errors.add(error(prefix + ".productSrNo", "productSrNo.required", "productSrNo is required"));
+        }
+        if (isBlank(s.getProductName())) {
+            errors.add(error(prefix + ".productName", "productName.required", "productName is required"));
+        }
+        if (s.getSlabOrder() == null) {
+            errors.add(error(prefix + ".slabOrder", "slabOrder.required", "slabOrder is required"));
+        }
+        if (isBlank(s.getSlabLabel())) {
+            errors.add(error(prefix + ".slabLabel", "slabLabel.required", "slabLabel is required"));
+        }
+        // Exactly one of: rateValue populated, rateFormula populated, isNa=true. Both-null-and-not-NA is invalid.
+        final boolean hasValue = s.getRateValue() != null;
+        final boolean hasFormula = s.getRateFormula() != null && !s.getRateFormula().isBlank();
+        final boolean na = Boolean.TRUE.equals(s.getIsNa());
+        final int populated = (hasValue ? 1 : 0) + (hasFormula ? 1 : 0) + (na ? 1 : 0);
+        if (populated == 0) {
+            errors.add(error(prefix, "cell.empty",
+                    "Cell must have a rateValue, a rateFormula, or isNa=true"));
+        } else if (populated > 1) {
+            errors.add(error(prefix, "cell.ambiguous",
+                    "Cell must have exactly one of rateValue, rateFormula, or isNa"));
+        }
+        if (hasFormula && !Boolean.TRUE.equals(s.getIsFormula())) {
+            errors.add(error(prefix + ".isFormula", "isFormula.mismatch",
+                    "isFormula must be true when rateFormula is set"));
+        }
+    }
+
+    /** CIBIL bands must cover 0..900 contiguously and must not overlap. */
+    private void validateCibilCoverage(final List<CibilSlabRequest> cibil, final List<ApiParameterError> errors) {
+        final List<CibilSlabRequest> sorted = new ArrayList<>(cibil);
+        sorted.sort((a, b) -> Integer.compare(nz(a.getScoreFrom()), nz(b.getScoreFrom())));
+        final Set<Integer> seenOrders = new TreeSet<>();
+        int expectedNextFrom = 0;
+        for (int i = 0; i < sorted.size(); i++) {
+            final CibilSlabRequest c = sorted.get(i);
+            final String prefix = "cibilSlabs[" + i + "]";
+            if (c.getScoreFrom() == null || c.getScoreTo() == null) {
+                errors.add(error(prefix, "cibil.range.required", "scoreFrom and scoreTo are required"));
+                continue;
+            }
+            if (c.getScoreFrom() > c.getScoreTo()) {
+                errors.add(error(prefix, "cibil.range.inverted", "scoreFrom must be <= scoreTo"));
+            }
+            if (c.getScoreFrom() != expectedNextFrom) {
+                errors.add(error(prefix, "cibil.range.gap_or_overlap",
+                        "CIBIL bands must be contiguous starting from 0 (expected " + expectedNextFrom
+                                + ", got " + c.getScoreFrom() + ")"));
+            }
+            if (isBlank(c.getTier())) {
+                errors.add(error(prefix + ".tier", "tier.required", "tier is required"));
+            }
+            if (c.getAdjustmentPct() == null) {
+                errors.add(error(prefix + ".adjustmentPct", "adjustmentPct.required", "adjustmentPct is required"));
+            }
+            if (c.getDisplayOrder() == null || !seenOrders.add(c.getDisplayOrder())) {
+                errors.add(error(prefix + ".displayOrder", "displayOrder.invalid",
+                        "displayOrder is required and must be unique"));
+            }
+            expectedNextFrom = c.getScoreTo() + 1;
+        }
+        if (!sorted.isEmpty() && expectedNextFrom <= 900) {
+            errors.add(error("cibilSlabs", "cibil.coverage.incomplete",
+                    "CIBIL bands must cover up to 900 (last to was " + (expectedNextFrom - 1) + ")"));
+        }
+    }
+
+    private static ApiParameterError error(final String field, final String code, final String msg) {
+        return ApiParameterError.parameterError("validation." + RESOURCE_NAME + "." + code, msg, field);
+    }
+
+    private static void raise(final List<ApiParameterError> errors) {
+        if (!errors.isEmpty()) {
+            throw new PlatformApiDataValidationException("validation.msg." + RESOURCE_NAME + ".failed",
+                    "Validation errors exist.", errors);
+        }
+    }
+
+    private static boolean isBlank(final String s) {
+        return s == null || s.isBlank();
+    }
+
+    private static int nz(final Integer n) {
+        return n != null ? n : 0;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanProductAdvanceExtService.java

@@ -0,0 +1,514 @@
+/**
+ * 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.service;
+
+import com.google.gson.JsonElement;
+import java.math.BigDecimal;
+import java.util.LinkedHashMap;
+import java.util.Map;
+import java.util.Objects;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanProduct;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanProductAdvanceExt;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanProductAdvanceExtRepository;
+import org.springframework.stereotype.Service;
+
+/**
+ * Persists and reads the "Advances A/C" satellite ({@link LoanProductAdvanceExt}).
+ *
+ * Only touched for an Advances product: a standard loan product carries none of {@link #ADVANCE_PARAMETERS},
+ * so {@link #saveOrUpdate} early-returns and never writes an empty row. Called from inside the loan-product
+ * create/update transaction, so a failure here rolls the whole product back.
+ */
+@Service
+@RequiredArgsConstructor
+public class LoanProductAdvanceExtService {
+
+    private final LoanProductAdvanceExtRepository repository;
+
+    /**
+     * Every Advance parameter name. Shared with {@code LoanProductDataValidator} (added to its
+     * SUPPORTED_PARAMETERS) so the two can never disagree about what is accepted. These are the
+     * satellite-only fields; core fields (principal, rate, tenure, npaDays, delinquencyBucketId,
+     * graceOnArrearsAgeing, inArrearsTolerance, accountingRule...) are handled by the standard product.
+     */
+    public static final String[] ADVANCE_PARAMETERS = { "productTypeGroup", "productTypeSubGroup", "glAccount",
+            "loanProductCategory", "prioritySector", "cibilAccountType", "kfsEnabled", "aprEnabled", "facilityType",
+            "securityType", "chargeType", "eligibleAmountBasis", "margin", "ltv", "dpMethod", "lienRequired",
+            "lienMarkingStage", "lienCertificateRequired", "lienCertificatePrefix", "printCertificateOnDisbursement",
+            "interestBasis", "spread", "interestChargedOn", "interestPostingFrequency", "penalApplicable", "penalRate",
+            "penalAppliedOn", "penalGraceDays", "npaTrigger", "interestAfterNpa", "undebitedInterestGlId",
+            "renewalAllowed", "renewalPeriodMonths", "renewalGraceDays", "preclosureAllowed", "lockInMonths",
+            "interestOnPreclosure", "revaluationFreqMonths", "insuranceRequired", "stockStatementFreqMonths",
+            "chequeBookEnabled", "chequeType", "defaultChequeBookSize", "ppsThreshold", "ppsMandatoryAbove",
+            "shareCapitalGl",
+            // security & lien extras
+            "eligibleDepositProducts", "lienTenureNotExceedMaturity", "lienAutoReleaseOnClosure",
+            "lienAllowMultipleDeposits", "lienAdjustFromMaturity", "lienAllowThirdParty", "lienAllowRenewalUnderLien",
+            // limit & tenure extras
+            "repaymentType", "appropriationOrder", "debitBalanceAllow", "allowDebitAfterDueDate", "branchLevelAccountType",
+            // interest extras
+            "interestCalcMethod", "interestOnCreditBalance", "interestPostingDay",
+            // NPA upgrade rules
+            "npaUpgradeOnlyAllArrears", "npaKeepStandardIfDepositCovers",
+            // cheque book full config
+            "chequeBookSizes", "chequeMaxBooksOutstanding", "chequeReissueWhenLeaves", "chequeFirstBookFree",
+            "chequeFreeBooksPerYear", "chequeNamePrinted", "chequePrintDescription", "chequeStopPaymentAllowed",
+            "chequeMaintainStockRegister", "chequeAllowWithdrawalSlip", "chequeBlockNpa", "chequeBlockLimitExpired",
+            "chequeBlockOverDp", "chequeBlockFrozen", "chequeBlockLienReleased",
+            // Loans A/C (EMI) wizard fields
+            "securityMandatory", "guarantorsRequired", "coApplicant", "thirdPartySecurity",
+            "legalOpinionRequired", "propertyInsuranceRequired", "registerCharge", "releaseSecurityOnClosure",
+            "allowMultipleSecurities", "allowThirdPartyDeposit", "minAge", "maxAgeAtMaturity",
+            "minCibil", "minMonthlyIncome", "maxFoir", "maxLoansPerCustomer",
+            "disbursementType", "disbursementMode", "undisbursedInterest", "preEmiInterest",
+            "emiDueDay", "holidayRule", "moratoriumMonths", "moratoriumInterest",
+            "variableInstallments", "repaymentMode", "linkedAccountType", "pdcCollection",
+            "mandateRequired", "advanceEmi", "rateType", "registerParticular",
+            "applyCibilAdjustment", "rateResolvedAt", "calcPeriod", "interestStartsFrom",
+            "compounding", "benchmark", "resetFrequency", "resetChange",
+            "partPrepaymentAllowed", "minPartPayment", "allowedOn", "partPaymentsPerYear",
+            "partPrepaymentMode", "foreclosureFloatingIndividual", "foreclosureFixedIndividual", "foreclosureNonIndividual",
+            "foreclosureTakeover", "foreclosureQuoteValidDays", "autoCloseOnZeroBalance", "nocLetter",
+            "restructuring", "releaseCollateralOnClosure", "topUpAllowed", "balanceTransferOutAllowed" };
+
+    /**
+     * Insert or partial-update the satellite for this product. Returns the fields that actually changed so the
+     * caller can fold them into the loan-product audit {@code changes} map.
+     */
+    public Map<String, Object> saveOrUpdate(final LoanProduct loanProduct, final JsonCommand command) {
+        final Map<String, Object> changes = new LinkedHashMap<>();
+        if (!hasAnyAdvanceParameter(command)) {
+            return changes;
+        }
+        final LoanProductAdvanceExt ext = this.repository.findByLoanProductId(loanProduct.getId())
+                .orElseGet(() -> new LoanProductAdvanceExt(loanProduct));
+        applyScalarFields(ext, command, changes);
+        this.repository.save(ext);
+        return changes;
+    }
+
+    public Map<String, Object> retrieveAsMap(final Long loanProductId) {
+        return this.repository.findByLoanProductId(loanProductId).map(LoanProductAdvanceExtService::toMap)
+                .orElseGet(LinkedHashMap::new);
+    }
+
+    /**
+     * Every product's satellite in one query, keyed by loan product id. Used by the product list so a screen can
+     * show and filter products by category and type without one extra call per product.
+     */
+    public Map<Long, Map<String, Object>> retrieveAllAsMap() {
+        final Map<Long, Map<String, Object>> byProduct = new LinkedHashMap<>();
+        for (final LoanProductAdvanceExt ext : this.repository.findAll()) {
+            byProduct.put(ext.getLoanProductId(), toMap(ext));
+        }
+        return byProduct;
+    }
+
+    private boolean hasAnyAdvanceParameter(final JsonCommand command) {
+        for (final String param : ADVANCE_PARAMETERS) {
+            if (command.parameterExists(param)) {
+                return true;
+            }
+        }
+        return false;
+    }
+
+    private void applyScalarFields(final LoanProductAdvanceExt ext, final JsonCommand command,
+            final Map<String, Object> changes) {
+        setString(command, "productTypeGroup", ext::getProductTypeGroup, ext::setProductTypeGroup, changes);
+        setString(command, "productTypeSubGroup", ext::getProductTypeSubGroup, ext::setProductTypeSubGroup, changes);
+        setLong(command, "glAccount", ext::getGlAccountId, ext::setGlAccountId, changes);
+        setString(command, "loanProductCategory", ext::getLoanProductCategory, ext::setLoanProductCategory, changes);
+        setString(command, "prioritySector", ext::getPrioritySector, ext::setPrioritySector, changes);
+        setString(command, "cibilAccountType", ext::getCibilAccountType, ext::setCibilAccountType, changes);
+        setBoolean(command, "kfsEnabled", ext::getKfsEnabled, ext::setKfsEnabled, changes);
+        setBoolean(command, "aprEnabled", ext::getAprEnabled, ext::setAprEnabled, changes);
+        setString(command, "facilityType", ext::getFacilityType, ext::setFacilityType, changes);
+        setString(command, "securityType", ext::getSecurityType, ext::setSecurityType, changes);
+        setString(command, "chargeType", ext::getChargeType, ext::setChargeType, changes);
+        setString(command, "eligibleAmountBasis", ext::getEligibleAmountBasis, ext::setEligibleAmountBasis, changes);
+        setDecimal(command, "margin", ext::getMarginPct, ext::setMarginPct, changes);
+        setDecimal(command, "ltv", ext::getLtvPct, ext::setLtvPct, changes);
+        setString(command, "dpMethod", ext::getDpMethod, ext::setDpMethod, changes);
+        setBoolean(command, "lienRequired", ext::getLienRequired, ext::setLienRequired, changes);
+        setString(command, "lienMarkingStage", ext::getLienMarkingStage, ext::setLienMarkingStage, changes);
+        setBoolean(command, "lienCertificateRequired", ext::getLienCertificateRequired, ext::setLienCertificateRequired,
+                changes);
+        setString(command, "lienCertificatePrefix", ext::getLienCertificatePrefix, ext::setLienCertificatePrefix,
+                changes);
+        setBoolean(command, "printCertificateOnDisbursement", ext::getPrintCertificateOnDisbursement,
+                ext::setPrintCertificateOnDisbursement, changes);
+        setString(command, "interestBasis", ext::getInterestBasis, ext::setInterestBasis, changes);
+        setDecimal(command, "spread", ext::getSpreadPct, ext::setSpreadPct, changes);
+        setString(command, "interestChargedOn", ext::getInterestChargedOn, ext::setInterestChargedOn, changes);
+        setString(command, "interestPostingFrequency", ext::getInterestPostingFrequency,
+                ext::setInterestPostingFrequency, changes);
+        setBoolean(command, "penalApplicable", ext::getPenalApplicable, ext::setPenalApplicable, changes);
+        setDecimal(command, "penalRate", ext::getPenalRatePct, ext::setPenalRatePct, changes);
+        setString(command, "penalAppliedOn", ext::getPenalAppliedOn, ext::setPenalAppliedOn, changes);
+        setInteger(command, "penalGraceDays", ext::getPenalGraceDays, ext::setPenalGraceDays, changes);
+        setString(command, "npaTrigger", ext::getNpaTrigger, ext::setNpaTrigger, changes);
+        setString(command, "interestAfterNpa", ext::getInterestAfterNpa, ext::setInterestAfterNpa, changes);
+        setLong(command, "undebitedInterestGlId", ext::getUndebitedInterestGlId, ext::setUndebitedInterestGlId, changes);
+        setBoolean(command, "renewalAllowed", ext::getRenewalAllowed, ext::setRenewalAllowed, changes);
+        setInteger(command, "renewalPeriodMonths", ext::getRenewalPeriodMonths, ext::setRenewalPeriodMonths, changes);
+        setInteger(command, "renewalGraceDays", ext::getRenewalGraceDays, ext::setRenewalGraceDays, changes);
+        setString(command, "preclosureAllowed", ext::getPreclosureAllowed, ext::setPreclosureAllowed, changes);
+        setInteger(command, "lockInMonths", ext::getLockInMonths, ext::setLockInMonths, changes);
+        setString(command, "interestOnPreclosure", ext::getInterestOnPreclosure, ext::setInterestOnPreclosure, changes);
+        setInteger(command, "revaluationFreqMonths", ext::getRevaluationFreqMonths, ext::setRevaluationFreqMonths,
+                changes);
+        setBoolean(command, "insuranceRequired", ext::getInsuranceRequired, ext::setInsuranceRequired, changes);
+        setInteger(command, "stockStatementFreqMonths", ext::getStockStatementFreqMonths,
+                ext::setStockStatementFreqMonths, changes);
+        setBoolean(command, "chequeBookEnabled", ext::getChequeBookEnabled, ext::setChequeBookEnabled, changes);
+        setString(command, "chequeType", ext::getChequeType, ext::setChequeType, changes);
+        setInteger(command, "defaultChequeBookSize", ext::getDefaultChequeBookSize, ext::setDefaultChequeBookSize,
+                changes);
+        setDecimal(command, "ppsThreshold", ext::getPpsThreshold, ext::setPpsThreshold, changes);
+        setDecimal(command, "ppsMandatoryAbove", ext::getPpsMandatoryAbove, ext::setPpsMandatoryAbove, changes);
+        setLong(command, "shareCapitalGl", ext::getShareCapitalGlId, ext::setShareCapitalGlId, changes);
+        // security & lien extras
+        setString(command, "eligibleDepositProducts", ext::getEligibleDepositProducts, ext::setEligibleDepositProducts,
+                changes);
+        setBoolean(command, "lienTenureNotExceedMaturity", ext::getLienTenureNotExceedMaturity,
+                ext::setLienTenureNotExceedMaturity, changes);
+        setBoolean(command, "lienAutoReleaseOnClosure", ext::getLienAutoReleaseOnClosure,
+                ext::setLienAutoReleaseOnClosure, changes);
+        setBoolean(command, "lienAllowMultipleDeposits", ext::getLienAllowMultipleDeposits,
+                ext::setLienAllowMultipleDeposits, changes);
+        setBoolean(command, "lienAdjustFromMaturity", ext::getLienAdjustFromMaturity, ext::setLienAdjustFromMaturity,
+                changes);
+        setBoolean(command, "lienAllowThirdParty", ext::getLienAllowThirdParty, ext::setLienAllowThirdParty, changes);
+        setBoolean(command, "lienAllowRenewalUnderLien", ext::getLienAllowRenewalUnderLien,
+                ext::setLienAllowRenewalUnderLien, changes);
+        // limit & tenure extras
+        setString(command, "repaymentType", ext::getRepaymentType, ext::setRepaymentType, changes);
+        setString(command, "appropriationOrder", ext::getAppropriationOrder, ext::setAppropriationOrder, changes);
+        setBoolean(command, "debitBalanceAllow", ext::getDebitBalanceAllow, ext::setDebitBalanceAllow, changes);
+        setBoolean(command, "allowDebitAfterDueDate", ext::getAllowDebitAfterDueDate, ext::setAllowDebitAfterDueDate,
+                changes);
+        setBoolean(command, "branchLevelAccountType", ext::getBranchLevelAccountType, ext::setBranchLevelAccountType,
+                changes);
+        // interest extras
+        setString(command, "interestCalcMethod", ext::getInterestCalcMethod, ext::setInterestCalcMethod, changes);
+        setBoolean(command, "interestOnCreditBalance", ext::getInterestOnCreditBalance, ext::setInterestOnCreditBalance,
+                changes);
+        setString(command, "interestPostingDay", ext::getInterestPostingDay, ext::setInterestPostingDay, changes);
+        // NPA upgrade rules
+        setBoolean(command, "npaUpgradeOnlyAllArrears", ext::getNpaUpgradeOnlyAllArrears,
+                ext::setNpaUpgradeOnlyAllArrears, changes);
+        setBoolean(command, "npaKeepStandardIfDepositCovers", ext::getNpaKeepStandardIfDepositCovers,
+                ext::setNpaKeepStandardIfDepositCovers, changes);
+        // cheque book full config
+        setString(command, "chequeBookSizes", ext::getChequeBookSizes, ext::setChequeBookSizes, changes);
+        setInteger(command, "chequeMaxBooksOutstanding", ext::getChequeMaxBooksOutstanding,
+                ext::setChequeMaxBooksOutstanding, changes);
+        setInteger(command, "chequeReissueWhenLeaves", ext::getChequeReissueWhenLeaves, ext::setChequeReissueWhenLeaves,
+                changes);
+        setBoolean(command, "chequeFirstBookFree", ext::getChequeFirstBookFree, ext::setChequeFirstBookFree, changes);
+        setInteger(command, "chequeFreeBooksPerYear", ext::getChequeFreeBooksPerYear, ext::setChequeFreeBooksPerYear,
+                changes);
+        setString(command, "chequeNamePrinted", ext::getChequeNamePrinted, ext::setChequeNamePrinted, changes);
+        setString(command, "chequePrintDescription", ext::getChequePrintDescription, ext::setChequePrintDescription,
+                changes);
+        setBoolean(command, "chequeStopPaymentAllowed", ext::getChequeStopPaymentAllowed,
+                ext::setChequeStopPaymentAllowed, changes);
+        setBoolean(command, "chequeMaintainStockRegister", ext::getChequeMaintainStockRegister,
+                ext::setChequeMaintainStockRegister, changes);
+        setBoolean(command, "chequeAllowWithdrawalSlip", ext::getChequeAllowWithdrawalSlip,
+                ext::setChequeAllowWithdrawalSlip, changes);
+        setBoolean(command, "chequeBlockNpa", ext::getChequeBlockNpa, ext::setChequeBlockNpa, changes);
+        setBoolean(command, "chequeBlockLimitExpired", ext::getChequeBlockLimitExpired, ext::setChequeBlockLimitExpired,
+                changes);
+        setBoolean(command, "chequeBlockOverDp", ext::getChequeBlockOverDp, ext::setChequeBlockOverDp, changes);
+        setBoolean(command, "chequeBlockFrozen", ext::getChequeBlockFrozen, ext::setChequeBlockFrozen, changes);
+        setBoolean(command, "chequeBlockLienReleased", ext::getChequeBlockLienReleased, ext::setChequeBlockLienReleased,
+                changes);
+        // Loans A/C (EMI) wizard fields
+        setString(command, "securityMandatory", ext::getSecurityMandatory, ext::setSecurityMandatory, changes);
+        setInteger(command, "guarantorsRequired", ext::getGuarantorsRequired, ext::setGuarantorsRequired, changes);
+        setString(command, "coApplicant", ext::getCoApplicant, ext::setCoApplicant, changes);
+        setString(command, "thirdPartySecurity", ext::getThirdPartySecurity, ext::setThirdPartySecurity, changes);
+        setBoolean(command, "legalOpinionRequired", ext::getLegalOpinionRequired, ext::setLegalOpinionRequired, changes);
+        setBoolean(command, "propertyInsuranceRequired", ext::getPropertyInsuranceRequired, ext::setPropertyInsuranceRequired, changes);
+        setBoolean(command, "registerCharge", ext::getRegisterCharge, ext::setRegisterCharge, changes);
+        setBoolean(command, "releaseSecurityOnClosure", ext::getReleaseSecurityOnClosure, ext::setReleaseSecurityOnClosure, changes);
+        setBoolean(command, "allowMultipleSecurities", ext::getAllowMultipleSecurities, ext::setAllowMultipleSecurities, changes);
+        setBoolean(command, "allowThirdPartyDeposit", ext::getAllowThirdPartyDeposit, ext::setAllowThirdPartyDeposit, changes);
+        setInteger(command, "minAge", ext::getMinAge, ext::setMinAge, changes);
+        setInteger(command, "maxAgeAtMaturity", ext::getMaxAgeAtMaturity, ext::setMaxAgeAtMaturity, changes);
+        setInteger(command, "minCibil", ext::getMinCibil, ext::setMinCibil, changes);
+        setDecimal(command, "minMonthlyIncome", ext::getMinMonthlyIncome, ext::setMinMonthlyIncome, changes);
+        setDecimal(command, "maxFoir", ext::getMaxFoir, ext::setMaxFoir, changes);
+        setInteger(command, "maxLoansPerCustomer", ext::getMaxLoansPerCustomer, ext::setMaxLoansPerCustomer, changes);
+        setString(command, "disbursementType", ext::getDisbursementType, ext::setDisbursementType, changes);
+        setString(command, "disbursementMode", ext::getDisbursementMode, ext::setDisbursementMode, changes);
+        setString(command, "undisbursedInterest", ext::getUndisbursedInterest, ext::setUndisbursedInterest, changes);
+        setBoolean(command, "preEmiInterest", ext::getPreEmiInterest, ext::setPreEmiInterest, changes);
+        setString(command, "emiDueDay", ext::getEmiDueDay, ext::setEmiDueDay, changes);
+        setString(command, "holidayRule", ext::getHolidayRule, ext::setHolidayRule, changes);
+        setInteger(command, "moratoriumMonths", ext::getMoratoriumMonths, ext::setMoratoriumMonths, changes);
+        setString(command, "moratoriumInterest", ext::getMoratoriumInterest, ext::setMoratoriumInterest, changes);
+        setBoolean(command, "variableInstallments", ext::getVariableInstallments, ext::setVariableInstallments, changes);
+        setString(command, "repaymentMode", ext::getRepaymentMode, ext::setRepaymentMode, changes);
+        setString(command, "linkedAccountType", ext::getLinkedAccountType, ext::setLinkedAccountType, changes);
+        setString(command, "pdcCollection", ext::getPdcCollection, ext::setPdcCollection, changes);
+        setBoolean(command, "mandateRequired", ext::getMandateRequired, ext::setMandateRequired, changes);
+        setString(command, "advanceEmi", ext::getAdvanceEmi, ext::setAdvanceEmi, changes);
+        setString(command, "rateType", ext::getRateType, ext::setRateType, changes);
+        setString(command, "registerParticular", ext::getRegisterParticular, ext::setRegisterParticular, changes);
+        setBoolean(command, "applyCibilAdjustment", ext::getApplyCibilAdjustment, ext::setApplyCibilAdjustment, changes);
+        setString(command, "rateResolvedAt", ext::getRateResolvedAt, ext::setRateResolvedAt, changes);
+        setString(command, "calcPeriod", ext::getCalcPeriod, ext::setCalcPeriod, changes);
+        setString(command, "interestStartsFrom", ext::getInterestStartsFrom, ext::setInterestStartsFrom, changes);
+        setString(command, "compounding", ext::getCompounding, ext::setCompounding, changes);
+        setString(command, "benchmark", ext::getBenchmark, ext::setBenchmark, changes);
+        setString(command, "resetFrequency", ext::getResetFrequency, ext::setResetFrequency, changes);
+        setString(command, "resetChange", ext::getResetChange, ext::setResetChange, changes);
+        setBoolean(command, "partPrepaymentAllowed", ext::getPartPrepaymentAllowed, ext::setPartPrepaymentAllowed, changes);
+        setDecimal(command, "minPartPayment", ext::getMinPartPayment, ext::setMinPartPayment, changes);
+        setString(command, "allowedOn", ext::getAllowedOn, ext::setAllowedOn, changes);
+        setString(command, "partPaymentsPerYear", ext::getPartPaymentsPerYear, ext::setPartPaymentsPerYear, changes);
+        setString(command, "partPrepaymentMode", ext::getPartPrepaymentMode, ext::setPartPrepaymentMode, changes);
+        setDecimal(command, "foreclosureFloatingIndividual", ext::getForeclosureFloatingIndividual, ext::setForeclosureFloatingIndividual, changes);
+        setDecimal(command, "foreclosureFixedIndividual", ext::getForeclosureFixedIndividual, ext::setForeclosureFixedIndividual, changes);
+        setDecimal(command, "foreclosureNonIndividual", ext::getForeclosureNonIndividual, ext::setForeclosureNonIndividual, changes);
+        setDecimal(command, "foreclosureTakeover", ext::getForeclosureTakeover, ext::setForeclosureTakeover, changes);
+        setInteger(command, "foreclosureQuoteValidDays", ext::getForeclosureQuoteValidDays, ext::setForeclosureQuoteValidDays, changes);
+        setBoolean(command, "autoCloseOnZeroBalance", ext::getAutoCloseOnZeroBalance, ext::setAutoCloseOnZeroBalance, changes);
+        setString(command, "nocLetter", ext::getNocLetter, ext::setNocLetter, changes);
+        setString(command, "restructuring", ext::getRestructuring, ext::setRestructuring, changes);
+        setBoolean(command, "releaseCollateralOnClosure", ext::getReleaseCollateralOnClosure, ext::setReleaseCollateralOnClosure, changes);
+        setBoolean(command, "topUpAllowed", ext::getTopUpAllowed, ext::setTopUpAllowed, changes);
+        setBoolean(command, "balanceTransferOutAllowed", ext::getBalanceTransferOutAllowed, ext::setBalanceTransferOutAllowed, changes);
+    }
+
+    // ---- typed setters: only write params that are present, and only report real changes ----------
+
+    private interface Getter<T> {
+
+        T get();
+    }
+
+    private interface Ser<T> {
+
+        void set(T value);
+    }
+
+    private <T> void putIfChanged(final String param, final T oldValue, final T newValue, final Ser<T> setter,
+            final Map<String, Object> changes) {
+        if (differs(oldValue, newValue)) {
+            setter.set(newValue);
+            changes.put(param, newValue);
+        }
+    }
+
+    private void setString(final JsonCommand command, final String param, final Getter<String> getter,
+            final Ser<String> setter, final Map<String, Object> changes) {
+        if (command.parameterExists(param)) {
+            putIfChanged(param, getter.get(), command.stringValueOfParameterNamedAllowingNull(param), setter, changes);
+        }
+    }
+
+    private void setLong(final JsonCommand command, final String param, final Getter<Long> getter,
+            final Ser<Long> setter, final Map<String, Object> changes) {
+        if (command.parameterExists(param)) {
+            putIfChanged(param, getter.get(), command.longValueOfParameterNamed(param), setter, changes);
+        }
+    }
+
+    private void setInteger(final JsonCommand command, final String param, final Getter<Integer> getter,
+            final Ser<Integer> setter, final Map<String, Object> changes) {
+        if (command.parameterExists(param)) {
+            putIfChanged(param, getter.get(), command.integerValueOfParameterNamed(param), setter, changes);
+        }
+    }
+
+    private void setDecimal(final JsonCommand command, final String param, final Getter<BigDecimal> getter,
+            final Ser<BigDecimal> setter, final Map<String, Object> changes) {
+        if (command.parameterExists(param)) {
+            putIfChanged(param, getter.get(), command.bigDecimalValueOfParameterNamed(param), setter, changes);
+        }
+    }
+
+    /**
+     * The form stores its yes/no dropdowns as the strings "YES"/"NO" and its checkboxes as real booleans;
+     * accept both shapes so a "NO" is not silently read as null.
+     */
+    private void setBoolean(final JsonCommand command, final String param, final Getter<Boolean> getter,
+            final Ser<Boolean> setter, final Map<String, Object> changes) {
+        if (command.parameterExists(param)) {
+            putIfChanged(param, getter.get(), asBoolean(command.jsonElement(param)), setter, changes);
+        }
+    }
+
+    private static Boolean asBoolean(final JsonElement element) {
+        if (element == null || element.isJsonNull() || !element.isJsonPrimitive()) {
+            return null;
+        }
+        if (element.getAsJsonPrimitive().isBoolean()) {
+            return element.getAsBoolean();
+        }
+        final String raw = element.getAsString();
+        if (raw == null || raw.isBlank()) {
+            return null;
+        }
+        return "true".equalsIgnoreCase(raw) || "yes".equalsIgnoreCase(raw) || "1".equals(raw);
+    }
+
+    /** BigDecimal.equals compares scale, so 2.0 vs 2.00 would read as a change; compareTo does not. */
+    private static boolean differs(final Object oldValue, final Object newValue) {
+        if (oldValue instanceof BigDecimal a && newValue instanceof BigDecimal b) {
+            return a.compareTo(b) != 0;
+        }
+        return !Objects.equals(oldValue, newValue);
+    }
+
+    private static Map<String, Object> toMap(final LoanProductAdvanceExt ext) {
+        final Map<String, Object> map = new LinkedHashMap<>();
+        map.put("productTypeGroup", ext.getProductTypeGroup());
+        map.put("productTypeSubGroup", ext.getProductTypeSubGroup());
+        map.put("glAccount", ext.getGlAccountId());
+        map.put("loanProductCategory", ext.getLoanProductCategory());
+        map.put("prioritySector", ext.getPrioritySector());
+        map.put("cibilAccountType", ext.getCibilAccountType());
+        map.put("kfsEnabled", ext.getKfsEnabled());
+        map.put("aprEnabled", ext.getAprEnabled());
+        map.put("facilityType", ext.getFacilityType());
+        map.put("securityType", ext.getSecurityType());
+        map.put("chargeType", ext.getChargeType());
+        map.put("eligibleAmountBasis", ext.getEligibleAmountBasis());
+        map.put("margin", ext.getMarginPct());
+        map.put("ltv", ext.getLtvPct());
+        map.put("dpMethod", ext.getDpMethod());
+        map.put("lienRequired", ext.getLienRequired());
+        map.put("lienMarkingStage", ext.getLienMarkingStage());
+        map.put("lienCertificateRequired", ext.getLienCertificateRequired());
+        map.put("lienCertificatePrefix", ext.getLienCertificatePrefix());
+        map.put("printCertificateOnDisbursement", ext.getPrintCertificateOnDisbursement());
+        map.put("interestBasis", ext.getInterestBasis());
+        map.put("spread", ext.getSpreadPct());
+        map.put("interestChargedOn", ext.getInterestChargedOn());
+        map.put("interestPostingFrequency", ext.getInterestPostingFrequency());
+        map.put("penalApplicable", ext.getPenalApplicable());
+        map.put("penalRate", ext.getPenalRatePct());
+        map.put("penalAppliedOn", ext.getPenalAppliedOn());
+        map.put("penalGraceDays", ext.getPenalGraceDays());
+        map.put("npaTrigger", ext.getNpaTrigger());
+        map.put("interestAfterNpa", ext.getInterestAfterNpa());
+        map.put("undebitedInterestGlId", ext.getUndebitedInterestGlId());
+        map.put("renewalAllowed", ext.getRenewalAllowed());
+        map.put("renewalPeriodMonths", ext.getRenewalPeriodMonths());
+        map.put("renewalGraceDays", ext.getRenewalGraceDays());
+        map.put("preclosureAllowed", ext.getPreclosureAllowed());
+        map.put("lockInMonths", ext.getLockInMonths());
+        map.put("interestOnPreclosure", ext.getInterestOnPreclosure());
+        map.put("revaluationFreqMonths", ext.getRevaluationFreqMonths());
+        map.put("insuranceRequired", ext.getInsuranceRequired());
+        map.put("stockStatementFreqMonths", ext.getStockStatementFreqMonths());
+        map.put("chequeBookEnabled", ext.getChequeBookEnabled());
+        map.put("chequeType", ext.getChequeType());
+        map.put("defaultChequeBookSize", ext.getDefaultChequeBookSize());
+        map.put("ppsThreshold", ext.getPpsThreshold());
+        map.put("ppsMandatoryAbove", ext.getPpsMandatoryAbove());
+        map.put("shareCapitalGl", ext.getShareCapitalGlId());
+        map.put("eligibleDepositProducts", ext.getEligibleDepositProducts());
+        map.put("lienTenureNotExceedMaturity", ext.getLienTenureNotExceedMaturity());
+        map.put("lienAutoReleaseOnClosure", ext.getLienAutoReleaseOnClosure());
+        map.put("lienAllowMultipleDeposits", ext.getLienAllowMultipleDeposits());
+        map.put("lienAdjustFromMaturity", ext.getLienAdjustFromMaturity());
+        map.put("lienAllowThirdParty", ext.getLienAllowThirdParty());
+        map.put("lienAllowRenewalUnderLien", ext.getLienAllowRenewalUnderLien());
+        map.put("repaymentType", ext.getRepaymentType());
+        map.put("appropriationOrder", ext.getAppropriationOrder());
+        map.put("debitBalanceAllow", ext.getDebitBalanceAllow());
+        map.put("allowDebitAfterDueDate", ext.getAllowDebitAfterDueDate());
+        map.put("branchLevelAccountType", ext.getBranchLevelAccountType());
+        map.put("interestCalcMethod", ext.getInterestCalcMethod());
+        map.put("interestOnCreditBalance", ext.getInterestOnCreditBalance());
+        map.put("interestPostingDay", ext.getInterestPostingDay());
+        map.put("npaUpgradeOnlyAllArrears", ext.getNpaUpgradeOnlyAllArrears());
+        map.put("npaKeepStandardIfDepositCovers", ext.getNpaKeepStandardIfDepositCovers());
+        map.put("chequeBookSizes", ext.getChequeBookSizes());
+        map.put("chequeMaxBooksOutstanding", ext.getChequeMaxBooksOutstanding());
+        map.put("chequeReissueWhenLeaves", ext.getChequeReissueWhenLeaves());
+        map.put("chequeFirstBookFree", ext.getChequeFirstBookFree());
+        map.put("chequeFreeBooksPerYear", ext.getChequeFreeBooksPerYear());
+        map.put("chequeNamePrinted", ext.getChequeNamePrinted());
+        map.put("chequePrintDescription", ext.getChequePrintDescription());
+        map.put("chequeStopPaymentAllowed", ext.getChequeStopPaymentAllowed());
+        map.put("chequeMaintainStockRegister", ext.getChequeMaintainStockRegister());
+        map.put("chequeAllowWithdrawalSlip", ext.getChequeAllowWithdrawalSlip());
+        map.put("chequeBlockNpa", ext.getChequeBlockNpa());
+        map.put("chequeBlockLimitExpired", ext.getChequeBlockLimitExpired());
+        map.put("chequeBlockOverDp", ext.getChequeBlockOverDp());
+        map.put("chequeBlockFrozen", ext.getChequeBlockFrozen());
+        map.put("chequeBlockLienReleased", ext.getChequeBlockLienReleased());
+        // Loans A/C (EMI) wizard fields
+        map.put("securityMandatory", ext.getSecurityMandatory());
+        map.put("guarantorsRequired", ext.getGuarantorsRequired());
+        map.put("coApplicant", ext.getCoApplicant());
+        map.put("thirdPartySecurity", ext.getThirdPartySecurity());
+        map.put("legalOpinionRequired", ext.getLegalOpinionRequired());
+        map.put("propertyInsuranceRequired", ext.getPropertyInsuranceRequired());
+        map.put("registerCharge", ext.getRegisterCharge());
+        map.put("releaseSecurityOnClosure", ext.getReleaseSecurityOnClosure());
+        map.put("allowMultipleSecurities", ext.getAllowMultipleSecurities());
+        map.put("allowThirdPartyDeposit", ext.getAllowThirdPartyDeposit());
+        map.put("minAge", ext.getMinAge());
+        map.put("maxAgeAtMaturity", ext.getMaxAgeAtMaturity());
+        map.put("minCibil", ext.getMinCibil());
+        map.put("minMonthlyIncome", ext.getMinMonthlyIncome());
+        map.put("maxFoir", ext.getMaxFoir());
+        map.put("maxLoansPerCustomer", ext.getMaxLoansPerCustomer());
+        map.put("disbursementType", ext.getDisbursementType());
+        map.put("disbursementMode", ext.getDisbursementMode());
+        map.put("undisbursedInterest", ext.getUndisbursedInterest());
+        map.put("preEmiInterest", ext.getPreEmiInterest());
+        map.put("emiDueDay", ext.getEmiDueDay());
+        map.put("holidayRule", ext.getHolidayRule());
+        map.put("moratoriumMonths", ext.getMoratoriumMonths());
+        map.put("moratoriumInterest", ext.getMoratoriumInterest());
+        map.put("variableInstallments", ext.getVariableInstallments());
+        map.put("repaymentMode", ext.getRepaymentMode());
+        map.put("linkedAccountType", ext.getLinkedAccountType());
+        map.put("pdcCollection", ext.getPdcCollection());
+        map.put("mandateRequired", ext.getMandateRequired());
+        map.put("advanceEmi", ext.getAdvanceEmi());
+        map.put("rateType", ext.getRateType());
+        map.put("registerParticular", ext.getRegisterParticular());
+        map.put("applyCibilAdjustment", ext.getApplyCibilAdjustment());
+        map.put("rateResolvedAt", ext.getRateResolvedAt());
+        map.put("calcPeriod", ext.getCalcPeriod());
+        map.put("interestStartsFrom", ext.getInterestStartsFrom());
+        map.put("compounding", ext.getCompounding());
+        map.put("benchmark", ext.getBenchmark());
+        map.put("resetFrequency", ext.getResetFrequency());
+        map.put("resetChange", ext.getResetChange());
+        map.put("partPrepaymentAllowed", ext.getPartPrepaymentAllowed());
+        map.put("minPartPayment", ext.getMinPartPayment());
+        map.put("allowedOn", ext.getAllowedOn());
+        map.put("partPaymentsPerYear", ext.getPartPaymentsPerYear());
+        map.put("partPrepaymentMode", ext.getPartPrepaymentMode());
+        map.put("foreclosureFloatingIndividual", ext.getForeclosureFloatingIndividual());
+        map.put("foreclosureFixedIndividual", ext.getForeclosureFixedIndividual());
+        map.put("foreclosureNonIndividual", ext.getForeclosureNonIndividual());
+        map.put("foreclosureTakeover", ext.getForeclosureTakeover());
+        map.put("foreclosureQuoteValidDays", ext.getForeclosureQuoteValidDays());
+        map.put("autoCloseOnZeroBalance", ext.getAutoCloseOnZeroBalance());
+        map.put("nocLetter", ext.getNocLetter());
+        map.put("restructuring", ext.getRestructuring());
+        map.put("releaseCollateralOnClosure", ext.getReleaseCollateralOnClosure());
+        map.put("topUpAllowed", ext.getTopUpAllowed());
+        map.put("balanceTransferOutAllowed", ext.getBalanceTransferOutAllowed());
+        return map;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanProductWritePlatformServiceJpaRepositoryImpl.java

@@ -97,6 +97,8 @@ public class LoanProductWritePlatformServiceJpaRepositoryImpl implements LoanPro
     private final CreditAllocationsJsonParser creditAllocationsJsonParser;
     private final LoanProductAssembler loanProductAssembler;
     private final LoanProductUpdateUtil loanProductUpdateUtil;
+    // "Advances A/C" satellite fields (security, lien, renewal, npa, cheque book) that m_product_loan has no home for.
+    private final LoanProductAdvanceExtService loanProductAdvanceExtService;
     private final LoanProductPaymentAllocationRuleMerger loanProductPaymentAllocationRuleMerger = new LoanProductPaymentAllocationRuleMerger();
     private final LoanProductCreditAllocationRuleMerger loanProductCreditAllocationRuleMerger = new LoanProductCreditAllocationRuleMerger();
 
@@ -141,6 +143,10 @@ public class LoanProductWritePlatformServiceJpaRepositoryImpl implements LoanPro
 
             this.loanProductRepository.saveAndFlush(loanProduct);
 
+            // "Advances A/C" satellite fields, keyed on the product's generated id. A standard product carries
+            // none of these parameters and writes no row. Same transaction: a failure rolls the product back.
+            this.loanProductAdvanceExtService.saveOrUpdate(loanProduct, command);
+
             // save accounting mappings
             this.accountMappingWritePlatformService.createLoanProductToGLAccountMapping(loanProduct.getId(), command);
             // check if the office specific products are enabled. If yes, then
@@ -303,6 +309,11 @@ public class LoanProductWritePlatformServiceJpaRepositoryImpl implements LoanPro
                 this.loanProductRepository.saveAndFlush(product);
             }
 
+            // "Advances A/C" satellite fields. Outside the changes check above (those track only the standard
+            // product columns) so an edit that touched only an advance field is still saved, and its per-field
+            // diff is folded into the same audit changes map.
+            changes.putAll(this.loanProductAdvanceExtService.saveOrUpdate(product, command));
+
             return new CommandProcessingResultBuilder() //
                     .withCommandId(command.commandId()) //
                     .withEntityId(loanProductId) //

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanRateRegisterReadPlatformService.java

@@ -0,0 +1,28 @@
+/**
+ * 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.service;
+
+import java.util.List;
+import java.util.Optional;
+import org.apache.fineract.portfolio.loanproduct.data.LoanRateRegisterData;
+import org.apache.fineract.portfolio.loanproduct.data.LoanRateRegisterProductData;
+
+public interface LoanRateRegisterReadPlatformService {
+
+    /** All versions, newest-effective first — the Version History accordion feeds off this. */
+    List<LoanRateRegisterData> retrieveAll();
+
+    /** The current active version, assembled with its chart cells + CIBIL bands. */
+    Optional<LoanRateRegisterData> retrieveActive();
+
+    /** A specific version by id. */
+    Optional<LoanRateRegisterData> retrieveById(Long id);
+
+    /** Master list of particulars (loan types) that make up the chart rows, in chart order. */
+    List<LoanRateRegisterProductData> retrieveProducts();
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanRateRegisterReadPlatformServiceImpl.java

@@ -0,0 +1,130 @@
+/**
+ * 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.service;
+
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Optional;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.portfolio.loanproduct.data.LoanRateRegisterCibilSlabData;
+import org.apache.fineract.portfolio.loanproduct.data.LoanRateRegisterData;
+import org.apache.fineract.portfolio.loanproduct.data.LoanRateRegisterProductData;
+import org.apache.fineract.portfolio.loanproduct.data.LoanRateRegisterSlabData;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterCibilSlab;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterCibilSlabRepository;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterEffective;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterEffectiveRepository;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterProduct;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterProductRepository;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterSlabHistory;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterSlabHistoryRepository;
+import org.springframework.stereotype.Service;
+
+/**
+ * Assembles {@link LoanRateRegisterData} responses by joining the three physical tables. Kept
+ * read-only — all writes go through {@link LoanRateRegisterWritePlatformService}.
+ */
+@Service
+@RequiredArgsConstructor
+public class LoanRateRegisterReadPlatformServiceImpl implements LoanRateRegisterReadPlatformService {
+
+    private final LoanRateRegisterEffectiveRepository effectiveRepository;
+    private final LoanRateRegisterSlabHistoryRepository slabRepository;
+    private final LoanRateRegisterCibilSlabRepository cibilRepository;
+    private final LoanRateRegisterProductRepository productRepository;
+
+    @Override
+    public List<LoanRateRegisterProductData> retrieveProducts() {
+        final List<LoanRateRegisterProduct> products = this.productRepository.findByIsActiveTrueOrderBySrNoAsc();
+        final List<LoanRateRegisterProductData> out = new ArrayList<>(products.size());
+        for (final LoanRateRegisterProduct p : products) {
+            out.add(LoanRateRegisterProductData.builder()
+                    .id(p.getId())
+                    .srNo(p.getSrNo())
+                    .name(p.getName())
+                    .glAccountId(p.getGlAccountId())
+                    .isActive(p.getIsActive())
+                    .build());
+        }
+        return out;
+    }
+
+    @Override
+    public List<LoanRateRegisterData> retrieveAll() {
+        final List<LoanRateRegisterEffective> versions = this.effectiveRepository.findAllByOrderByEffectiveFromDateDesc();
+        final List<LoanRateRegisterData> out = new ArrayList<>(versions.size());
+        for (final LoanRateRegisterEffective v : versions) {
+            out.add(assemble(v));
+        }
+        return out;
+    }
+
+    @Override
+    public Optional<LoanRateRegisterData> retrieveActive() {
+        return this.effectiveRepository.findFirstByIsActiveTrueOrderByEffectiveFromDateDesc().map(this::assemble);
+    }
+
+    @Override
+    public Optional<LoanRateRegisterData> retrieveById(final Long id) {
+        return this.effectiveRepository.findById(id).map(this::assemble);
+    }
+
+    /** Build the full response for one effective version — header + its chart cells + its CIBIL bands. */
+    private LoanRateRegisterData assemble(final LoanRateRegisterEffective v) {
+        final List<LoanRateRegisterSlabHistory> cells = this.slabRepository
+                .findByEffectiveIdOrderByProductSrNoAscSlabOrderAsc(v.getId());
+        final List<LoanRateRegisterCibilSlab> bands = this.cibilRepository
+                .findByEffectiveIdOrderByDisplayOrderAsc(v.getId());
+
+        final List<LoanRateRegisterSlabData> slabData = new ArrayList<>(cells.size());
+        for (final LoanRateRegisterSlabHistory c : cells) {
+            slabData.add(LoanRateRegisterSlabData.builder()
+                    .id(c.getId())
+                    .productId(c.getProductId())
+                    .productSrNo(c.getProductSrNo())
+                    .productName(c.getProductName())
+                    .slabOrder(c.getSlabOrder())
+                    .slabLabel(c.getSlabLabel())
+                    .amountUpto(c.getAmountUpto())
+                    .rateValue(c.getRateValue())
+                    .rateFormula(c.getRateFormula())
+                    .isFormula(c.getIsFormula())
+                    .isNa(c.getIsNa())
+                    .build());
+        }
+
+        final List<LoanRateRegisterCibilSlabData> cibilData = new ArrayList<>(bands.size());
+        for (final LoanRateRegisterCibilSlab b : bands) {
+            cibilData.add(LoanRateRegisterCibilSlabData.builder()
+                    .id(b.getId())
+                    .scoreFrom(b.getScoreFrom())
+                    .scoreTo(b.getScoreTo())
+                    .tier(b.getTier())
+                    .slabType(b.getSlabType())
+                    .adjustmentPct(b.getAdjustmentPct())
+                    .displayOrder(b.getDisplayOrder())
+                    .build());
+        }
+
+        return LoanRateRegisterData.builder()
+                .id(v.getId())
+                .name(v.getName())
+                .effectiveFromDate(v.getEffectiveFromDate())
+                .effectiveToDate(v.getEffectiveToDate())
+                .currencyCode(v.getCurrencyCode())
+                .isActive(v.getIsActive())
+                .fallbackNoCibilSlab(v.getFallbackNoCibilSlab())
+                .fallbackBelowMin(v.getFallbackBelowMin())
+                .note(v.getNote())
+                .createdById(v.getCreatedById())
+                .createdDate(v.getCreatedDate())
+                .slabs(slabData)
+                .cibilSlabs(cibilData)
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanRateRegisterWritePlatformService.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.service;
+
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+
+public interface LoanRateRegisterWritePlatformService {
+
+    /** Save a new version of the loan interest rate register (maker-checker gated upstream). */
+    CommandProcessingResult saveRateRegister(JsonCommand command);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/service/LoanRateRegisterWritePlatformServiceImpl.java

@@ -0,0 +1,200 @@
+/**
+ * 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.service;
+
+import com.google.gson.Gson;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.LocalDateTime;
+import java.util.ArrayList;
+import java.util.HashMap;
+import java.util.LinkedHashSet;
+import java.util.List;
+import java.util.Map;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountRepositoryWrapper;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.infrastructure.core.data.ApiParameterError;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.core.exception.PlatformApiDataValidationException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.loanproduct.api.LoanRateRegisterSaveRequest;
+import org.apache.fineract.portfolio.loanproduct.api.LoanRateRegisterSaveRequest.CibilSlabRequest;
+import org.apache.fineract.portfolio.loanproduct.api.LoanRateRegisterSaveRequest.ProductRequest;
+import org.apache.fineract.portfolio.loanproduct.api.LoanRateRegisterSaveRequest.SlabRequest;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterCibilSlab;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterCibilSlabRepository;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterEffective;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterEffectiveRepository;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterProduct;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterProductRepository;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterSlabHistory;
+import org.apache.fineract.portfolio.loanproduct.domain.LoanRateRegisterSlabHistoryRepository;
+import org.apache.fineract.portfolio.loanproduct.serialization.LoanRateRegisterDataValidator;
+import org.springframework.stereotype.Service;
+
+/**
+ * Persists a new effective version of the Loan Interest Rate Register. Called from the command
+ * handler, which Fineract routes to only AFTER a checker has approved the maker's submission. The
+ * whole save runs inside one transaction: previous active deactivated → new effective inserted →
+ * all chart cells + CIBIL bands inserted. Any failure rolls everything back.
+ */
+@Service
+@RequiredArgsConstructor
+public class LoanRateRegisterWritePlatformServiceImpl implements LoanRateRegisterWritePlatformService {
+
+    private final PlatformSecurityContext context;
+    private final LoanRateRegisterDataValidator validator;
+    private final LoanRateRegisterEffectiveRepository effectiveRepository;
+    private final LoanRateRegisterSlabHistoryRepository slabRepository;
+    private final LoanRateRegisterCibilSlabRepository cibilRepository;
+    private final LoanRateRegisterProductRepository productRepository;
+    private final GLAccountRepositoryWrapper glAccountRepositoryWrapper;
+    private final Gson gson = new Gson();
+
+    @Override
+    public CommandProcessingResult saveRateRegister(final JsonCommand command) {
+        final LoanRateRegisterSaveRequest req = gson.fromJson(command.json(), LoanRateRegisterSaveRequest.class);
+        this.validator.validate(req);
+
+        final Long createdById = this.context.authenticatedUser().getId();
+        final LocalDate today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+        final LocalDate effectiveFrom = parseDateOrToday(req.getEffectiveFromDate(), today);
+
+        // 0) Upsert the particulars master first, so a missing GL on a new product fails the whole
+        //    save before any version row is touched. Returns srNo -> master row for the cells below.
+        final Map<Integer, LoanRateRegisterProduct> productsBySrNo = upsertProducts(req);
+
+        // 1) Deactivate the currently-active version (if any).
+        final List<LoanRateRegisterEffective> active = this.effectiveRepository.findByIsActiveTrueOrderByEffectiveFromDateDesc();
+        for (final LoanRateRegisterEffective prior : active) {
+            prior.deactivate(today);
+        }
+        if (!active.isEmpty()) {
+            this.effectiveRepository.saveAll(active);
+        }
+
+        // 2) Insert the new effective row. saveAndFlush ensures Hibernate executes the INSERT
+        //    immediately so the auto-generated id is populated before we use it as the FK on the
+        //    child slab/CIBIL rows (same pattern as FD side's FdBaseInterestRateReadPlatformServiceImpl).
+        final LoanRateRegisterEffective fresh = LoanRateRegisterEffective.create(req.getName(), effectiveFrom,
+                req.getCurrencyCode(), req.getFallbackNoCibilSlab(), req.getFallbackBelowMin(), req.getNote(), createdById);
+        final LoanRateRegisterEffective saved = this.effectiveRepository.saveAndFlush(fresh);
+        final Long versionId = saved.getId();
+
+        // 3) Insert all chart cells for this version.
+        final List<LoanRateRegisterSlabHistory> cells = new ArrayList<>(req.getSlabs().size());
+        for (final SlabRequest s : req.getSlabs()) {
+            final Long productId = productsBySrNo.get(s.getProductSrNo()).getId();
+            cells.add(LoanRateRegisterSlabHistory.create(versionId, productId, s.getProductSrNo(), s.getProductName(),
+                    s.getSlabOrder(), s.getSlabLabel(), s.getAmountUpto(), s.getRateValue(), s.getRateFormula(),
+                    Boolean.TRUE.equals(s.getIsFormula()), Boolean.TRUE.equals(s.getIsNa())));
+        }
+        this.slabRepository.saveAll(cells);
+
+        // 4) Insert all CIBIL bands for this version.
+        final List<LoanRateRegisterCibilSlab> bands = new ArrayList<>(req.getCibilSlabs().size());
+        for (final CibilSlabRequest c : req.getCibilSlabs()) {
+            bands.add(LoanRateRegisterCibilSlab.create(versionId, c.getScoreFrom(), c.getScoreTo(), c.getTier(),
+                    c.getSlabType(), c.getAdjustmentPct(), c.getDisplayOrder()));
+        }
+        this.cibilRepository.saveAll(bands);
+
+        return new CommandProcessingResultBuilder()
+                .withCommandId(command.commandId())
+                .withEntityId(versionId)
+                .build();
+    }
+
+    /**
+     * Makes sure every particular used by the submitted chart exists in the master. A particular not
+     * yet in the master is created and must carry a valid GL account; for an existing one a changed
+     * GL or name is applied. A particular that still has no GL after this (seeded rows the bank has
+     * not mapped yet) rejects the whole save.
+     */
+    private Map<Integer, LoanRateRegisterProduct> upsertProducts(final LoanRateRegisterSaveRequest req) {
+        final Map<Integer, LoanRateRegisterProduct> bySrNo = new HashMap<>();
+        for (final LoanRateRegisterProduct p : this.productRepository.findAll()) {
+            bySrNo.put(p.getSrNo(), p);
+        }
+        final Map<Integer, ProductRequest> requested = new HashMap<>();
+        if (req.getProducts() != null) {
+            for (final ProductRequest pr : req.getProducts()) {
+                requested.put(pr.getSrNo(), pr);
+            }
+        }
+        // Every srNo the chart uses, with a label taken from the first cell that mentions it.
+        final Set<Integer> used = new LinkedHashSet<>();
+        final Map<Integer, String> cellLabel = new HashMap<>();
+        for (final SlabRequest s : req.getSlabs()) {
+            used.add(s.getProductSrNo());
+            cellLabel.putIfAbsent(s.getProductSrNo(), s.getProductName());
+        }
+
+        final List<ApiParameterError> errors = new ArrayList<>();
+        final List<LoanRateRegisterProduct> toSave = new ArrayList<>();
+        for (final Integer srNo : used) {
+            final ProductRequest pr = requested.get(srNo);
+            LoanRateRegisterProduct existing = bySrNo.get(srNo);
+            final String name = pr != null && pr.getName() != null && !pr.getName().isBlank() ? pr.getName() : cellLabel.get(srNo);
+            if (existing == null) {
+                if (pr == null || pr.getGlAccountId() == null) {
+                    errors.add(ApiParameterError.parameterError("validation.loanRateRegister.product.gl.required",
+                            "New product '" + name + "' (Sr. " + srNo + ") needs a GL account", "products[" + srNo + "].glAccountId"));
+                    continue;
+                }
+                this.glAccountRepositoryWrapper.findOneWithNotFoundDetection(pr.getGlAccountId());
+                existing = new LoanRateRegisterProduct();
+                existing.setSrNo(srNo);
+                existing.setName(name);
+                existing.setGlAccountId(pr.getGlAccountId());
+                existing.setIsActive(true);
+                existing.setCreatedDate(LocalDateTime.now(DateUtils.getDateTimeZoneOfTenant()));
+                toSave.add(existing);
+            } else if (pr != null) {
+                boolean changed = false;
+                if (pr.getGlAccountId() != null && !pr.getGlAccountId().equals(existing.getGlAccountId())) {
+                    this.glAccountRepositoryWrapper.findOneWithNotFoundDetection(pr.getGlAccountId());
+                    existing.setGlAccountId(pr.getGlAccountId());
+                    changed = true;
+                }
+                if (name != null && !name.equals(existing.getName())) {
+                    existing.setName(name);
+                    changed = true;
+                }
+                if (changed) {
+                    toSave.add(existing);
+                }
+            }
+            // Every particular in a submitted chart must end up with a GL, including the seeded ones.
+            if (existing.getGlAccountId() == null) {
+                errors.add(ApiParameterError.parameterError("validation.loanRateRegister.product.gl.required",
+                        "Product '" + existing.getName() + "' (Sr. " + srNo + ") needs a GL account", "products[" + srNo + "].glAccountId"));
+                continue;
+            }
+            bySrNo.put(srNo, existing);
+        }
+        if (!errors.isEmpty()) {
+            throw new PlatformApiDataValidationException("validation.msg.loanRateRegister.failed", "Validation errors exist.", errors);
+        }
+        for (final LoanRateRegisterProduct p : this.productRepository.saveAllAndFlush(toSave)) {
+            bySrNo.put(p.getSrNo(), p);
+        }
+        return bySrNo;
+    }
+
+    private static LocalDate parseDateOrToday(final String iso, final LocalDate today) {
+        if (iso == null || iso.isBlank()) {
+            return today;
+        }
+        return LocalDate.parse(iso, DateTimeFormatter.ISO_LOCAL_DATE);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanproduct/starter/LoanProductConfiguration.java

@@ -43,6 +43,7 @@ import org.apache.fineract.portfolio.loanproduct.service.LoanDropdownReadPlatfor
 import org.apache.fineract.portfolio.loanproduct.service.LoanProductReadPlatformService;
 import org.apache.fineract.portfolio.loanproduct.service.LoanProductReadPlatformServiceImpl;
 import org.apache.fineract.portfolio.loanproduct.service.LoanProductWritePlatformService;
+import org.apache.fineract.portfolio.loanproduct.service.LoanProductAdvanceExtService;
 import org.apache.fineract.portfolio.loanproduct.service.LoanProductWritePlatformServiceJpaRepositoryImpl;
 import org.apache.fineract.portfolio.rate.domain.RateRepositoryWrapper;
 import org.apache.fineract.portfolio.rate.service.RateReadService;
@@ -82,11 +83,12 @@ public class LoanProductConfiguration {
             DelinquencyBucketRepository delinquencyBucketRepository,
             LoanRepaymentScheduleTransactionProcessorFactory loanRepaymentScheduleTransactionProcessorFactory,
             AdvancedPaymentAllocationsJsonParser advancedPaymentJsonParser, CreditAllocationsJsonParser creditAllocationsJsonParser,
-            LoanProductAssembler loanProductAssembler, LoanProductUpdateUtil loanProductUpdateUtil) {
+            LoanProductAssembler loanProductAssembler, LoanProductUpdateUtil loanProductUpdateUtil,
+            LoanProductAdvanceExtService loanProductAdvanceExtService) {
         return new LoanProductWritePlatformServiceJpaRepositoryImpl(context, fromApiJsonDeserializer, loanProductRepository, aprCalculator,
                 fundRepository, chargeRepository, rateRepository, accountMappingWritePlatformService, fineractEntityAccessUtil,
                 floatingRateRepository, loanRepositoryWrapper, businessEventNotifierService, delinquencyBucketRepository,
                 loanRepaymentScheduleTransactionProcessorFactory, advancedPaymentJsonParser, creditAllocationsJsonParser,
-                loanProductAssembler, loanProductUpdateUtil);
+                loanProductAssembler, loanProductUpdateUtil, loanProductAdvanceExtService);
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/rbireserve/api/RbiFormAFilingApiResource.java

@@ -166,12 +166,23 @@ public class RbiFormAFilingApiResource {
                     "The generated return must be supplied with the save.");
         }
 
-        final LocalDate periodStart = localDate(report, "fortnightStart");
-        final LocalDate periodEnd = localDate(report, "fortnightEnd");
-        final BigDecimal ndtl = decimal(report, "ndtlAmount");
-        final BigDecimal required = decimal(report, "requiredAmount");
-        final BigDecimal maintained = decimal(report, "maintainedAmount");
-        final BigDecimal rate = decimal(report, "ratePercentage");
+        // The statutory form states its figures per column inside Part B rather than once at the
+        // top level, so the columns the saved LIST shows - NDTL, required, maintained - have to be
+        // read out of it. Without this a filed statutory return listed as a row of dashes, and the
+        // list could not be scanned for the one return somebody was looking for.
+        final boolean statutory = report.has("formCode") && !report.get("formCode").isJsonNull()
+                && "FORM_1_STATUTORY".equals(report.get("formCode").getAsString());
+
+        // The statutory form's period runs between its two fortnight closes, which is what the
+        // saved list prints as the row's period.
+        final LocalDate periodStart = statutory ? columnDate(report, 0) : localDate(report, "fortnightStart");
+        final LocalDate periodEnd = statutory ? columnDate(report, 1) : localDate(report, "fortnightEnd");
+        // The current fortnight's figures are the second column - the close the form is made up to.
+        final BigDecimal ndtl = statutory ? partFigure(report, "partA", "baseDateLiabilities") : decimal(report, "ndtlAmount");
+        final BigDecimal required = statutory ? partFigure(report, "partB", "required") : decimal(report, "requiredAmount");
+        final BigDecimal maintained = statutory ? partFigure(report, "partB", "maintained")
+                : decimal(report, "maintainedAmount");
+        final BigDecimal rate = statutory ? decimal(report, "crrPercentage") : decimal(report, "ratePercentage");
         BigDecimal average = null;
         if (report.has("maintenance") && report.get("maintenance").isJsonObject()) {
             average = decimal(report.getAsJsonObject("maintenance"), "average");
@@ -302,4 +313,40 @@ public class RbiFormAFilingApiResource {
         final String value = object.get(field).getAsString();
         return value == null || value.isBlank() ? null : LocalDate.parse(value);
     }
+
+    /**
+     * One of a statutory part's per-column figures, taken at the column the form is made up to.
+     *
+     * The form carries three columns and the saved list has one cell per figure, so it takes the
+     * second - the close the return reports. Index 1 rather than "the last": the third column is
+     * the base the ratios are charged on, not a later position, and listing it would show a
+     * requirement against liabilities from a fortnight nobody filed.
+     */
+    private static BigDecimal partFigure(final JsonObject report, final String part, final String field) {
+        if (!report.has(part) || !report.get(part).isJsonObject()) {
+            return null;
+        }
+        final JsonObject partObject = report.getAsJsonObject(part);
+        if (!partObject.has(field) || !partObject.get(field).isJsonArray()) {
+            return null;
+        }
+        final var values = partObject.getAsJsonArray(field);
+        if (values.size() < 2 || values.get(1).isJsonNull()) {
+            return null;
+        }
+        return values.get(1).getAsBigDecimal();
+    }
+
+    /** One of the statutory form's column dates, for the period a saved row reports. */
+    private static LocalDate columnDate(final JsonObject report, final int index) {
+        if (!report.has("columns") || !report.get("columns").isJsonArray()) {
+            return null;
+        }
+        final var columns = report.getAsJsonArray("columns");
+        if (columns.size() <= index || columns.get(index).isJsonNull()) {
+            return null;
+        }
+        final String value = columns.get(index).getAsString();
+        return value == null || value.isBlank() ? null : LocalDate.parse(value);
+    }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/rbireserve/api/RbiReserveConfigApiResource.java

@@ -199,6 +199,7 @@ public class RbiReserveConfigApiResource {
         ROLE_GROUP_LABELS.put("RESERVE", "Form 1 (CRR) & Form 9 (SLR)");
         ROLE_GROUP_LABELS.put("OSS1", "OSS 1 — Return on Assets and Liabilities");
         ROLE_GROUP_LABELS.put("OSS2", "OSS 2 — Return on Earnings");
+        ROLE_GROUP_LABELS.put("FORM9", "Form IX — Return on Assets and Liabilities (R408)");
 
         for (final String role : ROLE_DESCRIPTIONS.keySet()) {
             if (role.startsWith("OSS1_")) {
@@ -209,12 +210,14 @@ public class RbiReserveConfigApiResource {
                 ROLE_USAGE.put(role, "OSS 2 (RoE) — movement over the quarter");
             } else {
                 ROLE_GROUPS.put(role, "RESERVE");
+                // Both ratios are settled on Form 1 - Part B is section 18, Part C section 24 - so
+                // the part is named rather than a separate return that does not exist.
                 if ("SLR_INVESTMENTS".equals(role)) {
-                    ROLE_USAGE.put(role, "Form 9 (SLR) — maintained");
+                    ROLE_USAGE.put(role, "Form 1 Part C (SLR) — maintained");
                 } else if ("DEMAND_TIME_LIABILITIES".equals(role)) {
-                    ROLE_USAGE.put(role, "Form 1 & Form 9 — base");
+                    ROLE_USAGE.put(role, "Form 1 — base for both ratios");
                 } else {
-                    ROLE_USAGE.put(role, "Form 1 (CRR) — maintained");
+                    ROLE_USAGE.put(role, "Form 1 Part B (CRR) — maintained");
                 }
             }
         }
@@ -227,9 +230,15 @@ public class RbiReserveConfigApiResource {
      */
     private static final List<String> RATE_TYPES = List.of("CRR", "SLR", "SAVINGS_DEMAND");
 
-    /** The four treatments a head can be given, each naming a branch the returns already have. */
+    /**
+     * The treatments a head can be given, each naming a branch the returns already have.
+     *
+     * ASSET is Form IX's, and is not ASSET_NET: that one is netted OFF the liability base to arrive
+     * at NDTL, this one is added INTO Total Assets. A Form IX asset given ASSET_NET would be
+     * subtracted from the liabilities of a return that has no such base.
+     */
     private static final List<String> ROLE_USAGES = List.of("LIABILITY", "ASSET_NET", "MAINTAINED", "SLR_ASSET",
-            "MEMO");
+            "ASSET", "MEMO");
 
     private static final Map<String, String> USAGE_DESCRIPTIONS = new LinkedHashMap<>();
     static {
@@ -243,6 +252,27 @@ public class RbiReserveConfigApiResource {
         USAGE_DESCRIPTIONS.put("MEMO", "Shown on the return but entering no total");
     }
 
+    /**
+     * How a head is consumed, in the terms of the return it belongs to.
+     *
+     * LIABILITY means two different things depending on the group. On Form 1 and Form 9 it says the
+     * head is added into the DTL base a ratio is charged on. On Form IX there is no ratio and no
+     * base: it says which SIDE OF THE BALANCE SHEET the head sits on. Describing both with the DTL
+     * wording would tell a Form IX filer their head feeds a calculation that does not exist on
+     * their return.
+     */
+    private static String usedBy(final String group, final String usage) {
+        if ("FORM9".equals(group)) {
+            return switch (usage == null ? "" : usage) {
+                case "LIABILITY" -> "Form IX — a liability; enters Total Liabilities";
+                case "ASSET" -> "Form IX — an asset; enters Total Assets";
+                case "MEMO" -> "Form IX — stated on the form but entering no total";
+                default -> usage;
+            };
+        }
+        return USAGE_DESCRIPTIONS.getOrDefault(usage, usage);
+    }
+
     /** How each built-in role is treated, so the screen can describe built-ins and additions alike. */
     private static final Map<String, String> BUILT_IN_USAGE = new LinkedHashMap<>();
     static {
@@ -390,11 +420,14 @@ public class RbiReserveConfigApiResource {
             o.put("label", row.get("label"));
             o.put("group", group);
             o.put("groupLabel", ROLE_GROUP_LABELS.getOrDefault(group, group));
-            o.put("usedBy", USAGE_DESCRIPTIONS.getOrDefault(usage, usage));
+            o.put("usedBy", usedBy(group, usage));
             o.put("builtIn", false);
             o.put("usage", usage);
-            // A liability head carries the demand/time split; nothing else does.
-            o.put("classified", "LIABILITY".equals(usage));
+            // A liability head carries the demand/time split; nothing else does. Not on Form IX,
+            // where the demand and time heads are separate lines of the form itself - asking for a
+            // class on top of that would let a head declared under 5(a) Fixed Deposits be marked
+            // DEMAND, which the form has no way to report.
+            o.put("classified", "LIABILITY".equals(usage) && !"FORM9".equals(group));
             o.put("roleId", row.get("id"));
             o.put("accounts", byKey.getOrDefault(key, new ArrayList<>()));
             out.add(o);

fineract-provider/src/main/java/org/apache/fineract/portfolio/rbireserve/service/RbiFormAAutoSaveService.java

@@ -53,7 +53,10 @@ import org.springframework.transaction.annotation.Transactional;
 @Slf4j
 public class RbiFormAAutoSaveService {
 
-    private static final String FORM_CODE = "FORM_1";
+    // The statutory form, because that is the Form 1 the screen shows and the one that gets filed.
+    // Saving the working report's shape left rows in the list that opened as a blank statement:
+    // the viewer built for the statutory form found none of the fields it reads.
+    private static final String FORM_CODE = "FORM_1_STATUTORY";
 
     private final JdbcTemplate jdbcTemplate;
     private final RbiReserveReturnApiResource returnApiResource;
@@ -89,7 +92,13 @@ public class RbiFormAAutoSaveService {
         try {
             // Computed through the same endpoint the screen uses, so an auto-saved return and one
             // saved by hand cannot come out differently.
-            report = gson.fromJson(returnApiResource.form1(today.toString(), null), JsonObject.class);
+            // No column dates passed: today IS a fortnight close - the check above returned
+            // otherwise - so the form derives its own pair from it, which is the pair an unattended
+            // run should file. A filer needing a different period enters both dates on the screen.
+            // No base dates passed either: an unattended run files the base the rules fix, which is
+            // what a saved return should carry. A filer needing a different base enters it on screen.
+            report = gson.fromJson(returnApiResource.form1Statutory(today.toString(), null, null, null, null, null),
+                    JsonObject.class);
         } catch (final RuntimeException e) {
             // A return that cannot be computed is not an error worth failing the batch over - an
             // unmapped role or a missing rate is a configuration gap, and the next run picks it up
@@ -98,18 +107,22 @@ public class RbiFormAAutoSaveService {
             return;
         }
 
-        if (report == null || !report.has("computable") || !report.get("computable").getAsBoolean()) {
-            log.info("RBI Form A auto-save: the return for {} is not computable yet; not saving a partial statement.",
+        // The statutory form has no all-or-nothing computable flag: an unmapped head is a real nil
+        // on it - a bank with no balances at the State Co-operative Bank files that line empty - so
+        // the form is filed as it stands. What it cannot do without is a rate, because every
+        // required amount below is a percentage of one, and saving a return whose requirement is
+        // zero for want of configuration would put a compliant-looking statement on the record.
+        if (report == null || report.get("crrPercentage") == null || report.get("crrPercentage").isJsonNull()) {
+            log.info("RBI Form A auto-save: no CRR rate in force on {}; not saving a return with no requirement.",
                     today);
             return;
         }
 
-        final LocalDate periodStart = date(report, "fortnightStart");
-        final LocalDate periodEnd = date(report, "fortnightEnd");
-        BigDecimal average = null;
-        if (report.has("maintenance") && report.get("maintenance").isJsonObject()) {
-            average = decimal(report.getAsJsonObject("maintenance"), "average");
-        }
+        // The form's period runs between its two fortnight closes, and its headline figures sit per
+        // column inside the parts rather than once at the top.
+        final LocalDate periodStart = column(report, 0);
+        final LocalDate periodEnd = column(report, 1);
+        final BigDecimal average = null;
 
         jdbcTemplate.update("""
                 INSERT INTO m_rbi_form_a_filing
@@ -119,9 +132,9 @@ public class RbiFormAAutoSaveService {
                 VALUES (?, ?, ?, ?, ?, 'DRAFT', ?, ?, ?, ?, ?, ?, ?, now())
                 """, FORM_CODE, java.sql.Date.valueOf(today),
                 java.sql.Date.valueOf(periodEnd == null ? today : periodEnd), sqlDate(periodStart), sqlDate(periodEnd),
-                gson.toJson(report), decimal(report, "ndtlAmount"), decimal(report, "requiredAmount"),
-                decimal(report, "maintainedAmount"), average, decimal(report, "ratePercentage"),
-                "Saved automatically at the close of the fortnight.");
+                gson.toJson(report), partFigure(report, "partA", "baseDateLiabilities"),
+                partFigure(report, "partB", "required"), partFigure(report, "partB", "maintained"), average,
+                decimal(report, "crrPercentage"), "Saved automatically at the close of the fortnight.");
 
         log.info("RBI Form A auto-save: saved the return for {} as a draft.", today);
     }
@@ -143,6 +156,41 @@ public class RbiFormAAutoSaveService {
         return object.get(field).getAsBigDecimal();
     }
 
+    /**
+     * One of the statutory form's per-column figures, at the close the return is made up to.
+     *
+     * Index 1, the second column: the third is the base the ratios are charged on, not a later
+     * position, and listing it would show a requirement against a fortnight nobody filed.
+     */
+    private static BigDecimal partFigure(final JsonObject report, final String part, final String field) {
+        if (!report.has(part) || !report.get(part).isJsonObject()) {
+            return null;
+        }
+        final JsonObject partObject = report.getAsJsonObject(part);
+        if (!partObject.has(field) || !partObject.get(field).isJsonArray()) {
+            return null;
+        }
+        final var values = partObject.getAsJsonArray(field);
+        if (values.size() < 2 || values.get(1).isJsonNull()) {
+            return null;
+        }
+        return values.get(1).getAsBigDecimal();
+    }
+
+    /** One of the form's column dates. */
+    private static LocalDate column(final JsonObject report, final int index) {
+        if (!report.has("columns") || !report.get("columns").isJsonArray()) {
+            return null;
+        }
+        final var columns = report.getAsJsonArray("columns");
+        if (columns.size() <= index || columns.get(index).isJsonNull()) {
+            return null;
+        }
+        final String value = columns.get(index).getAsString();
+        return value == null || value.isBlank() ? null : LocalDate.parse(value);
+    }
+
+    @SuppressWarnings("unused")
     private static LocalDate date(final JsonObject object, final String field) {
         if (object == null || !object.has(field) || object.get(field).isJsonNull()) {
             return null;

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/dailyinterest/SavingsDailyInterestOrchestrator.java

@@ -26,10 +26,14 @@ import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Service;
+import org.springframework.transaction.PlatformTransactionManager;
+import org.springframework.transaction.TransactionDefinition;
 import org.springframework.transaction.annotation.Transactional;
+import org.springframework.transaction.support.TransactionTemplate;
 
 /**
- * Runs the day: accrue for every account, then pay out any product whose cycle ended today.
+ * Runs the day's savings interest: accrue for every account, and post interest only from approved
+ * interest posting reports ({@link SavingsInterestPostingReportService}).
  *
  * Accrual and posting are separated on purpose. Accrual touches no money and can be repeated
  * freely; posting moves money and must not be. Keeping them apart means a posting that fails can
@@ -47,91 +51,98 @@ public class SavingsDailyInterestOrchestrator {
     private final JdbcTemplate jdbcTemplate;
     private final SavingsDailyInterestService accrualService;
     private final SavingsPooledInterestPostingService postingService;
+    private final SavingsInterestPostingReportService reportService;
+    private final PlatformTransactionManager transactionManager;
 
     /**
-     * Accrue for the day, then post for any product whose posting date has arrived.
+     * The nightly run: settles any approved interest report still unposted, then accrues the day.
      *
-     * Deliberately not {@code @Transactional}. The accrual writes every account's ledger row and the
-     * posting then reads and updates those same rows in a transaction of its own
-     * ({@code postForProduct} is REQUIRES_NEW, so that one product's failure cannot roll back
-     * another's payment). Holding an outer transaction across both would mean this thread still owns
-     * the row locks the accrual took while the posting's separate transaction waits for them — each
-     * waiting on the other, and the job hanging silently with nothing in the log. So each step
-     * commits on its own before the next begins.
+     * <p>
+     * This run no longer decides to pay anybody. Interest is paid only from an approved posting
+     * report, normally when the last branch closes the day. What is left here is the safety net for a
+     * report that was approved but could not be posted then, and it runs BEFORE the accrual on
+     * purpose: by the time this job runs the business date has already moved past the posting date,
+     * and the accrual rolls each account's ledger row into the next cycle, which would leave nothing
+     * for the posting to settle.
+     *
+     * <p>
+     * Deliberately not {@code @Transactional}. Each report posts in a transaction of its own, and the
+     * accrual then commits on its own, so neither holds the other's row locks.
      */
     public void runForDate(final LocalDate businessDate) {
         clearStaleRunningFlag();
+        final List<String> failures = postApprovedReports(businessDate);
         accrualService.accrueForDate(businessDate);
         enrolNewProducts();
 
-        final List<Map<String, Object>> schedules = jdbcTemplate.queryForList("""
-                SELECT s.savings_product_id, s.posting_period_enum
-                  FROM m_savings_interest_posting_schedule s
-                  JOIN m_savings_product p ON p.id = s.savings_product_id
-                 WHERE s.is_active = true AND p.deposit_type_enum = 100
-                 ORDER BY s.savings_product_id
-                """);
-
-        // Products that could not be paid, collected so the run can fail loudly at the end.
-        //
-        // Carrying on past one product is right — a mapping missing on one product must not stop
-        // every member of every other from being paid. Reporting the job as successful afterwards is
-        // not: the scheduler recorded 'success', the operator saw a green run, and the only trace
-        // that nobody had been paid was a log line and a row in m_savings_interest_posting_run that
-        // nothing reads. On a night when every product fails, that is a whole day of interest
-        // silently unpaid.
-        final List<String> failures = new java.util.ArrayList<>();
-
-        for (final Map<String, Object> schedule : schedules) {
-            final long productId = ((Number) schedule.get("savings_product_id")).longValue();
-
-            // Whether anything is due is decided inside postForProduct, not here.
-            //
-            // This used to pre-check with its own COUNT over m_savings_daily_interest, and that
-            // deadlocked the run: accrueForDate above is @Transactional and has just written every
-            // ledger row, so its transaction still holds them; the COUNT then read those rows on
-            // this thread's transaction, and postForProduct — which runs REQUIRES_NEW, in a
-            // transaction of its own — sat waiting for a lock this thread was holding and would only
-            // release after postForProduct returned. Each waited on the other and the job hung
-            // silently, with nothing in the log and the flag left saying it was still running.
-            //
-            // postForProduct already selects what is due and returns zero when there is nothing, so
-            // the pre-check bought nothing but the deadlock. Its selection is by posting_date rather
-            // than by the run date, which is what makes a missed posting date catch up on a later
-            // run instead of being skipped for good.
-            try {
-                final BigDecimal paid = postingService.postForProduct(productId, businessDate);
-                if (paid.signum() == 0) {
-                    updateSchedule(productId, businessDate, null);
-                    continue;
-                }
-                updateSchedule(productId, businessDate, "COMPLETED");
-                log.info("Savings interest: product {} posted {} on {}", productId, paid, businessDate);
-            } catch (final RuntimeException e) {
-                // The product rolled back on its own; record why and let the others run.
-                log.error("Savings interest: product {} failed to post on {}", productId, businessDate, e);
-                // An UPDATE, so it writes nothing when the product threw before openRun() inserted
-                // the row — which is exactly what a product with no GL mapping does. The failure is
-                // therefore collected in memory as well, so it cannot be lost with the breadcrumb.
-                jdbcTemplate.update("""
-                        UPDATE m_savings_interest_posting_run
-                           SET status = 'FAILED', failure_reason = ?
-                         WHERE savings_product_id = ? AND posting_date = ?
-                        """, truncate(e.getMessage()), productId, businessDate);
-                updateSchedule(productId, businessDate, "FAILED");
-                failures.add("product " + productId + ": " + e.getMessage());
-            }
+        // Keeps each product's next posting date on the timetable in step with the ledger, which
+        // the posting loop used to do as a side effect of looking for work.
+        for (final Long productId : jdbcTemplate.queryForList(
+                "SELECT savings_product_id FROM m_savings_interest_posting_schedule WHERE is_active = true", Long.class)) {
+            updateSchedule(productId, businessDate, null);
         }
 
-        // Fails the job so the scheduler records it as failed and an operator is told. Every product
-        // that could be paid has already been paid and committed by this point — this reports what
-        // happened, it does not undo it.
+        // Fails the job so the scheduler records it as failed and an operator is told. Every report
+        // that could be paid has already been paid and committed by this point.
         if (!failures.isEmpty()) {
             throw new IllegalStateException("Savings interest could not be posted on " + businessDate + " for "
-                    + failures.size() + " product(s): " + String.join("; ", failures));
+                    + failures.size() + " report(s): " + String.join("; ", failures));
         }
     }
 
+    /**
+     * Posts every approved interest posting report dated on or before the date.
+     *
+     * <p>
+     * Each report posts in a new transaction of its own. That is required, not a preference: this is
+     * called from the day close's after-commit callback, where the closing transaction has finished
+     * but is still bound to the thread, and joining it would write nothing that ever commits. It also
+     * keeps one product's failure from rolling back another's payment. A report that fails stays
+     * APPROVED with the reason recorded, and the nightly run tries it again.
+     *
+     * @return one message per report that could not be posted
+     */
+    public List<String> postApprovedReports(final LocalDate upToDate) {
+        return postReports(reportService.approvedReportIds(upToDate));
+    }
+
+    /**
+     * Posts the given approved reports, each in a new transaction of its own (see
+     * {@link #postApprovedReports}). Used by the day close for one branch's reports.
+     *
+     * @return one message per report that could not be posted
+     */
+    public List<String> postReports(final List<Long> reportIds) {
+        final TransactionTemplate newTransaction = new TransactionTemplate(transactionManager);
+        newTransaction.setPropagationBehavior(TransactionDefinition.PROPAGATION_REQUIRES_NEW);
+
+        final List<String> failures = new java.util.ArrayList<>();
+        for (final Long reportId : reportIds) {
+            final Map<String, Object> report = jdbcTemplate.queryForMap(
+                    "SELECT savings_product_id, posting_date FROM m_savings_interest_posting_report WHERE id = ?", reportId);
+            final long productId = ((Number) report.get("savings_product_id")).longValue();
+            final LocalDate postingDate = ((java.sql.Date) report.get("posting_date")).toLocalDate();
+            try {
+                final BigDecimal paid = newTransaction.execute(status -> postingService.postReport(reportId));
+                newTransaction.executeWithoutResult(status -> updateSchedule(productId, postingDate, "COMPLETED"));
+                log.info("Savings interest: report {} for product {} posted {} on {}", reportId, productId, paid, postingDate);
+            } catch (final RuntimeException e) {
+                log.error("Savings interest: report {} for product {} failed to post on {}", reportId, productId, postingDate, e);
+                newTransaction.executeWithoutResult(status -> {
+                    reportService.recordPostingFailure(reportId, e.getMessage());
+                    jdbcTemplate.update("""
+                            UPDATE m_savings_interest_posting_run
+                               SET status = 'FAILED', failure_reason = ?
+                             WHERE report_id = ?
+                            """, truncate(e.getMessage()), reportId);
+                    updateSchedule(productId, postingDate, "FAILED");
+                });
+                failures.add("report " + reportId + " (product " + productId + "): " + e.getMessage());
+            }
+        }
+        return failures;
+    }
+
     /**
      * Releases this job's own currently_running flag if an earlier run left it set.
      *

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/dailyinterest/SavingsDailyInterestService.java

@@ -243,7 +243,7 @@ public class SavingsDailyInterestService {
             carriedInterest = backfill.cumulativeInterest();
         } else {
             final Map<String, Object> prev = previous.get(0);
-            openingBalance = (BigDecimal) prev.get("closing_balance");
+            final LocalDate prevBalanceDate = ((java.sql.Date) prev.get("balance_date")).toLocalDate();
             final boolean prevWasPosting = Boolean.TRUE.equals(prev.get("is_posting_day"));
             final LocalDate prevCycleEnd = ((java.sql.Date) prev.get("cycle_end_date")).toLocalDate();
             // A cycle is finished either because it was paid out or because its end date has gone
@@ -251,11 +251,24 @@ public class SavingsDailyInterestService {
             // run was missed, or the account was accrued again after a break - and treating it as
             // unfinished would leave the row in a cycle that ended before the day it records.
             if (prevWasPosting || businessDate.isAfter(prevCycleEnd)) {
-                carriedInterest = BigDecimal.ZERO;
                 cycleNumber = ((Number) prev.get("cycle_number")).intValue() + 1;
                 cycleStart = prevCycleEnd.plusDays(1);
                 cycleEnd = SavingsInterestCycleCalculator.cycleEndDate(businessDate, postingPeriod,
                         financialYearBeginningMonth);
+                // The new cycle may already be days old: the business date moved on by more than a
+                // day, or nights were missed. Those days earned too. Starting the cycle at zero and
+                // counting only today dropped them — a jump from 30 Sep to 31 Oct paid one day of
+                // October. They are replayed from the account's transactions, as a first row is, and
+                // the opening balance comes from the same replay so money moved in the gap counts.
+                if (cycleStart.isBefore(businessDate)) {
+                    final Backfill gap = backfillFromCycleStart(accountId, cycleStart, businessDate, rate, daysInYear,
+                            minBalance, averageDailyBalanceOf(calcType));
+                    openingBalance = gap.closingBalance();
+                    carriedInterest = gap.cumulativeInterest();
+                } else {
+                    openingBalance = (BigDecimal) prev.get("closing_balance");
+                    carriedInterest = BigDecimal.ZERO;
+                }
             } else {
                 cycleNumber = ((Number) prev.get("cycle_number")).intValue();
                 cycleStart = ((java.sql.Date) prev.get("cycle_start_date")).toLocalDate();
@@ -274,12 +287,15 @@ public class SavingsDailyInterestService {
                 // So the gap is replayed from the account's own transactions, the same way a first
                 // row is built, and the result stands in for the running total the ledger would be
                 // holding had it run every night.
-                final LocalDate prevBalanceDate = ((java.sql.Date) prev.get("balance_date")).toLocalDate();
                 if (prevBalanceDate.plusDays(1).isBefore(businessDate)) {
                     final Backfill gap = backfillFromCycleStart(accountId, cycleStart, businessDate, rate, daysInYear,
                             minBalance, averageDailyBalanceOf(calcType));
+                    // The replay's balance, not the stale row's: deposits made during the gap were
+                    // otherwise left out of every balance from here on.
+                    openingBalance = gap.closingBalance();
                     carriedInterest = gap.cumulativeInterest();
                 } else {
+                    openingBalance = (BigDecimal) prev.get("closing_balance");
                     carriedInterest = (BigDecimal) prev.get("cycle_cumulative_interest");
                 }
             }
@@ -506,7 +522,11 @@ public class SavingsDailyInterestService {
             final BigDecimal rate, final int daysInYear, final BigDecimal minBalance, final boolean averageDailyBalance) {
 
         if (!cycleStart.isBefore(upTo)) {
-            return new Backfill(BigDecimal.ZERO, BigDecimal.ZERO);
+            // No day of the cycle to replay — it opens today — but the money held going into it is
+            // still there. Returning a zero balance made every re-accrual on a cycle's first day (a
+            // deposit, or the noon report, on the 1st) open the account at nil: an account holding
+            // 11,503.15 then earned only on what was deposited that day.
+            return new Backfill(balanceAsOf(accountId, upTo.minusDays(1)), BigDecimal.ZERO);
         }
 
         // Everything on or before the eve of the ledger's first day, keyed by day. The balance before
@@ -560,7 +580,7 @@ public class SavingsDailyInterestService {
         final BigDecimal balance = jdbcTemplate.queryForObject("""
                 SELECT COALESCE(SUM(CASE
                          WHEN t.transaction_type_enum IN (1, 3, 8) THEN t.amount
-                         WHEN t.transaction_type_enum IN (2, 4, 5, 7) THEN -t.amount
+                         WHEN t.transaction_type_enum IN (2, 4, 5, 7, 18) THEN -t.amount
                          ELSE 0 END), 0)
                   FROM m_savings_account_transaction t
                  WHERE t.savings_account_id = ?
@@ -577,7 +597,7 @@ public class SavingsDailyInterestService {
                 SELECT t.transaction_date AS d,
                        SUM(CASE
                          WHEN t.transaction_type_enum IN (1, 3, 8) THEN t.amount
-                         WHEN t.transaction_type_enum IN (2, 4, 5, 7) THEN -t.amount
+                         WHEN t.transaction_type_enum IN (2, 4, 5, 7, 18) THEN -t.amount
                          ELSE 0 END) AS net
                   FROM m_savings_account_transaction t
                  WHERE t.savings_account_id = ?
@@ -593,7 +613,7 @@ public class SavingsDailyInterestService {
         final BigDecimal movement = jdbcTemplate.queryForObject("""
                 SELECT COALESCE(SUM(CASE
                          WHEN t.transaction_type_enum IN (1, 3, 8) THEN t.amount
-                         WHEN t.transaction_type_enum IN (2, 4, 5, 7) THEN -t.amount
+                         WHEN t.transaction_type_enum IN (2, 4, 5, 7, 18) THEN -t.amount
                          ELSE 0 END), 0)
                   FROM m_savings_account_transaction t
                  WHERE t.savings_account_id = ?

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/dailyinterest/SavingsInterestPostingReportService.java

@@ -0,0 +1,677 @@
+/**
+ * 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.dailyinterest;
+
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.util.ArrayList;
+import java.util.Comparator;
+import java.util.LinkedHashMap;
+import java.util.LinkedHashSet;
+import java.util.List;
+import java.util.Map;
+import java.util.Set;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.PlatformTransactionManager;
+import org.springframework.transaction.TransactionDefinition;
+import org.springframework.transaction.support.TransactionTemplate;
+
+/**
+ * The interest posting report: what each savings account of one branch will be paid on its product's
+ * posting date, put in front of that branch before any money moves.
+ *
+ * <p>
+ * One report per branch and product. On a posting date the noon job generates one for every branch
+ * holding accounts with interest due; a user of that branch may generate or regenerate it at any time
+ * — the previous report is superseded, not overwritten — and approves it. The branch's approved
+ * reports are posted when that branch closes its day, and until they are approved it cannot close.
+ * The head office closes last, once every branch open that day has closed.
+ *
+ * <p>
+ * Only the branch acts on its own reports. The single exception is a branch that did not open that
+ * day: the head office may then generate and approve its report on its behalf, and posts it at the
+ * head office's own close. Every entry is still raised in the branch the customers belong to.
+ *
+ * <p>
+ * The figures are the daily ledger's own: each account's running interest for the cycle, rounded to
+ * two decimals, with the paise the rounding loses given to the largest balance so the report's total
+ * is the branch's pooled interest exactly.
+ */
+@Service
+@Slf4j
+public class SavingsInterestPostingReportService {
+
+    public static final String GENERATED = "GENERATED";
+    public static final String APPROVED = "APPROVED";
+    public static final String POSTED = "POSTED";
+    public static final String SUPERSEDED = "SUPERSEDED";
+
+    private static final int MONEY_SCALE = 2;
+    private static final RoundingMode MONEY_ROUNDING = RoundingMode.HALF_EVEN;
+    /** m_savings_account.status_enum for an active account. */
+    private static final int ACTIVE = 300;
+
+    /** A product with interest due in one branch. */
+    private record DueKey(Long productId, Long officeId) {}
+
+    private final JdbcTemplate jdbcTemplate;
+    private final SavingsDailyInterestService accrualService;
+    private final SavingsPooledInterestPostingService postingService;
+    private final TransactionTemplate transactionTemplate;
+
+    public SavingsInterestPostingReportService(final JdbcTemplate jdbcTemplate, final SavingsDailyInterestService accrualService,
+            final SavingsPooledInterestPostingService postingService, final PlatformTransactionManager transactionManager) {
+        this.jdbcTemplate = jdbcTemplate;
+        this.accrualService = accrualService;
+        this.postingService = postingService;
+        // Always a transaction of its own. The noon job runs inside the batch step's transaction, and
+        // generating in it would read the accrual through that uncommitted transaction and hold its
+        // row locks for the whole run; a report committed on its own is also visible to the screen at once.
+        this.transactionTemplate = new TransactionTemplate(transactionManager);
+        this.transactionTemplate.setPropagationBehavior(TransactionDefinition.PROPAGATION_REQUIRES_NEW);
+    }
+
+    // ── generation ───────────────────────────────────────────────────────────────────────────────
+
+    /**
+     * The noon job: brings the ledger up to the business date, then generates a report for every
+     * branch and product with interest due that does not already have one.
+     *
+     * <p>
+     * Each report is generated in its own transaction, so one that cannot be — a GL mapping missing,
+     * say — does not stop the others. The failures are raised together at the end so the job is
+     * recorded as failed.
+     *
+     * @return the ids of the reports generated
+     */
+    public List<Long> generateDue(final LocalDate postingDate) {
+        // So each account's figure includes the posting date itself, on the balance it holds now.
+        transactionTemplate.executeWithoutResult(status -> accrualService.accrueForDate(postingDate));
+
+        final List<Long> generated = new ArrayList<>();
+        final List<String> failures = new ArrayList<>();
+        for (final DueKey due : dueKeys(postingDate, null)) {
+            if (activeReportId(due.productId(), due.officeId(), postingDate) != null) {
+                continue;
+            }
+            try {
+                generated.add(transactionTemplate.execute(status -> generate(due.productId(), due.officeId(), postingDate, "AUTO", null)));
+            } catch (final RuntimeException e) {
+                log.error("Savings interest report: product {} branch {} could not be reported for {}", due.productId(),
+                        due.officeId(), postingDate, e);
+                failures.add("product " + due.productId() + " branch " + due.officeId() + ": " + e.getMessage());
+            }
+        }
+        if (!failures.isEmpty()) {
+            throw new IllegalStateException("Savings interest posting report could not be generated on " + postingDate + " for "
+                    + failures.size() + " report(s): " + String.join("; ", failures));
+        }
+        return generated;
+    }
+
+    /**
+     * Generates the report afresh for one branch and product, on the user's request.
+     *
+     * <p>
+     * Allowed at any time of day; only the noon job waits for noon. Not for a date after the business
+     * date, whose interest has not been earned yet. A posted report cannot be regenerated: its money
+     * has moved. An approved one can, and has to be approved again.
+     */
+    public Long regenerate(final Long productId, final Long officeId, final LocalDate postingDate, final AppUser user) {
+        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+        if (postingDate.isAfter(businessDate)) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.future.date",
+                    "The report for " + postingDate + " cannot be generated before that date.");
+        }
+        authorize(user, officeId, businessDate);
+        transactionTemplate.executeWithoutResult(status -> accrualService.accrueForDate(businessDate));
+        return transactionTemplate.execute(status -> generate(productId, officeId, postingDate, "MANUAL", user.getId()));
+    }
+
+    /**
+     * Approves a generated report. A user of the report's branch approves it; the head office may
+     * approve it only for a branch that did not open that day, and the report records that it did.
+     */
+    public void approve(final Long reportId, final AppUser user) {
+        final List<Map<String, Object>> found = jdbcTemplate
+                .queryForList("SELECT office_id FROM m_savings_interest_posting_report WHERE id = ?", reportId);
+        if (found.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.not.found",
+                    "Interest posting report " + reportId + " does not exist.");
+        }
+        final Long officeId = ((Number) found.get(0).get("office_id")).longValue();
+        final boolean onBehalf = authorize(user, officeId, DateUtils.getBusinessLocalDate());
+        final int approved = jdbcTemplate.update("""
+                UPDATE m_savings_interest_posting_report
+                   SET status = 'APPROVED', approved_by = ?, approved_at = CURRENT_TIMESTAMP, approved_on_behalf = ?
+                 WHERE id = ? AND status = 'GENERATED'
+                """, user.getId(), onBehalf, reportId);
+        if (approved == 0) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.not.generated",
+                    "Only a report in GENERATED status can be approved. Reload the report — it may have been approved, "
+                            + "regenerated or posted already.");
+        }
+    }
+
+    // ── day close ────────────────────────────────────────────────────────────────────────────────
+
+    /**
+     * What stops one branch from closing the day: a product with interest due in the branch and no
+     * approved (or posted) report for the date, and any older report of the branch still awaiting
+     * approval — one left from a day the branch did not open. A report that was never generated
+     * blocks the close too.
+     */
+    public List<String> reportsBlockingDayClose(final Long officeId, final LocalDate businessDate) {
+        final Set<String> blocking = new LinkedHashSet<>();
+        for (final DueKey due : dueKeys(businessDate, officeId)) {
+            final Long settled = jdbcTemplate.queryForObject("""
+                    SELECT COUNT(*) FROM m_savings_interest_posting_report
+                     WHERE savings_product_id = ? AND office_id = ? AND posting_date = ? AND status IN ('APPROVED', 'POSTED')
+                    """, Long.class, due.productId(), officeId, businessDate);
+            if (settled == null || settled == 0) {
+                blocking.add(productName(due.productId()) + " (" + businessDate + ")");
+            }
+        }
+        for (final Map<String, Object> pending : jdbcTemplate.queryForList("""
+                SELECT p.name, r.posting_date FROM m_savings_interest_posting_report r
+                  JOIN m_savings_product p ON p.id = r.savings_product_id
+                 WHERE r.office_id = ? AND r.status = 'GENERATED' AND r.posting_date <= ?
+                 ORDER BY r.posting_date
+                """, officeId, businessDate)) {
+            blocking.add(pending.get("name") + " (" + pending.get("posting_date") + ")");
+        }
+        return new ArrayList<>(blocking);
+    }
+
+    /** The branch's approved reports, posted when it closes the day. */
+    public List<Long> approvedReportIds(final Long officeId, final LocalDate upToDate) {
+        return jdbcTemplate.queryForList("""
+                SELECT id FROM m_savings_interest_posting_report
+                 WHERE status = 'APPROVED' AND office_id = ? AND posting_date <= ?
+                 ORDER BY posting_date, savings_product_id
+                """, Long.class, officeId, upToDate);
+    }
+
+    /**
+     * Approved reports of branches that did not open on the date — what the head office posts at its
+     * own close, the branches having no close of their own that day.
+     */
+    public List<Long> approvedReportIdsOfBranchesNotOpened(final LocalDate businessDate, final Long headOfficeId) {
+        return jdbcTemplate.queryForList("""
+                SELECT r.id FROM m_savings_interest_posting_report r
+                 WHERE r.status = 'APPROVED' AND r.posting_date <= ? AND r.office_id <> ?
+                   AND NOT EXISTS (SELECT 1 FROM m_branch_day_register b WHERE b.office_id = r.office_id
+                                    AND (b.business_date = ? OR (b.closed_at IS NULL AND b.business_date <= ?)))
+                 ORDER BY r.posting_date, r.office_id, r.savings_product_id
+                """, Long.class, businessDate, headOfficeId, businessDate, businessDate);
+    }
+
+    /** Every approved report still waiting, for the nightly safety net. */
+    public List<Long> approvedReportIds(final LocalDate upToDate) {
+        return jdbcTemplate.queryForList("""
+                SELECT id FROM m_savings_interest_posting_report
+                 WHERE status = 'APPROVED' AND posting_date <= ?
+                 ORDER BY posting_date, office_id, savings_product_id
+                """, Long.class, upToDate);
+    }
+
+    /** Records why an approved report could not be posted; it stays APPROVED for the next attempt. */
+    public void recordPostingFailure(final Long reportId, final String reason) {
+        jdbcTemplate.update("UPDATE m_savings_interest_posting_report SET failure_reason = ? WHERE id = ?",
+                reason == null ? "unknown failure" : reason.length() > 1000 ? reason.substring(0, 1000) : reason, reportId);
+    }
+
+    // ── reading ──────────────────────────────────────────────────────────────────────────────────
+
+    /**
+     * Reports for the screen. {@code scope} "own" (the default) is the user's own branch; "others", for a
+     * head office user, is every other branch (or one, with officeId). canAct says whether this user
+     * may regenerate or approve the report, and blockedReason why not.
+     */
+    public List<Map<String, Object>> list(final LocalDate postingDate, final String status, final Long productId, final Long officeId,
+            final String scope, final AppUser user) {
+        final Long userOffice = officeOf(user);
+        final boolean others = "others".equalsIgnoreCase(scope) && isHeadOffice(userOffice);
+        final Long branch = others ? officeId : userOffice;
+
+        final StringBuilder sql = new StringBuilder("""
+                SELECT r.id, r.savings_product_id AS "productId", p.name AS "productName", r.office_id AS "officeId",
+                       o.name AS "officeName", r.posting_date AS "postingDate", r.status, r.total_interest AS "totalInterest",
+                       r.account_count AS "accountCount", r.generation_mode AS "generationMode", r.generated_at AS "generatedAt",
+                       gu.username AS "generatedBy", r.approved_at AS "approvedAt", au.username AS "approvedBy",
+                       r.approved_on_behalf AS "approvedOnBehalf", r.posted_at AS "postedAt", r.failure_reason AS "failureReason"
+                  FROM m_savings_interest_posting_report r
+                  JOIN m_savings_product p ON p.id = r.savings_product_id
+                  LEFT JOIN m_office o ON o.id = r.office_id
+                  LEFT JOIN m_appuser gu ON gu.id = r.generated_by
+                  LEFT JOIN m_appuser au ON au.id = r.approved_by
+                 WHERE 1 = 1
+                """);
+        final List<Object> params = new ArrayList<>();
+        if (postingDate != null) {
+            sql.append(" AND r.posting_date = ?");
+            params.add(postingDate);
+        }
+        if (status != null && !status.isBlank()) {
+            sql.append(" AND r.status = ?");
+            params.add(status.trim().toUpperCase());
+        } else {
+            sql.append(" AND r.status <> 'SUPERSEDED'");
+        }
+        if (productId != null) {
+            sql.append(" AND r.savings_product_id = ?");
+            params.add(productId);
+        }
+        if (branch != null) {
+            sql.append(" AND r.office_id = ?");
+            params.add(branch);
+        }
+        if (others) {
+            sql.append(" AND r.office_id <> ?");
+            params.add(userOffice);
+        }
+        sql.append(" ORDER BY r.posting_date DESC, o.name, p.name, r.id DESC");
+
+        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+        final List<Map<String, Object>> rows = new ArrayList<>();
+        for (final Map<String, Object> row : jdbcTemplate.queryForList(sql.toString(), params.toArray())) {
+            final Map<String, Object> out = new LinkedHashMap<>(row);
+            final Long reportOffice = row.get("officeId") == null ? null : ((Number) row.get("officeId")).longValue();
+            final String blocked = reportOffice == null ? "No branch on this report." : actBlockedReason(userOffice, reportOffice, businessDate);
+            out.put("canAct", blocked == null);
+            out.put("blockedReason", blocked);
+            rows.add(out);
+        }
+        return rows;
+    }
+
+    public Map<String, Object> detail(final Long reportId) {
+        final List<Map<String, Object>> found = jdbcTemplate.queryForList("""
+                SELECT r.id, r.savings_product_id AS "productId", p.name AS "productName", r.office_id AS "officeId",
+                       o.name AS "officeName", r.posting_date AS "postingDate",
+                       r.status, r.total_interest AS "totalInterest", r.account_count AS "accountCount",
+                       r.generation_mode AS "generationMode", r.generated_at AS "generatedAt", gu.username AS "generatedBy",
+                       r.approved_at AS "approvedAt", au.username AS "approvedBy", r.approved_on_behalf AS "approvedOnBehalf",
+                       r.posted_at AS "postedAt", r.failure_reason AS "failureReason",
+                       pg.gl_code AS "payableGlCode", pg.name AS "payableGlName",
+                       dg.gl_code AS "paidGlCode", dg.name AS "paidGlName",
+                       eg.gl_code AS "expenseGlCode", eg.name AS "expenseGlName"
+                  FROM m_savings_interest_posting_report r
+                  JOIN m_savings_product p ON p.id = r.savings_product_id
+                  LEFT JOIN m_office o ON o.id = r.office_id
+                  LEFT JOIN m_appuser gu ON gu.id = r.generated_by
+                  LEFT JOIN m_appuser au ON au.id = r.approved_by
+                  LEFT JOIN acc_gl_account pg ON pg.id = r.payable_gl_account_id
+                  LEFT JOIN acc_gl_account dg ON dg.id = r.paid_gl_account_id
+                  LEFT JOIN acc_product_mapping em ON em.product_id = r.savings_product_id AND em.product_type = 2
+                        AND em.financial_account_type = 3 AND em.payment_type IS NULL
+                  LEFT JOIN acc_gl_account eg ON eg.id = em.gl_account_id
+                 WHERE r.id = ?
+                """, reportId);
+        if (found.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.not.found",
+                    "Interest posting report " + reportId + " does not exist.");
+        }
+        final Map<String, Object> report = new LinkedHashMap<>(found.get(0));
+        report.put("lines", jdbcTemplate.queryForList("""
+                SELECT l.savings_account_id AS "savingsAccountId", l.account_no AS "accountNo", l.client_name AS "clientName",
+                       l.interest_amount AS "interestAmount", l.balance_before AS "balanceBefore",
+                       l.balance_after AS "balanceAfter", l.savings_transaction_id AS "savingsTransactionId"
+                  FROM m_savings_interest_posting_report_line l
+                 WHERE l.report_id = ?
+                 ORDER BY l.account_no
+                """, reportId));
+        return report;
+    }
+
+    /**
+     * What each savings account has earned so far in its current cycle — what it would be paid if
+     * interest were posted today. Read-only: nothing is saved, approved or posted. The ledger is first
+     * brought up to the business date (which moves no money) so the figure includes today.
+     *
+     * <p>
+     * A branch user sees their own branch; a head office user every branch, or one with officeId.
+     */
+    public List<Map<String, Object>> preview(final Long officeId, final AppUser user) {
+        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+        transactionTemplate.executeWithoutResult(status -> accrualService.accrueForDate(businessDate));
+
+        final Long userOffice = officeOf(user);
+        final Long branch = isHeadOffice(userOffice) ? officeId : userOffice;
+        final StringBuilder sql = new StringBuilder("""
+                SELECT COALESCE(c.office_id, g.office_id) AS "officeId", o.name AS "officeName",
+                       p.id AS "productId", p.name AS "productName", sa.id AS "savingsAccountId", sa.account_no AS "accountNo",
+                       COALESCE(c.display_name, g.display_name) AS "clientName", d.closing_balance AS "balance",
+                       d.interest_rate AS "rate", d.cycle_start_date AS "cycleStart", d.posting_date AS "postingDate",
+                       d.balance_date AS "asOf", ROUND(d.cycle_cumulative_interest, 2) AS "interest"
+                  FROM m_savings_daily_interest d
+                  JOIN m_savings_account sa ON sa.id = d.savings_account_id
+                  JOIN m_savings_product p ON p.id = d.savings_product_id
+                  LEFT JOIN m_client c ON c.id = sa.client_id
+                  LEFT JOIN m_group g ON g.id = sa.group_id
+                  LEFT JOIN m_office o ON o.id = COALESCE(c.office_id, g.office_id)
+                 WHERE p.deposit_type_enum = 100
+                   AND sa.status_enum = ?
+                   AND d.savings_transaction_id IS NULL
+                """);
+        final List<Object> params = new ArrayList<>(List.of(ACTIVE));
+        if (branch != null) {
+            sql.append(" AND COALESCE(c.office_id, g.office_id) = ?");
+            params.add(branch);
+        }
+        sql.append(" ORDER BY o.name, p.name, sa.account_no");
+        return jdbcTemplate.queryForList(sql.toString(), params.toArray());
+    }
+
+    /**
+     * Branch and product interest for the head office: per report, how many customers and how much
+     * interest, and where it stands. Superseded reports are left out — each line is the report that
+     * counts for that branch, product and date.
+     */
+    public List<Map<String, Object>> summary(final LocalDate fromDate, final LocalDate toDate, final Long productId) {
+        final StringBuilder sql = new StringBuilder("""
+                SELECT r.id, r.posting_date AS "postingDate", r.office_id AS "officeId", o.name AS "officeName",
+                       r.savings_product_id AS "productId", p.name AS "productName", r.account_count AS "accountCount",
+                       r.total_interest AS "totalInterest", r.status, au.username AS "approvedBy",
+                       r.approved_on_behalf AS "approvedOnBehalf", r.approved_at AS "approvedAt", r.posted_at AS "postedAt"
+                  FROM m_savings_interest_posting_report r
+                  JOIN m_savings_product p ON p.id = r.savings_product_id
+                  LEFT JOIN m_office o ON o.id = r.office_id
+                  LEFT JOIN m_appuser au ON au.id = r.approved_by
+                 WHERE r.status <> 'SUPERSEDED'
+                """);
+        final List<Object> params = new ArrayList<>();
+        if (fromDate != null) {
+            sql.append(" AND r.posting_date >= ?");
+            params.add(fromDate);
+        }
+        if (toDate != null) {
+            sql.append(" AND r.posting_date <= ?");
+            params.add(toDate);
+        }
+        if (productId != null) {
+            sql.append(" AND r.savings_product_id = ?");
+            params.add(productId);
+        }
+        sql.append(" ORDER BY r.posting_date DESC, p.name, o.name");
+        return jdbcTemplate.queryForList(sql.toString(), params.toArray());
+    }
+
+    /**
+     * Branch and product pairs with interest due by the date that have no report yet — the noon job ran
+     * before they had anything due, or failed.
+     *
+     * <p>
+     * {@code scope} "own" (the default) lists the user's own branch. "others", for a head office user,
+     * lists the other branches — each with canAct, and where the head office may not act for it, why.
+     */
+    public List<Map<String, Object>> dueWithoutReport(final LocalDate postingDate, final AppUser user, final String scope) {
+        final List<Map<String, Object>> out = new ArrayList<>();
+        // A future date has nothing due yet, and offering to generate for it would label this cycle's
+        // part-earned interest with a date it has not reached.
+        final LocalDate businessDate = DateUtils.getBusinessLocalDate();
+        if (postingDate.isAfter(businessDate)) {
+            return out;
+        }
+        final Long userOffice = officeOf(user);
+        final boolean others = "others".equalsIgnoreCase(scope) && isHeadOffice(userOffice);
+        for (final DueKey due : dueKeys(postingDate, others ? null : userOffice)) {
+            if (others == due.officeId().equals(userOffice)) {
+                continue;
+            }
+            if (activeReportId(due.productId(), due.officeId(), postingDate) == null) {
+                final Map<String, Object> row = new LinkedHashMap<>();
+                row.put("productId", due.productId());
+                row.put("productName", productName(due.productId()));
+                row.put("officeId", due.officeId());
+                row.put("officeName", officeName(due.officeId()));
+                row.put("postingDate", postingDate.toString());
+                final String blocked = actBlockedReason(userOffice, due.officeId(), businessDate);
+                row.put("canAct", blocked == null);
+                row.put("blockedReason", blocked);
+                out.add(row);
+            }
+        }
+        return out;
+    }
+
+    // ── who may act ──────────────────────────────────────────────────────────────────────────────
+
+    public boolean isHeadOffice(final Long officeId) {
+        final List<Long> parent = jdbcTemplate.queryForList("SELECT parent_id FROM m_office WHERE id = ?", Long.class, officeId);
+        return !parent.isEmpty() && parent.get(0) == null;
+    }
+
+    /**
+     * Whether the branch is working on the date: it opened that day, or a day it opened earlier is still
+     * not closed. A branch with yesterday's day still open is open — it closes that day and goes on.
+     */
+    public boolean branchOpenedOn(final Long officeId, final LocalDate businessDate) {
+        final Long rows = jdbcTemplate.queryForObject("""
+                SELECT COUNT(*) FROM m_branch_day_register
+                 WHERE office_id = ? AND (business_date = ? OR (closed_at IS NULL AND business_date <= ?))
+                """, Long.class, officeId, businessDate, businessDate);
+        return rows != null && rows > 0;
+    }
+
+    /** The branches, other than those given, that still have a day open on or before the date. */
+    public List<String> branchesStillOpen(final LocalDate businessDate, final Long... excludeOfficeIds) {
+        final StringBuilder sql = new StringBuilder("""
+                SELECT DISTINCT o.name FROM m_branch_day_register r JOIN m_office o ON o.id = r.office_id
+                 WHERE r.closed_at IS NULL AND r.business_date <= ?
+                """);
+        final List<Object> params = new ArrayList<>(List.of(businessDate));
+        for (final Long exclude : excludeOfficeIds) {
+            sql.append(" AND r.office_id <> ?");
+            params.add(exclude);
+        }
+        sql.append(" ORDER BY o.name");
+        return jdbcTemplate.queryForList(sql.toString(), String.class, params.toArray());
+    }
+
+    /**
+     * Null where the user may generate or approve the branch's report, otherwise why not.
+     *
+     * <p>
+     * A branch always acts for itself. The head office acts for another branch only when that branch
+     * has not opened at all, and only once every branch that did open has closed — the head office's
+     * own close being the last of the day, so nothing is taken out of a branch that may still open.
+     */
+    private String actBlockedReason(final Long userOffice, final Long reportOffice, final LocalDate businessDate) {
+        if (userOffice == null) {
+            return "No branch is set for this user.";
+        }
+        if (userOffice.equals(reportOffice)) {
+            return null;
+        }
+        final String branch = officeName(reportOffice);
+        if (!isHeadOffice(userOffice)) {
+            return "Only " + branch + " can generate or approve its own interest posting report.";
+        }
+        if (branchOpenedOn(reportOffice, businessDate)) {
+            return branch + " is open — it generates and approves its own report.";
+        }
+        final List<String> stillOpen = branchesStillOpen(businessDate, userOffice, reportOffice);
+        if (!stillOpen.isEmpty()) {
+            return "The head office can act for " + branch + " only after every open branch has closed. Still open: "
+                    + String.join(", ", stillOpen) + ".";
+        }
+        return null;
+    }
+
+    private boolean mayAct(final Long userOffice, final Long reportOffice, final LocalDate businessDate) {
+        return actBlockedReason(userOffice, reportOffice, businessDate) == null;
+    }
+
+    /** @return true where the head office is acting on a branch's behalf */
+    private boolean authorize(final AppUser user, final Long reportOffice, final LocalDate businessDate) {
+        final Long userOffice = officeOf(user);
+        final String blocked = actBlockedReason(userOffice, reportOffice, businessDate);
+        if (blocked != null) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.other.branch", blocked);
+        }
+        return !reportOffice.equals(userOffice);
+    }
+
+    private String officeName(final Long officeId) {
+        return jdbcTemplate.queryForObject("SELECT name FROM m_office WHERE id = ?", String.class, officeId);
+    }
+
+    private static Long officeOf(final AppUser user) {
+        return user == null || user.getOffice() == null ? null : user.getOffice().getId();
+    }
+
+    // ── internals ────────────────────────────────────────────────────────────────────────────────
+
+    /**
+     * Branch and product pairs with interest due on or before the date: a savings product on the
+     * daily-interest timetable whose ledger holds unpaid interest for a cycle that ends by then, in
+     * accounts belonging to that branch.
+     */
+    private List<DueKey> dueKeys(final LocalDate postingDate, final Long officeId) {
+        final StringBuilder sql = new StringBuilder("""
+                SELECT DISTINCT d.savings_product_id, COALESCE(c.office_id, g.office_id) AS office_id
+                  FROM m_savings_daily_interest d
+                  JOIN m_savings_product p ON p.id = d.savings_product_id
+                  JOIN m_savings_account sa ON sa.id = d.savings_account_id
+                  LEFT JOIN m_client c ON c.id = sa.client_id
+                  LEFT JOIN m_group g ON g.id = sa.group_id
+                  JOIN m_savings_interest_posting_schedule s ON s.savings_product_id = p.id AND s.is_active = true
+                 WHERE p.deposit_type_enum = 100
+                   AND sa.status_enum = ?
+                   AND d.posting_date <= ?
+                   AND d.savings_transaction_id IS NULL
+                   AND d.cycle_cumulative_interest > 0
+                   AND COALESCE(c.office_id, g.office_id) IS NOT NULL
+                """);
+        final List<Object> params = new ArrayList<>(List.of(ACTIVE, postingDate));
+        if (officeId != null) {
+            sql.append(" AND COALESCE(c.office_id, g.office_id) = ?");
+            params.add(officeId);
+        }
+        sql.append(" ORDER BY 2, 1");
+        return jdbcTemplate.queryForList(sql.toString(), params.toArray()).stream()
+                .map(r -> new DueKey(((Number) r.get("savings_product_id")).longValue(), ((Number) r.get("office_id")).longValue()))
+                .toList();
+    }
+
+    private Long activeReportId(final Long productId, final Long officeId, final LocalDate postingDate) {
+        final List<Long> ids = jdbcTemplate.queryForList("""
+                SELECT id FROM m_savings_interest_posting_report
+                 WHERE savings_product_id = ? AND office_id = ? AND posting_date = ? AND status <> 'SUPERSEDED'
+                """, Long.class, productId, officeId, postingDate);
+        return ids.isEmpty() ? null : ids.get(0);
+    }
+
+    private String productName(final Long productId) {
+        return jdbcTemplate.queryForObject("SELECT name FROM m_savings_product WHERE id = ?", String.class, productId);
+    }
+
+    /** Runs inside the caller's transaction. */
+    private Long generate(final Long productId, final Long officeId, final LocalDate postingDate, final String mode, final Long userId) {
+        final List<Map<String, Object>> previous = jdbcTemplate.queryForList("""
+                SELECT id, status FROM m_savings_interest_posting_report
+                 WHERE savings_product_id = ? AND office_id = ? AND posting_date = ? AND status <> 'SUPERSEDED'
+                   FOR UPDATE
+                """, productId, officeId, postingDate);
+        for (final Map<String, Object> report : previous) {
+            if (POSTED.equals(report.get("status"))) {
+                throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.already.posted",
+                        "Interest for this product and branch on " + postingDate + " has already been posted; the report cannot be"
+                                + " regenerated.");
+            }
+        }
+        jdbcTemplate.update("""
+                UPDATE m_savings_interest_posting_report SET status = 'SUPERSEDED'
+                 WHERE savings_product_id = ? AND office_id = ? AND posting_date = ? AND status IN ('GENERATED', 'APPROVED')
+                """, productId, officeId, postingDate);
+
+        final List<Map<String, Object>> due = jdbcTemplate.queryForList("""
+                SELECT d.id AS ledger_id, d.savings_account_id, d.closing_balance, d.cycle_cumulative_interest AS gross_interest,
+                       sa.account_no, COALESCE(c.display_name, g.display_name) AS client_name
+                  FROM m_savings_daily_interest d
+                  JOIN m_savings_account sa ON sa.id = d.savings_account_id
+                  LEFT JOIN m_client c ON c.id = sa.client_id
+                  LEFT JOIN m_group g ON g.id = sa.group_id
+                 WHERE d.savings_product_id = ? AND d.posting_date <= ?
+                   AND d.savings_transaction_id IS NULL
+                   AND d.cycle_cumulative_interest > 0
+                   AND sa.status_enum = ?
+                   AND COALESCE(c.office_id, g.office_id) = ?
+                 ORDER BY d.savings_account_id
+                """, productId, postingDate, ACTIVE, officeId);
+        if (due.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.nothing.due",
+                    "No interest is due for this product in this branch on " + postingDate + ".");
+        }
+
+        // The GL accounts as the product maps them now; a product missing one is refused here, before
+        // anybody approves figures that could never be posted.
+        final SavingsPooledInterestPostingService.PostingGlAccounts gls = postingService.resolvePostingGlAccounts(productId);
+
+        // Round each customer's share, then make the rounded shares add up to the rounded pool: the
+        // residual goes to the largest balance, where a paisa is proportionally smallest.
+        BigDecimal grossTotal = BigDecimal.ZERO;
+        BigDecimal roundedTotal = BigDecimal.ZERO;
+        for (final Map<String, Object> row : due) {
+            final BigDecimal gross = (BigDecimal) row.get("gross_interest");
+            final BigDecimal rounded = gross.setScale(MONEY_SCALE, MONEY_ROUNDING);
+            row.put("rounded_interest", rounded);
+            grossTotal = grossTotal.add(gross);
+            roundedTotal = roundedTotal.add(rounded);
+        }
+        final BigDecimal pooled = grossTotal.setScale(MONEY_SCALE, MONEY_ROUNDING);
+        final BigDecimal residual = pooled.subtract(roundedTotal);
+        if (residual.signum() != 0) {
+            final Map<String, Object> largest = due.stream().max(Comparator.comparing(r -> (BigDecimal) r.get("closing_balance")))
+                    .orElseThrow();
+            largest.put("rounded_interest", ((BigDecimal) largest.get("rounded_interest")).add(residual));
+        }
+
+        final Long reportId = jdbcTemplate.queryForObject("""
+                INSERT INTO m_savings_interest_posting_report
+                    (savings_product_id, office_id, posting_date, status, total_interest, account_count, payable_gl_account_id,
+                     paid_gl_account_id, generation_mode, generated_by, generated_at)
+                VALUES (?, ?, ?, 'GENERATED', ?, ?, ?, ?, ?, ?, CURRENT_TIMESTAMP)
+                RETURNING id
+                """, Long.class, productId, officeId, postingDate, pooled, due.size(), gls.payableGl(), gls.paidGl(), mode, userId);
+
+        for (final Map<String, Object> row : due) {
+            final BigDecimal before = ((BigDecimal) row.get("closing_balance")).setScale(MONEY_SCALE, MONEY_ROUNDING);
+            final BigDecimal interest = (BigDecimal) row.get("rounded_interest");
+            jdbcTemplate.update("""
+                    INSERT INTO m_savings_interest_posting_report_line
+                        (report_id, savings_account_id, account_no, client_name, office_id, interest_amount, balance_before,
+                         balance_after, ledger_id)
+                    VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?)
+                    """, reportId, row.get("savings_account_id"), row.get("account_no"), row.get("client_name"), officeId, interest,
+                    before, before.add(interest), row.get("ledger_id"));
+        }
+
+        log.info("Savings interest report {}: product {} branch {} on {} ({}) — {} across {} accounts", reportId, productId, officeId,
+                postingDate, mode, pooled, due.size());
+        return reportId;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/dailyinterest/SavingsPooledInterestPostingService.java

@@ -21,7 +21,6 @@ package org.apache.fineract.portfolio.savings.dailyinterest;
 import java.math.BigDecimal;
 import java.math.RoundingMode;
 import java.time.LocalDate;
-import java.util.Comparator;
 import java.util.List;
 import java.util.Map;
 import lombok.RequiredArgsConstructor;
@@ -29,6 +28,8 @@ import lombok.extern.slf4j.Slf4j;
 import org.apache.fineract.accounting.glaccount.validation.GLAccountTransactionGuard;
 import org.apache.fineract.accounting.journalentry.service.LedgerTransactionId;
 import org.apache.fineract.accounting.journalentry.service.LedgerTxnPrefix;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
@@ -42,21 +43,24 @@ import org.springframework.transaction.annotation.Transactional;
  * a run that dies at the halfway mark leaves some members paid and some not, and nothing anywhere
  * holds the figure that would say so.
  *
- * This settles the debt the accrual has already recognised: the product's total moves out of the
- * liability the product names as its Savings Interest Payable, into the account it is paid out of,
- * and only then to the members:
+ * The product's total is raised as an expense and credited to the liability the product names as its
+ * Savings Interest Payable, moves from there into the clearing account it is paid out of, and only
+ * then to the members:
  *
  * <pre>
- *   Dr  Savings Interest Payable   (liability, from the product)
- *   Cr  Savings Interest Paid                                         on its way out
+ *   Dr  Interest On Savings        (expense, from the product)       cash-accounted products only
+ *   Cr  Savings Interest Payable   (liability, from the product)
+ *
+ *   Dr  Savings Interest Payable
+ *   Cr  Savings Interest Paid      (liability clearing)               on its way out
  *
  *   Dr  Savings Interest Paid      (per member)
  *   Cr  Savings Control            (per member, from the product)     in the member's hands
  * </pre>
  *
- * The interest expense is not raised here. It is recognised as the interest accrues, day by day, and
- * this is the settlement of what that recognition already booked - raising the expense again at
- * payout would put the same interest on the P&amp;L twice.
+ * The payable and paid accounts each close the posting at nil, so the only lasting effect is the
+ * expense against the members' balances, and a liability report reading the payable is unaffected.
+ * The first pair is skipped for an accrual-accounted product, whose accruals already raised it.
  *
  * Every account named above is read from the product's own GL configuration; none is written into
  * this class. The payable comes from the Interest Payable row on the product's Accounting tab, and
@@ -113,231 +117,259 @@ public class SavingsPooledInterestPostingService {
      * Accounting tab, which is where a bank picks the account interest is owed from.
      */
     private static final int GL_ACCOUNTS_FOR_SAVINGS_INTEREST_PAYABLE = 17;
+    /** {@code CashAccountsForSavings.INTEREST_ON_SAVINGS} — the expense every interest posting is charged to. */
+    private static final int GL_ACCOUNTS_FOR_INTEREST_ON_SAVINGS = 3;
+    /** m_savings_product.accounting_type for cash-based accounting. */
+    private static final int ACCOUNTING_TYPE_CASH = 2;
 
     private final JdbcTemplate jdbcTemplate;
 
+    /** The payable and paid accounts a product's interest passes through. */
+    public record PostingGlAccounts(Long payableGl, Long paidGl) {}
+
     /**
-     * Posts one product's interest for one posting date.
-     *
-     * @return the amount distributed, or zero if there was nothing to do
+     * The payable and paid accounts, as the product maps them now.
      *
      * <p>
-     * REQUIRED, not REQUIRES_NEW.
+     * The product's Accounting tab is the authority: the standard Interest Payable row first, then
+     * the reserved "Savings Interest Payable" mapping. Where a product sets neither, the payable falls
+     * back to its Savings Control; the paid leg falls back to the payable, which collapses stage 1 and
+     * leaves the two-legged posting a product without these mappings has always had.
+     */
+    public PostingGlAccounts resolvePostingGlAccounts(final long productId) {
+        // All three are required. Falling back to Savings Control when one was left blank posted the
+        // interest straight from expense to the member with no payable or paid leg at all, and nobody
+        // could tell from the entries that the product had simply lost its mappings.
+        mappedGlAccount(productId, GL_ACCOUNTS_FOR_INTEREST_ON_SAVINGS);
+        final Long payableGl = firstNonNull(optionalMappedGlAccount(productId, GL_ACCOUNTS_FOR_SAVINGS_INTEREST_PAYABLE),
+                namedGlAccount(productId, MAPPING_INTEREST_PAYABLE));
+        final Long paidGl = namedGlAccount(productId, MAPPING_INTEREST_PAID);
+        if (payableGl == null || paidGl == null) {
+            final String productName = jdbcTemplate.queryForObject("SELECT name FROM m_savings_product WHERE id = ?", String.class,
+                    productId);
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.gl.not.mapped", "Savings product '"
+                    + productName + "' has no " + (payableGl == null ? "Savings Interest Payable" : "Savings Interest Paid")
+                    + " GL mapped. Set it under the product's Accounting and generate the report again.");
+        }
+        return new PostingGlAccounts(payableGl, paidGl);
+    }
+
+    /**
+     * Posts one approved interest posting report, paying each account exactly what was approved.
      *
-     * One product's failure must not roll back another's payment, and REQUIRED gives that already:
-     * the orchestrator calls this outside any transaction of its own, so each product opens and
-     * commits its own. REQUIRES_NEW would too — but it also suspends whatever transaction is
-     * running and waits for locks that transaction may hold. The accrual step immediately before
-     * writes every account's ledger row, and this method reads and updates those same rows: with
-     * REQUIRES_NEW the new transaction sat waiting for locks the caller's own thread was holding,
-     * and the job hung with nothing in the log and its currently_running flag left set.
+     * <p>
+     * A report belongs to one branch and one product, and every leg it raises is in that branch, so
+     * the branch's interest cost sits in its own P&amp;L and its payable and paid accounts close at nil
+     * in its own books:
+     *
+     * <pre>
+     *   Dr  Interest On Savings  (branch total)  →  Cr  Savings Interest Payable
+     *   Dr  Savings Interest Payable              →  Cr  Savings Interest Paid
+     *   Dr  Savings Interest Paid  (once)         →  Cr  each customer of the branch
+     * </pre>
+     *
+     * <p>
+     * Nothing is recomputed. The report's lines are the authority: interest that accrued after the
+     * report was generated is not added, because the approver signed off on these figures and not on
+     * others. The payable and paid accounts are those recorded on the report when it was generated.
+     *
+     * <p>
+     * Everything is dated the day it is actually posted — the business date — not the cycle's end: a
+     * branch that was shut on its posting date posts when it next closes, into a day that is still
+     * open, and the narration names the cycle the interest is for.
+     *
+     * <p>
+     * The whole report settles in one transaction, so a failure leaves nobody half paid and the report
+     * still APPROVED for the next attempt.
+     *
+     * @return the amount distributed
      */
     @Transactional
-    public BigDecimal postForProduct(final long productId, final LocalDate postingDate) {
-        final Long completed = jdbcTemplate.queryForObject("""
-                SELECT COUNT(*) FROM m_savings_interest_posting_run
-                 WHERE savings_product_id = ? AND posting_date = ? AND status = 'COMPLETED'
-                """, Long.class, productId, postingDate);
-        if (completed != null && completed > 0) {
-            log.info("Savings interest posting: product {} already completed for {}", productId, postingDate);
-            return BigDecimal.ZERO;
+    public BigDecimal postReport(final long reportId) {
+        final List<Map<String, Object>> reports = jdbcTemplate.queryForList("""
+                SELECT id, savings_product_id, office_id, posting_date, status, total_interest, payable_gl_account_id,
+                       paid_gl_account_id
+                  FROM m_savings_interest_posting_report
+                 WHERE id = ?
+                   FOR UPDATE
+                """, reportId);
+        if (reports.isEmpty()) {
+            throw new IllegalStateException("Savings interest posting report " + reportId + " does not exist");
+        }
+        final Map<String, Object> report = reports.get(0);
+        if (!"APPROVED".equals(report.get("status"))) {
+            throw new IllegalStateException(
+                    "Savings interest posting report " + reportId + " is " + report.get("status") + ", not APPROVED");
+        }
+        final long productId = ((Number) report.get("savings_product_id")).longValue();
+        final LocalDate cycleDate = ((java.sql.Date) report.get("posting_date")).toLocalDate();
+        final LocalDate postedOn = DateUtils.getBusinessLocalDate();
+        final BigDecimal pooled = ((BigDecimal) report.get("total_interest")).setScale(MONEY_SCALE, MONEY_ROUNDING);
+
+        final List<Map<String, Object>> lines = jdbcTemplate.queryForList("""
+                SELECT l.id AS line_id, l.savings_account_id, l.office_id, l.interest_amount, l.savings_transaction_id,
+                       sa.currency_code
+                  FROM m_savings_interest_posting_report_line l
+                  JOIN m_savings_account sa ON sa.id = l.savings_account_id
+                 WHERE l.report_id = ?
+                 ORDER BY l.savings_account_id
+                """, reportId);
+        if (lines.isEmpty()) {
+            throw new IllegalStateException("Savings interest posting report " + reportId + " has no accounts to pay");
+        }
+        final long officeId = report.get("office_id") != null ? ((Number) report.get("office_id")).longValue()
+                : ((Number) lines.get(0).get("office_id")).longValue();
+
+        final long runId = openRun(reportId, productId, officeId, cycleDate, lines.size());
+
+        final PostingGlAccounts current = resolvePostingGlAccounts(productId);
+        final Long payableGl = report.get("payable_gl_account_id") != null
+                ? ((Number) report.get("payable_gl_account_id")).longValue()
+                : current.payableGl();
+        final Long paidGl = report.get("paid_gl_account_id") != null ? ((Number) report.get("paid_gl_account_id")).longValue()
+                : current.paidGl();
+
+        final String currency = (String) lines.get(0).get("currency_code");
+        // One per report, and deterministic: a retried posting carries the same reference as the legs a
+        // failed attempt rolled back, and two branches posting the same product never share one.
+        final String reference = LedgerTransactionId.forDatedSeries(LedgerTxnPrefix.SAVINGS_INTEREST_POOLED, postedOn, reportId);
+        final String narration = "Savings interest for cycle ending " + cycleDate;
+
+        // Stage 0: the interest cost is raised and the total credited to the payable. Nothing else
+        // credits it on a cash-accounted product — the daily accrual writes no journal entry. An
+        // accrual-accounted product has already done this through its accrual postings.
+        if (isCashAccounted(productId)) {
+            final Long expenseGl = mappedGlAccount(productId, GL_ACCOUNTS_FOR_INTEREST_ON_SAVINGS);
+            journalEntry(officeId, currency, expenseGl, postedOn, pooled, true, reference, null, null, narration);
+            journalEntry(officeId, currency, payableGl, postedOn, pooled, false, reference, null, null, narration);
         }
 
-        // Every account whose posting date has arrived or passed and has not yet been paid.
-        //
-        // Read by posting_date rather than by the run date: the ledger keeps one row per account and
-        // overwrites it daily, so on the day after a quarter end the row saying "this was a posting
-        // day" no longer exists. Matching on the run date alone meant a quarter end the job did not
-        // run on was never paid at all — the cycle simply rolled over with the interest carried into
-        // it. A posting that is owed stays owed until it is made, which is how an overnight batch has
-        // to behave when a night is missed.
-        //
-        // Anything already carrying a posting transaction is skipped, so a resumed run cannot pay
-        // somebody a second time.
-        //
-        // A savings account has no office of its own: it belongs to a client, or to a group when
-        // there is no client, and the office is theirs. The journal entries have to be raised
-        // against that office or they land in the wrong branch's books.
-        final List<Map<String, Object>> due = jdbcTemplate.queryForList("""
-                SELECT d.id AS ledger_id, d.savings_account_id, d.closing_balance,
-                       d.cycle_cumulative_interest AS gross_interest,
-                       COALESCE(c.office_id, g.office_id) AS office_id, sa.currency_code,
-                       sa.currency_digits
-                  FROM m_savings_daily_interest d
-                  JOIN m_savings_account sa ON sa.id = d.savings_account_id
-                  LEFT JOIN m_client c ON c.id = sa.client_id
-                  LEFT JOIN m_group g ON g.id = sa.group_id
-                 WHERE d.savings_product_id = ? AND d.posting_date <= ?
-                   AND d.savings_transaction_id IS NULL
-                   AND d.cycle_cumulative_interest > 0
-                   AND COALESCE(c.office_id, g.office_id) IS NOT NULL
-                 ORDER BY d.savings_account_id
-                """, productId, postingDate);
-
-        if (due.isEmpty()) {
-            log.info("Savings interest posting: nothing due for product {} on {}", productId, postingDate);
-            return BigDecimal.ZERO;
-        }
-
-        final long runId = openRun(productId, postingDate, due.size());
-
-        // Round each member's share, then make the rounded shares add up. The residual is the
-        // difference between what the pool holds and what the members would otherwise receive.
-        BigDecimal grossTotal = BigDecimal.ZERO;
-        BigDecimal roundedTotal = BigDecimal.ZERO;
-        for (final Map<String, Object> row : due) {
-            final BigDecimal gross = (BigDecimal) row.get("gross_interest");
-            final BigDecimal rounded = gross.setScale(MONEY_SCALE, MONEY_ROUNDING);
-            row.put("rounded_interest", rounded);
-            grossTotal = grossTotal.add(gross);
-            roundedTotal = roundedTotal.add(rounded);
-        }
-        final BigDecimal pooled = grossTotal.setScale(MONEY_SCALE, MONEY_ROUNDING);
-        final BigDecimal residual = pooled.subtract(roundedTotal);
-
-        if (residual.compareTo(BigDecimal.ZERO) != 0) {
-            // To the largest balance: the account where a paisa is proportionally smallest.
-            final Map<String, Object> largest = due.stream()
-                    .max(Comparator.comparing(r -> (BigDecimal) r.get("closing_balance"))).orElseThrow();
-            largest.put("rounded_interest", ((BigDecimal) largest.get("rounded_interest")).add(residual));
-            log.info("Savings interest posting: residual {} assigned to account {}", residual,
-                    largest.get("savings_account_id"));
-        }
-
-        // The three accounts the bill passes through on its way to the members. Every one is read
-        // from the product's own configuration, so a bank on its own chart of accounts is posted to
-        // the accounts it chose. No GL code is named in this class.
-        //
-        // The product's Accounting tab is the authority, and it is consulted first for all three:
-        // Interest On Savings for the expense, and the standard Interest Payable row for the
-        // payable. Those are the rows a bank actually fills in on the product screen.
-        //
-        // The reserved names in the product's other GL mappings are consulted only after that, as a
-        // fallback for a product configured before Interest Payable was mapped, and for the paid leg,
-        // which has no standard row of its own.
-        //
-        // Where a product sets none of them the bill still has somewhere to go: the payable falls
-        // back to the product's Savings Control (interest owed is a liability either way), and the
-        // paid leg falls back to the payable, which collapses stage 2 and leaves the two-legged
-        // posting a product without these mappings has always had.
-        final Long payableGl = firstNonNull(optionalMappedGlAccount(productId, GL_ACCOUNTS_FOR_SAVINGS_INTEREST_PAYABLE),
-                namedGlAccount(productId, MAPPING_INTEREST_PAYABLE),
-                mappedGlAccount(productId, GL_ACCOUNTS_FOR_SAVINGS_CONTROL));
-        final Long paidGl = firstNonNull(namedGlAccount(productId, MAPPING_INTEREST_PAID), payableGl);
-
-        final Long officeId = ((Number) due.get(0).get("office_id")).longValue();
-        final String currency = (String) due.get(0).get("currency_code");
-        // Deterministic, not counter-based: a run that stops halfway is resumed rather than restarted,
-        // and the resumed legs have to carry the same reference as the legs already posted, or one
-        // interest posting ends up split across two transaction ids.
-        final String poolReference = LedgerTransactionId.forDatedSeries(LedgerTxnPrefix.SAVINGS_INTEREST_POOLED, postingDate,
-                productId);
-
-        // Stage 1: the debt the accrual has been building moves out of the payable and into the
-        // account the payout is made from, so what is still merely owed and what is on its way to
-        // the members are two separate balances rather than one.
-        //
-        // The interest expense itself is not raised here. It is recognised as the interest accrues,
-        // day by day, and posting is the settlement of that recognised debt — raising the expense
-        // again at payout would count the same interest twice on the P&L.
-        //
-        // Skipped where the product names no separate paid account: both legs then resolve to the
-        // payable and this would debit and credit one account for the same amount, saying nothing.
-        final boolean payableIsPaid = payableGl.equals(paidGl);
-        final boolean stage1Applies = !payableIsPaid;
+        // Stage 1: the total moves out of the payable and into the account the payout is made from.
+        // Skipped where both are the same account, which would debit and credit it for nothing.
+        final boolean stage1Applies = !payableGl.equals(paidGl);
         if (stage1Applies) {
-            journalEntry(officeId, currency, payableGl, postingDate, pooled, true, poolReference, null);
-            journalEntry(officeId, currency, paidGl, postingDate, pooled, false, poolReference, null);
+            journalEntry(officeId, currency, payableGl, postedOn, pooled, true, reference, null, null, narration);
+            journalEntry(officeId, currency, paidGl, postedOn, pooled, false, reference, null, null, narration);
         }
-
-        // Where stage 1 ran, the pool is now sitting in the paid account and that is what stage 2
-        // draws down. Where it did not, the pool is still in the payable, so stage 2 has to draw
-        // from there instead — debiting the paid account would take the money out of an account
-        // nothing put it into, leaving the payable standing as a debt that was in fact settled.
         final Long payoutFromGl = stage1Applies ? paidGl : payableGl;
 
-        // Stage 2: out to the members, one at a time.
+        // Stage 2: one debit for the branch's total, and under it a credit to each customer. Every leg
+        // carries the report's one transaction id, and every credit names its account and interest
+        // transaction, so who was paid what reads back from the journal alone.
+        journalEntry(officeId, currency, payoutFromGl, postedOn, pooled, true, reference, null, null, narration);
         BigDecimal distributed = BigDecimal.ZERO;
-        for (final Map<String, Object> row : due) {
-            final BigDecimal amount = (BigDecimal) row.get("rounded_interest");
-            if (amount.compareTo(BigDecimal.ZERO) <= 0) {
-                continue;
-            }
-            final long accountId = ((Number) row.get("savings_account_id")).longValue();
-            final BigDecimal newBalance = ((BigDecimal) row.get("closing_balance")).add(amount);
-            // The member's own branch, which need not be the branch the pool was raised in.
-            final long accountOfficeId = ((Number) row.get("office_id")).longValue();
-
-            final long transactionId = createInterestPostingTransaction(accountId, accountOfficeId, postingDate, amount,
-                    newBalance);
-
-            journalEntry(accountOfficeId, currency, payoutFromGl, postingDate, amount, true, poolReference,
-                    accountId);
-            creditMemberSavingsControl(accountOfficeId, currency, productId, postingDate, amount, poolReference,
-                    accountId, transactionId);
-
-            // closing_balance is raised here because the interest transaction has just been written
-            // and the accrual for this day has already run: nothing else will fold it in before the
-            // next day reads this row as its opening.
-            jdbcTemplate.update("""
-                    UPDATE m_savings_daily_interest
-                       SET posted_amount = ?, savings_transaction_id = ?, posting_run_id = ?,
-                           closing_balance = closing_balance + ?
-                     WHERE id = ?
-                    """, amount, transactionId, runId, amount, ((Number) row.get("ledger_id")).longValue());
-
-            // Both interest columns move together, and that is not a duplicate.
-            //
-            // total_interest_earned_derived is the interest the account has earned to date;
-            // total_interest_posted_derived is how much of that has been paid into the balance.
-            // Screens and validate()'s own check read the unposted interest as earned - posted, so
-            // raising only `posted` drives that difference negative: an account paid 26.52 with
-            // `earned` still at zero reports its unposted interest as -26.52, and the account screen
-            // showed exactly that. The accrual writes pending interest to the ledger and never to
-            // `earned`, so this posting is the only place `earned` is realised.
-            jdbcTemplate.update("""
-                    UPDATE m_savings_account
-                       SET account_balance_derived = COALESCE(account_balance_derived, 0) + ?,
-                           total_interest_posted_derived = COALESCE(total_interest_posted_derived, 0) + ?,
-                           total_interest_earned_derived = COALESCE(total_interest_earned_derived, 0) + ?
-                     WHERE id = ?
-                    """, amount, amount, amount, accountId);
-
-            distributed = distributed.add(amount);
+        for (final Map<String, Object> line : lines) {
+            distributed = distributed
+                    .add(payMember(line, productId, officeId, cycleDate, postedOn, currency, reference, narration, runId));
         }
 
-        // The whole point of the two control accounts: if this does not hold, nothing commits.
+        // If the credits do not add up to the debit, nothing commits.
         if (pooled.compareTo(distributed) != 0) {
             throw new IllegalStateException(String.format(
-                    "Savings interest posting for product %d on %s did not balance: pooled %s, distributed %s",
-                    productId, postingDate, pooled, distributed));
+                    "Savings interest posting report %d did not balance: total %s, distributed %s", reportId, pooled, distributed));
         }
 
+        return completeReport(reportId, productId, cycleDate, pooled, distributed, runId, lines.size());
+    }
+
+    /**
+     * One customer's credit: the interest transaction, the Savings Control credit naming the account,
+     * and the account, ledger and report line brought up to date. The branch debit is raised by the
+     * caller.
+     *
+     * @return the amount credited, zero for a line with nothing to pay
+     */
+    private BigDecimal payMember(final Map<String, Object> line, final long productId, final long officeId,
+            final LocalDate cycleDate, final LocalDate postedOn, final String currency, final String reference,
+            final String narration, final long runId) {
+        final BigDecimal amount = ((BigDecimal) line.get("interest_amount")).setScale(MONEY_SCALE, MONEY_ROUNDING);
+        if (amount.compareTo(BigDecimal.ZERO) <= 0) {
+            return BigDecimal.ZERO;
+        }
+        final long accountId = ((Number) line.get("savings_account_id")).longValue();
+
+        // A resumed or duplicated attempt must not pay anybody twice. The line itself records the
+        // payment, so this holds even where one account has two cycles posted on the same day.
+        if (line.get("savings_transaction_id") != null) {
+            throw new IllegalStateException("Savings account " + accountId + " was already paid by this report");
+        }
+
+        // The balance as it stands now, not as the report showed it: money moved since the report
+        // was generated, and the transaction's running balance has to follow the account.
+        final BigDecimal currentBalance = jdbcTemplate.queryForObject(
+                "SELECT COALESCE(account_balance_derived, 0) FROM m_savings_account WHERE id = ?", BigDecimal.class, accountId);
+        final BigDecimal newBalance = currentBalance.add(amount);
+
+        final long transactionId = createInterestPostingTransaction(accountId, officeId, postedOn, amount, newBalance);
+
+        final Long savingsControlGl = mappedGlAccount(productId, GL_ACCOUNTS_FOR_SAVINGS_CONTROL);
+        journalEntry(officeId, currency, savingsControlGl, postedOn, amount, false, reference, accountId, transactionId, narration);
+
+        // Settles the ledger row where it still holds the cycle the report was drawn from. Where the
+        // nightly run has already moved it into the next cycle — a branch that was shut on its posting
+        // date and posts days later — that row is the new cycle's and must not be marked paid; it only
+        // takes the money, because the next day's accrual opens from its closing balance.
+        final int settled = jdbcTemplate.update("""
+                UPDATE m_savings_daily_interest
+                   SET posted_amount = ?, savings_transaction_id = ?, posting_run_id = ?,
+                       closing_balance = closing_balance + ?
+                 WHERE savings_account_id = ? AND savings_transaction_id IS NULL AND posting_date = ?
+                """, amount, transactionId, runId, amount, accountId, cycleDate);
+        if (settled == 0) {
+            jdbcTemplate.update("UPDATE m_savings_daily_interest SET closing_balance = closing_balance + ? WHERE savings_account_id = ?",
+                    amount, accountId);
+        }
+
+        // Earned is only ever raised to what has now been posted, never added to: the engine may
+        // already have counted this interest as earned when the account was last recalculated,
+        // and adding on top of that doubled it (1.37 paid showed as 2.74 earned). Screens read the
+        // unposted interest as earned - posted, so earned must not fall below posted either.
+        jdbcTemplate.update("""
+                UPDATE m_savings_account
+                   SET account_balance_derived = COALESCE(account_balance_derived, 0) + ?,
+                       total_interest_posted_derived = COALESCE(total_interest_posted_derived, 0) + ?,
+                       total_interest_earned_derived = GREATEST(COALESCE(total_interest_earned_derived, 0),
+                                                                COALESCE(total_interest_posted_derived, 0) + ?)
+                 WHERE id = ?
+                """, amount, amount, amount, accountId);
+
+        jdbcTemplate.update("UPDATE m_savings_interest_posting_report_line SET savings_transaction_id = ? WHERE id = ?",
+                transactionId, ((Number) line.get("line_id")).longValue());
+
+        return amount;
+    }
+
+    private BigDecimal completeReport(final long reportId, final long productId, final LocalDate cycleDate, final BigDecimal pooled,
+            final BigDecimal distributed, final long runId, final int accountCount) {
         jdbcTemplate.update("""
                 UPDATE m_savings_interest_posting_run
-                   SET pooled_amount = ?, distributed_amount = ?, rounding_residual = ?,
+                   SET pooled_amount = ?, distributed_amount = ?, rounding_residual = 0,
                        status = 'COMPLETED', completed_at = CURRENT_TIMESTAMP
                  WHERE id = ?
-                """, pooled, distributed, residual, runId);
+                """, pooled, distributed, runId);
+        jdbcTemplate.update("""
+                UPDATE m_savings_interest_posting_report
+                   SET status = 'POSTED', posted_at = CURRENT_TIMESTAMP, posting_run_id = ?, failure_reason = NULL
+                 WHERE id = ?
+                """, runId, reportId);
 
-        log.info("Savings interest posting: product {} on {} paid {} across {} accounts (residual {})", productId,
-                postingDate, distributed, due.size(), residual);
+        log.info("Savings interest posting: report {} (product {}, cycle {}) paid {} across {} accounts", reportId, productId,
+                cycleDate, distributed, accountCount);
         return distributed;
     }
 
-    private long openRun(final long productId, final LocalDate postingDate, final int accountCount) {
+    /** One run per report. A retry of the same report reuses its run. */
+    private long openRun(final long reportId, final long productId, final long officeId, final LocalDate cycleDate,
+            final int accountCount) {
         jdbcTemplate.update("""
                 INSERT INTO m_savings_interest_posting_run
-                    (savings_product_id, posting_date, account_count, status)
-                VALUES (?, ?, ?, 'PENDING')
-                ON CONFLICT (savings_product_id, posting_date) DO UPDATE SET
+                    (report_id, savings_product_id, office_id, posting_date, account_count, status)
+                VALUES (?, ?, ?, ?, ?, 'PENDING')
+                ON CONFLICT (report_id) DO UPDATE SET
                     account_count = EXCLUDED.account_count, status = 'PENDING',
                     started_at = CURRENT_TIMESTAMP, failure_reason = NULL
-                """, productId, postingDate, accountCount);
-        return jdbcTemplate.queryForObject("""
-                SELECT id FROM m_savings_interest_posting_run
-                 WHERE savings_product_id = ? AND posting_date = ?
-                """, Long.class, productId, postingDate);
+                """, reportId, productId, officeId, cycleDate, accountCount);
+        return jdbcTemplate.queryForObject("SELECT id FROM m_savings_interest_posting_run WHERE report_id = ?", Long.class, reportId);
     }
 
     private long createInterestPostingTransaction(final long accountId, final long officeId, final LocalDate date,
@@ -357,19 +389,6 @@ public class SavingsPooledInterestPostingService {
                 """, Long.class, accountId, date, INTEREST_POSTING);
     }
 
-    /** The member's own leg: the product's Savings Control account, credited per account. */
-    private void creditMemberSavingsControl(final long officeId, final String currency, final long productId,
-            final LocalDate date, final BigDecimal amount, final String reference, final long accountId,
-            final long transactionId) {
-        final Long savingsControlGl = mappedGlAccount(productId, GL_ACCOUNTS_FOR_SAVINGS_CONTROL);
-        journalEntry(officeId, currency, savingsControlGl, date, amount, false, reference, accountId, transactionId);
-    }
-
-    private void journalEntry(final long officeId, final String currency, final Long glAccountId, final LocalDate date,
-            final BigDecimal amount, final boolean debit, final String reference, final Long savingsAccountId) {
-        journalEntry(officeId, currency, glAccountId, date, amount, debit, reference, savingsAccountId, null);
-    }
-
     /**
      * One journal entry leg.
      *
@@ -384,7 +403,7 @@ public class SavingsPooledInterestPostingService {
      */
     private void journalEntry(final long officeId, final String currency, final Long glAccountId, final LocalDate date,
             final BigDecimal amount, final boolean debit, final String reference, final Long savingsAccountId,
-            final Long transactionId) {
+            final Long transactionId, final String narration) {
         GLAccountTransactionGuard.assertPostable(jdbcTemplate, glAccountId);
         jdbcTemplate.update("""
                 INSERT INTO acc_gl_journal_entry
@@ -395,8 +414,7 @@ public class SavingsPooledInterestPostingService {
                      created_on_utc, last_modified_on_utc, submitted_on_date)
                 VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, false, ?, false, false, 0, 0, ?, ?,
                         CURRENT_TIMESTAMP, CURRENT_TIMESTAMP, CURRENT_TIMESTAMP, CURRENT_TIMESTAMP, ?)
-                """, officeId, glAccountId, currency, reference, date, date, debit ? 2 : 1, amount,
-                debit ? "Savings interest posting" : "Savings interest posted",
+                """, officeId, glAccountId, currency, reference, date, date, debit ? 2 : 1, amount, narration,
                 savingsAccountId == null ? null : ENTITY_TYPE_SAVINGS, savingsAccountId, transactionId,
                 systemUserId(), systemUserId(), date);
     }
@@ -487,6 +505,12 @@ public class SavingsPooledInterestPostingService {
     }
 
     /** The first configured account of those given, in order of preference. */
+    private boolean isCashAccounted(final long productId) {
+        final Integer accountingType = jdbcTemplate.queryForObject("SELECT accounting_type FROM m_savings_product WHERE id = ?",
+                Integer.class, productId);
+        return accountingType != null && accountingType == ACCOUNTING_TYPE_CASH;
+    }
+
     private static Long firstNonNull(final Long... candidates) {
         for (final Long candidate : candidates) {
             if (candidate != null) {

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

@@ -0,0 +1,214 @@
+/**
+ * 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.dailyinterest.api;
+
+import com.google.gson.Gson;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.sql.Timestamp;
+import java.time.LocalDate;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.savings.dailyinterest.SavingsInterestPostingReportService;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.stereotype.Component;
+
+/**
+ * The savings interest posting reports, per branch and product: list, detail, generate, approve, the
+ * day-close check, and the head office's branch-wise summary.
+ *
+ * <p>
+ * Posting is not offered here. A branch's approved reports are posted when that branch closes the
+ * day, so there is exactly one way money leaves the payable.
+ */
+@Path("/v1/savingsinterestpostingreports")
+@Component
+@RequiredArgsConstructor
+@Produces({ MediaType.APPLICATION_JSON })
+public class SavingsInterestPostingReportApiResource {
+
+    private static final String RESOURCE = "SAVINGSINTERESTREPORT";
+
+    private final SavingsInterestPostingReportService reportService;
+    private final PlatformSecurityContext context;
+    private final FromJsonHelper fromJsonHelper;
+    private final Gson gson = new Gson();
+
+    /** A branch user sees their own branch; a head office user every branch, or one with officeId. */
+    @GET
+    public String list(@QueryParam("postingDate") final String postingDate, @QueryParam("status") final String status,
+            @QueryParam("productId") final Long productId, @QueryParam("officeId") final Long officeId,
+            @QueryParam("scope") final String scope) {
+        final AppUser user = context.authenticatedUser();
+        user.validateHasReadPermission(RESOURCE);
+        return gson.toJson(reportService.list(parseDate(postingDate), status, productId, officeId, scope, user).stream().map(this::plain).toList());
+    }
+
+    /** Who is looking: their branch, and whether it is the head office (which gets the Other branches tab). */
+    @GET
+    @Path("/context")
+    public String userContext() {
+        final AppUser user = context.authenticatedUser();
+        final Long officeId = user.getOffice().getId();
+        final Map<String, Object> result = new LinkedHashMap<>();
+        result.put("officeId", officeId);
+        result.put("officeName", user.getOffice().getName());
+        result.put("headOffice", reportService.isHeadOffice(officeId));
+        return gson.toJson(result);
+    }
+
+    /** Branch and product pairs with interest due by the date and no report yet, that this user may generate. */
+    @GET
+    @Path("/due-without-report")
+    public String dueWithoutReport(@QueryParam("postingDate") final String postingDate, @QueryParam("scope") final String scope) {
+        final AppUser user = context.authenticatedUser();
+        user.validateHasReadPermission(RESOURCE);
+        final LocalDate date = postingDate == null || postingDate.isBlank() ? DateUtils.getBusinessLocalDate() : parseDate(postingDate);
+        return gson.toJson(reportService.dueWithoutReport(date, user, scope));
+    }
+
+    /**
+     * What stops a branch closing the business day: its own reports due and not yet approved. The
+     * day-close screen reads it to warn before the close is attempted.
+     */
+    @GET
+    @Path("/day-close-check")
+    public String dayCloseCheck(@QueryParam("date") final String date, @QueryParam("officeId") final Long officeIdParam) {
+        final AppUser user = context.authenticatedUser();
+        final LocalDate businessDate = date == null || date.isBlank() ? DateUtils.getBusinessLocalDate() : parseDate(date);
+        final Long officeId = officeIdParam != null ? officeIdParam : user.getOffice().getId();
+        final List<String> blocking = reportService.reportsBlockingDayClose(officeId, businessDate);
+        final Map<String, Object> result = new LinkedHashMap<>();
+        result.put("businessDate", businessDate.toString());
+        result.put("canClose", blocking.isEmpty());
+        result.put("pendingProducts", blocking);
+        return gson.toJson(result);
+    }
+
+    /** Interest each account has earned so far this cycle, as if posted today. View only — nothing is saved. */
+    @GET
+    @Path("/preview")
+    public String preview(@QueryParam("officeId") final Long officeId) {
+        final AppUser user = context.authenticatedUser();
+        user.validateHasReadPermission(RESOURCE);
+        return gson.toJson(reportService.preview(officeId, user).stream().map(this::plain).toList());
+    }
+
+    /** The head office's view: per branch and product, customers paid and interest, over a date range. */
+    @GET
+    @Path("/summary")
+    public String summary(@QueryParam("fromDate") final String fromDate, @QueryParam("toDate") final String toDate,
+            @QueryParam("productId") final Long productId) {
+        final AppUser user = context.authenticatedUser();
+        user.validateHasReadPermission(RESOURCE);
+        if (!reportService.isHeadOffice(user.getOffice().getId())) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.summary.head.office.only",
+                    "The branch-wise interest summary is for the head office.");
+        }
+        return gson.toJson(reportService.summary(parseDate(fromDate), parseDate(toDate), productId).stream().map(this::plain).toList());
+    }
+
+    @GET
+    @Path("/{reportId}")
+    public String detail(@PathParam("reportId") final Long reportId) {
+        context.authenticatedUser().validateHasReadPermission(RESOURCE);
+        final Map<String, Object> report = plain(reportService.detail(reportId));
+        @SuppressWarnings("unchecked")
+        final List<Map<String, Object>> lines = (List<Map<String, Object>>) report.get("lines");
+        report.put("lines", lines.stream().map(this::plain).toList());
+        return gson.toJson(report);
+    }
+
+    /** {@code ?command=regenerate} with {@code {"productId": .., "officeId": .., "postingDate": "yyyy-MM-dd"}}. */
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    public String command(@QueryParam("command") final String command, final String body) {
+        if (!"regenerate".equalsIgnoreCase(command)) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.unknown.command",
+                    "Unsupported command: " + command);
+        }
+        final AppUser user = context.authenticatedUser();
+        user.validateHasPermissionTo("REGENERATE_" + RESOURCE);
+        final var root = fromJsonHelper.parse(body);
+        final Long productId = fromJsonHelper.extractLongNamed("productId", root);
+        final Long officeIdParam = fromJsonHelper.extractLongNamed("officeId", root);
+        final String postingDate = fromJsonHelper.extractStringNamed("postingDate", root);
+        if (productId == null) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.product.required", "Which product?");
+        }
+        final Long officeId = officeIdParam != null ? officeIdParam : user.getOffice().getId();
+        final LocalDate date = postingDate == null || postingDate.isBlank() ? DateUtils.getBusinessLocalDate() : parseDate(postingDate);
+        final Long reportId = reportService.regenerate(productId, officeId, date, user);
+        return gson.toJson(Map.of("reportId", reportId, "status", SavingsInterestPostingReportService.GENERATED));
+    }
+
+    /** {@code ?command=approve}. The report's own branch approves it; see the service for the head office's one exception. */
+    @POST
+    @Path("/{reportId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    public String reportCommand(@PathParam("reportId") final Long reportId, @QueryParam("command") final String command) {
+        if (!"approve".equalsIgnoreCase(command)) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.unknown.command",
+                    "Unsupported command: " + command);
+        }
+        final AppUser user = context.authenticatedUser();
+        user.validateHasPermissionTo("APPROVE_" + RESOURCE);
+        reportService.approve(reportId, user);
+        return gson.toJson(Map.of("reportId", reportId, "status", SavingsInterestPostingReportService.APPROVED));
+    }
+
+    private static LocalDate parseDate(final String raw) {
+        if (raw == null || raw.isBlank()) {
+            return null;
+        }
+        try {
+            return LocalDate.parse(raw.trim());
+        } catch (final RuntimeException e) {
+            throw new PlatformDataIntegrityException("error.msg.savingsinterestreport.invalid.date",
+                    "Dates are expected as yyyy-MM-dd, not " + raw);
+        }
+    }
+
+    /** JDBC dates and timestamps as ISO strings; Gson would otherwise write them in its own locale format. */
+    private Map<String, Object> plain(final Map<String, Object> row) {
+        final Map<String, Object> out = new LinkedHashMap<>();
+        row.forEach((key, value) -> {
+            if (value instanceof java.sql.Date d) {
+                out.put(key, d.toLocalDate().toString());
+            } else if (value instanceof Timestamp t) {
+                out.put(key, t.toLocalDateTime().toString());
+            } else {
+                out.put(key, value);
+            }
+        });
+        return out;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/dailyinterest/jobs/SavingsInterestPostingReportConfig.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.savings.dailyinterest.jobs;
+
+import org.apache.fineract.infrastructure.jobs.service.JobName;
+import org.springframework.batch.core.Job;
+import org.springframework.batch.core.Step;
+import org.springframework.batch.core.job.builder.JobBuilder;
+import org.springframework.batch.core.launch.support.RunIdIncrementer;
+import org.springframework.batch.core.repository.JobRepository;
+import org.springframework.batch.core.step.builder.StepBuilder;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.context.annotation.Bean;
+import org.springframework.context.annotation.Configuration;
+import org.springframework.transaction.PlatformTransactionManager;
+
+@Configuration
+public class SavingsInterestPostingReportConfig {
+
+    @Autowired
+    private JobRepository jobRepository;
+    @Autowired
+    private PlatformTransactionManager transactionManager;
+
+    @Bean
+    protected Step savingsInterestPostingReportStep(SavingsInterestPostingReportTasklet savingsInterestPostingReportTasklet) {
+        return new StepBuilder(JobName.SAVINGS_INTEREST_POSTING_REPORT.name(), jobRepository)
+                .tasklet(savingsInterestPostingReportTasklet, transactionManager).build();
+    }
+
+    @Bean
+    public Job savingsInterestPostingReportJob(SavingsInterestPostingReportTasklet savingsInterestPostingReportTasklet) {
+        return new JobBuilder(JobName.SAVINGS_INTEREST_POSTING_REPORT.name(), jobRepository)
+                .start(savingsInterestPostingReportStep(savingsInterestPostingReportTasklet)).incrementer(new RunIdIncrementer())
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/dailyinterest/jobs/SavingsInterestPostingReportTasklet.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.savings.dailyinterest.jobs;
+
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.portfolio.savings.dailyinterest.SavingsInterestPostingReportService;
+import org.springframework.batch.core.StepContribution;
+import org.springframework.batch.core.scope.context.ChunkContext;
+import org.springframework.batch.core.step.tasklet.Tasklet;
+import org.springframework.batch.repeat.RepeatStatus;
+import org.springframework.stereotype.Component;
+
+/**
+ * Noon on the business date: generates the interest posting report for every savings product whose
+ * interest falls due, so it can be reviewed and approved before the branches close the day.
+ */
+@RequiredArgsConstructor
+@Component
+public class SavingsInterestPostingReportTasklet implements Tasklet {
+
+    private final SavingsInterestPostingReportService reportService;
+
+    @Override
+    public RepeatStatus execute(StepContribution contribution, ChunkContext chunkContext) throws Exception {
+        reportService.generateDue(DateUtils.getBusinessLocalDate());
+        return RepeatStatus.FINISHED;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/data/DepositAccountTransactionDataValidator.java

@@ -77,10 +77,13 @@ public class DepositAccountTransactionDataValidator {
             Arrays.asList(DepositsApiConstants.localeParamName, DepositsApiConstants.dateFormatParamName, closedOnDateParamName,
                     DepositsApiConstants.noteParamName, onAccountClosureIdParamName, paymentTypeIdParamName,
                     transactionAccountNumberParamName, checkNumberParamName, routingCodeParamName, receiptNumberParamName,
-                    bankNumberParamName, DepositsApiConstants.transferDescriptionParamName, toSavingsAccountIdParamName));
+                    bankNumberParamName, DepositsApiConstants.transferDescriptionParamName, toSavingsAccountIdParamName,
+                    DepositsApiConstants.toGlAccountIdParamName, DepositsApiConstants.waivePreClosurePenaltyParamName,
+                    DepositsApiConstants.prematureClosureReasonIdParamName));
 
-    private static final Set<String> DEPOSIT_ACCOUNT_PRE_MATURE_CALCULATION_REQUEST_DATA_PARAMETERS = new HashSet<>(
-            Arrays.asList(DepositsApiConstants.localeParamName, DepositsApiConstants.dateFormatParamName, closedOnDateParamName));
+    private static final Set<String> DEPOSIT_ACCOUNT_PRE_MATURE_CALCULATION_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(
+            DepositsApiConstants.localeParamName, DepositsApiConstants.dateFormatParamName, closedOnDateParamName,
+            DepositsApiConstants.waivePreClosurePenaltyParamName, DepositsApiConstants.prematureClosureReasonIdParamName));
 
     private static final Set<String> DEPOSIT_ACCOUNT_PAYMENT_REQUEST_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList(DepositsApiConstants.localeParamName, DepositsApiConstants.dateFormatParamName, closedOnDateParamName,
@@ -245,6 +248,25 @@ public class DepositAccountTransactionDataValidator {
             } else if (accountOnClosureType.isReinvest() && isPreMatureClose) {
                 baseDataValidator.reset().parameter(onAccountClosureIdParamName).value(onAccountClosureId)
                         .failWithCode("reinvest.not.allowed", "Re-Invest is not supported for account pre mature close");
+            } else if (accountOnClosureType.isTransferToGl()) {
+                // Only the FD premature-closure handler books the GL leg. Offering it anywhere else would
+                // fall through to that handler's terminal "withdraw the whole balance" case and silently pay
+                // the deposit out in cash, which is exactly what the partial.reinvest guard above prevents.
+                if (!isPreMatureClose || !DepositAccountType.FIXED_DEPOSIT.equals(depositAccountType)) {
+                    baseDataValidator.reset().parameter(onAccountClosureIdParamName).value(onAccountClosureId).failWithCode(
+                            "transfer.to.gl.not.allowed",
+                            "Transfer to a GL account is only supported for fixed-deposit premature closure");
+                }
+                final Long toGlAccountId = this.fromApiJsonHelper.extractLongNamed(DepositsApiConstants.toGlAccountIdParamName, element);
+                baseDataValidator.reset().parameter(DepositsApiConstants.toGlAccountIdParamName).value(toGlAccountId)
+                        .cantBeBlankWhenParameterProvidedIs(onAccountClosureIdParamName, accountOnClosureType.getCode());
+            } else if (accountOnClosureType.isWithdarwDeposit() && isPreMatureClose) {
+                // Premature closure proceeds have to be traceable into a savings account, so the cash payout
+                // is not offered in the preview (see DepositAccountPreMatureCalculationPlatformServiceImpl)
+                // and is refused here as well -- otherwise a direct API call could still take the cash route.
+                baseDataValidator.reset().parameter(onAccountClosureIdParamName).value(onAccountClosureId).failWithCode(
+                        "withdraw.deposit.not.allowed",
+                        "Paying the deposit out in cash is not supported for account pre mature close -- transfer it to a savings account");
             }
         }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/DepositAccountDomainServiceJpa.java

@@ -19,10 +19,14 @@
 package org.apache.fineract.portfolio.savings.domain;
 
 import static org.apache.fineract.portfolio.savings.DepositsApiConstants.onAccountClosureIdParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.prematureClosureReasonIdParamName;
 import static org.apache.fineract.portfolio.savings.DepositsApiConstants.reinvestAmountParamName;
 import static org.apache.fineract.portfolio.savings.DepositsApiConstants.toSavingsAccountIdParamName;
 import static org.apache.fineract.portfolio.savings.DepositsApiConstants.transferDescriptionParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.waivePreClosurePenaltyParamName;
 
+import com.google.gson.JsonArray;
+import com.google.gson.JsonObject;
 import java.math.BigDecimal;
 import java.math.MathContext;
 import java.time.LocalDate;
@@ -36,6 +40,7 @@ import java.util.Locale;
 import java.util.Map;
 import java.util.Set;
 import lombok.RequiredArgsConstructor;
+import org.apache.fineract.accounting.common.AccountingConstants;
 import org.apache.fineract.accounting.journalentry.service.JournalEntryWritePlatformService;
 import org.apache.fineract.infrastructure.accountnumberformat.domain.AccountNumberFormat;
 import org.apache.fineract.infrastructure.accountnumberformat.domain.AccountNumberFormatRepositoryWrapper;
@@ -46,6 +51,7 @@ import org.apache.fineract.infrastructure.core.domain.ExternalId;
 import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.apache.fineract.infrastructure.core.service.DateUtils;
 import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
 import org.apache.fineract.portfolio.account.PortfolioAccountType;
 import org.apache.fineract.portfolio.account.data.AccountTransferDTO;
 import org.apache.fineract.portfolio.account.domain.AccountTransferType;
@@ -65,6 +71,7 @@ import org.apache.fineract.portfolio.paymentdetail.domain.PaymentDetail;
 import org.apache.fineract.portfolio.savings.DepositAccountOnClosureType;
 import org.apache.fineract.portfolio.savings.DepositAccountType;
 import org.apache.fineract.portfolio.savings.DepositsApiConstants;
+import org.apache.fineract.portfolio.savings.PrematureClosureReasonType;
 import org.apache.fineract.portfolio.savings.SavingsApiConstants;
 import org.apache.fineract.portfolio.savings.SavingsPeriodFrequencyType;
 import org.apache.fineract.portfolio.savings.SavingsTransactionBooleanValues;
@@ -72,7 +79,9 @@ import org.apache.fineract.portfolio.savings.data.FdInterestRateEffectiveData;
 import org.apache.fineract.portfolio.savings.data.FdInterestRateSlabData;
 import org.apache.fineract.portfolio.savings.service.FdBaseInterestRateReadPlatformService;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService;
+import org.apache.fineract.portfolio.tds.service.SavingsInterestTdsService;
 import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
@@ -93,6 +102,9 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
     private final FixedDepositRenewalHistoryRepository fixedDepositRenewalHistoryRepository;
     private final FixedDepositRenewalChartSlabHistoryRepository fixedDepositRenewalChartSlabHistoryRepository;
     private final FdBaseInterestRateReadPlatformService fdBaseInterestRateReadPlatformService;
+    private final FromJsonHelper fromApiJsonHelper;
+    private final JdbcTemplate jdbcTemplate;
+    private final SavingsInterestTdsService savingsInterestTdsService;
 
     @Transactional
     @Override
@@ -267,9 +279,13 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
             updateAlreadyPostedTransactions(existingTransactionIds, account);
             postJournalEntries(account, existingTransactionIds, existingReversedTransactionIds, isAccountTransfer);
         } else {
+            // Paid out in cash or to a GL, so the interest never reaches savings: TDS is tracked and taken here.
+            final SavingsInterestTdsService.DirectPayout tds = this.savingsInterestTdsService.deductOnDirectPayout(account, closedDate,
+                    directPayoutKind(onClosureType));
             final SavingsAccountTransaction withdrawal = this.handleWithdrawal(account, fmt, closedDate, account.getAccountBalance(),
                     paymentDetail, false, isRegularTransaction);
             savingsTransactionId = withdrawal.getId();
+            this.savingsInterestTdsService.recordDirectPayout(tds, withdrawal, existingTransactionIds);
         }
 
         account.close(user, command, changes);
@@ -390,10 +406,13 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
             account.updateClosedStatus();
             account.updateOnAccountClosureStatus(onClosureType);
         } else {
+            final SavingsInterestTdsService.DirectPayout tds = this.savingsInterestTdsService.deductOnDirectPayout(account, closedDate,
+                    directPayoutKind(onClosureType));
             final SavingsAccountTransaction withdrawal = this.handleWithdrawal(account, fmt, closedDate, account.getAccountBalance(),
                     paymentDetail, false, isRegularTransaction);
             savingsTransactionId = withdrawal.getId();
             updateAlreadyPostedTransactions(existingTransactionIds, account);
+            this.savingsInterestTdsService.recordDirectPayout(tds, withdrawal, existingTransactionIds);
         }
 
         // if(!processMaturityInstructionOnly)
@@ -473,9 +492,12 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
             this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO);
             updateAlreadyPostedTransactions(existingTransactionIds, account);
         } else {
+            final SavingsInterestTdsService.DirectPayout tds = this.savingsInterestTdsService.deductOnDirectPayout(account, closedDate,
+                    directPayoutKind(onClosureType));
             final SavingsAccountTransaction withdrawal = this.handleWithdrawal(account, fmt, closedDate, account.getAccountBalance(),
                     paymentDetail, false, isRegularTransaction);
             savingsTransactionId = withdrawal.getId();
+            this.savingsInterestTdsService.recordDirectPayout(tds, withdrawal, existingTransactionIds);
         }
 
         account.close(user, command, changes);
@@ -812,6 +834,18 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
         final DateTimeFormatter fmt = DateTimeFormatter.ofPattern(command.dateFormat()).withLocale(locale);
         Long savingsTransactionId = null;
 
+        // Maker's own "waive penalty" choice on the Premature Close dialog, not the product's stored
+        // preClosurePenalApplicable config -- this is a one-time override for this closure only, read
+        // fresh here since the preview and the actual submit are two separate requests.
+        final boolean waivePreClosurePenalty = command.hasParameter(waivePreClosurePenaltyParamName)
+                && command.booleanPrimitiveValueOfParameterNamed(waivePreClosurePenaltyParamName);
+        // RBI-mandated waiver reasons waive the penalty regardless of the manual checkbox above -- see
+        // PrematureClosureReasonType. Enforced here (not just trusted from the client) so the actual
+        // closure always matches what the preview showed for the same reason.
+        final PrematureClosureReasonType prematureClosureReason = PrematureClosureReasonType
+                .fromInt(command.integerValueOfParameterNamed(prematureClosureReasonIdParamName));
+        account.setWaivePreClosurePenaltyForThisRequest(waivePreClosurePenalty || prematureClosureReason.isAutoWaived());
+
         // post interest
         account.postPreMaturityInterest(closedDate, isPreMatureClosure, isSavingsInterestPostingAtCurrentPeriodEnd,
                 financialYearBeginningMonth);
@@ -831,13 +865,34 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
                     toSavingsAccount, account, isRegularTransaction, isExceptionForBalanceCheck);
             this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO);
             updateAlreadyPostedTransactions(existingTransactionIds, account);
+        } else if (closureType.isTransferToGl()) {
+            final Long toGlAccountId = command.longValueOfParameterNamed(DepositsApiConstants.toGlAccountIdParamName);
+            // Taken before the proceeds are read, so the GL receives the payout net of TDS.
+            final SavingsInterestTdsService.DirectPayout tds = this.savingsInterestTdsService.deductOnDirectPayout(account, closedDate,
+                    "GL");
+            final BigDecimal proceeds = account.getAccountBalance();
+            // Declared as an account transfer so the withdrawal's own entry credits the Liability Transfer
+            // account rather than cash/vault -- nothing is paid over the counter here. The offset below then
+            // moves it out of there into the GL the maker picked, leaving Liability Transfer at nil and the
+            // net posting as Dr Savings Control / Cr chosen GL.
+            final boolean isInternalTransfer = true;
+            final SavingsAccountTransaction withdrawal = this.handleWithdrawal(account, fmt, closedDate, proceeds, paymentDetail, false,
+                    isRegularTransaction, isInternalTransfer);
+            savingsTransactionId = withdrawal.getId();
+            updateAlreadyPostedTransactions(existingTransactionIds, account);
+            this.savingsInterestTdsService.recordDirectPayout(tds, withdrawal, existingTransactionIds);
+            postClosureProceedsToGlAccount(account, toGlAccountId, proceeds, closedDate,
+                    command.stringValueOfParameterNamed(transferDescriptionParamName));
         } else {
+            final SavingsInterestTdsService.DirectPayout tds = this.savingsInterestTdsService.deductOnDirectPayout(account, closedDate,
+                    "CASH");
             final SavingsAccountTransaction withdrawal = this.handleWithdrawal(account, fmt, closedDate, account.getAccountBalance(),
                     paymentDetail, false, isRegularTransaction);
             savingsTransactionId = withdrawal.getId();
             // handleWithdrawal() posts this withdrawal's journal entries itself, so mark it as already
             // accounted for or the postJournalEntries() call below posts it a second time.
             updateAlreadyPostedTransactions(existingTransactionIds, account);
+            this.savingsInterestTdsService.recordDirectPayout(tds, withdrawal, existingTransactionIds);
         }
 
         account.prematureClosure(user, command, changes);
@@ -848,6 +903,81 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
         return savingsTransactionId;
     }
 
+    /**
+     * Moves a premature closure's proceeds out of Liability Transfer and into the GL account the maker picked:
+     * Dr the Liability Transfer account / Cr that GL account.
+     * <p>
+     * The withdrawal booked immediately before this was declared an account transfer, so the accounting engine
+     * has already credited Liability Transfer for the same amount -- this entry clears it, leaving the pair
+     * netting to Dr Savings Control / Cr the chosen GL, and Liability Transfer back at nil. Posted through the real
+     * createJournalEntry command rather than written straight to the ledger, so it reverses, reports and
+     * reconciles exactly like any other manual entry.
+     */
+    private void postClosureProceedsToGlAccount(final SavingsAccount account, final Long toGlAccountId, final BigDecimal amount,
+            final LocalDate closedDate, final String description) {
+
+        final Long suspenseGlAccountId = liabilityTransferGlAccountId();
+
+        final JsonObject debitEntry = new JsonObject();
+        debitEntry.addProperty("glAccountId", suspenseGlAccountId);
+        debitEntry.addProperty("amount", amount);
+        final JsonArray debits = new JsonArray();
+        debits.add(debitEntry);
+
+        final JsonObject creditEntry = new JsonObject();
+        creditEntry.addProperty("glAccountId", toGlAccountId);
+        creditEntry.addProperty("amount", amount);
+        final JsonArray credits = new JsonArray();
+        credits.add(creditEntry);
+
+        final StringBuilder comments = new StringBuilder("Premature closure of fixed deposit ").append(account.getAccountNumber());
+        if (description != null && !description.isBlank()) {
+            comments.append(" -- ").append(description);
+        }
+
+        final String dateFormat = "dd MMMM yyyy";
+        final JsonObject payload = new JsonObject();
+        payload.addProperty("officeId", account.officeId());
+        payload.addProperty("transactionDate", closedDate.format(DateTimeFormatter.ofPattern(dateFormat, Locale.ENGLISH)));
+        payload.addProperty("dateFormat", dateFormat);
+        payload.addProperty("locale", "en");
+        payload.addProperty("currencyCode", account.getCurrency().getCode());
+        payload.addProperty("comments", comments.toString());
+        payload.add("debits", debits);
+        payload.add("credits", credits);
+
+        final String json = payload.toString();
+        final JsonCommand journalEntryCommand = JsonCommand.from(json, this.fromApiJsonHelper.parse(json), this.fromApiJsonHelper, null,
+                null, null, null, null, null, null, null, null, null, null, null, null, null);
+        this.journalEntryWritePlatformService.createJournalEntry(journalEntryCommand);
+    }
+
+    /**
+     * The GL account the withdrawal above credited, and therefore the exact account this entry has to debit
+     * to clear it.
+     * <p>
+     * It is the organisation-wide Liability Transfer financial activity, NOT the product's own Transfers In
+     * Suspense mapping: {@code CashBasedAccountingProcessorForSavings} books an account-transfer withdrawal
+     * as Dr Savings Control / Cr {@code FinancialActivity.LIABILITY_TRANSFER}. Debiting the product mapping
+     * instead leaves the credit standing in Liability Transfer for ever while the two legs of this entry
+     * collapse onto whichever account that mapping names.
+     * <p>
+     * Refusing outright when it is unmapped is deliberate: silently picking another account would put the
+     * closure's money somewhere nobody chose.
+     */
+    private Long liabilityTransferGlAccountId() {
+        final List<Long> glAccountIds = this.jdbcTemplate.queryForList(
+                "SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ? ORDER BY id DESC",
+                Long.class, AccountingConstants.FinancialActivity.LIABILITY_TRANSFER.getValue());
+        if (glAccountIds.isEmpty()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.liability.transfer.financial.activity.not.mapped",
+                    "No Liability Transfer account is mapped under Accounting > Financial Activity Mappings, so the closure"
+                            + " proceeds cannot be routed to a GL account. Map it first.",
+                    AccountingConstants.FinancialActivity.LIABILITY_TRANSFER.getValue());
+        }
+        return glAccountIds.get(0);
+    }
+
     /**
      * A staff-triggered, always-available alternative to Premature Close (Active-only, no reinvest) and Close
      * (Matured-only): works on an FD in either state, and adds a Partial Reinvest option neither of those two support
@@ -1023,10 +1153,13 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
             }
 
         } else {
+            final SavingsInterestTdsService.DirectPayout tds = this.savingsInterestTdsService.deductOnDirectPayout(account, closedDate,
+                    directPayoutKind(onClosureType));
             final SavingsAccountTransaction withdrawal = this.handleWithdrawal(account, fmt, closedDate, account.getAccountBalance(),
                     paymentDetail, false, isRegularTransaction);
             savingsTransactionId = withdrawal.getId();
             updateAlreadyPostedTransactions(existingTransactionIds, account);
+            this.savingsInterestTdsService.recordDirectPayout(tds, withdrawal, existingTransactionIds);
 
             if (alreadyMatured) {
                 account.close(user, command, changes);
@@ -1084,9 +1217,12 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
             this.accountTransfersWritePlatformService.transferFunds(accountTransferDTO);
             updateAlreadyPostedTransactions(existingTransactionIds, account);
         } else {
+            final SavingsInterestTdsService.DirectPayout tds = this.savingsInterestTdsService.deductOnDirectPayout(account, closedDate,
+                    directPayoutKind(closureType));
             final SavingsAccountTransaction withdrawal = this.handleWithdrawal(account, fmt, closedDate, account.getAccountBalance(),
                     paymentDetail, false, isRegularTransaction);
             savingsTransactionId = withdrawal.getId();
+            this.savingsInterestTdsService.recordDirectPayout(tds, withdrawal, existingTransactionIds);
         }
 
         account.prematureClosure(user, command, changes);
@@ -1111,6 +1247,11 @@ public class DepositAccountDomainServiceJpa implements DepositAccountDomainServi
         this.journalEntryWritePlatformService.createJournalEntriesForSavings(accountingBridgeData);
     }
 
+    /** How a closure that does not go to savings paid out, for the TDS tracking record. */
+    private static String directPayoutKind(final DepositAccountOnClosureType closureType) {
+        return closureType != null && closureType.isTransferToGl() ? "GL" : "CASH";
+    }
+
     private void updateAlreadyPostedTransactions(final Set<Long> existingTransactionIds, final SavingsAccount savingsAccount) {
         // accountTransfersWritePlatformService.transferFunds() already posts accounting for the
         // withdrawal it creates on this account (via SavingsAccountDomainServiceJpa#handleWithdrawal),

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/FixedDepositAccount.java

@@ -58,7 +58,7 @@ import org.apache.fineract.portfolio.interestratechart.service.InterestRateChart
 import org.apache.fineract.portfolio.savings.DepositAccountOnClosureType;
 import org.apache.fineract.portfolio.savings.DepositAccountType;
 import org.apache.fineract.portfolio.savings.DepositsApiConstants;
-import org.apache.fineract.portfolio.savings.PreClosurePenalInterestOnType;
+import org.apache.fineract.portfolio.savings.PrematureClosureReasonType;
 import org.apache.fineract.portfolio.savings.SavingsApiConstants;
 import org.apache.fineract.portfolio.savings.SavingsCompoundingInterestPeriodType;
 import org.apache.fineract.portfolio.savings.SavingsInterestCalculationDaysInYearType;
@@ -84,6 +84,16 @@ public class FixedDepositAccount extends SavingsAccount {
     protected InterestRateChartAssembler chartAssembler;
     @Transient
     private ConfigurationDomainService configurationDomainService;
+    /**
+     * Set once per request, immediately before a premature-closure preview or the real closure, from the
+     * maker's own "waive penalty" checkbox on the Premature Close dialog -- never persisted, since it is
+     * a one-time decision for this specific closure rather than a product/account setting. The product's
+     * own {@code accountTermAndPreClosure.isPreClosurePenalApplicable()} configuration is untouched, so
+     * every other premature closure of this same product still applies its penalty as normal; this only
+     * suppresses it for the one request that explicitly asked to waive it.
+     */
+    @Transient
+    private boolean waivePreClosurePenaltyForThisRequest;
 
     protected FixedDepositAccount() {
         //
@@ -177,18 +187,17 @@ public class FixedDepositAccount extends SavingsAccount {
         if (this.chart != null) {
             boolean applyPreMaturePenalty = false;
             BigDecimal penalInterest = BigDecimal.ZERO;
-            LocalDate depositCloseDate = calculateMaturityDate();
+            // Rate-selection date is always calculateMaturityDate() below -- premature closure prices off
+            // the deposit's own CONTRACTED rate, the same rate the FD was created with and the same one
+            // every regular scheduled interest posting this account ever makes (see this method's 2-arg
+            // overload), so a closure's freshly-recomputed total always matches what the account was
+            // already accruing all along. No separate "actual period held" slab lookup -- deliberately
+            // simple, one rate for the account's whole life.
+            final LocalDate depositCloseDate = calculateMaturityDate();
             if (isPreMatureClosure) {
-                if (this.accountTermAndPreClosure.isPreClosurePenalApplicable()) {
+                if (this.accountTermAndPreClosure.isPreClosurePenalApplicable() && !this.waivePreClosurePenaltyForThisRequest) {
                     applyPreMaturePenalty = true;
                     penalInterest = this.accountTermAndPreClosure.depositPreClosureDetail().preClosurePenalInterest();
-                    final PreClosurePenalInterestOnType preClosurePenalInterestOnType = this.accountTermAndPreClosure
-                            .depositPreClosureDetail().preClosurePenalInterestOnType();
-                    if (preClosurePenalInterestOnType.isWholeTerm()) {
-                        depositCloseDate = interestCalculatedUpto();
-                    } else if (preClosurePenalInterestOnType.isTillPrematureWithdrawal()) {
-                        depositCloseDate = interestPostingUpToDate;
-                    }
                 }
             }
 
@@ -353,7 +362,7 @@ public class FixedDepositAccount extends SavingsAccount {
         boolean isInterestTransfer = false;
         final Money minBalanceForInterestCalculation = Money.of(getCurrency(), minBalanceForInterestCalculation());
         List<SavingsAccountTransactionDetailsForPostingPeriod> savingsAccountTransactionDetailsForPostingPeriodList = toSavingsAccountTransactionDetailsForPostingPeriodList(
-                transactions);
+                transactionsForCurrentTermInterestCalculation(transactions));
         for (final LocalDateInterval periodInterval : postingPeriodIntervals) {
             boolean isUserPosting = false;
             if (postedAsOnTransactionDates.contains(periodInterval.endDate())) {
@@ -439,7 +448,7 @@ public class FixedDepositAccount extends SavingsAccount {
             final boolean isInterestTransfer = false;
             final Money minBalanceForInterestCalculation = Money.of(getCurrency(), minBalanceForInterestCalculation());
             final List<SavingsAccountTransactionDetailsForPostingPeriod> savingsAccountTransactionDetailsForPostingPeriodList = toSavingsAccountTransactionDetailsForPostingPeriodList(
-                    transactions);
+                    transactionsForCurrentTermInterestCalculation(transactions));
 
             for (final LocalDateInterval periodInterval : postingPeriodIntervals) {
                 final boolean isUserPosting = postedAsOnTransactionDates.contains(periodInterval.endDate());
@@ -525,6 +534,12 @@ public class FixedDepositAccount extends SavingsAccount {
         final DepositAccountOnClosureType onClosureType = DepositAccountOnClosureType.fromInt(onAccountClosureId);
         this.accountTermAndPreClosure.updateOnAccountClosureStatus(onClosureType);
 
+        // RBI audit trail: record why, not just that, this closure happened -- see
+        // PrematureClosureReasonType. Absent entirely on a request from before this field existed,
+        // which resolves to INVALID/null here rather than a misleading "Normal".
+        final Integer prematureClosureReasonId = command.integerValueOfParameterNamed(DepositsApiConstants.prematureClosureReasonIdParamName);
+        this.accountTermAndPreClosure.updatePrematureClosureReason(PrematureClosureReasonType.fromInt(prematureClosureReasonId));
+
         /*
          * // withdraw deposit amount before closing the account final Money transactionAmountMoney =
          * Money.of(this.currency, this.getAccountBalance()); final SavingsAccountTransaction withdraw =
@@ -789,6 +804,13 @@ public class FixedDepositAccount extends SavingsAccount {
 
     }
 
+    /** See {@link #waivePreClosurePenaltyForThisRequest}. Call before {@link #calculatePreMatureAmount} (preview)
+     *  or {@link #postPreMaturityInterest} (the real closure) -- both read the flag at the same point in the
+     *  same interest calculation this waives a part of. */
+    public void setWaivePreClosurePenaltyForThisRequest(final boolean waive) {
+        this.waivePreClosurePenaltyForThisRequest = waive;
+    }
+
     public BigDecimal calculatePreMatureAmount(final LocalDate preMatureDate, final boolean isPreMatureClosure,
             final boolean isSavingsInterestPostingAtCurrentPeriodEnd, final Integer financialYearBeginningMonth) {
 
@@ -807,17 +829,22 @@ public class FixedDepositAccount extends SavingsAccount {
             final boolean isPreMatureClosure, final boolean isSavingsInterestPostingAtCurrentPeriodEnd,
             final Integer financialYearBeginningMonth) {
         final MathContext mc = MathContext.DECIMAL64;
-        final List<PostingPeriod> postingPeriods = calculateInterestPayable(mc, preMatureDate, transactions, isPreMatureClosure,
-                isSavingsInterestPostingAtCurrentPeriodEnd, financialYearBeginningMonth);
+        this.resetAccountTransactionsEndOfDayBalances(transactions, preMatureDate);
+        try {
+            final List<PostingPeriod> postingPeriods = calculateInterestPayable(mc, preMatureDate, transactions, isPreMatureClosure,
+                    isSavingsInterestPostingAtCurrentPeriodEnd, financialYearBeginningMonth);
 
-        Money interestOnMaturity = Money.zero(this.currency);
+            Money interestOnMaturity = Money.zero(this.currency);
 
-        for (final PostingPeriod interestPostingPeriod : postingPeriods) {
-            final Money interestEarnedForPeriod = interestPostingPeriod.getInterestEarned();
-            interestOnMaturity = interestOnMaturity.plus(interestEarnedForPeriod);
+            for (final PostingPeriod interestPostingPeriod : postingPeriods) {
+                final Money interestEarnedForPeriod = interestPostingPeriod.getInterestEarned();
+                interestOnMaturity = interestOnMaturity.plus(interestEarnedForPeriod);
+            }
+
+            return interestOnMaturity;
+        } finally {
+            this.resetAccountTransactionsEndOfDayBalances(transactions, DateUtils.getBusinessLocalDate());
         }
-
-        return interestOnMaturity;
     }
 
     public void postInterest(final MathContext mc, final LocalDate postingDate, boolean isInterestTransfer,
@@ -909,12 +936,36 @@ public class FixedDepositAccount extends SavingsAccount {
         return this.product instanceof FixedDepositProduct ? ((FixedDepositProduct) this.product).getFdType() : null;
     }
 
+    /**
+     * Interest already posted for the term currently running, NOT the account's whole lifetime.
+     * <p>
+     * A renewed account keeps every prior term's transactions in {@code this.transactions} -- including
+     * whatever interest was posted (and already paid out, via the renewal's own withdrawal/transfer leg)
+     * for a term that has since closed. Summing all of them here double-counted that stale interest: a
+     * premature closure of the CURRENT term subtracted it from the maturity amount
+     * ({@code accountBalance - interestPostedToDate + interestEarnedTillDate}) even though it was never
+     * part of this term's balance to begin with, silently shortchanging the customer by exactly that
+     * amount -- enough to make a freshly-renewed FD's premature-closure amount come out BELOW its
+     * deposit amount, penalty or no penalty. Scoped to {@link #depositStartDate()} for the same reason
+     * {@link #isRenewedTerm()} and the posting-period calculation already are: interest posted before
+     * the term restarted belongs to a term that has already been settled.
+     */
     private Money totalInterestPosted() {
+        final boolean renewedTerm = isRenewedTerm();
+        final LocalDate currentTermStartDate = depositStartDate();
         Money interestPostedToDate = Money.zero(this.currency);
         for (final SavingsAccountTransaction transaction : this.transactions) {
-            if (transaction.isInterestPostingAndNotReversed()) {
-                interestPostedToDate = interestPostedToDate.plus(transaction.getAmount(currency));
+            if (!transaction.isInterestPostingAndNotReversed()) {
+                continue;
             }
+            // Strictly after, and matching transactionsForCurrentTermInterestCalculation() exactly: the
+            // previous term's closing interest posting is dated the SAME day the new term starts, so an
+            // inclusive bound still counts it here while the posting-period walk excludes it -- leaving
+            // the old term's entire interest subtracted from a maturity amount it was never part of.
+            if (renewedTerm && !DateUtils.isAfter(transaction.getTransactionDate(), currentTermStartDate)) {
+                continue;
+            }
+            interestPostedToDate = interestPostedToDate.plus(transaction.getAmount(currency));
         }
 
         return interestPostedToDate;
@@ -960,6 +1011,33 @@ public class FixedDepositAccount extends SavingsAccount {
         return termStart != null && getActivationDate() != null && !termStart.equals(getActivationDate());
     }
 
+    /**
+     * A renewed term's opening balance is seeded straight to the term's own principal (see
+     * calculateInterestPayable/projectInterestSchedule) -- which is already the balance AS OF
+     * depositStartDate(), i.e. net of whatever transaction closed out the previous term. That closing
+     * transaction is dated the SAME day the new term starts (a renewal is atomic: the old term is closed
+     * and the new one opened in the same stroke), so without this filter it still falls inside the new
+     * term's posting-period walk and gets applied a SECOND time on top of the already-net seed --
+     * understating the very first day's balance by the old term's entire payout, which silently corrupts
+     * that day's interest for as long as the term keeps re-including it (every premature-closure preview,
+     * and any later maturity recalculation). Scoping to transactions strictly after the term start avoids
+     * the double-count; a genuine new transaction can't land on the renewal day itself for an FD anyway.
+     */
+    private List<SavingsAccountTransaction> transactionsForCurrentTermInterestCalculation(
+            final List<SavingsAccountTransaction> transactions) {
+        if (!isRenewedTerm()) {
+            return transactions;
+        }
+        final LocalDate currentTermStartDate = depositStartDate();
+        final List<SavingsAccountTransaction> scoped = new ArrayList<>();
+        for (final SavingsAccountTransaction transaction : transactions) {
+            if (DateUtils.isAfter(transaction.getTransactionDate(), currentTermStartDate)) {
+                scoped.add(transaction);
+            }
+        }
+        return scoped;
+    }
+
     private LocalDate interestCalculatedUpto() {
         LocalDate uptoMaturityDate = calculateMaturityDate();
         if (uptoMaturityDate != null) {

fineract-provider/src/main/java/org/apache/fineract/portfolio/savings/domain/RecurringDepositAccount.java

@@ -759,17 +759,22 @@ public class RecurringDepositAccount extends SavingsAccount {
             final boolean isPreMatureClosure, final boolean isSavingsInterestPostingAtCurrentPeriodEnd,
             final Integer financialYearBeginningMonth) {
         final MathContext mc = MathContext.DECIMAL64;
-        final List<PostingPeriod> postingPeriods = calculateInterestPayable(mc, preMatureDate, transactions, isPreMatureClosure,
-                isSavingsInterestPostingAtCurrentPeriodEnd, financialYearBeginningMonth);
+        this.resetAccountTransactionsEndOfDayBalances(transactions, preMatureDate);
+        try {
+            final List<PostingPeriod> postingPeriods = calculateInterestPayable(mc, preMatureDate, transactions, isPreMatureClosure,
+                    isSavingsInterestPostingAtCurrentPeriodEnd, financialYearBeginningMonth);
 
-        Money interestOnMaturity = Money.zero(this.currency);
+            Money interestOnMaturity = Money.zero(this.currency);
 
-        for (final PostingPeriod interestPostingPeriod : postingPeriods) {
-            final Money interestEarnedForPeriod = interestPostingPeriod.getInterestEarned();
-            interestOnMaturity = interestOnMaturity.plus(interestEarnedForPeriod);
+            for (final PostingPeriod interestPostingPeriod : postingPeriods) {
+                final Money interestEarnedForPeriod = interestPostingPeriod.getInterestEarned();
+                interestOnMaturity = interestOnMaturity.plus(interestEarnedForPeriod);
+            }
+            this.summary.updateFromInterestPeriodSummaries(this.currency, postingPeriods);
+            return interestOnMaturity;
+        } finally {
+            this.resetAccountTransactionsEndOfDayBalances(transactions, DateUtils.getBusinessLocalDate());
         }
-        this.summary.updateFromInterestPeriodSummaries(this.currency, postingPeriods);
-        return interestOnMaturity;
     }
 
     @Override

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

@@ -250,11 +250,7 @@ public class CurrentAccountEditWritePlatformServiceJpaRepositoryImpl implements
                 .findByCurrentAccountIdAndStatus(currentAccountId, CurrentAccountPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new CurrentAccountNoPendingEditException(currentAccountId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see ShareAccountEditWritePlatformServiceJpaRepositoryImpl and
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement elsewhere.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new CurrentAccountEditSelfApprovalNotAllowedException(currentAccountId);
         }
 
@@ -310,11 +306,7 @@ public class CurrentAccountEditWritePlatformServiceJpaRepositoryImpl implements
                 .findByCurrentAccountIdAndStatus(currentAccountId, CurrentAccountPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new CurrentAccountNoPendingEditException(currentAccountId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see ShareAccountEditWritePlatformServiceJpaRepositoryImpl and
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement elsewhere.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new CurrentAccountEditSelfApprovalNotAllowedException(currentAccountId);
         }
 

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

@@ -19,8 +19,11 @@
 package org.apache.fineract.portfolio.savings.service;
 
 import static org.apache.fineract.portfolio.savings.DepositsApiConstants.closedOnDateParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.prematureClosureReasonIdParamName;
+import static org.apache.fineract.portfolio.savings.DepositsApiConstants.waivePreClosurePenaltyParamName;
 
 import com.google.gson.JsonElement;
+import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.Collection;
 import lombok.RequiredArgsConstructor;
@@ -32,6 +35,7 @@ import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeData;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeReadService;
 import org.apache.fineract.portfolio.savings.DepositAccountOnClosureType;
 import org.apache.fineract.portfolio.savings.DepositAccountType;
+import org.apache.fineract.portfolio.savings.PrematureClosureReasonType;
 import org.apache.fineract.portfolio.savings.data.DepositAccountData;
 import org.apache.fineract.portfolio.savings.data.DepositAccountTransactionDataValidator;
 import org.apache.fineract.portfolio.savings.data.FixedDepositAccountData;
@@ -66,9 +70,17 @@ public class DepositAccountPreMatureCalculationPlatformServiceImpl implements De
         final SavingsAccount account = this.depositAccountAssembler.assembleFrom(accountId, depositAccountType);
 
         DepositAccountData accountData = null;
-        Collection<EnumOptionData> onAccountClosureOptions = SavingsEnumerations
-                .depositAccountOnClosureType(new DepositAccountOnClosureType[] { DepositAccountOnClosureType.WITHDRAW_DEPOSIT,
-                        DepositAccountOnClosureType.TRANSFER_TO_SAVINGS });
+        // Premature closure proceeds must stay traceable -- into the customer's savings account, or (fixed
+        // deposits only) straight to a GL account the maker picks. Paying a broken deposit out over the
+        // counter in cash is not offered: WITHDRAW_DEPOSIT is deliberately absent here and rejected outright
+        // by DepositAccountTransactionDataValidator#validateClosing, so a direct API call cannot take it
+        // either. TRANSFER_TO_GL is offered only for fixed deposits because only
+        // DepositAccountDomainServiceJpa#handleFDAccountPreMatureClosure books its GL leg.
+        final DepositAccountOnClosureType[] closureTypes = depositAccountType.isFixedDeposit()
+                ? new DepositAccountOnClosureType[] { DepositAccountOnClosureType.TRANSFER_TO_SAVINGS,
+                        DepositAccountOnClosureType.TRANSFER_TO_GL }
+                : new DepositAccountOnClosureType[] { DepositAccountOnClosureType.TRANSFER_TO_SAVINGS };
+        Collection<EnumOptionData> onAccountClosureOptions = SavingsEnumerations.depositAccountOnClosureType(closureTypes);
         final Collection<PaymentTypeData> paymentTypeOptions = this.paymentTypeReadPlatformService.retrieveAllPaymentTypes();
         final Collection<SavingsAccountData> savingsAccountDatas = this.savingsAccountReadPlatformService
                 .retrieveActiveForLookup(account.clientId(), DepositAccountType.SAVINGS_DEPOSIT);
@@ -77,13 +89,32 @@ public class DepositAccountPreMatureCalculationPlatformServiceImpl implements De
         // calculate interest before one day of closure date
         final LocalDate interestCalculatedToDate = preMaturityDate.minusDays(1);
         final boolean isPreMatureClosure = true;
+        // Preview-time only -- the real closure re-reads this same box from its own request when it
+        // actually happens (see DepositAccountDomainServiceJpa#handleFDAccountPreMatureClosure), so a
+        // maker previewing with the box checked and then submitting without it (or vice versa) gets
+        // exactly what they last confirmed, not what an earlier preview computed.
+        final boolean waivePreClosurePenalty = this.fromJsonHelper.parameterExists(waivePreClosurePenaltyParamName, element)
+                && this.fromJsonHelper.extractBooleanNamed(waivePreClosurePenaltyParamName, element);
+        // RBI-mandated waiver reasons (premature extension, conversion to another TD, deceased
+        // settlement, nominee/legal heir closure) waive the penalty regardless of the manual checkbox
+        // above -- see PrematureClosureReasonType. This is enforced here, not just on the client, so
+        // the preview a maker sees always matches what the actual closure will compute.
+        final Integer prematureClosureReasonId = this.fromJsonHelper.extractIntegerSansLocaleNamed(prematureClosureReasonIdParamName,
+                element);
+        final PrematureClosureReasonType prematureClosureReason = PrematureClosureReasonType.fromInt(prematureClosureReasonId);
+        final boolean effectiveWaivePenalty = waivePreClosurePenalty || prematureClosureReason.isAutoWaived();
 
         if (depositAccountType.isFixedDeposit()) {
             final FixedDepositAccount fd = (FixedDepositAccount) account;
-            accountData = FixedDepositAccountData.preClosureDetails(
-                    account.getId(), fd.calculatePreMatureAmount(interestCalculatedToDate, isPreMatureClosure,
-                            isSavingsInterestPostingAtCurrentPeriodEnd, financialYearBeginningMonth),
-                    onAccountClosureOptions, paymentTypeOptions, savingsAccountDatas);
+            fd.setWaivePreClosurePenaltyForThisRequest(effectiveWaivePenalty);
+            final BigDecimal maturityAmount = fd.calculatePreMatureAmount(interestCalculatedToDate, isPreMatureClosure,
+                    isSavingsInterestPostingAtCurrentPeriodEnd, financialYearBeginningMonth);
+            // calculatePreMatureAmount() (via getEffectiveInterestRateAsFraction()) leaves the account's
+            // own nominalAnnualInterestRate set to whichever rate it just resolved for THIS preview --
+            // the deposit's own contracted rate, minus any pre-closure penalty -- so read it back here
+            // rather than re-deriving it, to show the maker exactly what applied.
+            accountData = FixedDepositAccountData.preClosureDetails(account.getId(), maturityAmount, onAccountClosureOptions,
+                    paymentTypeOptions, savingsAccountDatas, fd.getNominalAnnualInterestRate());
         } else if (depositAccountType.isRecurringDeposit()) {
             final RecurringDepositAccount rd = (RecurringDepositAccount) account;
             accountData = RecurringDepositAccountData.preClosureDetails(

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

@@ -543,9 +543,13 @@ public class DepositAccountReadPlatformServiceImpl implements DepositAccountRead
 
             DepositAccountData account = this.jdbcTemplate.queryForObject(sqlBuilder.toString(), depositAccountMapper, accountId,
                     depositAccountType.getValue());
+            // TRANSFER_TO_GL is excluded for the same reason PARTIAL_REINVEST is filtered above: only one
+            // handler implements it (fixed-deposit PREMATURE closure, which builds its own option list in
+            // DepositAccountPreMatureCalculationPlatformServiceImpl). Offering it on this template -- the
+            // normal Close and Payment screens -- would only get it refused by validateClosing.
             Collection<EnumOptionData> onAccountClosureOptions = SavingsEnumerations
                     .depositAccountOnClosureType(Arrays.stream(DepositAccountOnClosureType.values())
-                            .filter(type -> includePartialReinvest || !type.isPartialReinvest())
+                            .filter(type -> includePartialReinvest || !type.isPartialReinvest()).filter(type -> !type.isTransferToGl())
                             .toArray(DepositAccountOnClosureType[]::new));
             final Collection<PaymentTypeData> paymentTypeOptions = this.paymentTypeReadPlatformService.retrieveAllPaymentTypes();
             final Collection<SavingsAccountData> savingsAccountDatas = this.savingsAccountReadPlatformService

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

@@ -19,10 +19,13 @@
 package org.apache.fineract.portfolio.savings.service;
 
 import com.google.gson.Gson;
+import com.google.gson.reflect.TypeToken;
+import java.lang.reflect.Type;
 import java.math.BigDecimal;
 import java.sql.ResultSet;
 import java.sql.SQLException;
 import java.util.Collection;
+import java.util.List;
 import java.util.Map;
 import lombok.RequiredArgsConstructor;
 import org.apache.fineract.accounting.common.AccountingEnumerations;
@@ -202,6 +205,31 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
         }
     }
 
+    private static final Type OTHER_GL_MAPPINGS_TYPE = new TypeToken<List<Map<String, Object>>>() {}.getType();
+    private static final Type OTHER_GL_MAPPINGS_MAP_TYPE = new TypeToken<Map<String, List<Map<String, Object>>>>() {}.getType();
+
+    private static List<Map<String, Object>> parseOtherGlMappings(final String otherGlMappingsJson) {
+        if (otherGlMappingsJson == null || otherGlMappingsJson.isBlank()) {
+            return null;
+        }
+        com.google.gson.JsonElement element = GSON.fromJson(otherGlMappingsJson, com.google.gson.JsonElement.class);
+        if (!element.isJsonArray()) {
+            return null;
+        }
+        return GSON.fromJson(element, OTHER_GL_MAPPINGS_TYPE);
+    }
+
+    private static Map<String, List<Map<String, Object>>> parseOtherGlMappingsAsMap(final String otherGlMappingsJson) {
+        if (otherGlMappingsJson == null || otherGlMappingsJson.isBlank()) {
+            return null;
+        }
+        com.google.gson.JsonElement element = GSON.fromJson(otherGlMappingsJson, com.google.gson.JsonElement.class);
+        if (!element.isJsonObject()) {
+            return null;
+        }
+        return GSON.fromJson(element, OTHER_GL_MAPPINGS_MAP_TYPE);
+    }
+
     private abstract static class DepositProductMapper implements RowMapper<DepositProductData> {
 
         private final String schemaSql;
@@ -221,6 +249,7 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
             sqlBuilder.append("sp.lockin_period_frequency as lockinPeriodFrequency,");
             sqlBuilder.append("sp.lockin_period_frequency_enum as lockinPeriodFrequencyType, ");
             sqlBuilder.append("sp.accounting_type as accountingType, ");
+            sqlBuilder.append("sp.other_gl_mappings as otherGlMappings, ");
             sqlBuilder.append("sp.min_balance_for_interest_calculation as minBalanceForInterestCalculation, ");
             sqlBuilder.append("sp.withhold_tax as withHoldTax,");
             sqlBuilder.append("tg.id as taxGroupId, tg.name as taxGroupName ");
@@ -284,10 +313,14 @@ public class DepositProductReadPlatformServiceImpl implements DepositProductRead
                 taxGroupData = TaxGroupData.lookup(taxGroupId, taxGroupName);
             }
 
-            return DepositProductData.instance(id, name, shortName, description, currency, nominalAnnualInterestRate,
+            final DepositProductData data = DepositProductData.instance(id, name, shortName, description, currency, nominalAnnualInterestRate,
                     compoundingInterestPeriodType, interestPostingPeriodType, interestCalculationType, interestCalculationDaysInYearType,
                     lockinPeriodFrequency, lockinPeriodFrequencyType, accountingRuleType, minBalanceForInterestCalculation, withHoldTax,
                     taxGroupData);
+            final String otherGlMappingsJson = rs.getString("otherGlMappings");
+            data.setOtherGlMappings(parseOtherGlMappings(otherGlMappingsJson));
+            data.setOtherGlMappingsMap(parseOtherGlMappingsAsMap(otherGlMappingsJson));
+            return data;
         }
     }
 

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

@@ -260,11 +260,7 @@ public class FixedDepositProductWritePlatformServiceJpaRepositoryImpl implements
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_FD, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsProductSelfApprovalNotAllowedException(productId);
         }
 
@@ -354,11 +350,7 @@ public class FixedDepositProductWritePlatformServiceJpaRepositoryImpl implements
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_FD, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsProductSelfApprovalNotAllowedException(productId);
         }
 

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

@@ -264,11 +264,7 @@ public class RecurringDepositProductWritePlatformServiceJpaRepositoryImpl implem
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_RD, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsProductSelfApprovalNotAllowedException(productId);
         }
 
@@ -361,11 +357,7 @@ public class RecurringDepositProductWritePlatformServiceJpaRepositoryImpl implem
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_RD, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsProductSelfApprovalNotAllowedException(productId);
         }
 

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

@@ -203,11 +203,7 @@ public class SavingsAccountEditWritePlatformServiceJpaRepositoryImpl implements
                 .findBySavingsAccountIdAndStatus(savingsId, SavingsAccountPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsAccountNoPendingEditException(savingsId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsAccountEditSelfApprovalNotAllowedException(savingsId);
         }
 
@@ -269,11 +265,7 @@ public class SavingsAccountEditWritePlatformServiceJpaRepositoryImpl implements
                 .findBySavingsAccountIdAndStatus(savingsId, SavingsAccountPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsAccountNoPendingEditException(savingsId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsAccountEditSelfApprovalNotAllowedException(savingsId);
         }
 

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

@@ -437,14 +437,38 @@ public class SavingsAccountInterestPostingServiceImpl implements SavingsAccountI
         return false;
     }
 
+    protected Collection<Long> interestTransferWithdrawalTransactionIds(final SavingsAccountData savingsAccountData) {
+        if (savingsAccountData.getId() == null || this.savingsHelper == null || !isTransferInterestToOtherAccount(savingsAccountData)) {
+            return Collections.emptyList();
+        }
+        return this.savingsHelper.fetchPostInterestTransactionIds(savingsAccountData.getId());
+    }
+
+    private boolean isTransferInterestToOtherAccount(final SavingsAccountData savingsAccountData) {
+        return savingsAccountData.isTransferInterestToLinkedAccount()
+                && DepositAccountType.FIXED_DEPOSIT.getValue().equals(savingsAccountData.getDepositTypeId());
+    }
+
+    protected List<SavingsAccountTransactionData> excludeInterestTransferWithdrawals(
+            final List<SavingsAccountTransactionData> transactions, final SavingsAccountData savingsAccountData) {
+        final Collection<Long> interestTransferWithdrawalIds = interestTransferWithdrawalTransactionIds(savingsAccountData);
+        if (interestTransferWithdrawalIds.isEmpty()) {
+            return transactions;
+        }
+        return transactions.stream().filter(transaction -> !interestTransferWithdrawalIds.contains(transaction.getId()))
+                .collect(Collectors.toList());
+    }
+
     private List<SavingsAccountTransactionData> retreiveOrderedNonInterestPostingTransactions(final SavingsAccountData savingsAccountData) {
         final List<SavingsAccountTransactionData> listOfTransactionsSorted = retrieveListOfTransactions(savingsAccountData);
+        final Collection<Long> interestTransferWithdrawalIds = interestTransferWithdrawalTransactionIds(savingsAccountData);
 
         final List<SavingsAccountTransactionData> orderedNonInterestPostingTransactions = new ArrayList<>();
 
         for (final SavingsAccountTransactionData transaction : listOfTransactionsSorted) {
             if (!(transaction.isInterestPostingAndNotReversed() || transaction.isOverdraftInterestAndNotReversed())
-                    && transaction.isNotReversed() && !transaction.isReversalTransaction()) {
+                    && transaction.isNotReversed() && !transaction.isReversalTransaction()
+                    && !interestTransferWithdrawalIds.contains(transaction.getId())) {
                 orderedNonInterestPostingTransactions.add(transaction);
             }
         }
@@ -664,10 +688,12 @@ public class SavingsAccountInterestPostingServiceImpl implements SavingsAccountI
 
     protected void resetAccountTransactionsEndOfDayBalances(final List<SavingsAccountTransactionData> accountTransactionsSorted,
             final LocalDate interestPostingUpToDate, final SavingsAccountData savingsAccountData) {
+        final List<SavingsAccountTransactionData> filteredTransactions = excludeInterestTransferWithdrawals(accountTransactionsSorted,
+                savingsAccountData);
         // loop over transactions in reverse
         LocalDate endOfBalanceDate = interestPostingUpToDate;
-        for (int i = accountTransactionsSorted.size() - 1; i >= 0; i--) {
-            final SavingsAccountTransactionData transaction = accountTransactionsSorted.get(i);
+        for (int i = filteredTransactions.size() - 1; i >= 0; i--) {
+            final SavingsAccountTransactionData transaction = filteredTransactions.get(i);
             if (transaction.isNotReversed() && !transaction.isReversalTransaction()
                     && !(transaction.isInterestPostingAndNotReversed() || transaction.isOverdraftInterestAndNotReversed())) {
                 transaction.updateCumulativeBalanceAndDates(MonetaryCurrency.fromCurrencyData(savingsAccountData.getCurrency()),

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

@@ -436,8 +436,14 @@ public class SavingsAccountReadPlatformServiceImpl implements SavingsAccountRead
     public List<SavingsAccountData> retrieveAllSavingsDataForInterestPosting(final boolean backdatedTxnsAllowedTill, final int pageSize,
             final Integer status, final Long maxSavingsId) {
         LocalDate yesterday = DateUtils.getBusinessLocalDate().minusDays(1);
+        // A product on the daily-interest timetable is paid by the pooled posting instead
+        // (SavingsPooledInterestPostingService). Posting it here too would pay its members twice.
+        // FD and RD products are never on that timetable, so they still post here. The filter sits inside the paging
+        // subquery so a page is never cut short by accounts that are then dropped.
         String sql = "select " + this.savingAccountMapperForInterestPosting.schema()
-                + "join (select a.id from m_savings_account a where a.id > ? and a.status_enum = ? limit ?) b on b.id = sa.id ";
+                + "join (select a.id from m_savings_account a where a.id > ? and a.status_enum = ? "
+                + "and not exists (select 1 from m_savings_interest_posting_schedule s "
+                + "where s.savings_product_id = a.product_id and s.is_active = true) limit ?) b on b.id = sa.id ";
         if (backdatedTxnsAllowedTill) {
             sql = sql
                     + "where (CASE WHEN sa.interest_posted_till_date is not null THEN tr.transaction_date >= sa.interest_posted_till_date ELSE tr.transaction_date >= sa.activatedon_date END) ";

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

@@ -420,11 +420,7 @@ public class SavingsProductWritePlatformServiceJpaRepositoryImpl implements Savi
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_SAVINGS, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsProductSelfApprovalNotAllowedException(productId);
         }
 
@@ -528,11 +524,7 @@ public class SavingsProductWritePlatformServiceJpaRepositoryImpl implements Savi
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_SAVINGS, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new SavingsProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new SavingsProductSelfApprovalNotAllowedException(productId);
         }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareaccounts/service/ShareAccountEditWritePlatformServiceJpaRepositoryImpl.java

@@ -172,12 +172,7 @@ public class ShareAccountEditWritePlatformServiceJpaRepositoryImpl implements Sh
                 .findByShareAccountIdAndStatus(shareAccountId, ShareAccountPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new ShareAccountNoPendingEditException(shareAccountId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - that permission still lets them approve someone ELSE's request,
-        // it just no longer lets them bypass the hold on their own (matches
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction(), the
-        // equivalent rule for the classic command pipeline).
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new ShareAccountEditSelfApprovalNotAllowedException(shareAccountId);
         }
 
@@ -219,12 +214,7 @@ public class ShareAccountEditWritePlatformServiceJpaRepositoryImpl implements Sh
                 .findByShareAccountIdAndStatus(shareAccountId, ShareAccountPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new ShareAccountNoPendingEditException(shareAccountId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - that permission still lets them approve someone ELSE's request,
-        // it just no longer lets them bypass the hold on their own (matches
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction(), the
-        // equivalent rule for the classic command pipeline).
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new ShareAccountEditSelfApprovalNotAllowedException(shareAccountId);
         }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/shareproducts/service/ShareProductWritePlatformServiceJpaRepositoryImpl.java

@@ -882,11 +882,7 @@ public class ShareProductWritePlatformServiceJpaRepositoryImpl implements ShareP
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_SHARE, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new ShareProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new ShareProductSelfApprovalNotAllowedException(productId);
         }
 
@@ -972,11 +968,7 @@ public class ShareProductWritePlatformServiceJpaRepositoryImpl implements ShareP
                 .findByProductTypeAndProductIdAndStatus(ProductPendingEdit.TYPE_SHARE, productId, ProductPendingEdit.STATUS_PENDING)
                 .orElseThrow(() -> new ShareProductNoPendingEditException(productId));
 
-        // Maker-identity rule: the same user can never approve their own submission, even when they
-        // hold CHECKER_SUPER_USER - see
-        // PortfolioCommandSourceWritePlatformServiceImpl.validateMakerCheckerTransaction() for the
-        // equivalent enforcement in the classic command pipeline.
-        if (pendingEdit.getMaker().getId().equals(checker.getId())) {
+        if (pendingEdit.getMaker().getId().equals(checker.getId()) && !checker.isCheckerSuperUser()) {
             throw new ShareProductSelfApprovalNotAllowedException(productId);
         }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/sponsordd/service/SponsorDDReadPlatformServiceImpl.java

@@ -281,7 +281,9 @@ public class SponsorDDReadPlatformServiceImpl implements SponsorDDReadPlatformSe
             + "m.gst_percentage, m.gst_payable_gl_account_id, gst.name as gst_payable_gl_account_name, gst.gl_code as gst_payable_gl_code, "
             + "m.dd_limit_amount "
             + "from m_sponsor_dd_gl_mapping m "
-            + "join acc_gl_account payable on payable.id = m.dd_payable_gl_account_id "
+            // Left join: DD Payable moved to the sponsor bank (0570) and became nullable here (0573), so
+            // an inner join dropped the whole row and the settings screen reopened blank.
+            + "left join acc_gl_account payable on payable.id = m.dd_payable_gl_account_id "
             + "left join acc_gl_account clearing on clearing.id = m.cheque_clearing_gl_account_id "
             + "left join acc_gl_account cash on cash.id = m.cash_gl_account_id "
             + "left join acc_gl_account charges on charges.id = m.charges_income_gl_account_id "
@@ -310,7 +312,7 @@ public class SponsorDDReadPlatformServiceImpl implements SponsorDDReadPlatformSe
             final Long id = rs.getLong("id");
             final Long sponsorBankId = rs.getObject("sponsor_bank_id") != null ? rs.getLong("sponsor_bank_id") : null;
             final String sponsorBankName = rs.getString("sponsor_bank_name");
-            final Long ddPayableGlAccountId = rs.getLong("dd_payable_gl_account_id");
+            final Long ddPayableGlAccountId = rs.getObject("dd_payable_gl_account_id") != null ? rs.getLong("dd_payable_gl_account_id") : null;
             final String ddPayableGlAccountName = rs.getString("dd_payable_gl_account_name");
             final String ddPayableGlCode = rs.getString("dd_payable_gl_code");
             final Long chequeClearingGlAccountId = rs.getObject("cheque_clearing_gl_account_id") != null ? rs.getLong("cheque_clearing_gl_account_id") : null;

fineract-provider/src/main/java/org/apache/fineract/portfolio/tds/api/TdsInterestApiResource.java

@@ -52,10 +52,10 @@ public class TdsInterestApiResource {
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Deposit interest per customer for a financial year",
             description = "financialYear is the opening calendar year: 2026 means 1 Apr 2026 to 31 Mar 2027. Defaults to the year the business date falls in.")
-    public String retrieve(@QueryParam("financialYear") final Integer financialYear) {
+    public String retrieve(@QueryParam("financialYear") final Integer financialYear, @QueryParam("clientId") final Long clientId) {
         this.context.authenticatedUser();
         final List<TdsDeducteeData> deductees = this.readPlatformService
-                .retrieveForFinancialYear(financialYear != null ? financialYear : currentFinancialYear());
+                .retrieveForFinancialYear(financialYear != null ? financialYear : currentFinancialYear(), clientId);
         return this.toApiJsonSerializer.serialize(deductees);
     }
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/tds/api/TdsRecordsApiResource.java

@@ -0,0 +1,490 @@
+/**
+ * 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.tds.api;
+
+import com.google.gson.Gson;
+import com.google.gson.JsonObject;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.POST;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.format.DateTimeParseException;
+import java.util.ArrayList;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.UUID;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.accounting.glaccount.validation.GLAccountTransactionGuard;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.tds.service.TdsSql;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * The two TDS records the bank keeps by hand: the declarations customers give at the counter, and the
+ * challans Head Office remits the deducted tax with.
+ *
+ * <p>
+ * Both feed the deduction and the reports directly. A declaration stops the deduction from the day it
+ * is accepted; a challan is what the remittance report reconciles the deducted tax against.
+ */
+@Path("/v1/tds")
+@Component
+@RequiredArgsConstructor
+@Produces({ MediaType.APPLICATION_JSON })
+public class TdsRecordsApiResource {
+
+    private static final String DECLARATION = "TDSDECLARATION";
+    private static final String CHALLAN = "TDSCHALLAN";
+
+    private final JdbcTemplate jdbcTemplate;
+    private final PlatformSecurityContext context;
+    private final FromJsonHelper fromJsonHelper;
+    private final Gson gson = new Gson();
+
+    // ─────────────────────────── declarations ───────────────────────────
+
+    /** A customer's declarations, every year and revoked ones included, newest year first. */
+    @GET
+    @Path("declarations")
+    public String declarations(@QueryParam("clientId") final Long clientId, @QueryParam("fy") final String fy) {
+        final AppUser user = this.context.authenticatedUser();
+        if (clientId == null && fy == null) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declarations.filter.required", "Give a clientId or a fy.");
+        }
+        final List<Object> params = new ArrayList<>();
+        final StringBuilder where = new StringBuilder(" WHERE o.hierarchy LIKE ?");
+        params.add(user.getOffice().getHierarchy() + "%");
+        if (clientId != null) {
+            where.append(" AND d.client_id = ?");
+            params.add(clientId);
+        }
+        if (fy != null) {
+            where.append(" AND d.fy_label = ?");
+            params.add(fy);
+        }
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT d.id, d.client_id, c.display_name AS client_name, d.fy_label, d.form_type, d.uin, d.accepted_on,
+                       d.estimated_income, d.is_revoked, d.revoked_on, d.revoke_reason
+                  FROM m_tds_declaration d
+                  JOIN m_client c ON c.id = d.client_id
+                  JOIN m_office o ON o.id = c.office_id
+                """ + where + " ORDER BY d.fy_label DESC, d.accepted_on DESC", params.toArray());
+        final List<Map<String, Object>> out = new ArrayList<>();
+        for (final Map<String, Object> r : rows) {
+            final Map<String, Object> o = new LinkedHashMap<>();
+            o.put("id", r.get("id"));
+            o.put("clientId", r.get("client_id"));
+            o.put("clientName", r.get("client_name"));
+            o.put("fy", r.get("fy_label"));
+            o.put("formType", r.get("form_type"));
+            o.put("uin", r.get("uin"));
+            o.put("acceptedOn", str(r.get("accepted_on")));
+            o.put("estimatedIncome", r.get("estimated_income"));
+            o.put("revoked", r.get("is_revoked"));
+            o.put("revokedOn", str(r.get("revoked_on")));
+            o.put("revokeReason", r.get("revoke_reason"));
+            out.add(o);
+        }
+        return gson.toJson(out);
+    }
+
+    /**
+     * Records a declaration. One live declaration per customer per year; the form must be the one the
+     * year's configuration names (Form 121 from 2026-27, 15G/15H before), the date must fall in the year
+     * and not in the future, and the customer must have a PAN - a declaration without one is invalid.
+     */
+    @POST
+    @Path("declarations")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Transactional
+    public String createDeclaration(final String body) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("CREATE_" + DECLARATION);
+        final JsonObject root = this.fromJsonHelper.parse(body).getAsJsonObject();
+
+        final Long clientId = requiredLong(root, "clientId");
+        assertInScope(user, clientId);
+        final String fy = requiredText(root, "fy");
+        final String formType = requiredText(root, "formType").toUpperCase();
+        final LocalDate acceptedOn = requiredDate(root, "acceptedOn");
+        final String uin = optionalText(root, "uin");
+        final BigDecimal estimatedIncome = root.has("estimatedIncome") && !root.get("estimatedIncome").isJsonNull()
+                && !root.get("estimatedIncome").getAsString().isBlank() ? root.get("estimatedIncome").getAsBigDecimal() : null;
+
+        final List<Map<String, Object>> cfg = jdbcTemplate.queryForList("SELECT declaration_form FROM m_tds_fy_config WHERE fy_label = ?",
+                fy);
+        if (cfg.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declaration.fy.not.configured",
+                    "Financial year " + fy + " is not set up under Organization › TDS Configuration.");
+        }
+        final String yearForm = (String) cfg.get(0).get("declaration_form");
+        final boolean merged = "121".equals(yearForm);
+        if (merged ? !"121".equals(formType) : !("15G".equals(formType) || "15H".equals(formType))) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declaration.form.wrong.for.year",
+                    merged ? "From " + fy + " the declaration is Form 121." : "For " + fy + " the declaration is Form 15G or 15H.");
+        }
+
+        final int startYear = Integer.parseInt(fy.substring(0, 4));
+        final LocalDate fyStart = LocalDate.of(startYear, 4, 1);
+        final LocalDate fyEnd = LocalDate.of(startYear + 1, 3, 31);
+        if (acceptedOn.isBefore(fyStart) || acceptedOn.isAfter(fyEnd)) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declaration.date.outside.year",
+                    "The acceptance date must fall inside " + fy + ".");
+        }
+        if (acceptedOn.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declaration.date.in.future",
+                    "A declaration cannot be accepted on a future date.");
+        }
+
+        final Map<String, Object> person = jdbcTemplate.queryForMap("""
+                SELECT c.date_of_birth,
+                       (SELECT k.pan_number FROM m_client_kyc k
+                         WHERE k.client_id = c.id AND COALESCE(k.is_deleted, false) = false
+                         ORDER BY k.id DESC LIMIT 1) AS pan
+                  FROM m_client c WHERE c.id = ?
+                """, clientId);
+        if (!TdsSql.isWellFormedPan((String) person.get("pan"))) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declaration.pan.required",
+                    "A declaration is valid only with the customer's PAN. Record a PAN on the KYC first.");
+        }
+        if (!merged) {
+            final java.sql.Date dob = (java.sql.Date) person.get("date_of_birth");
+            final boolean senior = TdsSql.isSeniorInFy(dob == null ? null : dob.toLocalDate(), fyEnd);
+            if (senior != "15H".equals(formType)) {
+                throw new PlatformDataIntegrityException("error.msg.tds.declaration.form.wrong.for.age",
+                        senior ? "This customer is 60 or over in " + fy + ", so the form is 15H." : "This customer is under 60 in " + fy
+                                + ", so the form is 15G.");
+            }
+        }
+
+        final Integer live = jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_tds_declaration WHERE client_id = ? AND fy_label = ? AND is_revoked = false", Integer.class,
+                clientId, fy);
+        if (live != null && live > 0) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declaration.duplicate",
+                    "This customer already has a declaration on record for " + fy + ". Revoke it first to replace it.");
+        }
+
+        jdbcTemplate.update("""
+                INSERT INTO m_tds_declaration (client_id, fy_label, form_type, uin, accepted_on, estimated_income,
+                                               is_revoked, created_by, created_on)
+                VALUES (?, ?, ?, ?, ?, ?, false, ?, now())
+                """, clientId, fy, formType, uin, acceptedOn, estimatedIncome, user.getId());
+        return declarations(clientId, null);
+    }
+
+    /**
+     * Withdraws a declaration from a date. Interest credited from then on is deducted again; what was
+     * paid gross while it stood stays paid gross, because it was lawful at the time.
+     */
+    @POST
+    @Path("declarations/{id}/revoke")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Transactional
+    public String revokeDeclaration(@PathParam("id") final Long id, final String body) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("UPDATE_" + DECLARATION);
+        final JsonObject root = this.fromJsonHelper.parse(body).getAsJsonObject();
+        final List<Long> owner = jdbcTemplate.queryForList("SELECT client_id FROM m_tds_declaration WHERE id = ? AND is_revoked = false",
+                Long.class, id);
+        if (owner.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.tds.declaration.not.found", "No live declaration " + id + ".");
+        }
+        assertInScope(user, owner.get(0));
+        final String reason = requiredText(root, "reason");
+        jdbcTemplate.update("""
+                UPDATE m_tds_declaration
+                   SET is_revoked = true, revoked_on = ?, revoke_reason = ?, revoked_by = ?
+                 WHERE id = ?
+                """, DateUtils.getBusinessLocalDate(), reason, user.getId(), id);
+        return declarations(owner.get(0), null);
+    }
+
+    // ─────────────────────────── challans ───────────────────────────
+
+    /** Every challan entered for the year, reversed ones included so the trail stays visible. */
+    @GET
+    @Path("challans")
+    public String challans(@QueryParam("fy") final String fy) {
+        this.context.authenticatedUser();
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT ch.id, ch.fy_label, ch.deduction_month, ch.amount, ch.challan_no, ch.bsr_code, ch.deposited_on,
+                       ch.paid_from_gl_account_id, g.gl_code, g.name AS gl_name, ch.journal_transaction_id, ch.remarks,
+                       ch.is_reversed
+                  FROM m_tds_challan ch
+                  JOIN acc_gl_account g ON g.id = ch.paid_from_gl_account_id
+                 WHERE ch.fy_label = ?
+                 ORDER BY ch.deduction_month, ch.deposited_on, ch.id
+                """, fy);
+        final List<Map<String, Object>> out = new ArrayList<>();
+        for (final Map<String, Object> r : rows) {
+            final Map<String, Object> o = new LinkedHashMap<>();
+            o.put("id", r.get("id"));
+            o.put("fy", r.get("fy_label"));
+            o.put("month", r.get("deduction_month"));
+            o.put("amount", r.get("amount"));
+            o.put("challanNo", r.get("challan_no"));
+            o.put("bsrCode", r.get("bsr_code"));
+            o.put("depositedOn", str(r.get("deposited_on")));
+            o.put("paidFromGlAccountId", r.get("paid_from_gl_account_id"));
+            o.put("paidFrom", r.get("gl_code") + " · " + r.get("gl_name"));
+            o.put("journalTransactionId", r.get("journal_transaction_id"));
+            o.put("remarks", r.get("remarks"));
+            o.put("reversed", r.get("is_reversed"));
+            out.add(o);
+        }
+        return gson.toJson(out);
+    }
+
+    /**
+     * Tax actually deducted, month by month, for the year: the TDS debits on savings accounts for FD/RD
+     * interest received there. This is what the challans must add up to.
+     */
+    @GET
+    @Path("deducted")
+    public String deducted(@QueryParam("fy") final String fy) {
+        this.context.authenticatedUser();
+        requireFy(fy);
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT TO_CHAR(d.deducted_on, 'YYYY-MM') AS month, SUM(d.amount) AS amount, COUNT(*) AS postings
+                  FROM m_tds_deduction d
+                  JOIN m_savings_account_transaction t ON t.id = d.savings_transaction_id AND t.is_reversed = false
+                 WHERE d.fy_label = ?
+                 GROUP BY 1 ORDER BY 1
+                """, fy);
+        // The business date, not the wall clock: whether a challan is overdue is judged on the day the
+        // books are on.
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("asAt", DateUtils.getBusinessLocalDate().toString());
+        out.put("months", rows);
+        return gson.toJson(out);
+    }
+
+    /** Accounts the tax can be paid out of: active, postable asset accounts (bank, cash). */
+    @GET
+    @Path("challans/template")
+    public String challanTemplate() {
+        this.context.authenticatedUser().validateHasPermissionTo("CREATE_" + CHALLAN);
+        final List<Map<String, Object>> accounts = jdbcTemplate.queryForList("""
+                SELECT id, gl_code AS "glCode", name FROM acc_gl_account
+                 WHERE disabled = false AND account_usage = 1 AND classification_enum = 1
+                 ORDER BY gl_code
+                """);
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("paidFromOptions", accounts);
+        return gson.toJson(out);
+    }
+
+    /**
+     * Records a remittance and posts it: Dr TDS payable / Cr the account paid from, at Head Office.
+     * Only Head Office remits - the bank files one return under one TAN.
+     */
+    @POST
+    @Path("challans")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Transactional
+    public String createChallan(final String body) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("CREATE_" + CHALLAN);
+        assertHeadOffice(user);
+        final JsonObject root = this.fromJsonHelper.parse(body).getAsJsonObject();
+
+        final String fy = requireFy(requiredText(root, "fy"));
+        final String month = requiredText(root, "month");
+        if (!month.matches("\\d{4}-\\d{2}")) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.month.invalid", "Month must look like 2026-06.");
+        }
+        final int startYear = Integer.parseInt(fy.substring(0, 4));
+        final LocalDate monthStart = LocalDate.parse(month + "-01");
+        if (monthStart.isBefore(LocalDate.of(startYear, 4, 1)) || monthStart.isAfter(LocalDate.of(startYear + 1, 3, 1))) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.month.outside.year", "The month must fall inside " + fy + ".");
+        }
+        final BigDecimal amount = root.get("amount").getAsBigDecimal();
+        if (amount.signum() <= 0) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.amount.invalid", "Amount must be more than zero.");
+        }
+        final String challanNo = requiredText(root, "challanNo");
+        final String bsrCode = requiredText(root, "bsrCode");
+        if (!bsrCode.matches("\\d{7}")) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.bsr.invalid", "BSR code is 7 digits.");
+        }
+        final LocalDate depositedOn = requiredDate(root, "depositedOn");
+        if (depositedOn.isAfter(DateUtils.getBusinessLocalDate())) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.date.in.future", "Deposit date cannot be in the future.");
+        }
+        final Long paidFrom = requiredLong(root, "paidFromGlAccountId");
+        final String remarks = optionalText(root, "remarks");
+
+        final Integer dup = jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_tds_challan WHERE challan_no = ? AND bsr_code = ? AND deposited_on = ? AND is_reversed = false",
+                Integer.class, challanNo, bsrCode, depositedOn);
+        if (dup != null && dup > 0) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.duplicate", "This challan is already on record.");
+        }
+
+        final Long tdsPayable = tdsPayableGl();
+        final long officeId = user.getOffice().getId();
+        final String currency = jdbcTemplate.queryForObject("SELECT code FROM m_organisation_currency ORDER BY id LIMIT 1", String.class);
+        final String txnId = "TDSCH-" + UUID.randomUUID().toString().substring(0, 18);
+        final String narration = "TDS remitted for " + month + " · challan " + challanNo + " · BSR " + bsrCode;
+        journalEntry(officeId, currency, tdsPayable, depositedOn, amount, true, txnId, narration, user.getId());
+        journalEntry(officeId, currency, paidFrom, depositedOn, amount, false, txnId, narration, user.getId());
+
+        jdbcTemplate.update("""
+                INSERT INTO m_tds_challan (fy_label, deduction_month, amount, challan_no, bsr_code, deposited_on,
+                                           paid_from_gl_account_id, office_id, journal_transaction_id, remarks,
+                                           is_reversed, created_by, created_on)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, false, ?, now())
+                """, fy, month, amount, challanNo, bsrCode, depositedOn, paidFrom, officeId, txnId, remarks, user.getId());
+        return challans(fy);
+    }
+
+    /** Undoes a challan entered in error: the entry is reversed with an opposite one, the row kept. */
+    @POST
+    @Path("challans/{id}/reverse")
+    @Transactional
+    public String reverseChallan(@PathParam("id") final Long id) {
+        final AppUser user = this.context.authenticatedUser();
+        user.validateHasPermissionTo("UPDATE_" + CHALLAN);
+        assertHeadOffice(user);
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
+                "SELECT fy_label, amount, paid_from_gl_account_id, office_id, journal_transaction_id, challan_no FROM m_tds_challan"
+                        + " WHERE id = ? AND is_reversed = false",
+                id);
+        if (rows.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.not.found", "No live challan " + id + ".");
+        }
+        final Map<String, Object> ch = rows.get(0);
+        final String currency = jdbcTemplate.queryForObject("SELECT code FROM m_organisation_currency ORDER BY id LIMIT 1", String.class);
+        final LocalDate today = DateUtils.getBusinessLocalDate();
+        final String txnId = "TDSCHR-" + UUID.randomUUID().toString().substring(0, 17);
+        final String narration = "Reversal of TDS challan " + ch.get("challan_no");
+        final long officeId = ((Number) ch.get("office_id")).longValue();
+        final BigDecimal amount = (BigDecimal) ch.get("amount");
+        journalEntry(officeId, currency, tdsPayableGl(), today, amount, false, txnId, narration, user.getId());
+        journalEntry(officeId, currency, ((Number) ch.get("paid_from_gl_account_id")).longValue(), today, amount, true, txnId, narration,
+                user.getId());
+        jdbcTemplate.update("UPDATE m_tds_challan SET is_reversed = true WHERE id = ?", id);
+        return challans((String) ch.get("fy_label"));
+    }
+
+    // ─────────────────────────── helpers ───────────────────────────
+
+    /** Fineract convention: type_enum 2 = DEBIT, 1 = CREDIT. */
+    private void journalEntry(final long officeId, final String currency, final Long glAccountId, final LocalDate date,
+            final BigDecimal amount, final boolean debit, final String reference, final String narration, final Long userId) {
+        GLAccountTransactionGuard.assertPostable(jdbcTemplate, glAccountId);
+        jdbcTemplate.update("""
+                INSERT INTO acc_gl_journal_entry
+                    (office_id, account_id, currency_code, transaction_id, entry_date, transaction_date, type_enum,
+                     amount, description, entity_type_enum, entity_id, is_running_balance_calculated,
+                     reversed, manual_entry, office_running_balance, organization_running_balance,
+                     created_by, last_modified_by, created_date, lastmodified_date, created_on_utc,
+                     last_modified_on_utc, submitted_on_date)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, NULL, NULL, false, false, true, 0, 0, ?, ?,
+                        CURRENT_TIMESTAMP, CURRENT_TIMESTAMP, CURRENT_TIMESTAMP, CURRENT_TIMESTAMP, ?)
+                """, officeId, glAccountId, currency, reference, date, date, debit ? 2 : 1, amount, narration, userId, userId, date);
+    }
+
+    private Long tdsPayableGl() {
+        final List<Long> gl = jdbcTemplate.queryForList("SELECT gl_account_id FROM m_tds_gl_config WHERE config_key = 'TDS_PAYABLE'",
+                Long.class);
+        if (gl.isEmpty() || gl.get(0) == null) {
+            throw new PlatformDataIntegrityException("error.msg.tds.payable.gl.not.configured",
+                    "No TDS payable account is set. Choose one under Organization › TDS Configuration.");
+        }
+        return gl.get(0);
+    }
+
+    private void assertHeadOffice(final AppUser user) {
+        if (user.getOffice().getParent() != null) {
+            throw new PlatformDataIntegrityException("error.msg.tds.challan.head.office.only",
+                    "TDS is remitted by Head Office. A branch login cannot record a challan.");
+        }
+    }
+
+    /** A user may act only on customers of their own office or the offices below it. */
+    private void assertInScope(final AppUser user, final Long clientId) {
+        final Integer n = jdbcTemplate.queryForObject("""
+                SELECT COUNT(*) FROM m_client c JOIN m_office o ON o.id = c.office_id
+                 WHERE c.id = ? AND o.hierarchy LIKE ?
+                """, Integer.class, clientId, user.getOffice().getHierarchy() + "%");
+        if (n == null || n == 0) {
+            throw new PlatformDataIntegrityException("error.msg.tds.client.out.of.scope",
+                    "Customer " + clientId + " does not belong to your office.");
+        }
+    }
+
+    private static String requireFy(final String fy) {
+        if (fy == null || !fy.matches("\\d{4}-\\d{2}")) {
+            throw new PlatformDataIntegrityException("error.msg.tds.fy.invalid", "Financial year must look like 2026-27.");
+        }
+        return fy;
+    }
+
+    private static String str(final Object v) {
+        return v == null ? null : String.valueOf(v);
+    }
+
+    private static String optionalText(final JsonObject root, final String name) {
+        if (!root.has(name) || root.get(name).isJsonNull()) {
+            return null;
+        }
+        final String v = root.get(name).getAsString().trim();
+        return v.isEmpty() ? null : v;
+    }
+
+    private static String requiredText(final JsonObject root, final String name) {
+        final String v = optionalText(root, name);
+        if (v == null) {
+            throw new PlatformDataIntegrityException("error.msg.tds." + name + ".required", name + " is required.");
+        }
+        return v;
+    }
+
+    private static Long requiredLong(final JsonObject root, final String name) {
+        try {
+            return Long.valueOf(requiredText(root, name));
+        } catch (NumberFormatException e) {
+            throw new PlatformDataIntegrityException("error.msg.tds." + name + ".invalid", name + " must be a number.");
+        }
+    }
+
+    /** yyyy-MM-dd. */
+    private static LocalDate requiredDate(final JsonObject root, final String name) {
+        try {
+            return LocalDate.parse(requiredText(root, name));
+        } catch (DateTimeParseException e) {
+            throw new PlatformDataIntegrityException("error.msg.tds." + name + ".invalid", name + " must be a date like 2026-09-15.");
+        }
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/tds/data/TdsDeclarationData.java

@@ -0,0 +1,27 @@
+/**
+ * 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.tds.data;
+
+import java.io.Serializable;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+
+/** A 15G / 15H / Form 121 declaration: one customer, one financial year, from the day it was accepted. */
+public record TdsDeclarationData(Long id, Long clientId, String fy, String formType, String uin, LocalDate acceptedOn,
+        BigDecimal estimatedIncome, boolean revoked, LocalDate revokedOn, String revokeReason) implements Serializable {}

fineract-provider/src/main/java/org/apache/fineract/portfolio/tds/data/TdsDeducteeData.java

@@ -19,12 +19,13 @@
 package org.apache.fineract.portfolio.tds.data;
 
 import java.io.Serializable;
+import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.util.List;
 
 /**
- * A customer whose deposit interest the branch must consider for deduction under section 194A,
- * together with the accounts and the interest actually credited to them.
+ * A customer whose deposit interest the branch must consider for deduction, together with the
+ * accounts and the interest actually credited to them.
  *
  * <p>
  * The section bites on time deposits, so savings accounts are carried here as well but marked by
@@ -32,23 +33,31 @@ import java.util.List;
  * separately. Sending only the fixed and recurring deposits would hide from the branch that the
  * customer holds a savings balance at all, which is the first thing an officer checks when a
  * customer disputes a deduction.
+ *
+ * <p>
+ * The customer here is the <em>deductee</em>: a minor's deposit is listed under the guardian and a
+ * joint deposit under its primary holder, because that is whose PAN the tax is deducted against.
  */
 public record TdsDeducteeData(Long clientId, String customerId, String name, String pan, LocalDate dateOfBirth,
-        String branchName, String form15Type, List<TdsAccountData> accounts) implements Serializable {
+        String branchName, List<TdsDeclarationData> declarations, List<TdsAccountData> accounts) implements Serializable {
 
     /**
-     * One deposit account and the interest posted to it.
+     * One deposit account, the interest posted to it and the TDS actually deducted from it.
      *
      * @param depositTypeCode
      *            Fineract's own code - {@code depositAccountType.fixedDeposit},
      *            {@code recurringDeposit} or {@code savingsDeposit}. This is what decides whether
      *            the charge applies at all, so it is sent as the platform states it rather than as
      *            a flag this report worked out for itself.
+     * @param clientId
+     *            the deductee, which is the account holder unless the account is a minor's or joint
+     * @param holderClientId
+     *            the account's own holder, shown when it differs from the deductee
      */
-    public record TdsAccountData(Long id, String accountNo, String depositTypeCode, String accountStatus,
-            Long clientId, LocalDate openedOn, List<TdsInterestCreditData> credits) implements Serializable {}
+    public record TdsAccountData(Long id, String accountNo, String depositTypeCode, Long clientId, Long holderClientId,
+            String holderName, String accountStatus, LocalDate openedOn, List<TdsInterestCreditData> credits,
+            List<TdsInterestCreditData> deductions) implements Serializable {}
 
-    /** One interest posting: the date it was credited and the amount. */
-    public record TdsInterestCreditData(LocalDate date, java.math.BigDecimal amount, String accountNo)
-            implements Serializable {}
+    /** One interest posting, or one TDS deduction: the date and the amount. */
+    public record TdsInterestCreditData(LocalDate date, BigDecimal amount, String accountNo) implements Serializable {}
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/tds/service/SavingsInterestTdsService.java

@@ -0,0 +1,389 @@
+/**
+ * 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.tds.service;
+
+import jakarta.persistence.EntityManager;
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.util.HashSet;
+import java.util.List;
+import java.util.Map;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.accounting.journalentry.service.JournalEntryWritePlatformService;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.portfolio.account.domain.AccountTransferType;
+import org.apache.fineract.portfolio.savings.DepositAccountType;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccount;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountRepositoryWrapper;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountTransaction;
+import org.apache.fineract.portfolio.savings.domain.SavingsAccountTransactionRepository;
+import org.apache.fineract.portfolio.tax.domain.TaxComponent;
+import org.apache.fineract.portfolio.tax.domain.TaxComponentRepository;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+
+/**
+ * TDS on FD/RD interest, tracked and deducted where the interest is received.
+ *
+ * <p>
+ * Normally that is the customer's savings account: every time money moves from a fixed or recurring
+ * deposit into savings, the interest in it is recorded against the deductee (see
+ * {@link TdsSql#deducteeOf}) and any TDS due is debited from that savings account. The periodic
+ * interest sweep is all interest; a maturity or closure payout is principal and interest together, so
+ * only the interest not already received is counted. The FD and RD are not debited.
+ *
+ * <p>
+ * When a maturity or closure pays out in cash, by cheque or to a GL account instead, the interest never
+ * reaches savings, so it is tracked at the payout and the TDS comes out of the payout itself. A full
+ * reinvestment pays nothing out and is not taxed here.
+ *
+ * <p>
+ * The rules, all for one financial year and one deductee:
+ * <ol>
+ * <li>The FD/RD interest received, across every branch, is added up. The savings account's own interest
+ * is not - it is outside the charge.</li>
+ * <li>A declaration shields the interest received from the day it is accepted. Interest received
+ * before it stays liable.</li>
+ * <li>Nothing is deducted while the total stays within the threshold (senior or general).</li>
+ * <li>Once over it, the whole year's interest is liable - not merely the excess - at the PAN rate, or
+ * the higher rate without a valid PAN.</li>
+ * <li>What is deducted now is that liability less everything already deducted this year, so the credit
+ * that crosses the threshold catches up the earlier ones, and nothing is ever deducted twice.</li>
+ * </ol>
+ *
+ * <p>
+ * The tax is posted as a withhold-tax transaction through a tax component whose credit account is the
+ * TDS payable account set on Organization › TDS Configuration, so the passbook shows it and the
+ * account's own accounting writes Dr deposit liability / Cr TDS payable.
+ */
+@Slf4j
+@Service
+@RequiredArgsConstructor
+public class SavingsInterestTdsService {
+
+    /** The tax component every TDS deduction is booked through. Kept in step with the GL setting. */
+    public static final String TDS_COMPONENT_NAME = "TDS on deposit interest";
+
+    private final JdbcTemplate jdbcTemplate;
+    private final TaxComponentRepository taxComponentRepository;
+    private final EntityManager entityManager;
+    private final SavingsAccountRepositoryWrapper savingsAccountRepository;
+    private final SavingsAccountTransactionRepository savingsAccountTransactionRepository;
+    private final JournalEntryWritePlatformService journalEntryWritePlatformService;
+
+    /**
+     * Called once a savings-to-savings transfer has been saved.
+     *
+     * @param deposit
+     *            the credit on the receiving savings account
+     */
+    public void onTransfer(final SavingsAccount from, final SavingsAccount to, final SavingsAccountTransaction deposit,
+            final AccountTransferType transferType) {
+        if (from == null || to == null || deposit == null || deposit.getId() == null || !isTimeDeposit(from)) {
+            return;
+        }
+        final DepositAccountType toType = to.depositAccountType();
+        if (toType == null || !toType.isSavingsDeposit()) {
+            return;
+        }
+
+        final boolean sweep = transferType != null && transferType.isInterestTransfer();
+        final BigDecimal interest = sweep ? deposit.getAmount()
+                : interestInPayout(from.getId(), postedFromDatabase(from.getId()), deposit.getAmount());
+        if (interest.compareTo(BigDecimal.ZERO) <= 0) {
+            return;
+        }
+
+        final LocalDate date = deposit.getTransactionDate();
+        final Year year = Year.of(date);
+        final Long deductee = deducteeOf(from, year);
+        if (deductee == null) {
+            return;
+        }
+
+        final Long receiptId = insertReceipt(deductee, to.getId(), deposit.getId(), from.getId(), sweep ? "INTEREST" : "PAYOUT", year,
+                date, interest);
+
+        final Due due = dueFor(deductee, year, date, BigDecimal.ZERO);
+        if (due == null) {
+            return;
+        }
+        final Set<Long> existingIds = new HashSet<>(to.findExistingTransactionIds());
+        final Set<Long> existingReversedIds = new HashSet<>(to.findExistingReversedTransactionIds());
+        final SavingsAccountTransaction tds = to.deductTds(date, due.amount(), Map.of(due.component(), due.amount()));
+        // Saved on its own first, as Fineract does for every new transaction: saving only the account
+        // merges it, and the id lands on the merged copy - this instance stays null, which broke both
+        // the deduction row and the journal entry's transaction reference.
+        this.savingsAccountTransactionRepository.saveAndFlush(tds);
+        this.savingsAccountRepository.saveAndFlush(to);
+        this.journalEntryWritePlatformService.createJournalEntriesForSavings(
+                to.deriveAccountingBridgeData(to.getCurrency().getCode(), existingIds, existingReversedIds, false, false));
+        recordDeduction(deductee, to.getId(), tds.getId(), from.getId(), receiptId, year, date, due);
+    }
+
+    /**
+     * Interest paid straight out of an FD/RD at maturity or closure - in cash, by cheque, or to a GL
+     * account - never reaches a savings account, so it is tracked here instead, and any TDS it makes due
+     * is taken out of the payout itself.
+     *
+     * <p>
+     * Call just before the closing withdrawal is worked out: the deduction is added to the deposit, so a
+     * withdrawal of the account balance pays out what is left. The deposit is not saved here - the
+     * closing withdrawal saves it and posts the deduction's accounting along with its own. Then call
+     * {@link #recordDirectPayout}.
+     *
+     * @param kind
+     *            CASH or GL, for the tracking record
+     * @return what to record once the withdrawal exists, or null when the payout carried no interest
+     */
+    public DirectPayout deductOnDirectPayout(final SavingsAccount deposit, final LocalDate date, final String kind) {
+        if (deposit == null || deposit.getId() == null || date == null || !isTimeDeposit(deposit)) {
+            return null;
+        }
+        // From memory: the maturity or pre-closure interest posted moments ago is not saved yet.
+        BigDecimal posted = BigDecimal.ZERO;
+        for (final SavingsAccountTransaction t : deposit.getTransactions()) {
+            if (t.isInterestPostingAndNotReversed() && !t.isReversalTransaction()) {
+                posted = posted.add(t.getAmount());
+            }
+        }
+        final BigDecimal interest = interestInPayout(deposit.getId(), posted, deposit.getAccountBalance());
+        if (interest.compareTo(BigDecimal.ZERO) <= 0) {
+            return null;
+        }
+        final Year year = Year.of(date);
+        final Long deductee = deducteeOf(deposit, year);
+        if (deductee == null) {
+            return null;
+        }
+        final Due due = dueFor(deductee, year, date, interest);
+        final SavingsAccountTransaction tds = due == null ? null
+                : deposit.deductTds(date, due.amount(), Map.of(due.component(), due.amount()));
+        return new DirectPayout(deposit.getId(), deductee, year, date, interest, kind, due, tds);
+    }
+
+    /**
+     * Records the tracking row and the deduction for a direct payout, once the closing withdrawal has been
+     * saved, and marks the deduction as already posted so the caller's own journal run does not post it a
+     * second time - the withdrawal posted it.
+     */
+    public void recordDirectPayout(final DirectPayout payout, final SavingsAccountTransaction withdrawal,
+            final Set<Long> alreadyPostedTransactionIds) {
+        if (payout == null || withdrawal == null || withdrawal.getId() == null) {
+            return;
+        }
+        final Long receiptId = insertReceipt(payout.deductee(), payout.accountId(), withdrawal.getId(), payout.accountId(), payout.kind(),
+                payout.year(), payout.date(), payout.interest());
+        if (payout.tds() != null && payout.tds().getId() != null) {
+            recordDeduction(payout.deductee(), payout.accountId(), payout.tds().getId(), payout.accountId(), receiptId, payout.year(),
+                    payout.date(), payout.due());
+            if (alreadyPostedTransactionIds != null) {
+                alreadyPostedTransactionIds.add(payout.tds().getId());
+            }
+        }
+    }
+
+    /** What {@link #deductOnDirectPayout} worked out, held until the withdrawal is saved. */
+    public record DirectPayout(Long accountId, Long deductee, Year year, LocalDate date, BigDecimal interest, String kind, Due due,
+            SavingsAccountTransaction tds) {}
+
+    /** TDS due now, and what it was worked out on. */
+    public record Due(BigDecimal amount, BigDecimal ratePercent, BigDecimal liableInterest, TaxComponent component) {}
+
+    /** One Indian financial year. */
+    public record Year(LocalDate start, LocalDate end, String label) {
+
+        static Year of(final LocalDate date) {
+            final int startYear = TdsSql.fyStartYear(date);
+            return new Year(LocalDate.of(startYear, 4, 1), LocalDate.of(startYear + 1, 3, 31), TdsSql.fyLabel(startYear));
+        }
+    }
+
+    private static boolean isTimeDeposit(final SavingsAccount account) {
+        final DepositAccountType type = account.depositAccountType();
+        return type != null && (type.isFixedDeposit() || type.isRecurringDeposit());
+    }
+
+    private Long deducteeOf(final SavingsAccount deposit, final Year year) {
+        return jdbcTemplate.queryForObject("SELECT " + TdsSql.deducteeOf("sa") + " FROM m_savings_account sa WHERE sa.id = ?", Long.class,
+                year.start(), deposit.getId());
+    }
+
+    private Long insertReceipt(final Long deductee, final Long receivingAccountId, final Long txnId, final Long sourceAccountId,
+            final String kind, final Year year, final LocalDate date, final BigDecimal interest) {
+        return jdbcTemplate.queryForObject("""
+                INSERT INTO m_tds_interest_receipt (deductee_client_id, savings_account_id, savings_transaction_id, source_account_id,
+                                                    kind, fy_label, received_on, interest_amount, created_on)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, now()) RETURNING id
+                """, Long.class, deductee, receivingAccountId, txnId, sourceAccountId, kind, year.label(), date, interest);
+    }
+
+    private void recordDeduction(final Long deductee, final Long accountId, final Long txnId, final Long sourceAccountId,
+            final Long receiptId, final Year year, final LocalDate date, final Due due) {
+        jdbcTemplate.update("""
+                INSERT INTO m_tds_deduction (deductee_client_id, savings_account_id, savings_transaction_id, source_account_id, receipt_id,
+                                             fy_label, deducted_on, amount, rate_percentage, interest_base, created_on)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, now())
+                """, deductee, accountId, txnId, sourceAccountId, receiptId, year.label(), date, due.amount(), due.ratePercent(),
+                due.liableInterest());
+    }
+
+    /**
+     * The TDS due for the deductee now, or null when nothing is.
+     *
+     * @param extraInterest
+     *            interest received on {@code date} that is not on record yet
+     */
+    private Due dueFor(final Long deductee, final Year year, final LocalDate date, final BigDecimal extraInterest) {
+        final List<Map<String, Object>> cfgRows = jdbcTemplate.queryForList("""
+                SELECT threshold_general, threshold_senior, rate_pan_percentage, rate_no_pan_percentage, round_to
+                  FROM m_tds_fy_config WHERE fy_label = ?
+                """, year.label());
+        if (cfgRows.isEmpty()) {
+            // Tracked, but not deducted: the TDS screens show the same gap and the administrator fixes it there.
+            log.warn("No TDS configuration for FY {}; interest for client {} tracked but not taxed", year.label(), deductee);
+            return null;
+        }
+        final Map<String, Object> cfg = cfgRows.get(0);
+
+        final List<LocalDate> accepted = jdbcTemplate.queryForList("""
+                SELECT accepted_on FROM m_tds_declaration
+                 WHERE client_id = ? AND fy_label = ? AND is_revoked = false
+                 ORDER BY accepted_on
+                """, LocalDate.class, deductee, year.label());
+        final LocalDate shieldedFrom = accepted.isEmpty() ? year.end().plusDays(1) : accepted.get(0);
+
+        final Map<String, Object> totals = jdbcTemplate.queryForMap("""
+                SELECT COALESCE(SUM(r.interest_amount), 0) AS interest,
+                       COALESCE(SUM(CASE WHEN r.received_on < ? THEN r.interest_amount END), 0) AS liable
+                  FROM m_tds_interest_receipt r
+                  JOIN m_savings_account_transaction t ON t.id = r.savings_transaction_id AND t.is_reversed = false
+                 WHERE r.deductee_client_id = ? AND r.fy_label = ? AND r.received_on <= ?
+                """, shieldedFrom, deductee, year.label(), date);
+        final BigDecimal yearInterest = ((BigDecimal) totals.get("interest")).add(extraInterest);
+        final BigDecimal liableInterest = ((BigDecimal) totals.get("liable"))
+                .add(date.isBefore(shieldedFrom) ? extraInterest : BigDecimal.ZERO);
+        final BigDecimal deducted = jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(d.amount), 0)
+                  FROM m_tds_deduction d
+                  JOIN m_savings_account_transaction t ON t.id = d.savings_transaction_id AND t.is_reversed = false
+                 WHERE d.deductee_client_id = ? AND d.fy_label = ?
+                """, BigDecimal.class, deductee, year.label());
+
+        final Map<String, Object> person = jdbcTemplate.queryForMap("""
+                SELECT c.date_of_birth,
+                       (SELECT k.pan_number FROM m_client_kyc k
+                         WHERE k.client_id = c.id AND COALESCE(k.is_deleted, false) = false
+                         ORDER BY k.id DESC LIMIT 1) AS pan
+                  FROM m_client c WHERE c.id = ?
+                """, deductee);
+        final java.sql.Date dob = (java.sql.Date) person.get("date_of_birth");
+        final boolean senior = TdsSql.isSeniorInFy(dob == null ? null : dob.toLocalDate(), year.end());
+        final BigDecimal threshold = (BigDecimal) cfg.get(senior ? "threshold_senior" : "threshold_general");
+        if (yearInterest.compareTo(threshold) <= 0) {
+            return null;
+        }
+
+        final boolean panOk = TdsSql.isWellFormedPan((String) person.get("pan"));
+        final BigDecimal ratePercent = (BigDecimal) cfg.get(panOk ? "rate_pan_percentage" : "rate_no_pan_percentage");
+        final int roundTo = ((Number) cfg.get("round_to")).intValue();
+        final BigDecimal liability = TdsSql.roundToMultiple(liableInterest.multiply(ratePercent).movePointLeft(2), roundTo);
+        final BigDecimal already = deducted == null ? BigDecimal.ZERO : deducted;
+        final BigDecimal amount = liability.subtract(already);
+        if (amount.compareTo(BigDecimal.ZERO) <= 0) {
+            return null;
+        }
+        log.info("TDS {} due for client {} (FY {}: interest {}, liability {}, already deducted {})", amount, deductee, year.label(),
+                yearInterest, liability, already);
+        return new Due(amount, ratePercent, liableInterest, tdsComponent(ratePercent));
+    }
+
+    private BigDecimal postedFromDatabase(final Long accountId) {
+        return jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(amount), 0) FROM m_savings_account_transaction
+                 WHERE savings_account_id = ? AND transaction_type_enum = ? AND is_reversed = false
+                """, BigDecimal.class, accountId, TdsSql.INTEREST_POSTING);
+    }
+
+    /**
+     * The interest inside a maturity or closure payout: interest posted on the deposit that has not been
+     * received already - through the interest sweep or an earlier payout. Capped at the payout.
+     *
+     * <p>
+     * On a premature closure the months already swept to savings stand as they were; only the interest
+     * for the days since is paid out now, and only that is counted.
+     */
+    private BigDecimal interestInPayout(final Long sourceAccountId, final BigDecimal posted, final BigDecimal payout) {
+        final BigDecimal swept = jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(att.amount), 0)
+                  FROM m_account_transfer_transaction att
+                  JOIN m_account_transfer_details d ON d.id = att.account_transfer_details_id
+                 WHERE d.from_savings_account_id = ? AND d.transfer_type = ? AND att.is_reversed = false
+                """, BigDecimal.class, sourceAccountId, AccountTransferType.INTEREST_TRANSFER.getValue());
+        final BigDecimal paidOut = jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(r.interest_amount), 0)
+                  FROM m_tds_interest_receipt r
+                  JOIN m_savings_account_transaction t ON t.id = r.savings_transaction_id AND t.is_reversed = false
+                 WHERE r.source_account_id = ? AND r.kind <> 'INTEREST'
+                """, BigDecimal.class, sourceAccountId);
+        final BigDecimal unpaid = posted.subtract(swept).subtract(paidOut);
+        if (unpaid.compareTo(BigDecimal.ZERO) <= 0 || payout == null) {
+            return BigDecimal.ZERO;
+        }
+        return unpaid.min(payout);
+    }
+
+    /**
+     * The tax component the deduction is booked through, created on first use and re-pointed whenever
+     * the TDS payable account on the configuration screen changes.
+     */
+    private TaxComponent tdsComponent(final BigDecimal ratePercent) {
+        final List<Long> gl = jdbcTemplate.queryForList("SELECT gl_account_id FROM m_tds_gl_config WHERE config_key = 'TDS_PAYABLE'",
+                Long.class);
+        if (gl.isEmpty() || gl.get(0) == null) {
+            throw new GeneralPlatformDomainRuleException("error.msg.tds.payable.gl.not.configured",
+                    "TDS is due on this interest but no TDS payable account is set. Choose one under Organization › TDS Configuration.");
+        }
+        final Long glId = gl.get(0);
+        final List<Long> existing = jdbcTemplate.queryForList("SELECT id FROM m_tax_component WHERE name = ? ORDER BY id", Long.class,
+                TDS_COMPONENT_NAME);
+        final Long id;
+        boolean repointed = false;
+        if (existing.isEmpty()) {
+            id = jdbcTemplate.queryForObject("""
+                    INSERT INTO m_tax_component (name, percentage, credit_account_type_enum, credit_account_id, start_date,
+                                                 createdby_id, created_date, lastmodifiedby_id, lastmodified_date)
+                    SELECT ?, ?, 2, ?, DATE '2000-01-01', MIN(u.id), now(), MIN(u.id), now() FROM m_appuser u
+                    RETURNING id
+                    """, Long.class, TDS_COMPONENT_NAME, ratePercent, glId);
+        } else {
+            id = existing.get(0);
+            repointed = jdbcTemplate.update("UPDATE m_tax_component SET credit_account_type_enum = 2, credit_account_id = ? WHERE id = ?"
+                    + " AND (credit_account_id IS DISTINCT FROM ? OR credit_account_type_enum IS DISTINCT FROM 2)", glId, id, glId) > 0;
+        }
+        final TaxComponent component = taxComponentRepository.findById(id).orElseThrow();
+        // Written behind JPA's back, so a copy already in this session would still credit the old account.
+        if (repointed) {
+            entityManager.refresh(component);
+        }
+        return component;
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/tds/service/TdsInterestReadPlatformService.java

@@ -29,6 +29,8 @@ public interface TdsInterestReadPlatformService {
      * @param financialYear
      *            the Indian financial year as its opening calendar year - 2026 means 1 Apr 2026 to
      *            31 Mar 2027
+     * @param clientId
+     *            one customer only, or null for everyone in the user's scope
      */
-    List<TdsDeducteeData> retrieveForFinancialYear(int financialYear);
+    List<TdsDeducteeData> retrieveForFinancialYear(int financialYear, Long clientId);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/tds/service/TdsInterestReadPlatformServiceImpl.java

@@ -27,6 +27,8 @@ import java.util.LinkedHashMap;
 import java.util.List;
 import java.util.Map;
 import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.tds.data.TdsDeclarationData;
 import org.apache.fineract.portfolio.tds.data.TdsDeducteeData;
 import org.apache.fineract.portfolio.tds.data.TdsDeducteeData.TdsAccountData;
 import org.apache.fineract.portfolio.tds.data.TdsDeducteeData.TdsInterestCreditData;
@@ -35,8 +37,8 @@ import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
 /**
- * Reads the interest the bank actually credited, so the deduction is worked out from the ledger
- * rather than from a balance and a rate.
+ * Reads the interest the bank actually credited, and the TDS it actually deducted, so the register is
+ * worked out from the ledger rather than from a balance and a rate.
  */
 @Service
 @RequiredArgsConstructor
@@ -44,109 +46,150 @@ import org.springframework.transaction.annotation.Transactional;
 public class TdsInterestReadPlatformServiceImpl implements TdsInterestReadPlatformService {
 
     /**
-     * Interest posting - NOT a deposit, a withdrawal, a fee or a transfer.
+     * Every account, grouped under the client whose PAN carries its deduction, with what counts for TDS
+     * inside the year.
      *
      * <p>
-     * This single condition is what makes the figure an interest figure. A deposit is the
-     * customer's own money arriving and is not income; a withdrawal and a fee are not income
-     * either. Only what the bank itself credited as interest can be deducted against, so the
-     * transaction type is filtered here rather than being inferred later from an amount.
-     *
-     * @see org.apache.fineract.portfolio.savings.SavingsAccountTransactionType#INTEREST_POSTING
-     */
-    private static final int INTEREST_POSTING = 3;
-
-    /**
-     * Every deposit the customer holds, with the interest credited to each inside the year.
+     * On a fixed or recurring deposit, "interest" is the FD/RD interest that reached the customer's
+     * savings account (m_tds_interest_receipt) and "deductions" the TDS debited there for it
+     * (m_tds_deduction) - TDS is tracked and taken where the interest is received, and the deposit
+     * itself is never debited. Interest still sitting in a deposit is not counted until it is paid out.
+     * Rows whose savings transaction has been reversed are left out: reversed money was never received.
      *
      * <p>
-     * Savings accounts are included deliberately. Section 194A does not reach them, and the caller
-     * keeps their interest out of the aggregate - but the branch still has to see that the customer
-     * holds one, and the row on screen shows it as exempt rather than leaving it out entirely.
+     * On a savings account, "interest" is its own interest postings. The charge does not reach them, and
+     * the caller keeps them out of the aggregate - but the branch still has to see them.
      *
      * <p>
-     * Reversed postings are excluded: a reversed posting was never income, and leaving it in would
-     * deduct tax on interest the customer never received.
+     * Scoped to the signed-in user's office and the offices below it, on the deductee's office. A branch
+     * login therefore receives only its own customers. Each customer still arrives with every one of
+     * their deposits, wherever held, because the threshold is tested on the bank as a whole.
      */
     private static final String SQL = """
+            WITH acc AS (
+                SELECT sa.id, sa.account_no, sa.deposit_type_enum, sa.activatedon_date, sa.account_status,
+                       sa.client_id AS holder_id, %s AS deductee_id
+                  FROM m_savings_account sa
+                 WHERE sa.client_id IS NOT NULL
+            ),
+            lines AS (
+                SELECT t.savings_account_id AS account_id, 'C' AS kind, t.transaction_date AS d, t.amount AS amt
+                  FROM m_savings_account_transaction t
+                  JOIN m_savings_account s ON s.id = t.savings_account_id AND s.deposit_type_enum = 100
+                 WHERE t.transaction_type_enum = ? AND t.is_reversed = false AND t.transaction_date BETWEEN ? AND ?
+                UNION ALL
+                SELECT r.source_account_id, 'C', r.received_on, r.interest_amount
+                  FROM m_tds_interest_receipt r
+                  JOIN m_savings_account_transaction t ON t.id = r.savings_transaction_id AND t.is_reversed = false
+                 WHERE r.received_on BETWEEN ? AND ?
+                UNION ALL
+                SELECT dd.source_account_id, 'D', dd.deducted_on, dd.amount
+                  FROM m_tds_deduction dd
+                  JOIN m_savings_account_transaction t ON t.id = dd.savings_transaction_id AND t.is_reversed = false
+                 WHERE dd.deducted_on BETWEEN ? AND ?
+            )
             SELECT c.id                     AS client_id,
                    c.account_no             AS customer_id,
                    c.display_name           AS name,
                    c.date_of_birth          AS date_of_birth,
-                   k.pan_number             AS pan,
-                   k.form15_type            AS form15_type,
+                   (SELECT k.pan_number FROM m_client_kyc k
+                     WHERE k.client_id = c.id AND COALESCE(k.is_deleted, false) = false
+                     ORDER BY k.id DESC LIMIT 1) AS pan,
                    o.name                   AS branch_name,
-                   sa.id                    AS account_id,
-                   sa.account_no            AS account_no,
-                   sa.activatedon_date      AS opened_on,
-                   CASE sa.deposit_type_enum
+                   a.id                     AS account_id,
+                   a.account_no             AS account_no,
+                   a.activatedon_date       AS opened_on,
+                   a.account_status         AS account_status,
+                   a.holder_id              AS holder_id,
+                   h.display_name           AS holder_name,
+                   CASE a.deposit_type_enum
                         WHEN 100 THEN 'depositAccountType.savingsDeposit'
                         WHEN 200 THEN 'depositAccountType.fixedDeposit'
                         WHEN 300 THEN 'depositAccountType.recurringDeposit'
                         ELSE 'depositAccountType.unknown' END AS deposit_type_code,
-                   t.transaction_date       AS credit_date,
-                   t.amount                 AS credit_amount
-              FROM m_savings_account sa
-              JOIN m_client c ON c.id = sa.client_id
-              LEFT JOIN m_office o ON o.id = c.office_id
-              LEFT JOIN m_client_kyc k ON k.client_id = c.id
-              LEFT JOIN m_savings_account_transaction t
-                     ON t.savings_account_id = sa.id
-                    AND t.transaction_type_enum = ?
-                    AND t.is_reversed = false
-                    AND t.transaction_date >= ?
-                    AND t.transaction_date <= ?
-             WHERE sa.client_id IS NOT NULL
-             ORDER BY c.display_name, sa.account_no, t.transaction_date
-            """;
+                   l.kind                   AS line_kind,
+                   l.d                      AS txn_date,
+                   l.amt                    AS txn_amount
+              FROM acc a
+              JOIN m_client c ON c.id = a.deductee_id
+              JOIN m_office o ON o.id = c.office_id
+              JOIN m_client h ON h.id = a.holder_id
+              LEFT JOIN lines l ON l.account_id = a.id
+             WHERE o.hierarchy LIKE ?
+               AND (CAST(? AS BIGINT) IS NULL OR c.id = CAST(? AS BIGINT))
+             ORDER BY c.display_name, a.account_no, l.d
+            """.formatted(TdsSql.deducteeOf("sa"));
 
     private final JdbcTemplate jdbcTemplate;
+    private final PlatformSecurityContext context;
 
     @Override
-    public List<TdsDeducteeData> retrieveForFinancialYear(final int financialYear) {
+    public List<TdsDeducteeData> retrieveForFinancialYear(final int financialYear, final Long onlyClientId) {
         // The Indian financial year, 1 April to 31 March.
         final LocalDate from = LocalDate.of(financialYear, 4, 1);
         final LocalDate to = LocalDate.of(financialYear + 1, 3, 31);
+        final java.sql.Date f = java.sql.Date.valueOf(from);
+        final java.sql.Date t = java.sql.Date.valueOf(to);
+        final String hierarchy = this.context.authenticatedUser().getOffice().getHierarchy() + "%";
 
         final Map<Long, Deductee> byClient = new LinkedHashMap<>();
 
         jdbcTemplate.query(SQL, rs -> {
             final long clientId = rs.getLong("client_id");
             final Deductee deductee = byClient.computeIfAbsent(clientId,
-                    id -> new Deductee(id, readString(rs, "customer_id"), readString(rs, "name"),
-                            readString(rs, "pan"), readDate(rs, "date_of_birth"), readString(rs, "branch_name"),
-                            readString(rs, "form15_type")));
+                    id -> new Deductee(id, readString(rs, "customer_id"), readString(rs, "name"), readString(rs, "pan"),
+                            readDate(rs, "date_of_birth"), readString(rs, "branch_name")));
 
             final long accountId = rs.getLong("account_id");
-            final Account account = deductee.accounts.computeIfAbsent(accountId, id -> new Account(id,
-                    readString(rs, "account_no"), readString(rs, "deposit_type_code"), readDate(rs, "opened_on")));
+            final Account account = deductee.accounts.computeIfAbsent(accountId,
+                    id -> new Account(id, readString(rs, "account_no"), readString(rs, "deposit_type_code"), readLong(rs, "holder_id"),
+                            readString(rs, "holder_name"), readString(rs, "account_status"), readDate(rs, "opened_on")));
 
-            // Null where the outer join found no posting inside the year: the account is still
-            // listed, it simply earned nothing in the window.
-            final java.sql.Date creditDate = rs.getDate("credit_date");
-            if (creditDate != null) {
-                final BigDecimal amount = rs.getBigDecimal("credit_amount");
-                account.credits.add(new TdsInterestCreditData(creditDate.toLocalDate(), amount, account.accountNo));
+            // Null where the outer join found nothing inside the year: the account is still listed, it
+            // simply earned nothing in the window.
+            final java.sql.Date date = rs.getDate("txn_date");
+            if (date != null) {
+                final BigDecimal amount = rs.getBigDecimal("txn_amount");
+                final TdsInterestCreditData line = new TdsInterestCreditData(date.toLocalDate(), amount, account.accountNo);
+                if ("D".equals(rs.getString("line_kind"))) {
+                    account.deductions.add(line);
+                } else {
+                    account.credits.add(line);
+                }
             }
-        }, INTEREST_POSTING, java.sql.Date.valueOf(from), java.sql.Date.valueOf(to));
+        }, f, TdsSql.INTEREST_POSTING, f, t, f, t, f, t, hierarchy, onlyClientId, onlyClientId);
+
+        final Map<Long, List<TdsDeclarationData>> declarations = declarationsFor(TdsSql.fyLabel(financialYear));
 
         final List<TdsDeducteeData> result = new ArrayList<>();
         for (final Deductee d : byClient.values()) {
             final List<TdsAccountData> accounts = new ArrayList<>();
             for (final Account a : d.accounts.values()) {
-                // accountStatus is the RBI holding pattern (SINGLE / JOINT / MINOR) the caller uses
-                // to decide whose PAN carries the deduction. Fineract does not model it on the
-                // savings account, so it is left null and the caller falls back to the account
-                // holder rather than inventing a joint holder who may not exist.
-                accounts.add(
-                        new TdsAccountData(a.id, a.accountNo, a.depositTypeCode, null, d.clientId, a.openedOn, a.credits));
+                accounts.add(new TdsAccountData(a.id, a.accountNo, a.depositTypeCode, d.clientId, a.holderId, a.holderName, a.accountStatus,
+                        a.openedOn, a.credits, a.deductions));
             }
             result.add(new TdsDeducteeData(d.clientId, d.customerId, d.name, d.pan, d.dateOfBirth, d.branchName,
-                    d.form15Type, accounts));
+                    declarations.getOrDefault(d.clientId, List.of()), accounts));
         }
         return result;
     }
 
+    private Map<Long, List<TdsDeclarationData>> declarationsFor(final String fy) {
+        final Map<Long, List<TdsDeclarationData>> out = new LinkedHashMap<>();
+        jdbcTemplate.query("""
+                SELECT id, client_id, fy_label, form_type, uin, accepted_on, estimated_income
+                  FROM m_tds_declaration
+                 WHERE fy_label = ? AND is_revoked = false
+                 ORDER BY accepted_on
+                """, rs -> {
+            final TdsDeclarationData d = new TdsDeclarationData(rs.getLong("id"), rs.getLong("client_id"), rs.getString("fy_label"),
+                    rs.getString("form_type"), rs.getString("uin"), readDate(rs, "accepted_on"), rs.getBigDecimal("estimated_income"),
+                    false, null, null);
+            out.computeIfAbsent(d.clientId(), k -> new ArrayList<>()).add(d);
+        }, fy);
+        return out;
+    }
+
     private static String readString(final ResultSet rs, final String column) {
         try {
             return rs.getString(column);
@@ -155,6 +198,15 @@ public class TdsInterestReadPlatformServiceImpl implements TdsInterestReadPlatfo
         }
     }
 
+    private static Long readLong(final ResultSet rs, final String column) {
+        try {
+            final long v = rs.getLong(column);
+            return rs.wasNull() ? null : v;
+        } catch (final SQLException e) {
+            throw new IllegalStateException("Could not read column " + column, e);
+        }
+    }
+
     private static LocalDate readDate(final ResultSet rs, final String column) {
         try {
             final java.sql.Date value = rs.getDate(column);
@@ -173,18 +225,15 @@ public class TdsInterestReadPlatformServiceImpl implements TdsInterestReadPlatfo
         private final String pan;
         private final LocalDate dateOfBirth;
         private final String branchName;
-        private final String form15Type;
         private final Map<Long, Account> accounts = new LinkedHashMap<>();
 
-        private Deductee(Long clientId, String customerId, String name, String pan, LocalDate dateOfBirth,
-                String branchName, String form15Type) {
+        private Deductee(Long clientId, String customerId, String name, String pan, LocalDate dateOfBirth, String branchName) {
             this.clientId = clientId;
             this.customerId = customerId;
             this.name = name;
             this.pan = pan;
             this.dateOfBirth = dateOfBirth;
             this.branchName = branchName;
-            this.form15Type = form15Type;
         }
     }
 
@@ -193,13 +242,21 @@ public class TdsInterestReadPlatformServiceImpl implements TdsInterestReadPlatfo
         private final Long id;
         private final String accountNo;
         private final String depositTypeCode;
+        private final Long holderId;
+        private final String holderName;
+        private final String accountStatus;
         private final LocalDate openedOn;
         private final List<TdsInterestCreditData> credits = new ArrayList<>();
+        private final List<TdsInterestCreditData> deductions = new ArrayList<>();
 
-        private Account(Long id, String accountNo, String depositTypeCode, LocalDate openedOn) {
+        private Account(Long id, String accountNo, String depositTypeCode, Long holderId, String holderName, String accountStatus,
+                LocalDate openedOn) {
             this.id = id;
             this.accountNo = accountNo;
             this.depositTypeCode = depositTypeCode;
+            this.holderId = holderId;
+            this.holderName = holderName;
+            this.accountStatus = accountStatus;
             this.openedOn = openedOn;
         }
     }