Merge branch 'feature/fd-interest-posting' into dev-latest

Brings the FD interest posting work into dev-latest:
- FD interest posting approval with pooled GL postings, posting period
  shown per line, maturity postings surfaced, double-posting guard
- FD maturity approval report added and then reverted (maturity now
  runs directly through the scheduler, no approval step)
- Pending user approval encodes the password and emails it
- New-tenant user personalisation, with the 'system' username kept so
  scheduler jobs and COB can still find the system user

Conflicts resolved:
- SavingsAccountReadPlatformServiceImpl#retrieveAllSavingsDataForInterestPosting:
  kept both exclusions. Recurring deposits (deposit_type_enum 300) stay
  out of the generic interest posting job (dev-latest), and fixed
  deposits are also left out when FD interest posting approval is
  enabled (feature branch), so FD interest is not paid twice.
  Comments from both sides merged.
- final-changelog-tenant.xml: kept dev-latest's 0592-0598 TDS and
  recurring deposit changelogs and added
  0593_fd_interest_posting_approval.xml after them. The file keeps its
  name although its number clashes with 0593_tds_...: Liquibase tracks
  changesets by file path, so renaming it would re-run it on databases
  that already applied it. Changeset ids in the two files differ.

Verified with :fineract-provider:compileJava.

Co-Authored-By: Claude Opus 5.5 <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/ProductToGLAccountMappingReadPlatformService.java

@@ -38,6 +38,8 @@ public interface ProductToGLAccountMappingReadPlatformService {
 
     Map<String, Object> fetchAccountMappingDetailsForSavingsProduct(Long savingsProductId, Integer accountingType);
 
+    Map<String, Object> fetchAccountMappingDetailsForCurrentProduct(Long currentProductId, Integer accountingType);
+
     List<PaymentTypeToGLAccountMapper> fetchPaymentTypeToFundSourceMappingsForSavingsProduct(Long savingsProductId);
 
     List<ChargeToGLAccountMapper> fetchFeeToIncomeAccountMappingsForSavingsProduct(Long savingsProductId);

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

@@ -202,6 +202,20 @@ public class ProductToGLAccountMappingReadPlatformServiceImpl implements Product
         return accountMappingDetails;
     }
 
+    /** A current product's mappings, which live under their own CURRENT product type, laid out as a savings product's. */
+    @Override
+    public Map<String, Object> fetchAccountMappingDetailsForCurrentProduct(final Long currentProductId, final Integer accountingType) {
+        final List<ProductToGLAccountMapping> mappings = productToGLAccountMappingRepository.findAllRegularMappings(currentProductId,
+                PortfolioProductType.CURRENT.getValue());
+        if (AccountingValidations.isCashBasedAccounting(accountingType)) {
+            return setCashSavingsProductToGLAccountMaps(mappings);
+        }
+        if (AccountingValidations.isAccrualPeriodicBasedAccounting(accountingType)) {
+            return setAccrualPeriodicSavingsProductToGLAccountMaps(mappings);
+        }
+        return null;
+    }
+
     @Override
     public List<PaymentTypeToGLAccountMapper> fetchPaymentTypeToFundSourceMappingsForLoanProduct(final Long loanProductId) {
         return fetchPaymentTypeToFundSourceMappings(PortfolioProductType.LOAN, loanProductId);
@@ -463,6 +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-accounting/src/main/java/org/apache/fineract/accounting/producttoaccountmapping/service/SavingsProductToGLAccountMappingHelper.java

@@ -264,6 +264,13 @@ public class SavingsProductToGLAccountMappingHelper extends ProductToGLAccountMa
                         savingsProductId, CashAccountsForSavings.ESCHEAT_LIABILITY.getValue(), changes);
                 createOrmergeSavingsToExpenseAccountMappingChanges(element, SavingProductAccountingParams.ROUNDING_ADJUSTMENT.getValue(),
                         savingsProductId, CashAccountsForSavings.ROUNDING_ADJUSTMENT.getValue(), changes);
+                // Interest Payable is editable on cash too, and optional. Interest posting routes
+                // through it on either basis, so a product can name one to carry interest declared
+                // but not yet credited; a product that names none still posts straight to Savings
+                // Control. Created-or-merged because a product configured before this row existed
+                // has no mapping to merge into.
+                createOrmergeSavingsToLiabilityAccountMappingChanges(element, SavingProductAccountingParams.INTEREST_PAYABLE.getValue(),
+                        savingsProductId, AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), changes);
             break;
             case ACCRUAL_PERIODIC:
                 // asset

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

@@ -163,6 +163,7 @@ public class CommandSourceService {
                 || "CURRENTPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "SHAREPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "FIXEDDEPOSITPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "RECURRINGDEPOSITPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "USER".equalsIgnoreCase(commandSource.getEntityName())
                 || "ROLE".equalsIgnoreCase(commandSource.getEntityName())) {
             return false;

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

@@ -756,6 +756,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder deleteFund(final Long fundId) {
+        this.actionName = "DELETE";
+        this.entityName = "FUND";
+        this.entityId = fundId;
+        this.href = "/funds/" + fundId;
+        return this;
+    }
+
     public CommandWrapperBuilder createReport() {
         this.actionName = "CREATE";
         this.entityName = "REPORT";
@@ -884,6 +892,70 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createPaymentType() {
+        this.actionName = "CREATE";
+        this.entityName = "PAYMENTTYPE";
+        this.entityId = null;
+        this.href = "/paymenttypes/template";
+        return this;
+    }
+
+    public CommandWrapperBuilder updatePaymentType(final Long paymentTypeId) {
+        this.actionName = "UPDATE";
+        this.entityName = "PAYMENTTYPE";
+        this.entityId = paymentTypeId;
+        this.href = "/paymenttypes/" + paymentTypeId;
+        return this;
+    }
+
+    public CommandWrapperBuilder deletePaymentType(final Long paymentTypeId) {
+        this.actionName = "DELETE";
+        this.entityName = "PAYMENTTYPE";
+        this.entityId = paymentTypeId;
+        this.href = "/paymenttypes/" + paymentTypeId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createSponsorBank() {
+        this.actionName = "CREATE";
+        this.entityName = "SPONSORBANK";
+        this.entityId = null;
+        this.href = "/sponsorbanks";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateSponsorBank(final Long sponsorBankId) {
+        this.actionName = "UPDATE";
+        this.entityName = "SPONSORBANK";
+        this.entityId = sponsorBankId;
+        this.href = "/sponsorbanks/" + sponsorBankId;
+        return this;
+    }
+
+    public CommandWrapperBuilder updateSponsorDdGlMapping() {
+        this.actionName = "UPDATE";
+        this.entityName = "SPONSORDDGLMAPPING";
+        this.entityId = null;
+        this.href = "/sponsordd/gl-mapping";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateInstitutionProfile() {
+        this.actionName = "UPDATE";
+        this.entityName = "INSTITUTIONPROFILE";
+        this.entityId = null;
+        this.href = "/institutionprofile";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateBranchProfile(final Long officeId) {
+        this.actionName = "UPDATE";
+        this.entityName = "BRANCHPROFILE";
+        this.entityId = officeId;
+        this.href = "/branchprofile/" + officeId;
+        return this;
+    }
+
     public CommandWrapperBuilder createLoanProduct() {
         this.actionName = "CREATE";
         this.entityName = "LOANPRODUCT";
@@ -3085,6 +3157,15 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder extendTenureRecurringDepositAccount(final Long accountId) {
+        this.actionName = "EXTENDTENURE";
+        this.entityName = "RECURRINGDEPOSITACCOUNT";
+        this.entityId = accountId;
+        this.savingsId = accountId;
+        this.href = "/recurringdepositaccounts/" + accountId + "?command=extendTenure";
+        return this;
+    }
+
     public CommandWrapperBuilder prematureCloseRecurringDepositAccount(final Long accountId) {
         this.actionName = "PREMATURECLOSE";
         this.entityName = "RECURRINGDEPOSITACCOUNT";
@@ -3390,6 +3471,13 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder updateCurrency() {
+        this.actionName = "UPDATE";
+        this.entityName = "CURRENCY";
+        this.href = "/currencies";
+        return this;
+    }
+
     public CommandWrapperBuilder updateExternalServiceProperties(final String externalServiceName) {
         this.actionName = "UPDATE";
         this.entityName = "EXTERNALSERVICES";
@@ -4730,4 +4818,36 @@ public class CommandWrapperBuilder {
         this.href = "/loans/" + loanId + "/originators/" + originatorId;
         return this;
     }
+
+    public CommandWrapperBuilder createSurvey() {
+        this.actionName = "CREATE";
+        this.entityName = "SURVEY";
+        this.entityId = null;
+        this.href = "/surveys";
+        return this;
+    }
+
+    public CommandWrapperBuilder updateSurvey(final Long surveyId) {
+        this.actionName = "UPDATE";
+        this.entityName = "SURVEY";
+        this.entityId = surveyId;
+        this.href = "/surveys/" + surveyId;
+        return this;
+    }
+
+    public CommandWrapperBuilder activateSurvey(final Long surveyId) {
+        this.actionName = "ACTIVATE";
+        this.entityName = "SURVEY";
+        this.entityId = surveyId;
+        this.href = "/surveys/" + surveyId;
+        return this;
+    }
+
+    public CommandWrapperBuilder deactivateSurvey(final Long surveyId) {
+        this.actionName = "DEACTIVATE";
+        this.entityName = "SURVEY";
+        this.entityId = surveyId;
+        this.href = "/surveys/" + surveyId;
+        return this;
+    }
 }

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

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

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

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

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

@@ -43,6 +43,8 @@ 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"), //
+    FD_INTEREST_POSTING_REPORT("Generate Fixed Deposit Interest Posting Report"), //
     ADD_PERIODIC_ACCRUAL_ENTRIES_FOR_LOANS_WITH_INCOME_POSTED_AS_TRANSACTIONS(
             "Add Accrual Transactions For Loans With Income Posted As Transactions"), //
     EXECUTE_REPORT_MAILING_JOBS("Execute Report Mailing Jobs"), //
@@ -73,6 +75,9 @@ public enum JobName {
     CTR_REPORT_GENERATION("AML Monthly CTR Report Generation"), //
     AML_STR_WEEKLY_DIGEST("AML STR Weekly Digest"), //
     CLIENT_BEHAVIOUR_WINDOW("Client Behaviour Window Computation"), //
+    SAVE_RBI_FORM_A_RETURN("Save RBI Form A Return"), //
+    EXECUTE_RD_AUTO_DEBIT("Execute RD Auto Debit"), //
+    APPLY_RD_MISSED_INSTALLMENT_PENALTY("Apply RD Missed Installment Penalty"), //
     ; //
 
     private final String name;

fineract-core/src/main/java/org/apache/fineract/organisation/monetary/api/CurrenciesApiResource.java

@@ -27,13 +27,14 @@ import jakarta.ws.rs.PUT;
 import jakarta.ws.rs.Path;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.core.MediaType;
-import java.util.function.Supplier;
 import lombok.RequiredArgsConstructor;
-import org.apache.fineract.command.core.CommandPipeline;
-import org.apache.fineract.organisation.monetary.command.CurrencyUpdateCommand;
+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.core.serialization.DefaultToApiJsonSerializer;
 import org.apache.fineract.organisation.monetary.data.CurrencyConfigurationData;
 import org.apache.fineract.organisation.monetary.data.CurrencyUpdateRequest;
-import org.apache.fineract.organisation.monetary.data.CurrencyUpdateResponse;
 import org.apache.fineract.organisation.monetary.service.OrganisationCurrencyReadPlatformService;
 import org.springframework.stereotype.Component;
 
@@ -44,7 +45,8 @@ import org.springframework.stereotype.Component;
 public class CurrenciesApiResource {
 
     private final OrganisationCurrencyReadPlatformService readPlatformService;
-    private final CommandPipeline commandPipeline;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+    private final DefaultToApiJsonSerializer<CurrencyUpdateRequest> toApiJsonSerializer;
 
     @GET
     @Consumes({ MediaType.APPLICATION_JSON })
@@ -65,13 +67,12 @@ public class CurrenciesApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Update Currency Configuration", description = "Updates the list of currencies permitted for use.")
-    public CurrencyUpdateResponse updateCurrencies(@Valid CurrencyUpdateRequest request) {
-        final var command = new CurrencyUpdateCommand();
+    public String updateCurrencies(@Valid final CurrencyUpdateRequest request) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updateCurrency()
+                .withJson(toApiJsonSerializer.serialize(request)).build();
 
-        command.setPayload(request);
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<CurrencyUpdateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return toApiJsonSerializer.serialize(result);
     }
 }

fineract-core/src/main/java/org/apache/fineract/organisation/monetary/handler/UpdateCurrencyCommandHandler.java

@@ -0,0 +1,63 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.organisation.monetary.handler;
+
+import java.util.Arrays;
+import java.util.List;
+import java.util.Map;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.organisation.monetary.data.CurrencyUpdateRequest;
+import org.apache.fineract.organisation.monetary.data.CurrencyUpdateResponse;
+import org.apache.fineract.organisation.monetary.service.CurrencyWritePlatformService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "CURRENCY", action = "UPDATE")
+public class UpdateCurrencyCommandHandler implements NewCommandSourceHandler {
+
+    private final CurrencyWritePlatformService writePlatformService;
+
+    @Autowired
+    public UpdateCurrencyCommandHandler(final CurrencyWritePlatformService writePlatformService) {
+        this.writePlatformService = writePlatformService;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final String[] currencyCodes = command.arrayValueOfParameterNamed("currencies");
+        final List<String> currencies = currencyCodes == null ? List.of() : Arrays.asList(currencyCodes);
+
+        final CurrencyUpdateRequest request = CurrencyUpdateRequest.builder().currencies(currencies).build();
+
+        final CurrencyUpdateResponse response = this.writePlatformService.updateAllowedCurrencies(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .with(Map.of("currencies", response.getCurrencies())) //
+                .build();
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/PortfolioProductType.java

@@ -24,7 +24,10 @@ public enum PortfolioProductType {
     SAVING(2, "productType.saving"), //
     CLIENT(5, "productType.client"), //
     PROVISIONING(3, "productType.provisioning"), //
-    SHARES(4, "productType.shares"); //
+    SHARES(4, "productType.shares"), //
+    // Current products map their GLs under their own type: sharing SAVING with savings products let a savings
+    // product and a current product with the same id read each other's GL rows.
+    CURRENT(6, "productType.current"); //
 
     private final Integer value;
     private final String code;
@@ -52,17 +55,25 @@ public enum PortfolioProductType {
             return null;
         }
 
+        // Matched against each constant's own declared value above, not its declaration position --
+        // those two orderings diverge (CLIENT is declared 3rd but its value is 5), so a switch written
+        // by position silently mapped every id past SAVING to the wrong type: 3 (really PROVISIONING)
+        // returned CLIENT, 4 (really SHARES) returned PROVISIONING, 5 (really CLIENT) returned SHARES,
+        // and 6 (CURRENT) fell through to null -- a live NPE the moment a Current-product GL entry
+        // (entity_type_enum=6) reached this on the Journal Entries screen.
         switch (v) {
             case 1:
                 return LOAN;
             case 2:
                 return SAVING;
             case 3:
-                return CLIENT;
-            case 4:
                 return PROVISIONING;
-            case 5:
+            case 4:
                 return SHARES;
+            case 5:
+                return CLIENT;
+            case 6:
+                return CURRENT;
             default:
                 return null;
         }

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/api/PaymentTypeApiResource.java

@@ -31,20 +31,15 @@ import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.MediaType;
 import java.util.List;
-import java.util.function.Supplier;
 import lombok.RequiredArgsConstructor;
-import org.apache.fineract.command.core.CommandPipeline;
+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.core.serialization.DefaultToApiJsonSerializer;
-import org.apache.fineract.portfolio.paymenttype.command.PaymentTypeCreateCommand;
-import org.apache.fineract.portfolio.paymenttype.command.PaymentTypeDeleteCommand;
-import org.apache.fineract.portfolio.paymenttype.command.PaymentTypeUpdateCommand;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateRequest;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateResponse;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeData;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteRequest;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteResponse;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateRequest;
-import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeReadService;
 import org.springframework.stereotype.Component;
 
@@ -55,7 +50,7 @@ import org.springframework.stereotype.Component;
 public class PaymentTypeApiResource {
 
     private final PaymentTypeReadService readPlatformService;
-    private final CommandPipeline commandPipeline;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
     private final DefaultToApiJsonSerializer<PaymentTypeData> jsonSerializer;
 
     @GET
@@ -79,14 +74,13 @@ public class PaymentTypeApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Create a Payment Type", description = "Creates a new Payment type")
-    public PaymentTypeCreateResponse createPaymentType(PaymentTypeCreateRequest request) {
-        final var command = new PaymentTypeCreateCommand();
+    public String createPaymentType(final PaymentTypeCreateRequest request) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().createPaymentType()
+                .withJson(jsonSerializer.serialize(request)).build();
 
-        command.setPayload(request);
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<PaymentTypeCreateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return jsonSerializer.serialize(result);
     }
 
     @PUT
@@ -94,18 +88,16 @@ public class PaymentTypeApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Update a Payment Type", description = "Updates a Payment Type")
-    public PaymentTypeUpdateResponse updatePaymentType(@PathParam("paymentTypeId") final Long paymentTypeId,
-            final PaymentTypeUpdateRequest request) {
+    public String updatePaymentType(@PathParam("paymentTypeId") final Long paymentTypeId, final PaymentTypeUpdateRequest request) {
 
         request.setId(paymentTypeId);
 
-        final var command = new PaymentTypeUpdateCommand();
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updatePaymentType(paymentTypeId)
+                .withJson(jsonSerializer.serialize(request)).build();
 
-        command.setPayload(request);
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<PaymentTypeUpdateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return jsonSerializer.serialize(result);
     }
 
     @DELETE
@@ -113,14 +105,12 @@ public class PaymentTypeApiResource {
     @Consumes({ MediaType.APPLICATION_JSON })
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Delete a Payment Type", description = "Deletes payment type")
-    public PaymentTypeDeleteResponse deleteCode(@PathParam("paymentTypeId") final Long paymentTypeId) {
+    public String deleteCode(@PathParam("paymentTypeId") final Long paymentTypeId) {
 
-        final var command = new PaymentTypeDeleteCommand();
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().deletePaymentType(paymentTypeId).build();
 
-        command.setPayload(PaymentTypeDeleteRequest.builder().id(paymentTypeId).build());
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        final Supplier<PaymentTypeDeleteResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return jsonSerializer.serialize(result);
     }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/handler/PaymentTypeCreateCommandHandler.java

@@ -18,33 +18,50 @@
  */
 package org.apache.fineract.portfolio.paymenttype.handler;
 
-import io.github.resilience4j.retry.annotation.Retry;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateRequest;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeCreateResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeWriteService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class PaymentTypeCreateCommandHandler implements CommandHandler<PaymentTypeCreateRequest, PaymentTypeCreateResponse> {
+@Service
+@CommandType(entity = "PAYMENTTYPE", action = "CREATE")
+public class PaymentTypeCreateCommandHandler implements NewCommandSourceHandler {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeCreate", fallbackMethod = "fallback")
-    @Override
-    @Transactional
-    public PaymentTypeCreateResponse handle(Command<PaymentTypeCreateRequest> command) {
-        return paymentTypeWriteService.createPaymentType(command.getPayload());
+    @Autowired
+    public PaymentTypeCreateCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
+        this.paymentTypeWriteService = paymentTypeWriteService;
     }
 
+    @Transactional
     @Override
-    public PaymentTypeCreateResponse fallback(Command<PaymentTypeCreateRequest> command, Throwable t) {
-        return CommandHandler.super.fallback(command, t);
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final Boolean isSystemDefined = command.booleanObjectValueOfParameterNamed("isSystemDefined");
+
+        final PaymentTypeCreateRequest request = PaymentTypeCreateRequest.builder()
+                .name(command.stringValueOfParameterNamed("name"))
+                .description(command.stringValueOfParameterNamed("description"))
+                .isCashPayment(command.booleanObjectValueOfParameterNamed("isCashPayment"))
+                .position(command.longValueOfParameterNamed("position"))
+                .codeName(command.stringValueOfParameterNamed("codeName"))
+                .isSystemDefined(isSystemDefined != null ? isSystemDefined : Boolean.FALSE)
+                .build();
+
+        final PaymentTypeCreateResponse response = this.paymentTypeWriteService.createPaymentType(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(response.getResourceId()) //
+                .build();
     }
+
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/handler/PaymentTypeDeleteCommandHandler.java

@@ -18,33 +18,41 @@
  */
 package org.apache.fineract.portfolio.paymenttype.handler;
 
-import io.github.resilience4j.retry.annotation.Retry;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteRequest;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeDeleteResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeWriteService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class PaymentTypeDeleteCommandHandler implements CommandHandler<PaymentTypeDeleteRequest, PaymentTypeDeleteResponse> {
+@Service
+@CommandType(entity = "PAYMENTTYPE", action = "DELETE")
+public class PaymentTypeDeleteCommandHandler implements NewCommandSourceHandler {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeDelete", fallbackMethod = "fallback")
-    @Override
-    @Transactional
-    public PaymentTypeDeleteResponse handle(Command<PaymentTypeDeleteRequest> command) {
-        return paymentTypeWriteService.deletePaymentType(command.getPayload());
+    @Autowired
+    public PaymentTypeDeleteCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
+        this.paymentTypeWriteService = paymentTypeWriteService;
     }
 
+    @Transactional
     @Override
-    public PaymentTypeDeleteResponse fallback(Command<PaymentTypeDeleteRequest> command, Throwable t) {
-        return CommandHandler.super.fallback(command, t);
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final PaymentTypeDeleteRequest request = PaymentTypeDeleteRequest.builder().id(command.entityId()).build();
+
+        final PaymentTypeDeleteResponse response = this.paymentTypeWriteService.deletePaymentType(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(response.getResourceId()) //
+                .build();
     }
+
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/paymenttype/handler/PaymentTypeUpdateCommandHandler.java

@@ -18,33 +18,51 @@
  */
 package org.apache.fineract.portfolio.paymenttype.handler;
 
-import io.github.resilience4j.retry.annotation.Retry;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateRequest;
 import org.apache.fineract.portfolio.paymenttype.data.PaymentTypeUpdateResponse;
 import org.apache.fineract.portfolio.paymenttype.service.PaymentTypeWriteService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class PaymentTypeUpdateCommandHandler implements CommandHandler<PaymentTypeUpdateRequest, PaymentTypeUpdateResponse> {
+@Service
+@CommandType(entity = "PAYMENTTYPE", action = "UPDATE")
+public class PaymentTypeUpdateCommandHandler implements NewCommandSourceHandler {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeUpdate", fallbackMethod = "fallback")
-    @Override
-    @Transactional
-    public PaymentTypeUpdateResponse handle(Command<PaymentTypeUpdateRequest> command) {
-        return paymentTypeWriteService.updatePaymentType(command.getPayload());
+    @Autowired
+    public PaymentTypeUpdateCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
+        this.paymentTypeWriteService = paymentTypeWriteService;
     }
 
+    @Transactional
     @Override
-    public PaymentTypeUpdateResponse fallback(Command<PaymentTypeUpdateRequest> command, Throwable t) {
-        return CommandHandler.super.fallback(command, t);
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final Boolean isSystemDefined = command.booleanObjectValueOfParameterNamed("isSystemDefined");
+
+        final PaymentTypeUpdateRequest request = PaymentTypeUpdateRequest.builder()
+                .id(command.entityId())
+                .name(command.stringValueOfParameterNamed("name"))
+                .description(command.stringValueOfParameterNamed("description"))
+                .isCashPayment(command.booleanObjectValueOfParameterNamed("isCashPayment"))
+                .position(command.longValueOfParameterNamed("position"))
+                .codeName(command.stringValueOfParameterNamed("codeName"))
+                .isSystemDefined(isSystemDefined != null ? isSystemDefined : Boolean.FALSE)
+                .build();
+
+        final PaymentTypeUpdateResponse response = this.paymentTypeWriteService.updatePaymentType(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(response.getResourceId()) //
+                .build();
     }
+
 }

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

@@ -123,6 +123,7 @@ public final class DepositsApiConstants {
     public static final String isSeniorCitizenParamName = "isSeniorCitizen";
     public static final String seniorCitizenInterestRateParamName = "seniorCitizenInterestRate";
     public static final String tenureInMonthsParamName = "tenureInMonths";
+    public static final String tenureInDaysParamName = "tenureInDays";
     public static final String interestCompoundingPeriodInMonthsParamName = "interestCompoundingPeriodInMonths";
 
     // Preclosure parameters
@@ -142,6 +143,9 @@ public final class DepositsApiConstants {
     public static final String inMultiplesOfDepositTermParamName = "inMultiplesOfDepositTerm";
     public static final String inMultiplesOfDepositTermTypeIdParamName = "inMultiplesOfDepositTermTypeId";
     public static final String inMultiplesOfDepositTermType = "inMultiplesOfDepositTermType";
+    // Days after maturity a depositor still has to walk in and renew at the original maturity date --
+    // null/0 means this product keeps the instant, same-night auto-renewal every FD product had before.
+    public static final String renewalGracePeriodDaysParamName = "renewalGracePeriodDays";
 
     public static final String depositAmountParamName = "depositAmount";
     public static final String depositMinAmountParamName = "minDepositAmount";
@@ -208,7 +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";
@@ -237,7 +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));
@@ -247,11 +262,13 @@ public final class DepositsApiConstants {
 
     private static final Set<String> DEPOSIT_TERM_REQUEST_DATA_PARAMETERS = new HashSet<>(Arrays.asList(minDepositTermParamName,
             maxDepositTermParamName, minDepositTermTypeIdParamName, maxDepositTermTypeIdParamName, inMultiplesOfDepositTermParamName,
-            inMultiplesOfDepositTermTypeIdParamName, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName));
+            inMultiplesOfDepositTermTypeIdParamName, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName,
+            renewalGracePeriodDaysParamName));
 
     private static final Set<String> DEPOSIT_TERM_RESPONSE_DATA_PARAMETERS = new HashSet<>(Arrays.asList(minDepositTermParamName,
             maxDepositTermParamName, minDepositTermType, maxDepositTermType, inMultiplesOfDepositTermParamName,
-            inMultiplesOfDepositTermType, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName));
+            inMultiplesOfDepositTermType, depositAmountParamName, depositMinAmountParamName, depositMaxAmountParamName,
+            renewalGracePeriodDaysParamName));
 
     private static final Set<String> RECURRING_DETAILS_REQUEST_DATA_PARAMETERS = new HashSet<>(
             Arrays.asList(mandatoryRecommendedDepositAmountParamName, isMandatoryDepositParamName, allowWithdrawalParamName,
@@ -373,6 +390,8 @@ public final class DepositsApiConstants {
         fixedDepositRequestData.add("paymentChannelToFundSourceMappings");
         fixedDepositRequestData.add("feeToIncomeAccountMappings");
         fixedDepositRequestData.add("penaltyToIncomeAccountMappings");
+        fixedDepositRequestData.add(SavingsApiConstants.otherGlMappingsParamName);
+        fixedDepositRequestData.add("otherGlMappingsMap");
         return fixedDepositRequestData;
     }
 
@@ -413,6 +432,10 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add("prematureWithdrawalOption");
         recurringDepositRequestData.add("tenureFlexibility");
         recurringDepositRequestData.add("lienMarked");
+        recurringDepositRequestData.add("lienPercentage");
+        recurringDepositRequestData.add("missedInstallmentGraceDays");
+        recurringDepositRequestData.add("missedInstallmentPenaltyType");
+        recurringDepositRequestData.add("missedInstallmentPenaltyAmount");
         recurringDepositRequestData.add("withdrawalFeeForTransfers");
         recurringDepositRequestData.add("enableLockinPeriod");
         recurringDepositRequestData.add("maturityInstructions");
@@ -472,6 +495,10 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add("prematureWithdrawalOption");
         recurringDepositRequestData.add("tenureFlexibility");
         recurringDepositRequestData.add("lienMarked");
+        recurringDepositRequestData.add("lienPercentage");
+        recurringDepositRequestData.add("missedInstallmentGraceDays");
+        recurringDepositRequestData.add("missedInstallmentPenaltyType");
+        recurringDepositRequestData.add("missedInstallmentPenaltyAmount");
         recurringDepositRequestData.add("maturityInstructions");
         recurringDepositRequestData.add("creditMaturityProceeds");
         recurringDepositRequestData.add("penaltyGracePeriodMissedInstallments");
@@ -484,6 +511,8 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add("paymentChannelToFundSourceMappings");
         recurringDepositRequestData.add("feeToIncomeAccountMappings");
         recurringDepositRequestData.add("penaltyToIncomeAccountMappings");
+        recurringDepositRequestData.add(SavingsApiConstants.otherGlMappingsParamName);
+        recurringDepositRequestData.add("otherGlMappingsMap");
         return recurringDepositRequestData;
     }
 
@@ -511,6 +540,7 @@ public final class DepositsApiConstants {
         fixedDepositInterestCalculationData.add(principalAmountParamName);
         fixedDepositInterestCalculationData.add(annualInterestRateParamName);
         fixedDepositInterestCalculationData.add(tenureInMonthsParamName);
+        fixedDepositInterestCalculationData.add(tenureInDaysParamName);
         fixedDepositInterestCalculationData.add(interestPostingPeriodInMonthsParamName);
         fixedDepositInterestCalculationData.add(interestCompoundingPeriodInMonthsParamName);
         // Exact calendar-based calculation params
@@ -626,6 +656,8 @@ public final class DepositsApiConstants {
         recurringDepositRequestData.add(SavingsApiConstants.balanceSwapOptionParamName);
         recurringDepositRequestData.add(SavingsApiConstants.msmeParamName);
         recurringDepositRequestData.add(SavingsApiConstants.autoDebitFacilityParamName);
+        // Lien Marked: how much of this deposit may be given as loan, capped by its product's percentage.
+        recurringDepositRequestData.add("lienPercentage");
         recurringDepositRequestData.add(isSeniorCitizenParamName);
         recurringDepositRequestData.add(seniorCitizenInterestRateParamName);
         return recurringDepositRequestData;

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

@@ -0,0 +1,100 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.savings;
+
+import java.util.Locale;
+
+/**
+ * The deposit scheme a fixed deposit product is sold under, held as {@code m_savings_product.fd_type}.
+ *
+ * <p>
+ * The three schemes differ in where a posting of interest ends up, which is what the interest posting
+ * report has to show and the posting itself has to honour:
+ *
+ * <ul>
+ * <li>{@link #SINGLE} — short deposits, priced from a slab table in days. Interest stays in the
+ * deposit and is paid with the principal at maturity.</li>
+ * <li>{@link #DOUBLE} — deposits of a year or more, priced from a slab table in years. Interest is
+ * compounded back into the deposit, so the maturity value is principal plus interest.</li>
+ * <li>{@link #SPECIAL} — the monthly income scheme. Interest is posted monthly and swept out to the
+ * customer's linked savings account, which is why a special deposit cannot be opened without one;
+ * the deposit itself matures at its principal, the interest having already been paid away.</li>
+ * </ul>
+ *
+ * <p>
+ * The database column is a string rather than an enum ordinal, so the names here are the stored
+ * values and must not be renamed. {@link #fromString(String)} is lenient about case and blanks
+ * because the column carries a default of SINGLE and older products predate the column entirely.
+ */
+public enum FixedDepositType {
+
+    /** Interest is held in the deposit and paid at maturity. The default for a product that names none. */
+    SINGLE,
+    /** Interest is compounded into the deposit; the maturity value includes it. */
+    DOUBLE,
+    /** Interest is posted monthly and transferred to the linked savings account. */
+    SPECIAL;
+
+    /**
+     * The scheme named by a stored {@code fd_type}, defaulting to {@link #SINGLE}.
+     *
+     * <p>
+     * A null, blank or unrecognised value reads as SINGLE: that is the column's own default, and a
+     * product carrying something else is a misconfiguration that must not stop its customers' interest
+     * from being reported.
+     */
+    public static FixedDepositType fromString(final String fdType) {
+        if (fdType == null || fdType.isBlank()) {
+            return SINGLE;
+        }
+        for (final FixedDepositType candidate : values()) {
+            if (candidate.name().equalsIgnoreCase(fdType.trim())) {
+                return candidate;
+            }
+        }
+        return SINGLE;
+    }
+
+    public static boolean isValid(final String fdType) {
+        if (fdType == null || fdType.isBlank()) {
+            return false;
+        }
+        for (final FixedDepositType candidate : values()) {
+            if (candidate.name().equalsIgnoreCase(fdType.trim())) {
+                return true;
+            }
+        }
+        return false;
+    }
+
+    /** Whether interest leaves the deposit for the linked savings account each time it is posted. */
+    public boolean isPaidOutMonthly() {
+        return this == SPECIAL;
+    }
+
+    /** Whether a posting of interest adds to the deposit's own balance. */
+    public boolean isRetainedInDeposit() {
+        return this != SPECIAL;
+    }
+
+    /** What a customer sees: "FD Special", "FD Double", "FD Single". */
+    public String displayName() {
+        return "FD " + name().charAt(0) + name().substring(1).toLowerCase(Locale.ENGLISH);
+    }
+}

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

@@ -286,6 +286,15 @@ public class SavingsApiConstants {
     public static final String avgBalanceCalcPeriodParamName = "avgBalanceCalcPeriod";
     public static final String validForPeriodParamName = "validForPeriod";
     public static final String odAccountClosedZeroBalanceInDayClosingParamName = "odAccountClosedZeroBalanceInDayClosing";
+    // Overdraft scheme rules a sanction on an account is held to: overdraftLimit is the ceiling (an
+    // amount), odMinLimit the floor, odSecurityType whether the limit may be clean, secured, or either.
+    public static final String odMinLimitParamName = "odMinLimit";
+    public static final String odSecurityTypeParamName = "odSecurityType";
+    // Excess drawing: whether an account may go past its sanctioned limit, by how much (a percentage of the
+    // limit), and the penal charge (% p.a.) levied on the excess alone for the days it stays excess.
+    public static final String odExcessAllowedParamName = "odExcessAllowed";
+    public static final String odExcessLimitPercentParamName = "odExcessLimitPercent";
+    public static final String odPenalRateParamName = "odPenalRate";
 
     // Status of Account fields
     public static final String accountStatusParamName = "accountStatus";

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

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

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

@@ -152,6 +152,11 @@ public final class SavingsProductData implements Serializable {
     @Getter @Setter private String avgBalanceCalcPeriod;
     @Getter @Setter private String validForPeriod;
     @Getter @Setter private Boolean odAccountClosedZeroBalanceInDayClosing;
+    @Getter @Setter private BigDecimal odMinLimit;
+    @Getter @Setter private String odSecurityType;
+    @Getter @Setter private Boolean odExcessAllowed;
+    @Getter @Setter private BigDecimal odExcessLimitPercent;
+    @Getter @Setter private BigDecimal odPenalRate;
 
     // Complex objects wrapped as Maps/Lists so Jackson converts them into the exact JSON your UI expects
     @Getter @Setter private Map<String, Object> accountFacilityConfig;
@@ -382,6 +387,11 @@ public final class SavingsProductData implements Serializable {
         target.setAvgBalanceCalcPeriod(source.getAvgBalanceCalcPeriod());
         target.setValidForPeriod(source.getValidForPeriod());
         target.setOdAccountClosedZeroBalanceInDayClosing(source.getOdAccountClosedZeroBalanceInDayClosing());
+        target.setOdMinLimit(source.getOdMinLimit());
+        target.setOdSecurityType(source.getOdSecurityType());
+        target.setOdExcessAllowed(source.getOdExcessAllowed());
+        target.setOdExcessLimitPercent(source.getOdExcessLimitPercent());
+        target.setOdPenalRate(source.getOdPenalRate());
         target.setOtherGlMappingsMap(source.getOtherGlMappingsMap());
         target.setAccountFacilityConfig(source.getAccountFacilityConfig());
         target.setAccountFacilityLimits(source.getAccountFacilityLimits());

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

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

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

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

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

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

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

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

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

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

fineract-core/src/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-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/domain/CurrentAccount.java

@@ -76,7 +76,8 @@ public class CurrentAccount extends AbstractAuditableCustom {
     @Column(name = "status_enum", nullable = false)
     private Integer statusEnum = 100;
 
-    // SubStatus: 0=None, 100=Inactive, 200=Dormant, 300=Block, 400=BlockDebit, 500=BlockCredit
+    // SubStatus, same codes as savings: 0=None, 100=Inactive, 200=Dormant, 300=Escheat, 400=Block, 500=BlockCredit,
+    // 600=BlockDebit
     @Column(name = "sub_status_enum", nullable = false)
     private Integer subStatusEnum = 0;
 

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/domain/CurrentAccountRepository.java

@@ -38,6 +38,12 @@ public interface CurrentAccountRepository extends JpaRepository<CurrentAccount,
     @Query("SELECT ca FROM CurrentAccount ca WHERE ca.client.id = :clientId AND ca.statusEnum != 600")
     List<CurrentAccount> findActiveByClientId(@Param("clientId") Long clientId);
 
-    @Query("SELECT COUNT(ca) FROM CurrentAccount ca WHERE ca.client.id = :clientId AND ca.productId = :productId AND ca.statusEnum != 600")
+    // statusEnum != 600 (CLOSED) let a client re-apply for the same product only once every prior
+    // account on it was closed -- but 400 (WITHDRAWN) and 500 (REJECTED), see CurrentAccount.withdraw()
+    // /.reject(), are equally terminal and were still being counted as "still has one", blocking a
+    // fresh application the client should have been free to make. 100/200/300 (submitted, approved,
+    // active) are the only statuses a second application on the same product should actually collide
+    // with.
+    @Query("SELECT COUNT(ca) FROM CurrentAccount ca WHERE ca.client.id = :clientId AND ca.productId = :productId AND ca.statusEnum IN (100, 200, 300)")
     long countActiveByClientAndProduct(@Param("clientId") Long clientId, @Param("productId") Long productId);
 }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/domain/CurrentAccountTransaction.java

@@ -46,7 +46,7 @@ public class CurrentAccountTransaction extends AbstractPersistableCustom<Long> {
     @JoinColumn(name = "office_id", nullable = false)
     private Office office;
 
-    // 1=Deposit, 2=Withdrawal, 3=InterestPosting, 4=Charge, 5=ChargeWaiver, 6=Transfer, 7=Reversal
+    // 1=Deposit, 2=Withdrawal, 3=InterestPosting, 4=Charge, 5=ChargeWaiver, 6=Transfer, 7=Reversal, 19=Escheat
     @Column(name = "transaction_type_enum", nullable = false)
     private Integer transactionTypeEnum;
 
@@ -176,6 +176,20 @@ public class CurrentAccountTransaction extends AbstractPersistableCustom<Long> {
         return txn;
     }
 
+    // transactionTypeEnum = 19 (Escheat) -- the whole balance moved to the escheat liability, same code as savings
+    public static CurrentAccountTransaction escheat(CurrentAccount account, Office office,
+            BigDecimal amount, LocalDate transactionDate) {
+        CurrentAccountTransaction txn = new CurrentAccountTransaction();
+        txn.currentAccount = account;
+        txn.office = office;
+        txn.transactionTypeEnum = 19;
+        txn.amount = amount;
+        txn.transactionDate = transactionDate;
+        txn.remarks = "Escheat: dormant for the product's escheat period, balance moved to the escheat liability";
+        txn.submittedOnDate = transactionDate;
+        return txn;
+    }
+
     // transactionTypeEnum = 7 (Reversal / Undo)
     public static CurrentAccountTransaction reversal(CurrentAccount account, Office office,
             BigDecimal amount, LocalDate transactionDate, Long originalTransactionId) {

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentaccount/service/CurrentAccountTransactionWritePlatformService.java

@@ -36,4 +36,10 @@ public interface CurrentAccountTransactionWritePlatformService {
     CommandProcessingResult reverseTransaction(Long accountId, Long transactionId, boolean isReversal, JsonCommand command);
 
     CommandProcessingResult adjustTransaction(Long accountId, Long transactionId, JsonCommand command);
+
+    /**
+     * Escheats a dormant current account: moves its whole balance to the escheat liability and closes it. Run by the
+     * nightly dormancy job; returns false, leaving the account untouched, where it cannot safely be done.
+     */
+    boolean escheat(Long accountId);
 }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/data/CurrentProductDataValidator.java

@@ -44,7 +44,13 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.minRequi
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.nameParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateOverdraftParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.nominalAnnualInterestRateParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessAllowedParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessLimitPercentParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odMinLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odPenalRateParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odSecurityTypeParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.overdraftLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.validForPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.shortNameParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.taxGroupIdParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.withHoldTaxParamName;
@@ -136,7 +142,17 @@ public class CurrentProductDataValidator {
             SavingsApiConstants.balanceSwapOptionParamName, SavingsApiConstants.msmeParamName,
             SavingsApiConstants.autoDebitFacilityParamName, SavingsApiConstants.avgBalanceCalcPeriodParamName,
             SavingsApiConstants.validForPeriodParamName, SavingsApiConstants.odAccountClosedZeroBalanceInDayClosingParamName,
-            SavingsApiConstants.glAccountIdParamName));
+            odMinLimitParamName, odSecurityTypeParamName, odExcessAllowedParamName, odExcessLimitPercentParamName,
+            odPenalRateParamName, SavingsApiConstants.glAccountIdParamName));
+
+    /** How long an OD sanction on this scheme runs before it has to be renewed. */
+    private static final List<String> OD_VALIDITY_PERIODS = List.of("3M", "6M", "1Y", "2Y", "3Y");
+    /** CLEAN: no security needed; SECURED: backed by FD lien, property etc.; BOTH: decided per sanction. */
+    private static final List<String> OD_SECURITY_TYPES = List.of("CLEAN", "SECURED", "BOTH");
+    /** A sanity ceiling on the OD rate, catching a limit keyed into the rate field. */
+    private static final BigDecimal MAX_OVERDRAFT_RATE = new BigDecimal("50");
+    /** Excess drawing is a small tolerance over the limit, never a second limit. */
+    private static final BigDecimal MAX_EXCESS_PERCENT = new BigDecimal("25");
 
     public void validateForCreate(final String json) {
         if (StringUtils.isBlank(json)) {
@@ -260,10 +276,10 @@ public class CurrentProductDataValidator {
         if (AccountingValidations.isCashBasedAccounting(accountingRuleType)
                 || AccountingValidations.isAccrualPeriodicBasedAccounting(accountingRuleType)) {
             savingsProductAccountingDataValidator.evaluateProductAccountingData(accountingRuleType, isDormancyActive, element,
-                    baseDataValidator, DepositAccountType.SAVINGS_DEPOSIT, true);
+                    baseDataValidator, DepositAccountType.CURRENT_DEPOSIT, true);
         }
 
-        validateOverdraftParams(baseDataValidator, element);
+        validateOverdraftParams(baseDataValidator, element, null);
 
         if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
             final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(minBalanceForInterestCalculationParamName, element);
@@ -358,7 +374,7 @@ public class CurrentProductDataValidator {
         if (AccountingValidations.isCashBasedAccounting(accountingRuleType)
                 || AccountingValidations.isAccrualPeriodicBasedAccounting(accountingRuleType)) {
             savingsProductAccountingDataValidator.evaluateProductAccountingData(accountingRuleType, isDormancyActive, element,
-                    baseDataValidator, DepositAccountType.SAVINGS_DEPOSIT, false);
+                    baseDataValidator, DepositAccountType.CURRENT_DEPOSIT, false);
         }
 
         if (null != isDormancyActive && isDormancyActive) {
@@ -380,7 +396,7 @@ public class CurrentProductDataValidator {
             }
         }
 
-        validateOverdraftParams(baseDataValidator, element);
+        validateOverdraftParams(baseDataValidator, element, product);
 
         if (this.fromApiJsonHelper.parameterExists(minBalanceForInterestCalculationParamName, element)) {
             final BigDecimal minBalanceForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(minBalanceForInterestCalculationParamName, element);
@@ -398,23 +414,103 @@ public class CurrentProductDataValidator {
         }
     }
 
-    private void validateOverdraftParams(final DataValidatorBuilder baseDataValidator, final JsonElement element) {
+    /**
+     * The overdraft section of a current product is the scheme every account's OD sanction is held to, so when OD is
+     * allowed it has to be complete: a ceiling (overdraftLimit, an amount, not a percentage), an optional floor, a rate,
+     * a sanction validity and whether the limit may be clean or must be secured. Interest on an OD is applied monthly,
+     * as RBI requires for advances, or at most quarterly.
+     *
+     * On update, product is the stored product and fills in any value the request leaves out, so a partial edit is
+     * checked against the scheme it will produce; on create it is null.
+     */
+    private void validateOverdraftParams(final DataValidatorBuilder baseDataValidator, final JsonElement element,
+            final CurrentProduct product) {
         if (this.fromApiJsonHelper.parameterExists(allowOverdraftParamName, element)) {
             final Boolean allowOverdraft = this.fromApiJsonHelper.extractBooleanNamed(allowOverdraftParamName, element);
             baseDataValidator.reset().parameter(allowOverdraftParamName).value(allowOverdraft).ignoreIfNull().validateForBooleanValue();
         }
-        if (this.fromApiJsonHelper.parameterExists(overdraftLimitParamName, element)) {
-            final BigDecimal overdraftLimit = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(overdraftLimitParamName, element);
-            baseDataValidator.reset().parameter(overdraftLimitParamName).value(overdraftLimit).ignoreIfNull().zeroOrPositiveAmount();
+        final boolean allowOverdraft = this.fromApiJsonHelper.parameterExists(allowOverdraftParamName, element)
+                ? BooleanUtils.isTrue(this.fromApiJsonHelper.extractBooleanNamed(allowOverdraftParamName, element))
+                : product != null && product.isAllowOverdraft();
+
+        final BigDecimal maxLimit = bigDecimalOrStored(element, overdraftLimitParamName,
+                product == null ? null : product.getOverdraftLimit());
+        final BigDecimal minLimit = bigDecimalOrStored(element, odMinLimitParamName, product == null ? null : product.getOdMinLimit());
+        final BigDecimal rate = bigDecimalOrStored(element, nominalAnnualInterestRateOverdraftParamName,
+                product == null ? null : product.getNominalAnnualInterestRateOverdraft());
+        final BigDecimal minOdForInterest = bigDecimalOrStored(element, minOverdraftForInterestCalculationParamName,
+                product == null ? null : product.getMinOverdraftForInterestCalculation());
+
+        if (!allowOverdraft) {
+            baseDataValidator.reset().parameter(overdraftLimitParamName).value(maxLimit).ignoreIfNull().zeroOrPositiveAmount();
+            baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(rate).ignoreIfNull()
+                    .zeroOrPositiveAmount();
+            baseDataValidator.reset().parameter(minOverdraftForInterestCalculationParamName).value(minOdForInterest).ignoreIfNull()
+                    .zeroOrPositiveAmount();
+            return;
         }
-        if (this.fromApiJsonHelper.parameterExists(nominalAnnualInterestRateOverdraftParamName, element)) {
-            final BigDecimal nominalAnnualInterestRateOverdraft = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(nominalAnnualInterestRateOverdraftParamName, element);
-            baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(nominalAnnualInterestRateOverdraft).ignoreIfNull().zeroOrPositiveAmount();
+
+        baseDataValidator.reset().parameter(overdraftLimitParamName).value(maxLimit).notNull().positiveAmount();
+        baseDataValidator.reset().parameter(odMinLimitParamName).value(minLimit).ignoreIfNull().zeroOrPositiveAmount();
+        if (minLimit != null && maxLimit != null && minLimit.compareTo(maxLimit) > 0) {
+            baseDataValidator.reset().parameter(odMinLimitParamName).value(minLimit)
+                    .failWithCodeAndMessage("cannot.exceed.maximum.overdraft.limit", "Minimum OD limit cannot exceed the maximum OD limit.");
         }
-        if (this.fromApiJsonHelper.parameterExists(minOverdraftForInterestCalculationParamName, element)) {
-            final BigDecimal minOverdraftForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(minOverdraftForInterestCalculationParamName, element);
-            baseDataValidator.reset().parameter(minOverdraftForInterestCalculationParamName).value(minOverdraftForInterestCalculation).ignoreIfNull().zeroOrPositiveAmount();
+        baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(rate).notNull().positiveAmount()
+                .notGreaterThanMax(MAX_OVERDRAFT_RATE);
+        baseDataValidator.reset().parameter(minOverdraftForInterestCalculationParamName).value(minOdForInterest).ignoreIfNull()
+                .zeroOrPositiveAmount();
+
+        final String validity = stringOrStored(element, validForPeriodParamName, product == null ? null : product.getValidForPeriod());
+        baseDataValidator.reset().parameter(validForPeriodParamName).value(validity).notBlank()
+                .isOneOfTheseStringValues(OD_VALIDITY_PERIODS);
+
+        final String securityType = stringOrStored(element, odSecurityTypeParamName,
+                product == null ? null : product.getOdSecurityType());
+        baseDataValidator.reset().parameter(odSecurityTypeParamName).value(securityType).notBlank()
+                .isOneOfTheseStringValues(OD_SECURITY_TYPES);
+
+        // Excess drawing past the sanctioned limit. Off means a withdrawal beyond the limit is refused. On, the
+        // excess is capped at a percentage of the limit and carries a penal charge on the excess alone -- a separate
+        // charge, as RBI's 2023 penal-charges directions require, not a higher rate on the whole balance.
+        final boolean excessAllowed = this.fromApiJsonHelper.parameterExists(odExcessAllowedParamName, element)
+                ? BooleanUtils.isTrue(this.fromApiJsonHelper.extractBooleanNamed(odExcessAllowedParamName, element))
+                : product != null && product.isOdExcessAllowed();
+        if (excessAllowed) {
+            final BigDecimal excessPercent = bigDecimalOrStored(element, odExcessLimitPercentParamName,
+                    product == null ? null : product.getOdExcessLimitPercent());
+            baseDataValidator.reset().parameter(odExcessLimitPercentParamName).value(excessPercent).notNull().positiveAmount()
+                    .notGreaterThanMax(MAX_EXCESS_PERCENT);
+            final BigDecimal penalRate = bigDecimalOrStored(element, odPenalRateParamName,
+                    product == null ? null : product.getOdPenalRate());
+            baseDataValidator.reset().parameter(odPenalRateParamName).value(penalRate).notNull().positiveAmount()
+                    .notGreaterThanMax(MAX_OVERDRAFT_RATE);
         }
+
+        final Integer postingPeriod = this.fromApiJsonHelper.parameterExists(interestPostingPeriodTypeParamName, element)
+                ? this.fromApiJsonHelper.extractIntegerSansLocaleNamed(interestPostingPeriodTypeParamName, element)
+                : product == null ? null : product.getInterestPostingPeriodType();
+        baseDataValidator.reset().parameter(interestPostingPeriodTypeParamName).value(postingPeriod).ignoreIfNull()
+                .isOneOfTheseValues(SavingsPostingInterestPeriodType.MONTHLY.getValue(),
+                        SavingsPostingInterestPeriodType.QUATERLY.getValue());
+
+        final Integer daysInYear = this.fromApiJsonHelper.parameterExists(interestCalculationDaysInYearTypeParamName, element)
+                ? this.fromApiJsonHelper.extractIntegerSansLocaleNamed(interestCalculationDaysInYearTypeParamName, element)
+                : product == null ? null : product.getInterestCalculationDaysInYearType();
+        baseDataValidator.reset().parameter(interestCalculationDaysInYearTypeParamName).value(daysInYear).ignoreIfNull()
+                .isOneOfTheseValues(SavingsInterestCalculationDaysInYearType.DAYS_360.getValue(),
+                        SavingsInterestCalculationDaysInYearType.DAYS_365.getValue());
+    }
+
+    private BigDecimal bigDecimalOrStored(final JsonElement element, final String paramName, final BigDecimal stored) {
+        return this.fromApiJsonHelper.parameterExists(paramName, element)
+                ? this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(paramName, element)
+                : stored;
+    }
+
+    private String stringOrStored(final JsonElement element, final String paramName, final String stored) {
+        return this.fromApiJsonHelper.parameterExists(paramName, element) ? this.fromApiJsonHelper.extractStringNamed(paramName, element)
+                : stored;
     }
 
     private void validateLienParams(final DataValidatorBuilder baseDataValidator, final JsonElement element) {
@@ -430,7 +526,7 @@ public class CurrentProductDataValidator {
                 && BooleanUtils.isTrue(this.fromApiJsonHelper.extractBooleanNamed(allowOverdraftParamName, element))) {
             final BigDecimal maxAllowedLienLimit = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(maxAllowedLienLimitParamName, element);
             final BigDecimal overdraftLimit = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(overdraftLimitParamName, element);
-            if (overdraftLimit.compareTo(maxAllowedLienLimit) > 0) {
+            if (overdraftLimit != null && maxAllowedLienLimit != null && overdraftLimit.compareTo(maxAllowedLienLimit) > 0) {
                 baseDataValidator.reset().failWithCodeNoParameterAddedToErrorCode("Overdraft.limit.can.not.be.greater.than.lien.limit");
             }
         }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/domain/CurrentProduct.java

@@ -68,6 +68,11 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.autoDebi
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.avgBalanceCalcPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.validForPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odAccountClosedZeroBalanceInDayClosingParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odMinLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odSecurityTypeParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessAllowedParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessLimitPercentParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odPenalRateParamName;
 
 import com.google.gson.JsonArray;
 import jakarta.persistence.CascadeType;
@@ -290,6 +295,25 @@ public class CurrentProduct extends AbstractPersistableCustom<Long> {
     @Column(name = "od_account_closed_zero_balance_in_day_closing")
     private boolean odAccountClosedZeroBalanceInDayClosing = false;
 
+    // The smallest limit an account on this scheme may be sanctioned; overdraftLimit is the largest.
+    @Column(name = "od_min_limit", scale = 6, precision = 19)
+    private BigDecimal odMinLimit;
+
+    // CLEAN, SECURED or BOTH: whether a sanction must be backed by security (FD lien, property...).
+    @Column(name = "od_security_type", length = 20)
+    private String odSecurityType;
+
+    // Excess drawing past the sanctioned limit: off means it is blocked. When on, odExcessLimitPercent caps the excess
+    // as a percentage of the limit and odPenalRate (% p.a.) is charged on the excess alone.
+    @Column(name = "od_excess_allowed")
+    private boolean odExcessAllowed = false;
+
+    @Column(name = "od_excess_limit_percent", scale = 6, precision = 19)
+    private BigDecimal odExcessLimitPercent;
+
+    @Column(name = "od_penal_rate", scale = 6, precision = 19)
+    private BigDecimal odPenalRate;
+
     @OneToOne(cascade = CascadeType.ALL, mappedBy = "currentProduct", orphanRemoval = true)
     private CurrentProductFacilityConfig facilityConfig;
 
@@ -804,11 +828,45 @@ public class CurrentProduct extends AbstractPersistableCustom<Long> {
             actualChanges.put(odAccountClosedZeroBalanceInDayClosingParamName, newValue);
             this.odAccountClosedZeroBalanceInDayClosing = newValue;
         }
+        if (command.isChangeInBigDecimalParameterNamedDefaultingZeroToNull(odMinLimitParamName, this.odMinLimit)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero(odMinLimitParamName);
+            actualChanges.put(odMinLimitParamName, newValue);
+            this.odMinLimit = newValue;
+        }
+        if (command.isChangeInStringParameterNamed(odSecurityTypeParamName, this.odSecurityType)) {
+            final String newValue = command.stringValueOfParameterNamed(odSecurityTypeParamName);
+            actualChanges.put(odSecurityTypeParamName, newValue);
+            this.odSecurityType = newValue;
+        }
+        if (command.isChangeInBooleanParameterNamed(odExcessAllowedParamName, this.odExcessAllowed)) {
+            final boolean newValue = command.booleanPrimitiveValueOfParameterNamed(odExcessAllowedParamName);
+            actualChanges.put(odExcessAllowedParamName, newValue);
+            this.odExcessAllowed = newValue;
+        }
+        if (command.isChangeInBigDecimalParameterNamedDefaultingZeroToNull(odExcessLimitPercentParamName, this.odExcessLimitPercent)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero(odExcessLimitPercentParamName);
+            actualChanges.put(odExcessLimitPercentParamName, newValue);
+            this.odExcessLimitPercent = newValue;
+        }
+        if (command.isChangeInBigDecimalParameterNamedDefaultingZeroToNull(odPenalRateParamName, this.odPenalRate)) {
+            final BigDecimal newValue = command.bigDecimalValueOfParameterNamedDefaultToNullIfZero(odPenalRateParamName);
+            actualChanges.put(odPenalRateParamName, newValue);
+            this.odPenalRate = newValue;
+        }
+        if (!this.odExcessAllowed) {
+            this.odExcessLimitPercent = null;
+            this.odPenalRate = null;
+        }
         // Clear OD-specific fields when overdraft is disabled
         if (!this.allowOverdraft) {
             this.avgBalanceCalcPeriod = null;
             this.validForPeriod = null;
             this.odAccountClosedZeroBalanceInDayClosing = false;
+            this.odMinLimit = null;
+            this.odSecurityType = null;
+            this.odExcessAllowed = false;
+            this.odExcessLimitPercent = null;
+            this.odPenalRate = null;
         }
 
         return actualChanges;
@@ -890,4 +948,14 @@ public class CurrentProduct extends AbstractPersistableCustom<Long> {
     public void setValidForPeriod(String validForPeriod) { this.validForPeriod = validForPeriod; }
     public boolean isOdAccountClosedZeroBalanceInDayClosing() { return odAccountClosedZeroBalanceInDayClosing; }
     public void setOdAccountClosedZeroBalanceInDayClosing(boolean val) { this.odAccountClosedZeroBalanceInDayClosing = val; }
+    public BigDecimal getOdMinLimit() { return odMinLimit; }
+    public void setOdMinLimit(BigDecimal odMinLimit) { this.odMinLimit = odMinLimit; }
+    public String getOdSecurityType() { return odSecurityType; }
+    public void setOdSecurityType(String odSecurityType) { this.odSecurityType = odSecurityType; }
+    public boolean isOdExcessAllowed() { return odExcessAllowed; }
+    public void setOdExcessAllowed(boolean odExcessAllowed) { this.odExcessAllowed = odExcessAllowed; }
+    public BigDecimal getOdExcessLimitPercent() { return odExcessLimitPercent; }
+    public void setOdExcessLimitPercent(BigDecimal odExcessLimitPercent) { this.odExcessLimitPercent = odExcessLimitPercent; }
+    public BigDecimal getOdPenalRate() { return odPenalRate; }
+    public void setOdPenalRate(BigDecimal odPenalRate) { this.odPenalRate = odPenalRate; }
 }

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/domain/CurrentProductAssembler.java

@@ -43,6 +43,11 @@ import static org.apache.fineract.portfolio.savings.SavingsApiConstants.autoDebi
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.avgBalanceCalcPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.validForPeriodParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odAccountClosedZeroBalanceInDayClosingParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odMinLimitParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odSecurityTypeParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessAllowedParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odExcessLimitPercentParamName;
+import static org.apache.fineract.portfolio.savings.SavingsApiConstants.odPenalRateParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.endDateParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.enforceMinRequiredBalanceParamName;
 import static org.apache.fineract.portfolio.savings.SavingsApiConstants.frequencyFixDayParamName;
@@ -314,6 +319,23 @@ public class CurrentProductAssembler {
             if (command.parameterExists(odAccountClosedZeroBalanceInDayClosingParamName)) {
                 product.setOdAccountClosedZeroBalanceInDayClosing(command.booleanPrimitiveValueOfParameterNamed(odAccountClosedZeroBalanceInDayClosingParamName));
             }
+            if (command.parameterExists(odMinLimitParamName)) {
+                product.setOdMinLimit(command.bigDecimalValueOfParameterNamed(odMinLimitParamName));
+            }
+            if (command.parameterExists(odSecurityTypeParamName)) {
+                product.setOdSecurityType(command.stringValueOfParameterNamed(odSecurityTypeParamName));
+            }
+            final boolean excessAllowed = command.parameterExists(odExcessAllowedParamName)
+                    && command.booleanPrimitiveValueOfParameterNamed(odExcessAllowedParamName);
+            product.setOdExcessAllowed(excessAllowed);
+            if (excessAllowed) {
+                if (command.parameterExists(odExcessLimitPercentParamName)) {
+                    product.setOdExcessLimitPercent(command.bigDecimalValueOfParameterNamed(odExcessLimitPercentParamName));
+                }
+                if (command.parameterExists(odPenalRateParamName)) {
+                    product.setOdPenalRate(command.bigDecimalValueOfParameterNamed(odPenalRateParamName));
+                }
+            }
         }
 
         return product;

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/service/CurrentProductGlMappingWriter.java

@@ -0,0 +1,115 @@
+/**
+ * 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.currentproduct.service;
+
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import java.util.LinkedHashMap;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.accounting.common.AccountingConstants.SavingProductAccountingParams;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
+import org.apache.fineract.portfolio.PortfolioProductType;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Writes a current product's GL mappings to acc_product_mapping under {@link PortfolioProductType#CURRENT}.
+ *
+ * <p>
+ * They used to be written by the savings mapping writer under SAVING, keyed only by product id, so a current product
+ * and a savings product with the same id shared rows: two Current Control rows came back for one lookup and the
+ * account's GL posting failed outright, leaving the balance moved with no journal entry. Written under their own type,
+ * the two can never meet.
+ *
+ * <p>
+ * A parameter present in the request replaces that one mapping (null clears it); an absent one is left alone, so a
+ * partial edit changes only what it names. Accounting rule NONE clears every mapping.
+ */
+@Component
+@RequiredArgsConstructor
+public class CurrentProductGlMappingWriter {
+
+    /** Request parameter -> financial account type (CashAccountsForSavings / AccrualAccountsForSavings). */
+    private static final Map<String, Integer> PARAM_TO_FINANCIAL_TYPE = new LinkedHashMap<>();
+
+    static {
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.SAVINGS_REFERENCE.getValue(), 1);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.SAVINGS_CONTROL.getValue(), 2);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INTEREST_ON_SAVINGS.getValue(), 3);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INCOME_FROM_FEES.getValue(), 4);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INCOME_FROM_PENALTIES.getValue(), 5);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), 10);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.OVERDRAFT_PORTFOLIO_CONTROL.getValue(), 11);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INCOME_FROM_INTEREST.getValue(), 12);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.LOSSES_WRITTEN_OFF.getValue(), 13);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.ESCHEAT_LIABILITY.getValue(), 14);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.FEES_RECEIVABLE.getValue(), 15);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.PENALTIES_RECEIVABLE.getValue(), 16);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INTEREST_PAYABLE.getValue(), 17);
+        PARAM_TO_FINANCIAL_TYPE.put(SavingProductAccountingParams.INTEREST_RECEIVABLE.getValue(), 18);
+    }
+
+    private static final int CURRENT = PortfolioProductType.CURRENT.getValue();
+
+    private final JdbcTemplate jdbcTemplate;
+
+    /**
+     * Applies the request's mappings to the product and returns what changed, keyed by parameter name.
+     *
+     * @param accountingRule
+     *            the product's accounting rule after this request (1 = NONE)
+     */
+    public Map<String, Object> write(final Long productId, final JsonCommand command, final Integer accountingRule) {
+        final Map<String, Object> changes = new LinkedHashMap<>();
+        if (accountingRule == null || accountingRule == 1) {
+            jdbcTemplate.update("DELETE FROM acc_product_mapping WHERE product_type = ? AND product_id = ?", CURRENT, productId);
+            return changes;
+        }
+        final JsonElement parsed = command.parsedJson();
+        final JsonObject json = parsed != null && parsed.isJsonObject() ? parsed.getAsJsonObject() : new JsonObject();
+        for (final Map.Entry<String, Integer> entry : PARAM_TO_FINANCIAL_TYPE.entrySet()) {
+            final String param = entry.getKey();
+            if (!json.has(param)) {
+                continue;
+            }
+            final Long glAccountId = json.get(param).isJsonNull() ? null : json.get(param).getAsLong();
+            final Long existing = jdbcTemplate.queryForList(
+                    "SELECT gl_account_id FROM acc_product_mapping WHERE product_type = ? AND product_id = ? AND financial_account_type = ?"
+                            + " AND payment_type IS NULL AND charge_id IS NULL",
+                    Long.class, CURRENT, productId, entry.getValue()).stream().findFirst().orElse(null);
+            if (java.util.Objects.equals(existing, glAccountId)) {
+                continue;
+            }
+            jdbcTemplate.update("DELETE FROM acc_product_mapping WHERE product_type = ? AND product_id = ? AND financial_account_type = ?"
+                    + " AND payment_type IS NULL AND charge_id IS NULL", CURRENT, productId, entry.getValue());
+            if (glAccountId != null) {
+                jdbcTemplate.update("INSERT INTO acc_product_mapping (gl_account_id, product_id, product_type, financial_account_type)"
+                        + " VALUES (?, ?, ?, ?)", glAccountId, productId, CURRENT, entry.getValue());
+            }
+            changes.put(param, glAccountId);
+        }
+        return changes;
+    }
+
+    /** Removes every mapping of a deleted product. */
+    public void deleteAll(final Long productId) {
+        jdbcTemplate.update("DELETE FROM acc_product_mapping WHERE product_type = ? AND product_id = ?", CURRENT, productId);
+    }
+}

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/service/CurrentProductReadPlatformServiceImpl.java

@@ -268,6 +268,9 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
             sqlBuilder.append("cp.balance_swap_option as balanceSwapOption, cp.msme as msme, cp.auto_debit_facility as autoDebitFacility, ");
             sqlBuilder.append("cp.avg_balance_calc_period as avgBalanceCalcPeriod, cp.valid_for_period as validForPeriod, ");
             sqlBuilder.append("cp.od_account_closed_zero_balance_in_day_closing as odAccountClosedZeroBalanceInDayClosing, ");
+            sqlBuilder.append("cp.od_min_limit as odMinLimit, cp.od_security_type as odSecurityType, ");
+            sqlBuilder.append("cp.od_excess_allowed as odExcessAllowed, cp.od_excess_limit_percent as odExcessLimitPercent, ");
+            sqlBuilder.append("cp.od_penal_rate as odPenalRate, ");
             sqlBuilder.append("exists(select 1 from m_saving_product_temp spt where spt.product_id = cp.id "
                     + "and spt.product_type = 'CURRENT' and spt.status = 'PENDING') as isPendingApproval ");
 
@@ -393,6 +396,11 @@ public class CurrentProductReadPlatformServiceImpl implements CurrentProductRead
             productData.setAvgBalanceCalcPeriod(rs.getString("avgBalanceCalcPeriod"));
             productData.setValidForPeriod(rs.getString("validForPeriod"));
             productData.setOdAccountClosedZeroBalanceInDayClosing(rs.getBoolean("odAccountClosedZeroBalanceInDayClosing"));
+            productData.setOdMinLimit(rs.getBigDecimal("odMinLimit"));
+            productData.setOdSecurityType(rs.getString("odSecurityType"));
+            productData.setOdExcessAllowed(rs.getBoolean("odExcessAllowed"));
+            productData.setOdExcessLimitPercent(rs.getBigDecimal("odExcessLimitPercent"));
+            productData.setOdPenalRate(rs.getBigDecimal("odPenalRate"));
             productData.setIsPendingApproval(rs.getBoolean("isPendingApproval"));
 
             return productData;

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/service/CurrentProductWritePlatformServiceJpaRepositoryImpl.java

@@ -98,6 +98,7 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
     private final ProductPendingEditGlMappingRepository pendingEditGlMappingRepository;
     private final FromJsonHelper fromApiJsonHelper;
     private final CommandSourceRepository commandSourceRepository;
+    private final CurrentProductGlMappingWriter glMappingWriter;
 
     private void handleDataIntegrityIssues(final JsonCommand command, final Throwable realCause, final Exception dae) {
         String msgCode = "error.msg." + DepositsApiConstants.CURRENT_PRODUCT_RESOURCE_NAME;
@@ -161,8 +162,8 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
                 this.depositLimitKycRepository.saveAndFlush(depositLimitKyc);
             }
 
-            this.accountMappingWritePlatformService.createSavingProductToGLAccountMapping(product.getId(), command,
-                    DepositAccountType.SAVINGS_DEPOSIT);
+            // Under the product's own CURRENT type, never SAVING: see CurrentProductGlMappingWriter.
+            this.glMappingWriter.write(product.getId(), command, product.getAccountingType());
 
             return new CommandProcessingResultBuilder() //
                     .withEntityId(product.getId()) //
@@ -258,10 +259,8 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
             }
 
             // accounting related changes
-            final boolean accountingTypeChanged = changes.containsKey(accountingRuleParamName);
-            final Map<String, Object> accountingMappingChanges = this.accountMappingWritePlatformService
-                    .updateSavingsProductToGLAccountMapping(product.getId(), command, accountingTypeChanged, product.getAccountingType(),
-                            DepositAccountType.SAVINGS_DEPOSIT);
+            final Map<String, Object> accountingMappingChanges = this.glMappingWriter.write(product.getId(), command,
+                    product.getAccountingType());
             changes.putAll(accountingMappingChanges);
 
             if (!changes.isEmpty()) {
@@ -504,6 +503,7 @@ public class CurrentProductWritePlatformServiceJpaRepositoryImpl implements Curr
                 .orElseThrow(() -> new SavingsProductNotFoundException(productId));
 
         this.currentProductRepository.delete(product);
+        this.glMappingWriter.deleteAll(productId);
 
         return new CommandProcessingResultBuilder() //
                 .withEntityId(product.getId()) //

fineract-current-product/src/main/java/org/apache/fineract/portfolio/currentproduct/starter/CurrentProductConfiguration.java

@@ -33,6 +33,7 @@ import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductDeposit
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityConfigRepository;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductFacilityLimitRepository;
 import org.apache.fineract.portfolio.currentproduct.domain.CurrentProductRepository;
+import org.apache.fineract.portfolio.currentproduct.service.CurrentProductGlMappingWriter;
 import org.apache.fineract.portfolio.currentproduct.service.CurrentProductReadPlatformService;
 import org.apache.fineract.portfolio.currentproduct.service.CurrentProductReadPlatformServiceImpl;
 import org.apache.fineract.portfolio.currentproduct.service.CurrentProductWritePlatformService;
@@ -78,11 +79,11 @@ public class CurrentProductConfiguration {
             ProductPendingEditFacilityLimitRepository pendingEditFacilityLimitRepository,
             ProductPendingEditGlMappingRepository pendingEditGlMappingRepository,
             FromJsonHelper fromApiJsonHelper,
-            CommandSourceRepository commandSourceRepository) {
+            CommandSourceRepository commandSourceRepository, CurrentProductGlMappingWriter glMappingWriter) {
         return new CurrentProductWritePlatformServiceJpaRepositoryImpl(context, currentProductRepository, currentProductDataValidator,
                 currentProductAssembler, accountMappingWritePlatformService, currentFacilityConfigRepository,
                 currentFacilityLimitRepository, currentDepositLimitKycRepository, productPendingEditRepository,
                 pendingEditSubmittedFieldRepository, pendingEditChargeRepository, pendingEditFacilityLimitRepository,
-                pendingEditGlMappingRepository, fromApiJsonHelper, commandSourceRepository);
+                pendingEditGlMappingRepository, fromApiJsonHelper, commandSourceRepository, glMappingWriter);
     }
 }

fineract-document/src/main/java/org/apache/fineract/infrastructure/documentmanagement/service/DocumentReadPlatformServiceImpl.java

@@ -18,20 +18,29 @@
  */
 package org.apache.fineract.infrastructure.documentmanagement.service;
 
+import java.io.FileNotFoundException;
+import java.nio.file.NoSuchFileException;
 import java.util.List;
 import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
 import org.apache.fineract.infrastructure.contentstore.service.ContentStoreService;
+import org.apache.fineract.infrastructure.core.exception.AbstractPlatformDomainRuleException;
 import org.apache.fineract.infrastructure.documentmanagement.data.DocumentContent;
 import org.apache.fineract.infrastructure.documentmanagement.data.DocumentData;
 import org.apache.fineract.infrastructure.documentmanagement.domain.DocumentRepository;
+import org.apache.fineract.infrastructure.documentmanagement.exception.DocumentInvalidRequestException;
 import org.apache.fineract.infrastructure.documentmanagement.exception.DocumentNotFoundException;
 import org.apache.fineract.infrastructure.documentmanagement.mapping.DocumentMapper;
 import org.springframework.stereotype.Service;
 
+@Slf4j
 @Service
 @RequiredArgsConstructor
 public class DocumentReadPlatformServiceImpl implements DocumentReadPlatformService {
 
+    /** Bound on the cause walk below, so a self-referencing cause chain cannot spin. */
+    private static final int MAX_CAUSE_DEPTH = 10;
+
     private final ContentStoreService storeService;
     private final DocumentRepository documentRepository;
     private final DocumentMapper documentMapper;
@@ -52,9 +61,39 @@ public class DocumentReadPlatformServiceImpl implements DocumentReadPlatformServ
     public DocumentContent retrieveDocumentContent(final String entityType, final Long entityId, final Long documentId) {
         final var doc = documentRepository.findByIdAndParentEntityTypeAndParentEntityId(documentId, entityType, entityId)
                 .orElseThrow(() -> new DocumentNotFoundException(entityType, entityId, documentId));
-        final var is = storeService.download(doc.getLocation());
+        try {
+            final var is = storeService.download(doc.getLocation());
+            return documentMapper.map(doc, is);
+        } catch (final AbstractPlatformDomainRuleException e) {
+            throw e;
+        } catch (final Exception e) {
+            if (isMissingFromContentStore(e)) {
+                // The m_document row survives but the file it points at does not — the usual cause is
+                // a database copied between environments without its file store (see the identical
+                // guard in ImageReadPlatformServiceImpl). For the caller that is simply "this document
+                // has no content", not a server fault, so report it the same way as a missing document
+                // instead of letting a raw ContentStoreException surface as a 500.
+                log.warn("Document {} for {} {} is recorded but missing from the content store; treating it as not found", documentId,
+                        entityType, entityId);
+                throw new DocumentNotFoundException(entityType, entityId, documentId);
+            }
+            throw new DocumentInvalidRequestException(e);
+        }
+    }
 
-        return documentMapper.map(doc, is);
+    /**
+     * Whether a failure bottoms out in "the stored file is not there", however it was wrapped on the
+     * way up (the file store rethrows as ContentStoreException).
+     */
+    private boolean isMissingFromContentStore(final Throwable failure) {
+        Throwable cause = failure;
+        for (int depth = 0; cause != null && depth < MAX_CAUSE_DEPTH; depth++) {
+            if (cause instanceof NoSuchFileException || cause instanceof FileNotFoundException) {
+                return true;
+            }
+            cause = cause.getCause();
+        }
+        return false;
     }
 
     @Override

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/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, true);
                 }
             }
 

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, false);
                 }
             }
 

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

@@ -105,7 +105,23 @@ public class JournalEntryReadPlatformServiceImpl implements JournalEntryReadPlat
                     .append(" journalEntry.currency_code as currencyCode, curr.name as currencyName, curr.internationalized_name_code as currencyNameCode, ")
                     .append(" curr.display_symbol as currencyDisplaySymbol, curr.decimal_places as currencyDigits, curr.currency_multiplesof as inMultiplesOf, ")
                     .append(" eao.external_id as externalAssetOwner, ")
+                    // entity_type_enum=6 (PortfolioProductType.CURRENT) unambiguously names a row in
+                    // m_current_account -- newer write paths tag current-account entries with it
+                    // instead of reusing SAVING's type, specifically so this case needs no guessing.
+                    //
+                    // entity_type_enum=2 (PortfolioProductType.SAVING) is still written for BOTH savings
+                    // and current-account entries by older write paths not yet updated to the above --
+                    // current products used to deliberately share SAVING's GL type space (see
+                    // PortfolioProductType.CURRENT's own comment) -- and m_savings_account/
+                    // m_current_account each have their own id sequence, so an entity_id can be a real
+                    // row in both, making a plain COALESCE(ca.account_no, sa.account_no) pick the current
+                    // account's number even for an entry that is genuinely a savings one.
+                    // savings_transaction_id is the one unambiguous signal available for those older
+                    // entries -- only a real savings transaction sets it -- so it decides first; only
+                    // when it's absent does the current-account guess apply.
                     .append(" CASE ")
+                    .append("   WHEN journalEntry.entity_type_enum = 6 THEN ca.account_no ")
+                    .append("   WHEN journalEntry.entity_type_enum = 2 AND journalEntry.savings_transaction_id IS NOT NULL THEN sa.account_no ")
                     .append("   WHEN journalEntry.entity_type_enum = 2 THEN COALESCE(ca.account_no, sa.account_no) ")
                     .append("   ELSE NULL ")
                     .append(" END as savingsAccountNo ");
@@ -130,7 +146,7 @@ public class JournalEntryReadPlatformServiceImpl implements JournalEntryReadPlat
                     .append(" left join m_external_asset_owner_journal_entry_mapping eajem on eajem.journal_entry_id = journalEntry.id ")
                     .append(" left join m_external_asset_owner eao on eao.id = eajem.owner_id ")
                     .append(" left join m_savings_account sa on sa.id = journalEntry.entity_id AND journalEntry.entity_type_enum = 2 ")
-                    .append(" left join m_current_account ca on ca.id = journalEntry.entity_id AND journalEntry.entity_type_enum = 2 ");
+                    .append(" left join m_current_account ca on ca.id = journalEntry.entity_id AND journalEntry.entity_type_enum IN (2, 6) ");
             if (associationParametersData.isTransactionDetailsRequired()) {
                 sb.append(" left join m_loan_transaction as lt on journalEntry.loan_transaction_id = lt.id ")
                         .append(" left join m_savings_account_transaction as st on journalEntry.savings_transaction_id = st.id ")

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

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

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

@@ -294,8 +294,14 @@ public class ProductToGLAccountMappingWritePlatformServiceImpl implements Produc
                 SavingProductAccountingParams.TRANSFERS_SUSPENSE.getValue(), savingProductId,
                 CashAccountsForSavings.TRANSFERS_SUSPENSE.getValue());
 
+        // FD and RD products switch dormancy on with "dormancyAlert" (DepositProductAssembler derives the product's
+        // tracking flag from it) and never send isDormancyTrackingActive, so reading only that dropped the escheat
+        // account the screen had asked for - the product then tracked dormancy with no escheat account mapped.
         final Boolean isDormancyTrackingActive = this.fromApiJsonHelper.extractBooleanNamed(isDormancyTrackingActiveParamName, element);
-        if (null != isDormancyTrackingActive && isDormancyTrackingActive) {
+        final Boolean dormancyAlert = this.fromApiJsonHelper.parameterExists("dormancyAlert", element)
+                ? this.fromApiJsonHelper.extractBooleanNamed("dormancyAlert", element)
+                : null;
+        if (Boolean.TRUE.equals(isDormancyTrackingActive) || Boolean.TRUE.equals(dormancyAlert)) {
             this.savingsProductToGLAccountMappingHelper.saveSavingsToLiabilityAccountMapping(element,
                     SavingProductAccountingParams.ESCHEAT_LIABILITY.getValue(), savingProductId,
                     CashAccountsForSavings.ESCHEAT_LIABILITY.getValue());
@@ -329,6 +335,18 @@ public class ProductToGLAccountMappingWritePlatformServiceImpl implements Produc
             break;
             case CASH_BASED:
                 saveSavingsBaseAccountMapping(savingProductId, accountType, command, element);
+                // Interest Payable is saved on cash too, and optionally: interest posting routes
+                // through it on either basis (see AccountingProcessorHelper
+                // .createInterestPostingJournalEntriesForSavings), so that interest declared but not
+                // yet credited to the member reads as the bank's own liability rather than appearing
+                // only at the moment it is paid. Mapped only when the screen supplies it - a product
+                // naming none still posts straight to Savings Control, as it always did.
+                if (this.fromApiJsonHelper.parameterExists(SavingProductAccountingParams.INTEREST_PAYABLE.getValue(),
+                        element)) {
+                    this.savingsProductToGLAccountMappingHelper.saveSavingsToLiabilityAccountMapping(element,
+                            SavingProductAccountingParams.INTEREST_PAYABLE.getValue(), savingProductId,
+                            AccrualAccountsForSavings.INTEREST_PAYABLE.getValue());
+                }
             break;
 
             case ACCRUAL_PERIODIC:

fineract-provider/src/main/java/org/apache/fineract/cob/api/LoanCOBCatchUpApiResource.java

@@ -35,6 +35,7 @@ import org.apache.fineract.cob.data.OldestCOBProcessedLoanDTO;
 import org.apache.fineract.cob.service.LoanCOBCatchUpService;
 import org.apache.fineract.infrastructure.core.exception.JobIsNotFoundOrNotEnabledException;
 import org.apache.fineract.infrastructure.jobs.service.JobName;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.springframework.stereotype.Component;
 
 @Path("/v1/loans")
@@ -44,6 +45,7 @@ import org.springframework.stereotype.Component;
 public class LoanCOBCatchUpApiResource {
 
     private final Optional<LoanCOBCatchUpService> loanCOBCatchUpServiceOp;
+    private final PlatformSecurityContext context;
 
     @GET
     @Path("oldest-cob-closed")
@@ -64,6 +66,7 @@ public class LoanCOBCatchUpApiResource {
     @ApiResponse(responseCode = "202", description = "Catch Up has been started")
     @ApiResponse(responseCode = "400", description = "Catch Up is already running")
     public Response executeLoanCOBCatchUp() {
+        this.context.authenticatedUser().validateHasPermissionTo("EXECUTE_LOANCOBCATCHUP");
         return loanCOBCatchUpServiceOp.map(loanCOBCatchUpService -> {
             if (loanCOBCatchUpService.isCatchUpRunning().isCatchUpRunning()) {
                 return Response.status(Response.Status.BAD_REQUEST).build();

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

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

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

@@ -165,9 +165,11 @@ public class SecurityConfig {
                     // envelope's RSA signature/encryption (NpciCryptoUtil) inside the handler.
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/npci/**")).permitAll()
                     // Client account summary, third-party callers — a partner integration calls this
-                    // with an X-Api-Key header instead of a Fineract username/password (issued via
-                    // POST /v1/apiclients, super-user only). Same posture as IMPS/NPCI above: the
-                    // outer gate stays open for this one narrow GET path, and
+                    // with an X-Api-Key header instead of a Fineract username/password. The key itself
+                    // is issued by inserting directly into m_api_client in the tenant-store database
+                    // (see ApiClientAdminApiResource — its POST /v1/apiclients is deliberately disabled,
+                    // since any bank's own super user reaching it could mint a platform-wide key). Same
+                    // posture as IMPS/NPCI above: the outer gate stays open for this one narrow GET path, and
                     // ClientAllAccountsApiResource#retrieveByClientNo is what actually authenticates
                     // the caller (ApiClientCredentialService checks the key's hash, active flag and
                     // IP allowlist) — a request with no key and no Fineract login still gets nothing,
@@ -222,7 +224,10 @@ public class SecurityConfig {
                     // currency
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/currencies"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_CURRENCY")
-                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/currencies"))
+                    // the actual currency-update endpoint is PUT (CurrenciesApiResource has no @POST method) -
+                    // this matcher previously targeted POST, which meant PUT fell through to the generic
+                    // fullyAuthenticated() catch-all with no permission check at all.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/currencies"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_CURRENCY")
                     // notes: read
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/clients/*/notes"))
@@ -355,11 +360,18 @@ public class SecurityConfig {
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/import/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_IMPORT")
                     // payment type
+                    // NOTE: POST previously required "UPDATE_PAYMENTTYPE" (wrong authority for create), with a
+                    // second, unreachable matcher for the same POST pattern requiring "DELETE_PAYMENTTYPE" - and
+                    // no PUT/DELETE matcher existed at all, so those requests fell through to the generic
+                    // fullyAuthenticated() catch-all below with no permission check. Corrected to one matcher
+                    // per method, each requiring its own correct permission code.
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/paymenttypes/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_PAYMENTTYPE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/paymenttypes"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_PAYMENTTYPE")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/paymenttypes/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_PAYMENTTYPE")
-                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/paymenttypes"))
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.DELETE, "/api/*/paymenttypes/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_PAYMENTTYPE")
                     // mix: taxonomy
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/mixtaxonomy/*"))
@@ -390,12 +402,41 @@ public class SecurityConfig {
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.DELETE, "/api/*/mixreport/*"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_MIX_REPORT")
                     // working days
+                    // NOTE: previously "READ_WORKING_DAYS"/"UPDATE_WORKING_DAYS" (with an underscore between
+                    // WORKING and DAYS), which did not match the actual seeded permission codes
+                    // (READ_WORKINGDAYS / UPDATE_WORKINGDAYS) - corrected to the real codes.
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/workingdays"))
-                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKING_DAYS")
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKINGDAYS")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/workingdays/template"))
-                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKING_DAYS")
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_WORKINGDAYS")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/workingdays"))
-                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_WORKING_DAYS")
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_WORKINGDAYS")
+                    // sponsor banks
+                    // NOTE: no matcher previously existed at all for this path - POST/PUT both fell
+                    // through to the generic fullyAuthenticated() catch-all below with no permission
+                    // check whatsoever.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/sponsorbanks"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_SPONSORBANK")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/sponsorbanks/*"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_SPONSORBANK")
+                    // sponsor DD GST/GL settings
+                    // NOTE: no matcher previously existed at all for this path either. gl-mapping is a
+                    // genuine upsert (one call both creates and updates the single settings row), so it is
+                    // covered by one UPDATE_SPONSORDDGLMAPPING matcher rather than a separate CREATE one.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/sponsordd/gl-mapping"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_SPONSORDDGLMAPPING")
+                    // bank profile (institution profile)
+                    // NOTE: no matcher previously existed at all for this path - the PUT relied solely on
+                    // the in-resource validateHasPermissionTo() check, which this change replaces with the
+                    // command-source pipeline. Added here for the same defense-in-depth already applied to
+                    // Currency/Payment Type/Working Days.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/institutionprofile"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_INSTITUTIONPROFILE")
+                    // branch profile
+                    // NOTE: no matcher previously existed at all for this path either, same rationale as
+                    // institution profile above.
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/branchprofile/*"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_BRANCHPROFILE")
 
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/twofactor/validate")).fullyAuthenticated()
                     .requestMatchers(API_MATCHER.matcher("/api/*/twofactor")).fullyAuthenticated()

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

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

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

@@ -0,0 +1,90 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.infrastructure.core.service.migration;
+
+import java.util.Locale;
+import javax.sql.DataSource;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.useradministration.service.AppUserConstants;
+import org.springframework.core.env.Environment;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.security.crypto.factory.PasswordEncoderFactories;
+import org.springframework.security.crypto.password.PasswordEncoder;
+import org.springframework.stereotype.Component;
+
+/**
+ * Personalises the three users that the initial Liquibase data seeds into every brand-new tenant database (ids 1-3,
+ * which otherwise ship with the well-known {@code mifos} / {@code system} / {@code interopUser} usernames and the
+ * public default password).
+ *
+ * Runs only right after the very first migration of a tenant that was never on Flyway, so existing tenants are never
+ * touched. The seeded changeSet itself is deliberately left alone: editing it would change its Liquibase checksum and
+ * break validation on every tenant that already ran it.
+ *
+ * Usernames become {@code <tenantIdentifier>_admin} and {@code <tenantIdentifier>_interop}. The system user keeps the
+ * {@link AppUserConstants#SYSTEM_USER_NAME} username because scheduler jobs, COB and other background processes look it
+ * up by that name; only its password is changed. All three share one password: the value of
+ * {@code fineract.tenant.initial-user-password} (env {@code FINERACT_TENANT_INITIAL_USER_PASSWORD}) when set,
+ * otherwise {@link #DEFAULT_PASSWORD}.
+ */
+@Component
+@Slf4j
+@RequiredArgsConstructor
+public class TenantInitialUserProvisioner {
+
+    static final String PASSWORD_PROPERTY = "fineract.tenant.initial-user-password";
+
+    private static final long ADMIN_ID = 1L;
+    private static final long SYSTEM_ID = 2L;
+    private static final long INTEROP_ID = 3L;
+    // Meets the "strong" password policy (upper, lower, digit, special, no space, under 50 chars).
+    static final String DEFAULT_PASSWORD = "Cbs@Nexora#2026!Secure";
+
+    private final Environment environment;
+
+    public void provision(final DataSource dataSource, final String tenantIdentifier) {
+        final JdbcTemplate jdbc = new JdbcTemplate(dataSource);
+        final String prefix = usernamePrefix(tenantIdentifier);
+
+        final String configured = environment.getProperty(PASSWORD_PROPERTY);
+        final boolean overridden = configured != null && !configured.isBlank();
+        final String password = overridden ? configured : DEFAULT_PASSWORD;
+        final PasswordEncoder encoder = PasswordEncoderFactories.createDelegatingPasswordEncoder();
+        final String encoded = encoder.encode(password);
+
+        update(jdbc, ADMIN_ID, prefix + "_admin", encoded);
+        update(jdbc, SYSTEM_ID, AppUserConstants.SYSTEM_USER_NAME, encoded);
+        update(jdbc, INTEROP_ID, prefix + "_interop", encoded);
+
+        log.warn("Tenant '{}' initial users created: {}_admin, {}, {}_interop (password: {}). Change it after first login.",
+                tenantIdentifier, prefix, AppUserConstants.SYSTEM_USER_NAME, prefix, overridden ? "from " + PASSWORD_PROPERTY : "built-in default");
+    }
+
+    private void update(final JdbcTemplate jdbc, final long id, final String username, final String encodedPassword) {
+        jdbc.update("UPDATE m_appuser SET username = ?, password = ?, last_time_password_updated = CURRENT_DATE WHERE id = ?", username,
+                encodedPassword, id);
+    }
+
+    static String usernamePrefix(final String tenantIdentifier) {
+        final String cleaned = tenantIdentifier.toLowerCase(Locale.ROOT).replaceAll("[^a-z0-9]+", "_").replaceAll("^_+|_+$", "");
+        return cleaned.isEmpty() ? "tenant" : cleaned;
+    }
+
+}

fineract-provider/src/main/java/org/apache/fineract/infrastructure/security/apiclient/ApiClientAdminApiResource.java

@@ -20,7 +20,6 @@ package org.apache.fineract.infrastructure.security.apiclient;
 
 import com.google.gson.Gson;
 import com.google.gson.GsonBuilder;
-import com.google.gson.JsonElement;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.ws.rs.Consumes;
 import jakarta.ws.rs.DELETE;
@@ -35,17 +34,26 @@ import jakarta.ws.rs.core.Response;
 import java.util.List;
 import java.util.Map;
 import lombok.RequiredArgsConstructor;
-import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.stereotype.Component;
 
 /**
  * Admin-only management of the third-party API keys {@link ApiClientCredentialService} authenticates.
- * This resource itself requires a normal Fineract login, same as everything else -- ordinary
- * username/password, restricted to a super user (ALL_FUNCTIONS). Only the endpoints that use a minted
- * key to skip login (e.g. GET /v1/clientaccounts) are the ones exempted in SecurityConfig; issuing that
- * key in the first place is not something to hand to just anyone.
+ * List/deactivate/reactivate still require a normal Fineract login restricted to a super user
+ * (ALL_FUNCTIONS) -- but minting a NEW key ({@link #create}) is disabled here entirely, on purpose.
+ *
+ * {@code ALL_FUNCTIONS} is a per-TENANT role grant -- and {@code TenantMenuAccessApiResource}'s whole
+ * point is that a bank's own super user (or a role simply misconfigured to carry ALL_FUNCTIONS, as the
+ * "Clerk" role was found to in two tenants this session) must never be able to lift its own menu-access
+ * ceiling. If this endpoint minted keys for any ALL_FUNCTIONS holder, that same bank super user could
+ * call {@code POST /v1/apiclients} and hand themselves a brand-new platform-operator credential -- one
+ * that authenticates against every tenant, not just their own -- completely bypassing the ceiling this
+ * key mechanism exists to enforce. A super user being able to read/deactivate the client list is fine
+ * (visibility and revocation are not privilege escalation); being able to mint a fresh one is exactly
+ * the escalation path being closed. New keys are issued the same way this fix issued the first one: a
+ * direct insert into {@code m_api_client} (see {@link ApiClientCredentialService#createClient}), by
+ * whoever already has direct database access -- never over HTTP.
  */
 @Path("/v1/apiclients")
 @Component
@@ -55,20 +63,18 @@ public class ApiClientAdminApiResource {
 
     private final PlatformSecurityContext context;
     private final ApiClientCredentialService credentialService;
-    private final FromJsonHelper fromJsonHelper;
     private final Gson gson = new GsonBuilder().serializeNulls().create();
 
+    /** Disabled -- see the class comment. Minting a key is a direct-database operation only. */
     @POST
     @Consumes(MediaType.APPLICATION_JSON)
     @Produces(MediaType.APPLICATION_JSON)
     public String create(final String body) {
-        final AppUser user = requireSuperUser();
-        final JsonElement root = fromJsonHelper.parse(body);
-        final String clientName = fromJsonHelper.extractStringNamed("clientName", root);
-        final String allowedIps = fromJsonHelper.extractStringNamed("allowedIps", root);
-
-        final Map<String, Object> result = credentialService.createClient(clientName, allowedIps, user.getId());
-        return gson.toJson(result);
+        requireSuperUser();
+        throw new WebApplicationException(Response.status(403)
+                .entity("{\"message\":\"Minting a new platform API key over HTTP is disabled. "
+                        + "Insert directly into m_api_client in the tenant-store database instead.\"}")
+                .type(MediaType.APPLICATION_JSON).build());
     }
 
     @GET

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/organisation/workingdays/api/WorkingDaysApiResource.java

@@ -27,15 +27,15 @@ import jakarta.ws.rs.PUT;
 import jakarta.ws.rs.Path;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.core.MediaType;
-import java.time.Instant;
-import java.util.function.Supplier;
 import lombok.RequiredArgsConstructor;
-import org.apache.fineract.command.core.CommandPipeline;
-import org.apache.fineract.organisation.workingdays.command.WorkingDaysUpdateCommand;
+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.core.serialization.DefaultToApiJsonSerializer;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysData;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateRequest;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateRequestValidator;
-import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateResponse;
 import org.apache.fineract.organisation.workingdays.service.WorkingDaysReadPlatformService;
 import org.springframework.stereotype.Component;
 
@@ -50,7 +50,8 @@ public class WorkingDaysApiResource {
 
     private final WorkingDaysReadPlatformService workingDaysReadPlatformService;
     private final WorkingDaysUpdateRequestValidator workingDaysUpdateRequestValidator;
-    private final CommandPipeline commandPipeline;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
+    private final DefaultToApiJsonSerializer<WorkingDaysUpdateRequest> toApiJsonSerializer;
 
     @GET
     @Consumes({ MediaType.APPLICATION_JSON })
@@ -65,17 +66,13 @@ public class WorkingDaysApiResource {
     @Produces({ MediaType.APPLICATION_JSON })
     @Operation(summary = "Update a Working Day", description = "Mandatory Fields\n"
             + "recurrence,repaymentRescheduleType,extendTermForDailyRepayments,locale")
-    public WorkingDaysUpdateResponse update(@Valid WorkingDaysUpdateRequest request) {
+    public String update(@Valid final WorkingDaysUpdateRequest request) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updateWorkingDays()
+                .withJson(toApiJsonSerializer.serialize(request)).build();
 
-        final var command = new WorkingDaysUpdateCommand();
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
 
-        command.setCommandId(System.currentTimeMillis());
-        command.setCreatedAt(Instant.now());
-        command.setPayload(request);
-
-        final Supplier<WorkingDaysUpdateResponse> response = commandPipeline.send(command);
-
-        return response.get();
+        return toApiJsonSerializer.serialize(result);
     }
 
     @GET

fineract-provider/src/main/java/org/apache/fineract/organisation/workingdays/handler/UpdateWorkingDaysCommandHandler.java

@@ -18,38 +18,46 @@
  */
 package org.apache.fineract.organisation.workingdays.handler;
 
-import java.util.Collections;
 import java.util.Map;
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.apache.fineract.command.core.Command;
-import org.apache.fineract.command.core.CommandHandler;
+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.infrastructure.core.data.CommandProcessingResultBuilder;
 import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateRequest;
-import org.apache.fineract.organisation.workingdays.data.WorkingDaysUpdateResponse;
 import org.apache.fineract.organisation.workingdays.service.WorkingDaysWritePlatformService;
-import org.springframework.stereotype.Component;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 
-@Slf4j
-@Component
-@RequiredArgsConstructor
-public class UpdateWorkingDaysCommandHandler implements CommandHandler<WorkingDaysUpdateRequest, WorkingDaysUpdateResponse> {
+@Service
+@CommandType(entity = "WORKINGDAYS", action = "UPDATE")
+public class UpdateWorkingDaysCommandHandler implements NewCommandSourceHandler {
 
     private final WorkingDaysWritePlatformService workingDaysWritePlatformService;
 
+    @Autowired
+    public UpdateWorkingDaysCommandHandler(final WorkingDaysWritePlatformService workingDaysWritePlatformService) {
+        this.workingDaysWritePlatformService = workingDaysWritePlatformService;
+    }
+
     @Transactional
     @Override
-    public WorkingDaysUpdateResponse handle(Command<WorkingDaysUpdateRequest> command) {
-        WorkingDaysUpdateRequest request = command.getPayload();
-        Map<String, Object> changes = this.workingDaysWritePlatformService.updateWorkingDays(request);
-        if (changes == null) {
-            changes = Collections.emptyMap();
-        }
+    public CommandProcessingResult processCommand(final JsonCommand command) {
 
-        return WorkingDaysUpdateResponse.builder().resourceId((Long) changes.get("resourceId")).changes(changes)
-                .recurrence(request.getRecurrence()).repaymentRescheduleType(request.getRepaymentRescheduleType())
-                .extendTermForDailyRepayments(request.getExtendTermForDailyRepayments())
-                .extendTermForRepaymentsOnHolidays(request.getExtendTermForRepaymentsOnHolidays()).build();
+        final WorkingDaysUpdateRequest request = WorkingDaysUpdateRequest.builder()
+                .recurrence(command.stringValueOfParameterNamed("recurrence"))
+                .repaymentRescheduleType(command.integerValueSansLocaleOfParameterNamed("repaymentRescheduleType"))
+                .extendTermForDailyRepayments(command.booleanObjectValueOfParameterNamed("extendTermForDailyRepayments"))
+                .extendTermForRepaymentsOnHolidays(command.booleanObjectValueOfParameterNamed("extendTermForRepaymentsOnHolidays"))
+                .build();
+
+        final Map<String, Object> changes = this.workingDaysWritePlatformService.updateWorkingDays(request);
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .with(changes) //
+                .build();
     }
 
 }

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

@@ -0,0 +1,152 @@
+/**
+ * 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.account.service;
+
+import java.math.BigDecimal;
+import java.sql.PreparedStatement;
+import java.time.LocalDate;
+import java.time.OffsetDateTime;
+import java.util.List;
+import java.util.Map;
+import java.util.Objects;
+import java.util.UUID;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.portfolio.client.service.KycRestrictionGuard;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.jdbc.support.GeneratedKeyHolder;
+import org.springframework.jdbc.support.KeyHolder;
+import org.springframework.stereotype.Service;
+
+/**
+ * A book debit: money leaves a savings or current account by book entry, not as cash.
+ *
+ * <p>
+ * Posts NO journal entry. The caller posts the one entry that describes the real movement (a DD, a collection...).
+ * Debiting through a cash withdrawal instead made the withdrawal post its own Dr control / Cr Cash-at-Vault entry --
+ * cash that never moved -- which callers then hid by flagging it reversed, leaving an entry in the ledger that no
+ * report shows.
+ *
+ * <p>
+ * It keeps the rules a withdrawal applies: the account must be active, the amount must fit in the available balance
+ * (balance less funds on hold), and a dormant account or a lapsed re-KYC stops the debit. Joins the caller's
+ * transaction, so a later failure rolls the debit back with everything else.
+ */
+@Service
+@RequiredArgsConstructor
+public class AccountBookDebitService {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final KycRestrictionGuard kycRestrictionGuard;
+
+    /** Debits a savings account; returns the m_savings_account_transaction id. */
+    public long debitSavings(final Long accountId, final BigDecimal amount, final Long officeId, final LocalDate txnDate,
+            final Long userId) {
+        final BigDecimal balance = checkedBalance("m_savings_account", "Savings", accountId, amount);
+        kycRestrictionGuard.check(accountId, KycRestrictionGuard.Operation.DEBIT);
+
+        final java.sql.Date sqlDate = java.sql.Date.valueOf(txnDate);
+        final OffsetDateTime now = OffsetDateTime.now(DateUtils.getDateTimeZoneOfTenant());
+        final KeyHolder kh = new GeneratedKeyHolder();
+        jdbcTemplate.update(con -> {
+            final PreparedStatement ps = con.prepareStatement("INSERT INTO m_savings_account_transaction "
+                    + "(savings_account_id, office_id, payment_detail_id, transaction_type_enum, is_reversed, transaction_date, amount, "
+                    + "submitted_on_date, ref_no, running_balance_derived, is_lien_transaction, created_by, last_modified_by, "
+                    + "created_on_utc, last_modified_on_utc) VALUES (?, ?, NULL, 2, false, ?, ?, ?, ?, ?, false, ?, ?, ?, ?)",
+                    new String[] { "id" });
+            ps.setLong(1, accountId);
+            ps.setLong(2, officeId);
+            ps.setDate(3, sqlDate);
+            ps.setBigDecimal(4, amount);
+            ps.setDate(5, sqlDate);
+            ps.setString(6, refNo());
+            ps.setBigDecimal(7, balance.subtract(amount));
+            ps.setLong(8, userId);
+            ps.setLong(9, userId);
+            ps.setObject(10, now);
+            ps.setObject(11, now);
+            return ps;
+        }, kh);
+        jdbcTemplate.update("UPDATE m_savings_account SET account_balance_derived = account_balance_derived - ?, "
+                + "total_withdrawals_derived = COALESCE(total_withdrawals_derived, 0) + ? WHERE id = ?", amount, amount, accountId);
+        return Objects.requireNonNull(kh.getKey()).longValue();
+    }
+
+    /** Debits a current account; returns the m_current_account_transaction id. */
+    public long debitCurrent(final Long accountId, final BigDecimal amount, final Long officeId, final LocalDate txnDate,
+            final Long userId, final String note) {
+        final BigDecimal balance = checkedBalance("m_current_account", "Current", accountId, amount);
+        kycRestrictionGuard.checkCurrentAccount(accountId, KycRestrictionGuard.Operation.DEBIT);
+
+        final java.sql.Date sqlDate = java.sql.Date.valueOf(txnDate);
+        final String remarks = note == null || note.isBlank() ? "Book debit" : (note.length() > 490 ? note.substring(0, 490) : note);
+        final KeyHolder kh = new GeneratedKeyHolder();
+        jdbcTemplate.update(con -> {
+            final PreparedStatement ps = con.prepareStatement("INSERT INTO m_current_account_transaction "
+                    + "(current_account_id, office_id, transaction_type_enum, transaction_date, amount, is_reversed, is_reversal, "
+                    + "is_manual, is_lien_transaction, ref_no, submitted_on_date, running_balance_derived, remarks, created_date, created_by) "
+                    + "VALUES (?, ?, 2, ?, ?, false, false, false, false, ?, ?, ?, ?, CURRENT_TIMESTAMP, ?)", new String[] { "id" });
+            ps.setLong(1, accountId);
+            ps.setLong(2, officeId);
+            ps.setDate(3, sqlDate);
+            ps.setBigDecimal(4, amount);
+            ps.setString(5, refNo());
+            ps.setDate(6, sqlDate);
+            ps.setBigDecimal(7, balance.subtract(amount));
+            ps.setString(8, remarks);
+            ps.setLong(9, userId);
+            return ps;
+        }, kh);
+        jdbcTemplate.update("UPDATE m_current_account SET account_balance_derived = account_balance_derived - ?, "
+                + "total_withdrawals_derived = COALESCE(total_withdrawals_derived, 0) + ? WHERE id = ?", amount, amount, accountId);
+        return Objects.requireNonNull(kh.getKey()).longValue();
+    }
+
+    /** The account's balance, after checking it is active and can cover {@code amount} from what is not on hold. */
+    private BigDecimal checkedBalance(final String table, final String kind, final Long accountId, final BigDecimal amount) {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
+                "SELECT status_enum, account_balance_derived, on_hold_funds_derived FROM " + table + " WHERE id = ?", accountId);
+        if (rows.isEmpty()) {
+            throw new GeneralPlatformDomainRuleException("error.msg.account.not.found", kind + " account " + accountId + " not found.",
+                    accountId);
+        }
+        final int status = ((Number) rows.get(0).get("status_enum")).intValue();
+        if (status != 300) {
+            throw new GeneralPlatformDomainRuleException("error.msg.account.not.active",
+                    kind + " account " + accountId + " is not active.", accountId);
+        }
+        final BigDecimal balance = rows.get(0).get("account_balance_derived") == null ? BigDecimal.ZERO
+                : (BigDecimal) rows.get(0).get("account_balance_derived");
+        final BigDecimal onHold = rows.get(0).get("on_hold_funds_derived") == null ? BigDecimal.ZERO
+                : (BigDecimal) rows.get(0).get("on_hold_funds_derived");
+        final BigDecimal available = balance.subtract(onHold);
+        if (available.compareTo(amount) < 0) {
+            throw new GeneralPlatformDomainRuleException("error.msg.account.insufficient.balance",
+                    "Insufficient available balance in " + kind.toLowerCase() + " account " + accountId + ". Available: " + available
+                            + ", Requested: " + amount,
+                    accountId);
+        }
+        return balance;
+    }
+
+    private static String refNo() {
+        return UUID.randomUUID().toString().replace("-", "").substring(0, 20);
+    }
+}

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

@@ -27,6 +27,7 @@ import static org.apache.fineract.portfolio.account.api.AccountTransfersApiConst
 
 import com.google.common.collect.Lists;
 import java.math.BigDecimal;
+import java.math.MathContext;
 import java.time.LocalDate;
 import java.time.format.DateTimeFormatter;
 import java.util.ArrayList;
@@ -44,6 +45,7 @@ import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
 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.organisation.monetary.domain.Money;
 import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
@@ -57,6 +59,7 @@ import org.apache.fineract.portfolio.account.domain.AccountTransferRepository;
 import org.apache.fineract.portfolio.account.domain.AccountTransferTransaction;
 import org.apache.fineract.portfolio.account.domain.AccountTransferType;
 import org.apache.fineract.portfolio.account.exception.DifferentCurrenciesException;
+import org.apache.fineract.portfolio.client.service.KycRestrictionGuard;
 import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccount;
 import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountRepository;
 import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransaction;
@@ -73,11 +76,13 @@ import org.apache.fineract.portfolio.paymentdetail.domain.PaymentDetail;
 import org.apache.fineract.portfolio.savings.SavingsTransactionBooleanValues;
 import org.apache.fineract.portfolio.savings.domain.GSIMRepositoy;
 import org.apache.fineract.portfolio.savings.domain.GroupSavingsIndividualMonitoring;
+import org.apache.fineract.portfolio.savings.domain.RecurringDepositAccount;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccount;
 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
@@ -100,6 +105,8 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
     private final CurrentAccountRepository currentAccountRepository;
     private final CurrentAccountTransactionRepository currentAccountTransactionRepository;
     private final AccountingProcessorHelper accountingProcessorHelper;
+    private final KycRestrictionGuard kycRestrictionGuard;
+    private final SavingsInterestTdsService savingsInterestTdsService;
 
     @Transactional
     @Override
@@ -145,6 +152,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             final SavingsAccountTransaction deposit = this.savingsAccountDomainService.handleDeposit(toSavingsAccount, fmt, transactionDate,
                     transactionAmount, paymentDetail, isAccountTransfer, isRegularTransaction, backdatedTxnsAllowedTill);
+            applyToRecurringDepositSchedule(toSavingsAccount, deposit);
 
             if (!fromSavingsAccount.getCurrency().getCode().equals(toSavingsAccount.getCurrency().getCode())) {
                 throw new DifferentCurrenciesException(fromSavingsAccount.getCurrency().getCode(),
@@ -200,6 +208,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             final SavingsAccountTransaction deposit = this.savingsAccountDomainService.handleDeposit(toSavingsAccount, fmt, transactionDate,
                     transactionAmount, paymentDetail, isAccountTransfer, isRegularTransaction, backdatedTxnsAllowedTill);
+            applyToRecurringDepositSchedule(toSavingsAccount, deposit);
 
             final AccountTransferDetails accountTransferDetails = this.accountTransferAssembler.assembleLoanToSavingsTransfer(command,
                     fromLoanAccount, toSavingsAccount, deposit, loanRefundTransaction);
@@ -405,11 +414,15 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
             final SavingsAccountTransaction deposit = this.savingsAccountDomainService.handleDeposit(toSavingsAccount,
                     accountTransferDTO.getFmt(), transactionDate, accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getPaymentDetail(), isAccountTransfer, isRegularTransaction, backdatedTxnsAllowedTill);
+            applyToRecurringDepositSchedule(toSavingsAccount, deposit);
 
             accountTransferDetails = this.accountTransferAssembler.assembleSavingsToSavingsTransfer(accountTransferDTO, fromSavingsAccount,
                     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())) {
 
@@ -447,6 +460,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
             final SavingsAccountTransaction deposit = this.savingsAccountDomainService.handleDeposit(toSavingsAccount,
                     accountTransferDTO.getFmt(), accountTransferDTO.getTransactionDate(), accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getPaymentDetail(), isAccountTransfer, isRegularTransaction, backdatedTxnsAllowedTill);
+            applyToRecurringDepositSchedule(toSavingsAccount, deposit);
             accountTransferDetails = this.accountTransferAssembler.assembleLoanToSavingsTransfer(accountTransferDTO, fromLoanAccount,
                     toSavingsAccount, deposit, loanTransaction);
             this.accountTransferDetailRepository.saveAndFlush(accountTransferDetails);
@@ -472,7 +486,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             final CurrentAccountTransaction withdrawal = performCurrentWithdrawal(fromCurrentAccount,
                     accountTransferDTO.getTransactionAmount(), accountTransferDTO.getTransactionDate(),
-                    toSavingsAccount.productId(), toSavingsAccount.getId());
+                    toSavingsAccount.productId(), false, toSavingsAccount.getId());
 
             // skipAccountingPostings=true: current account withdrawal leg (C-txn) already posts
             // DR CURRENT ACCOUNT / CR SAVING INDIVIDUAL directly — each with its own account number.
@@ -481,6 +495,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
                     accountTransferDTO.getFmt(), accountTransferDTO.getTransactionDate(),
                     accountTransferDTO.getTransactionAmount(), accountTransferDTO.getPaymentDetail(),
                     isAccountTransfer, isRegularTransaction, backdatedTxnsAllowedTill, true);
+            applyToRecurringDepositSchedule(toSavingsAccount, deposit);
 
             if (accountTransferDetails == null) {
                 accountTransferDetails = AccountTransferDetails.currentToSavingsTransfer(
@@ -517,7 +532,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             performCurrentDeposit(toCurrentAccount, accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getTransactionDate(),
-                    fromSavingsAccount.productId(), fromSavingsAccount.getId());
+                    fromSavingsAccount.productId(), false, fromSavingsAccount.getId());
 
             if (accountTransferDetails == null) {
                 accountTransferDetails = AccountTransferDetails.savingsToCurrentTransfer(
@@ -545,10 +560,10 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
             performCurrentWithdrawal(fromCurrentAccount, accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getTransactionDate(),
-                    toCurrentAccount.getProductId(), toCurrentAccount.getId());
+                    toCurrentAccount.getProductId(), true, toCurrentAccount.getId());
             performCurrentDeposit(toCurrentAccount, accountTransferDTO.getTransactionAmount(),
                     accountTransferDTO.getTransactionDate(),
-                    fromCurrentAccount.getProductId(), fromCurrentAccount.getId());
+                    fromCurrentAccount.getProductId(), true, fromCurrentAccount.getId());
 
             if (accountTransferDetails == null) {
                 accountTransferDetails = AccountTransferDetails.currentToCurrentTransfer(
@@ -642,6 +657,26 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
         return accountTransferDetails;
     }
 
+    /**
+     * Money transferred into a recurring deposit is an installment payment, exactly like a counter deposit through
+     * DepositAccountDomainServiceJpa#handleRDDeposit. The generic deposit above only credits the balance, so without
+     * this the deposit's schedule kept showing the installment as unpaid and overdue, and its projected maturity
+     * amount never moved - for manual transfers, standing instructions and RD Auto Debit alike. Any other destination
+     * is left untouched.
+     */
+    private void applyToRecurringDepositSchedule(final SavingsAccount toSavingsAccount, final SavingsAccountTransaction deposit) {
+        if (!(toSavingsAccount instanceof RecurringDepositAccount recurringDeposit)) {
+            return;
+        }
+        final boolean isPreMatureClosure = false;
+        recurringDeposit.updateDepositAmount(deposit.getAmount());
+        recurringDeposit.handleScheduleInstallments(deposit);
+        recurringDeposit.updateMaturityDateAndAmount(MathContext.DECIMAL64, isPreMatureClosure,
+                this.configurationDomainService.isSavingsInterestPostingAtCurrentPeriodEnd(),
+                this.configurationDomainService.retrieveFinancialYearBeginningMonth());
+        recurringDeposit.updateOverduePayments(DateUtils.getBusinessLocalDate());
+    }
+
     private boolean isLoanToSavingsAccountTransfer(final PortfolioAccountType fromAccountType, final PortfolioAccountType toAccountType) {
         return fromAccountType.isLoanAccount() && toAccountType.isSavingsAccount();
     }
@@ -681,6 +716,8 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      */
     private CurrentAccountTransaction performCurrentWithdrawalForLoan(final CurrentAccount account, final BigDecimal amount,
             final LocalDate txnDate) {
+        // Money leaving a current account by transfer is refused on a dormant one, as a withdrawal is.
+        kycRestrictionGuard.checkCurrentAccount(account.getId(), KycRestrictionGuard.Operation.TRANSFER);
         final BigDecimal balance = account.getAccountBalanceDerived() != null ? account.getAccountBalanceDerived() : BigDecimal.ZERO;
         final BigDecimal onHold = account.getOnHoldFundsDerived() != null ? account.getOnHoldFundsDerived() : BigDecimal.ZERO;
         final BigDecimal available = balance.subtract(onHold);
@@ -699,10 +736,9 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
         currentAccountRepository.save(account);
         if (account.getProductId() != null && txn.getId() != null) {
             final String currentTxnId = "CA" + txn.getId();
-            accountingProcessorHelper.createCashBasedJournalEntriesAndReversalsForSavings(account.getOffice(),
-                    account.getCurrencyCode(), CashAccountsForSavings.SAVINGS_CONTROL.getValue(),
-                    FinancialActivity.LIABILITY_TRANSFER.getValue(), account.getProductId(), null,
-                    account.getId(), currentTxnId, txnDate, amount, false);
+            accountingProcessorHelper.createCurrentControlToFinancialActivityJournalEntries(account.getOffice(),
+                    account.getCurrencyCode(), account.getProductId(), FinancialActivity.LIABILITY_TRANSFER.getValue(),
+                    account.getId(), currentTxnId, txnDate, amount);
         }
         return txn;
     }
@@ -712,7 +748,9 @@ 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 Long counterpartEntityId) {
+            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;
         final BigDecimal onHold = account.getOnHoldFundsDerived() != null ? account.getOnHoldFundsDerived() : BigDecimal.ZERO;
         final BigDecimal available = balance.subtract(onHold);
@@ -730,7 +768,8 @@ 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, counterpartEntityId);
+        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, true, counterpartProductId, counterpartIsCurrent,
+                counterpartEntityId);
         return txn;
     }
 
@@ -738,7 +777,9 @@ 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 Long counterpartEntityId) {
+            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;
         final CurrentAccountTransaction txn = CurrentAccountTransaction.deposit(account, account.getOffice(), amount, txnDate, null);
         final BigDecimal newBalance = balance.add(amount);
@@ -749,7 +790,8 @@ 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, counterpartEntityId);
+        postCurrentAccountTransferJournalEntries(account, txn, amount, txnDate, false, counterpartProductId, counterpartIsCurrent,
+                counterpartEntityId);
         return txn;
     }
 
@@ -783,7 +825,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
      */
     private void postCurrentAccountTransferJournalEntries(final CurrentAccount account, final CurrentAccountTransaction txn,
             final BigDecimal amount, final LocalDate txnDate, final boolean isWithdrawal,
-            final Long counterpartProductId, final Long counterpartEntityId) {
+            final Long counterpartProductId, final boolean counterpartIsCurrent, final Long counterpartEntityId) {
         if (account.getProductId() == null || txn.getId() == null) {
             return;
         }
@@ -794,17 +836,13 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
         final String currentTxnId = "CA" + txn.getId();
         if (isWithdrawal) {
             // DR: current account GL  CR: counterpart (savings/current) GL
-            accountingProcessorHelper.createDirectTransferJournalEntriesForSavings(
-                    account.getOffice(), account.getCurrencyCode(),
-                    account.getProductId(), account.getId(),
-                    counterpartProductId, 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.createDirectTransferJournalEntriesForSavings(
-                    account.getOffice(), account.getCurrencyCode(),
-                    counterpartProductId, counterpartEntityId,
-                    account.getProductId(), account.getId(),
+            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
+                    counterpartProductId, counterpartIsCurrent, counterpartEntityId, account.getProductId(), true, account.getId(),
                     currentTxnId, txnDate, amount);
         }
     }
@@ -847,6 +885,7 @@ public class AccountTransfersWritePlatformServiceImpl implements AccountTransfer
 
         final SavingsAccountTransaction deposit = this.savingsAccountDomainService.handleDeposit(toSavingsAccount, fmt, transactionDate,
                 transactionAmount, paymentDetail, true, true, backdatedTxnsAllowedTill);
+        applyToRecurringDepositSchedule(toSavingsAccount, deposit);
 
         final AccountTransferDetails accountTransferDetails = this.accountTransferAssembler.assembleLoanToSavingsTransfer(command,
                 fromLoanAccount, toSavingsAccount, deposit, loanRefundTransaction);

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

@@ -1,140 +1,144 @@
-/**
- * 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.account.starter;
-
-import org.apache.fineract.accounting.journalentry.service.AccountingProcessorHelper;
-import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
-import org.apache.fineract.infrastructure.core.config.FineractProperties;
-import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
-import org.apache.fineract.infrastructure.core.service.PaginationHelper;
-import org.apache.fineract.infrastructure.core.service.database.DatabaseSpecificSQLGenerator;
-import org.apache.fineract.infrastructure.security.service.SqlValidator;
-import org.apache.fineract.infrastructure.security.utils.ColumnValidator;
-import org.apache.fineract.organisation.office.service.OfficeReadPlatformService;
-import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountRepository;
-import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransactionRepository;
-import org.apache.fineract.portfolio.account.data.AccountTransfersDataValidator;
-import org.apache.fineract.portfolio.account.data.StandingInstructionDataValidator;
-import org.apache.fineract.portfolio.account.domain.AccountTransferAssembler;
-import org.apache.fineract.portfolio.account.domain.AccountTransferDetailRepository;
-import org.apache.fineract.portfolio.account.domain.AccountTransferRepository;
-import org.apache.fineract.portfolio.account.domain.StandingInstructionAssembler;
-import org.apache.fineract.portfolio.account.domain.StandingInstructionRepository;
-import org.apache.fineract.portfolio.account.mapper.AccountTransfersMapper;
-import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformService;
-import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformService;
-import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformService;
-import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformService;
-import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformService;
-import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformService;
-import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformServiceImpl;
-import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformService;
-import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformServiceImpl;
-import org.apache.fineract.portfolio.client.service.ClientReadPlatformService;
-import org.apache.fineract.portfolio.common.service.DropdownReadPlatformService;
-import org.apache.fineract.portfolio.loanaccount.domain.LoanAccountDomainService;
-import org.apache.fineract.portfolio.loanaccount.service.LoanAssembler;
-import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
-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.springframework.boot.autoconfigure.condition.ConditionalOnMissingBean;
-import org.springframework.context.annotation.Bean;
-import org.springframework.context.annotation.Configuration;
-import org.springframework.jdbc.core.JdbcTemplate;
-
-@Configuration
-public class AccountConfiguration {
-
-    @Bean
-    @ConditionalOnMissingBean(AccountAssociationsReadPlatformService.class)
-    public AccountAssociationsReadPlatformService accountAssociationsReadPlatformService(JdbcTemplate jdbcTemplate) {
-        return new AccountAssociationsReadPlatformServiceImpl(jdbcTemplate);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(AccountTransfersReadPlatformService.class)
-    public AccountTransfersReadPlatformService accountTransfersReadPlatformService(JdbcTemplate jdbcTemplate,
-            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
-            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService, ColumnValidator columnValidator,
-            DatabaseSpecificSQLGenerator sqlGenerator, AccountTransfersMapper accountTransfersMapper, PaginationHelper paginationHelper,
-            SqlValidator sqlValidator) {
-        return new AccountTransfersReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
-                portfolioAccountReadPlatformService, columnValidator, sqlGenerator, accountTransfersMapper, paginationHelper, sqlValidator);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(AccountTransfersWritePlatformService.class)
-    public AccountTransfersWritePlatformService accountTransfersWritePlatformService(
-            AccountTransfersDataValidator accountTransfersDataValidator, AccountTransferAssembler accountTransferAssembler,
-            AccountTransferRepository accountTransferRepository, SavingsAccountAssembler savingsAccountAssembler,
-            SavingsAccountDomainService savingsAccountDomainService, LoanAssembler loanAccountAssembler,
-            LoanAccountDomainService loanAccountDomainService, SavingsAccountWritePlatformService savingsAccountWritePlatformService,
-            AccountTransferDetailRepository accountTransferDetailRepository, LoanReadPlatformService loanReadPlatformService,
-            GSIMRepositoy gsimRepository, ConfigurationDomainService configurationDomainService, ExternalIdFactory externalIdFactory,
-            FineractProperties fineractProperties, CurrentAccountRepository currentAccountRepository,
-            CurrentAccountTransactionRepository currentAccountTransactionRepository,
-            AccountingProcessorHelper accountingProcessorHelper) {
-        return new AccountTransfersWritePlatformServiceImpl(accountTransfersDataValidator, accountTransferAssembler,
-                accountTransferRepository, savingsAccountAssembler, savingsAccountDomainService, loanAccountAssembler,
-                loanAccountDomainService, savingsAccountWritePlatformService, accountTransferDetailRepository, loanReadPlatformService,
-                gsimRepository, configurationDomainService, externalIdFactory, fineractProperties,
-                currentAccountRepository, currentAccountTransactionRepository, accountingProcessorHelper);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(PortfolioAccountReadPlatformService.class)
-    public PortfolioAccountReadPlatformService portfolioAccountReadPlatformService(JdbcTemplate jdbcTemplate,
-            DatabaseSpecificSQLGenerator sqlGenerator) {
-        return new PortfolioAccountReadPlatformServiceImpl(jdbcTemplate, sqlGenerator);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(StandingInstructionHistoryReadPlatformService.class)
-    public StandingInstructionHistoryReadPlatformService standingInstructionHistoryReadPlatformService(JdbcTemplate jdbcTemplate,
-            ColumnValidator columnValidator, DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
-        return new StandingInstructionHistoryReadPlatformServiceImpl(jdbcTemplate, columnValidator, sqlGenerator, paginationHelper);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(StandingInstructionReadPlatformService.class)
-    public StandingInstructionReadPlatformService standingInstructionReadPlatformService(JdbcTemplate jdbcTemplate,
-            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
-            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService,
-            DropdownReadPlatformService dropdownReadPlatformService, ColumnValidator columnValidator,
-            DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
-        return new StandingInstructionReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
-                portfolioAccountReadPlatformService, dropdownReadPlatformService, columnValidator, sqlGenerator, paginationHelper);
-    }
-
-    @Bean
-    @ConditionalOnMissingBean(StandingInstructionWritePlatformService.class)
-    public StandingInstructionWritePlatformService standingInstructionWritePlatformService(
-            StandingInstructionDataValidator standingInstructionDataValidator, StandingInstructionAssembler standingInstructionAssembler,
-            AccountTransferDetailRepository accountTransferDetailRepository, StandingInstructionRepository standingInstructionRepository) {
-        return new StandingInstructionWritePlatformServiceImpl(standingInstructionDataValidator, standingInstructionAssembler,
-                accountTransferDetailRepository, standingInstructionRepository);
-    }
-}
+/**
+ * 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.account.starter;
+
+import org.apache.fineract.accounting.journalentry.service.AccountingProcessorHelper;
+import org.apache.fineract.infrastructure.configuration.domain.ConfigurationDomainService;
+import org.apache.fineract.infrastructure.core.config.FineractProperties;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.infrastructure.core.service.PaginationHelper;
+import org.apache.fineract.infrastructure.core.service.database.DatabaseSpecificSQLGenerator;
+import org.apache.fineract.infrastructure.security.service.SqlValidator;
+import org.apache.fineract.infrastructure.security.utils.ColumnValidator;
+import org.apache.fineract.organisation.office.service.OfficeReadPlatformService;
+import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountRepository;
+import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccountTransactionRepository;
+import org.apache.fineract.portfolio.account.data.AccountTransfersDataValidator;
+import org.apache.fineract.portfolio.account.data.StandingInstructionDataValidator;
+import org.apache.fineract.portfolio.account.domain.AccountTransferAssembler;
+import org.apache.fineract.portfolio.account.domain.AccountTransferDetailRepository;
+import org.apache.fineract.portfolio.account.domain.AccountTransferRepository;
+import org.apache.fineract.portfolio.account.domain.StandingInstructionAssembler;
+import org.apache.fineract.portfolio.account.domain.StandingInstructionRepository;
+import org.apache.fineract.portfolio.account.mapper.AccountTransfersMapper;
+import org.apache.fineract.portfolio.client.service.KycRestrictionGuard;
+import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformService;
+import org.apache.fineract.portfolio.account.service.AccountAssociationsReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformService;
+import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformService;
+import org.apache.fineract.portfolio.account.service.AccountTransfersWritePlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformService;
+import org.apache.fineract.portfolio.account.service.PortfolioAccountReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformService;
+import org.apache.fineract.portfolio.account.service.StandingInstructionHistoryReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformService;
+import org.apache.fineract.portfolio.account.service.StandingInstructionReadPlatformServiceImpl;
+import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformService;
+import org.apache.fineract.portfolio.account.service.StandingInstructionWritePlatformServiceImpl;
+import org.apache.fineract.portfolio.client.service.ClientReadPlatformService;
+import org.apache.fineract.portfolio.common.service.DropdownReadPlatformService;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanAccountDomainService;
+import org.apache.fineract.portfolio.loanaccount.service.LoanAssembler;
+import org.apache.fineract.portfolio.loanaccount.service.LoanReadPlatformService;
+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;
+import org.springframework.jdbc.core.JdbcTemplate;
+
+@Configuration
+public class AccountConfiguration {
+
+    @Bean
+    @ConditionalOnMissingBean(AccountAssociationsReadPlatformService.class)
+    public AccountAssociationsReadPlatformService accountAssociationsReadPlatformService(JdbcTemplate jdbcTemplate) {
+        return new AccountAssociationsReadPlatformServiceImpl(jdbcTemplate);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(AccountTransfersReadPlatformService.class)
+    public AccountTransfersReadPlatformService accountTransfersReadPlatformService(JdbcTemplate jdbcTemplate,
+            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
+            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService, ColumnValidator columnValidator,
+            DatabaseSpecificSQLGenerator sqlGenerator, AccountTransfersMapper accountTransfersMapper, PaginationHelper paginationHelper,
+            SqlValidator sqlValidator) {
+        return new AccountTransfersReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
+                portfolioAccountReadPlatformService, columnValidator, sqlGenerator, accountTransfersMapper, paginationHelper, sqlValidator);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(AccountTransfersWritePlatformService.class)
+    public AccountTransfersWritePlatformService accountTransfersWritePlatformService(
+            AccountTransfersDataValidator accountTransfersDataValidator, AccountTransferAssembler accountTransferAssembler,
+            AccountTransferRepository accountTransferRepository, SavingsAccountAssembler savingsAccountAssembler,
+            SavingsAccountDomainService savingsAccountDomainService, LoanAssembler loanAccountAssembler,
+            LoanAccountDomainService loanAccountDomainService, SavingsAccountWritePlatformService savingsAccountWritePlatformService,
+            AccountTransferDetailRepository accountTransferDetailRepository, LoanReadPlatformService loanReadPlatformService,
+            GSIMRepositoy gsimRepository, ConfigurationDomainService configurationDomainService, ExternalIdFactory externalIdFactory,
+            FineractProperties fineractProperties, CurrentAccountRepository currentAccountRepository,
+            CurrentAccountTransactionRepository currentAccountTransactionRepository,
+            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,
+                savingsInterestTdsService);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(PortfolioAccountReadPlatformService.class)
+    public PortfolioAccountReadPlatformService portfolioAccountReadPlatformService(JdbcTemplate jdbcTemplate,
+            DatabaseSpecificSQLGenerator sqlGenerator) {
+        return new PortfolioAccountReadPlatformServiceImpl(jdbcTemplate, sqlGenerator);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(StandingInstructionHistoryReadPlatformService.class)
+    public StandingInstructionHistoryReadPlatformService standingInstructionHistoryReadPlatformService(JdbcTemplate jdbcTemplate,
+            ColumnValidator columnValidator, DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
+        return new StandingInstructionHistoryReadPlatformServiceImpl(jdbcTemplate, columnValidator, sqlGenerator, paginationHelper);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(StandingInstructionReadPlatformService.class)
+    public StandingInstructionReadPlatformService standingInstructionReadPlatformService(JdbcTemplate jdbcTemplate,
+            ClientReadPlatformService clientReadPlatformService, OfficeReadPlatformService officeReadPlatformService,
+            PortfolioAccountReadPlatformService portfolioAccountReadPlatformService,
+            DropdownReadPlatformService dropdownReadPlatformService, ColumnValidator columnValidator,
+            DatabaseSpecificSQLGenerator sqlGenerator, PaginationHelper paginationHelper) {
+        return new StandingInstructionReadPlatformServiceImpl(jdbcTemplate, clientReadPlatformService, officeReadPlatformService,
+                portfolioAccountReadPlatformService, dropdownReadPlatformService, columnValidator, sqlGenerator, paginationHelper);
+    }
+
+    @Bean
+    @ConditionalOnMissingBean(StandingInstructionWritePlatformService.class)
+    public StandingInstructionWritePlatformService standingInstructionWritePlatformService(
+            StandingInstructionDataValidator standingInstructionDataValidator, StandingInstructionAssembler standingInstructionAssembler,
+            AccountTransferDetailRepository accountTransferDetailRepository, StandingInstructionRepository standingInstructionRepository) {
+        return new StandingInstructionWritePlatformServiceImpl(standingInstructionDataValidator, standingInstructionAssembler,
+                accountTransferDetailRepository, standingInstructionRepository);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/aml/service/JournalEntryReferralServiceImpl.java

@@ -68,6 +68,15 @@ public class JournalEntryReferralServiceImpl implements JournalEntryReferralServ
      * The transaction-id columns are kept as a fallback for entries that carry one but no entity. A purely manual GL
      * posting reaches none of these and comes back with a null clientId, which is what makes it unreferrable.
      */
+    // m_savings_account and m_current_account each keep their own identity sequence, so the same
+    // entity_id can be a real row in both -- entity_type_enum=2 (PortfolioProductType.SAVING) used to
+    // be written for both savings and current-account entries alike, so esa/eca could both match the
+    // same id and a plain COALESCE(esa.client_id, eca.client_id) would attribute an alert to whichever
+    // client happened to hold the same-numbered account on the OTHER ledger -- exactly the kind of
+    // misattribution an AML referral cannot afford. entity_type_enum=6 (PortfolioProductType.CURRENT)
+    // is what newer write paths tag current-account entries with instead, unambiguously; for older
+    // entries still tagged 2, savings_transaction_id is the one reliable signal (only a genuine
+    // savings transaction sets it), checked before the ambiguous current/savings guess.
     private static final String RESOLVE_SQL = """
             SELECT je.amount                  AS amount,
                    je.currency_code           AS currencyCode,
@@ -75,8 +84,9 @@ public class JournalEntryReferralServiceImpl implements JournalEntryReferralServ
                    je.loan_transaction_id     AS loanTxnId,
                    je.entity_type_enum        AS entityType,
                    COALESCE(
-                       esa.client_id,
-                       eca.client_id,
+                       CASE WHEN je.entity_type_enum = 2 AND je.savings_transaction_id IS NOT NULL THEN sa.client_id END,
+                       CASE WHEN je.entity_type_enum = 6 THEN eca.client_id END,
+                       CASE WHEN je.entity_type_enum = 2 THEN COALESCE(eca.client_id, esa.client_id) END,
                        eloan.client_id,
                        CASE WHEN je.entity_type_enum = 5 THEN je.entity_id END,
                        sa.client_id,
@@ -85,7 +95,7 @@ public class JournalEntryReferralServiceImpl implements JournalEntryReferralServ
                    ) AS clientId
             FROM acc_gl_journal_entry je
             LEFT JOIN m_savings_account esa             ON esa.id = je.entity_id AND je.entity_type_enum = 2
-            LEFT JOIN m_current_account eca             ON eca.id = je.entity_id AND je.entity_type_enum = 2
+            LEFT JOIN m_current_account eca             ON eca.id = je.entity_id AND je.entity_type_enum IN (2, 6)
             LEFT JOIN m_loan eloan                      ON eloan.id = je.entity_id AND je.entity_type_enum = 1
             LEFT JOIN m_savings_account_transaction sat ON sat.id = je.savings_transaction_id
             LEFT JOIN m_savings_account sa              ON sa.id = sat.savings_account_id

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

@@ -46,6 +46,10 @@ 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.portfolio.savings.fdinterest.FixedDepositInterestPostingOrchestrator;
+import org.apache.fineract.portfolio.savings.fdinterest.FixedDepositInterestPostingReportService;
 import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Component;
@@ -69,10 +73,28 @@ 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 FixedDepositInterestPostingReportService fdInterestPostingReportService;
+    private final FixedDepositInterestPostingOrchestrator fdInterestPostingOrchestrator;
     private final Gson gson = new Gson();
 
     // ── GET /v1/branchday ── the register itself ──────────────────────────────
@@ -104,11 +126,26 @@ 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 +158,7 @@ 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 +228,8 @@ 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
@@ -200,28 +237,30 @@ public class BranchDayRegisterApiResource {
         final BigDecimal countedIn = zero(jdbcTemplate.queryForObject("""
                 SELECT COALESCE(SUM(std.total_amount), 0) FROM m_savings_txn_denomination std
                  WHERE std.txn_date = ? AND std.txn_type = 'DEPOSIT'
-                   AND """ + CountedCashLedger.REAL_TXN_ID + """
-                   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 """ + CountedCashLedger.COUNTED_ROW + """
+                   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.REAL_TXN_ID + """
-                   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 """ + CountedCashLedger.COUNTED_ROW + """
+                   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);
 
+        // What will stop this close, so the screen can say so before the button is pressed rather than
+        // after. The same lists closeDay() refuses on, read-only here.
+        result.put("savingsInterestPending", interestPostingReportService.reportsBlockingDayClose(officeId, businessDate));
+        // One call for the deposits: what is blocking, and the products and amounts behind it, so the
+        // branch sees what it is being asked to approve without leaving the close screen. Pricing a
+        // branch's deposits is the expensive part and is done once.
+        final Map<String, Object> fdInterest = fdInterestPostingReportService.dayCloseInterestView(officeId, businessDate);
+        result.put("fdInterestPending", fdInterest.get("pending"));
+        result.put("fdInterestDue", fdInterest.get("due"));
+
         return gson.toJson(result);
     }
 
@@ -243,7 +282,7 @@ 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 +476,7 @@ 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 +628,43 @@ 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.");
+        }
+
+        // ── And its fixed deposit interest reports, on the same grounds ──
+        // Only while deposits are on the approval path at all; with that switched off the posting job
+        // pays them directly and there is nothing here to approve.
+        final List<String> fdInterestPending = fdInterestPostingReportService.reportsBlockingDayClose(officeId, businessDate);
+        if (!fdInterestPending.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.branchday.fd.interest.report.pending",
+                    "Cannot close the day — this branch's fixed deposit interest posting report is not approved for: "
+                            + String.join(", ", fdInterestPending)
+                            + ". Approve it under Reports → FD 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 +763,45 @@ 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.");
+            }
+        }
+
+        // ── And the branch's approved fixed deposit interest, the same way ──
+        // Separate from the savings run so a deposit product with a GL problem cannot stop savings
+        // interest that has already posted cleanly, and so the refusal names which of the two failed.
+        final List<Long> fdToPost = new ArrayList<>(fdInterestPostingReportService.approvedReportIds(officeId, businessDate));
+        if (isHeadOffice) {
+            fdToPost.addAll(fdInterestPostingReportService.approvedReportIdsOfBranchesNotOpened(businessDate, officeId));
+        }
+        if (!fdToPost.isEmpty()) {
+            log.info("Day close {}: office {} posting {} approved FD interest report(s)", businessDate, officeId, fdToPost.size());
+            final List<String> fdFailures = fdInterestPostingOrchestrator.postReports(fdToPost);
+            if (!fdFailures.isEmpty()) {
+                throw new PlatformDataIntegrityException("error.msg.branchday.fd.interest.posting.failed",
+                        "Cannot close the day — fixed deposit interest could not be posted: " + String.join("; ", fdFailures)
+                                + ". 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
@@ -716,11 +831,13 @@ public class BranchDayRegisterApiResource {
         final Long registerId = ((Number) found.get(0).get("id")).longValue();
         saveDenominationDetail(registerId, "CLOSING", denominations);
         snapshotVaultDenominations(officeId, registerId, businessDate);
+        final int depositsClosed = closeMaturedZeroBalanceRecurringDeposits(officeId, businessDate, currentUser);
 
         final Map<String, Object> res = new LinkedHashMap<>();
         res.put("officeId", officeId);
         res.put("businessDate", businessDate.toString());
         res.put("status", "CLOSED");
+        res.put("zeroBalanceDepositsClosed", depositsClosed);
         res.put("closingCash", closingCash);
         res.put("bookCash", bookCash);
         res.put("cashDifference", difference);
@@ -728,6 +845,38 @@ public class BranchDayRegisterApiResource {
         return gson.toJson(res);
     }
 
+    /**
+     * "Account Closed with Zero balance in Day Closing" on a recurring deposit product: at the branch's day close, each
+     * of its recurring deposits that has MATURED with nothing left in it - no balance, and no loan holding a lien on it
+     * - is marked Closed on that business date, so it no longer waits in the matured list.
+     *
+     * Only matured deposits: a running deposit sits at zero between opening and its first installment, and must never
+     * be closed for that. Nothing is paid out (there is nothing to pay), so no transaction or journal entry is made.
+     *
+     * @return how many deposits were closed
+     */
+    private int closeMaturedZeroBalanceRecurringDeposits(final Long officeId, final LocalDate businessDate, final AppUser currentUser) {
+        final int closed = jdbcTemplate.update("""
+                UPDATE m_savings_account sa
+                   SET status_enum = 600, closedon_date = ?, closedon_userid = ?
+                  FROM m_savings_product sp, m_client c
+                 WHERE sp.id = sa.product_id AND c.id = sa.client_id AND c.office_id = ?
+                   AND sa.deposit_type_enum = 300 AND sa.status_enum = 800
+                   AND COALESCE(sp.account_closed_zero_balance_in_day_closing, false) = true
+                   AND COALESCE(sa.account_balance_derived, 0) = 0
+                   AND NOT EXISTS (SELECT 1 FROM m_portfolio_account_associations paa
+                                     JOIN m_guarantor_funding_details gfd ON gfd.account_associations_id = paa.id
+                                     JOIN m_loan l ON l.id = paa.loan_account_id
+                                    WHERE paa.linked_savings_account_id = sa.id AND gfd.status_enum = 100
+                                      AND l.loan_status_id IN (100, 200, 300)
+                                      AND COALESCE(gfd.amount_remaining_derived, gfd.amount) > 0)
+                """, Date.valueOf(businessDate), currentUser.getId(), officeId);
+        if (closed > 0) {
+            log.info("Day close {}: office {} closed {} matured recurring deposit(s) with zero balance", businessDate, officeId, closed);
+        }
+        return closed;
+    }
+
     // ── GET /v1/branchday/denominations ── the note/coin breakdown behind a day's lump sum ────
 
     /**
@@ -743,7 +892,7 @@ 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 +1153,9 @@ 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 +1209,13 @@ 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
@@ -192,7 +192,7 @@ public class CashierDepositRequestApiResource {
         // reject() will delete these records so the vault position is reversed.
         if (denominationData != null && !denominationData.isBlank()) {
             savePendingDenomination(denominationData, newId, savingsAccountId, accountNo, clientId,
-                currentUser.getId(), currentUser.getUsername(), paymentTypeName);
+                currentUser.getId(), currentUser.getUsername(), paymentTypeName, txnDate);
         }
 
         return gson.toJson(Map.of("resourceId", newId, "status", "PENDING", "voucherNo", voucherNo));
@@ -364,6 +364,17 @@ public class CashierDepositRequestApiResource {
             updatedLog, Timestamp.from(Instant.now()), id
         );
 
+        // Rejection deleted this request's notes (the cash went back to the customer). Resubmitting
+        // means the cashier took the cash again, so the notes are recorded again -- without this an
+        // approved resubmission credited the account while the drawer never received its notes.
+        // Cleared first so a resubmit can never leave the old breakdown alongside the new one.
+        jdbcTemplate.update("DELETE FROM m_savings_txn_denomination WHERE txn_id = ?", id + PENDING_DEPOSIT_TXN_ID_OFFSET);
+        if (denominationData != null && !denominationData.isBlank()) {
+            savePendingDenomination(denominationData, id, toLong(record.get("savings_account_id")),
+                (String) record.get("account_no"), toLong(record.get("client_id")),
+                currentUser.getId(), currentUser.getUsername(), paymentTypeName, txnDate);
+        }
+
         // Keep the central voucher register in sync with the edited amount
         voucherService.updateAmount(VoucherService.REF_CASHIER_DEPOSIT_REQUEST, id, amount);
 
@@ -418,13 +429,26 @@ public class CashierDepositRequestApiResource {
             txnId = executeGlJournalEntry(glAccountId, contraGlId, glOfficeId, currencyCode,
                 amount, ptId, txnDateStr, description, true);
         } else {
-            // Determine real account type by checking which table owns this ID.
+            // Determine real account type by checking which table/column owns this ID.
             // Do NOT rely solely on the stored account_type field — old records may have 'SAVINGS'
-            // even for current accounts (submitted before the frontend fix).
-            final boolean isCurrentAccount = isCurrentAccountById(savingsAccountId);
-            txnId = isCurrentAccount
-                ? executeCurrentAccountDeposit(savingsAccountId, amount, ptId, txnDateStr, description)
-                : executeSavingsDeposit(savingsAccountId, amount, ptId, txnDateStr, description);
+            // even for current accounts (submitted before the frontend fix), and FD/RD accounts share
+            // the very same m_savings_account table as a plain savings account, distinguished only by
+            // deposit_type_enum -- so this is looked up fresh rather than trusted from the request.
+            // The account_no is also checked -- m_current_account and m_savings_account each keep
+            // their own identity sequence, so the same numeric id can legitimately belong to a
+            // current account AND an unrelated savings account at once. An id match alone once sent
+            // a real deposit into a stranger's current account instead of the savings account the
+            // request actually named; account_no is the one value that can't collide between them.
+            final String requestAccountNo = (String) record.get("account_no");
+            final String depositCategory = resolveDepositAccountCategory(savingsAccountId, requestAccountNo);
+            final boolean isCurrentAccount = "CURRENT".equals(depositCategory);
+            txnId = switch (depositCategory) {
+                case "CURRENT" -> executeCurrentAccountDeposit(savingsAccountId, amount, ptId, txnDateStr, description);
+                case "FIXED_DEPOSIT" -> executeFixedDepositDeposit(savingsAccountId, amount, ptId, txnDateStr, description);
+                case "RECURRING_DEPOSIT" ->
+                    executeRecurringDepositDeposit(savingsAccountId, amount, ptId, txnDateStr, description);
+                default -> executeSavingsDeposit(savingsAccountId, amount, ptId, txnDateStr, description);
+            };
             if (!isCurrentAccount && txnId != null) {
                 // approve() is one @Transactional block, so an uncaught exception here would roll back
                 // the deposit that was just posted along with it -- every Cheque/DD approval that ever
@@ -571,7 +595,8 @@ public class CashierDepositRequestApiResource {
         final String txnDateStr = txnDateObj != null ? Iterables.get(Splitter.on(' ').split(txnDateObj.toString()), 0) : null;
         final String description = (String) record.get("description");
 
-        if (savingsAccountId == null || !isCurrentAccountById(savingsAccountId)) {
+        final String requestAccountNo = (String) record.get("account_no");
+        if (savingsAccountId == null || !isCurrentAccountById(savingsAccountId, requestAccountNo)) {
             throw apiError(400, "This account is not a current account. Reprocess is only needed for current account deposits.");
         }
 
@@ -666,6 +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,
@@ -688,7 +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();
@@ -718,6 +757,64 @@ public class CashierDepositRequestApiResource {
         return result.getResourceId() != null ? result.getResourceId().toString() : null;
     }
 
+    private String executeFixedDepositDeposit(
+            final Long accountId, final BigDecimal amount,
+            final Object paymentTypeId, final String txnDateStr, final String note) {
+
+        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();
+        payload.addProperty("locale", "en");
+        payload.addProperty("dateFormat", "dd MMMM yyyy");
+        payload.addProperty("transactionDate", date);
+        payload.addProperty("transactionAmount", amount);
+        if (paymentTypeId != null) {
+            payload.addProperty("paymentTypeId", ((Number) paymentTypeId).longValue());
+        }
+        if (note != null && !note.isBlank()) {
+            payload.addProperty("note", note);
+        }
+
+        final CommandWrapper commandRequest = new CommandWrapperBuilder()
+            .fixedDepositAccountDeposit(accountId)
+            .withJson(payload.toString())
+            .build();
+
+        final CommandProcessingResult result = voucherService
+            .withOwnVoucher(() -> commandsSourceWritePlatformService.logCommandSource(commandRequest));
+        return result.getResourceId() != null ? result.getResourceId().toString() : null;
+    }
+
+    private String executeRecurringDepositDeposit(
+            final Long accountId, final BigDecimal amount,
+            final Object paymentTypeId, final String txnDateStr, final String note) {
+
+        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();
+        payload.addProperty("locale", "en");
+        payload.addProperty("dateFormat", "dd MMMM yyyy");
+        payload.addProperty("transactionDate", date);
+        payload.addProperty("transactionAmount", amount);
+        if (paymentTypeId != null) {
+            payload.addProperty("paymentTypeId", ((Number) paymentTypeId).longValue());
+        }
+        if (note != null && !note.isBlank()) {
+            payload.addProperty("note", note);
+        }
+
+        final CommandWrapper commandRequest = new CommandWrapperBuilder()
+            .recurringAccountDeposit(accountId)
+            .withJson(payload.toString())
+            .build();
+
+        final CommandProcessingResult result = voucherService
+            .withOwnVoucher(() -> commandsSourceWritePlatformService.logCommandSource(commandRequest));
+        return result.getResourceId() != null ? result.getResourceId().toString() : null;
+    }
+
     /**
      * A Cheque/DD deposit is credited to the ledger immediately (same as cash) but is not really the
      * branch's own money yet -- it still has to clear. Real-world CBS practice is to hold that amount
@@ -747,7 +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();
@@ -770,7 +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();
@@ -798,17 +895,65 @@ public class CashierDepositRequestApiResource {
         return result.getResourceId() != null ? result.getResourceId().toString() : null;
     }
 
-    /** Returns true if this account ID belongs to m_current_account (not m_savings_account). */
-    private boolean isCurrentAccountById(final Long accountId) {
+    /**
+     * Returns true if this account ID belongs to m_current_account (not m_savings_account).
+     *
+     * m_current_account and m_savings_account each keep their own identity sequence, so id=1 (say)
+     * can be a real row in BOTH tables at once — two completely unrelated accounts, possibly two
+     * different clients, sharing nothing but a coincidental number. An id-only check here once sent
+     * a savings deposit into a stranger's current account: id=1 existed in m_current_account, so
+     * this returned true, even though the request was for m_savings_account id=1.
+     *
+     * expectedAccountNo — the account_no the caller actually meant — closes that gap: an id match is
+     * only trusted once the account_no on that current-account row confirms it is truly the same
+     * account, not a same-numbered stranger. Pass null to skip the check (only safe where the caller
+     * has no account_no to compare against, e.g. an id already known to be unambiguous).
+     */
+    private boolean isCurrentAccountById(final Long accountId, final String expectedAccountNo) {
         try {
+            if (expectedAccountNo == null || expectedAccountNo.isBlank()) {
+                final Integer count = jdbcTemplate.queryForObject(
+                    "SELECT COUNT(*) FROM m_current_account WHERE id = ?", Integer.class, accountId);
+                return count != null && count > 0;
+            }
             final Integer count = jdbcTemplate.queryForObject(
-                "SELECT COUNT(*) FROM m_current_account WHERE id = ?", Integer.class, accountId);
+                "SELECT COUNT(*) FROM m_current_account WHERE id = ? AND account_no = ?",
+                Integer.class, accountId, expectedAccountNo);
             return count != null && count > 0;
         } catch (Exception e) {
             return false;
         }
     }
 
+    /**
+     * "CURRENT", "FIXED_DEPOSIT", "RECURRING_DEPOSIT" or "SAVINGS" — checked against the database
+     * rather than the request's own account_type string. FD and RD accounts live in the same
+     * m_savings_account table as a plain savings account (deposit_type_enum 200/300 vs 100), so a
+     * plain "not current → savings" check would post an FD/RD deposit through the generic savings
+     * deposit command, which does not accept a term-deposit account id.
+     *
+     * expectedAccountNo guards the current-account check against an id collision with
+     * m_savings_account — see {@link #isCurrentAccountById}.
+     */
+    private String resolveDepositAccountCategory(final Long accountId, final String expectedAccountNo) {
+        if (accountId == null) {
+            return "SAVINGS";
+        }
+        if (isCurrentAccountById(accountId, expectedAccountNo)) {
+            return "CURRENT";
+        }
+        final List<Integer> depositTypes = jdbcTemplate.queryForList(
+            "SELECT deposit_type_enum FROM m_savings_account WHERE id = ?", Integer.class, accountId);
+        final Integer depositType = depositTypes.isEmpty() ? null : depositTypes.get(0);
+        if (Integer.valueOf(200).equals(depositType)) {
+            return "FIXED_DEPOSIT";
+        }
+        if (Integer.valueOf(300).equals(depositType)) {
+            return "RECURRING_DEPOSIT";
+        }
+        return "SAVINGS";
+    }
+
     // Parses a Fineract transaction id string to Long.
     // Savings/current txn ids are decimal; GL journal entry ids are hex strings.
     private Long parseTxnIdToLong(final String txnId) {
@@ -831,7 +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)
@@ -884,9 +1029,14 @@ public class CashierDepositRequestApiResource {
      */
     // Called at submit time — uses request id as temporary txn_id.
     // approve() updates txn_id to real Fineract id; reject() deletes these records.
+    private static Long toLong(final Object value) {
+        return value instanceof Number n ? n.longValue() : null;
+    }
+
     private void savePendingDenomination(final String denominationData,
             final Long requestId, final Long savingsAccountId, final String accountNo,
-            final Long clientId, final Long cashierId, final String cashierUsername, final String paymentTypeName) {
+            final Long clientId, final Long cashierId, final String cashierUsername, final String paymentTypeName,
+            final String txnDate) {
         final JsonObject denomMap;
         try {
             denomMap = gson.fromJson(denominationData, JsonObject.class);
@@ -917,10 +1067,15 @@ public class CashierDepositRequestApiResource {
                 INSERT INTO m_savings_txn_denomination
                 (txn_id, savings_account_id, account_no, client_id, denomination_id,
                  denomination_value, count, total_amount, txn_date, txn_type, officer_id, officer_username, payment_type)
-                VALUES (?, ?, ?, ?, ?, ?, ?, ?, CURRENT_DATE, 'DEPOSIT', ?, ?, ?)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, COALESCE(CAST(? AS DATE), CURRENT_DATE), 'DEPOSIT', ?, ?, ?)
                 """,
                 requestId + PENDING_DEPOSIT_TXN_ID_OFFSET, savingsAccountId, accountNo, clientId, denomId,
                 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. 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
             );
         }
@@ -1025,7 +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

@@ -90,10 +90,10 @@ public class CashReconciliationApiResource {
                 + "LEFT JOIN m_denomination_master dm ON dm.id = std.denomination_id "
                 + "WHERE std.txn_type = 'DEPOSIT' "
                 + "AND std.txn_date <= CAST(? AS DATE) "
-                + "AND " + CountedCashLedger.REAL_TXN_ID
+                + "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
@@ -120,10 +120,10 @@ public class CashReconciliationApiResource {
                 + "LEFT JOIN m_denomination_master dm ON dm.id = std.denomination_id "
                 + "WHERE std.txn_type = 'WITHDRAWAL' "
                 + "AND std.txn_date <= CAST(? AS DATE) "
-                + "AND " + CountedCashLedger.REAL_TXN_ID
+                + "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

@@ -60,34 +60,11 @@ public class CashReportApiResource {
      * </ul>
      *
      * <p>
-     * Which ids are real and which are stamped timestamps is {@link CountedCashLedger}'s rule, shared
-     * with the day register, the reconciliation screen and the withdrawal stock check, so a drawer
-     * reads the same on all four.
+     * The rule itself, including the mis-keyed-breakdown test, is {@link CountedCashLedger#COUNTED_ROW},
+     * shared with the day register, the reconciliation screen and the withdrawal stock check, so a
+     * drawer reads the same on all four.
      */
-    private static final String COUNTER_NOT_REVERSED = "AND NOT EXISTS ("
-            + "  SELECT 1 FROM m_savings_account_transaction rt "
-            + "   WHERE rt.id = std.txn_id AND rt.is_reversed = true) "
-            + "AND " + CountedCashLedger.REAL_TXN_ID
-            // A breakdown has to add up to the transaction it belongs to. Where it does not, the
-            // notes were mis-keyed and the transaction amount is the fact -- ₹1,60,000 of notes
-            // recorded against a ₹918 deposit is not ₹1,60,000 of cash in anybody's drawer. Seven
-            // such transactions in this database were carrying ₹1.68 lakh that never existed.
-            //
-            // The tolerance is sub-rupee, not exact: Indian cash has no paisa coins in circulation,
-            // so a paisa-exact ledger amount (e.g. 12998.56) is legitimately handed over as the
-            // nearest whole rupee (12999) -- a 44-paisa gap is real rounding, not a mis-keyed
-            // breakdown, and treating it as one silently dropped an entire genuine withdrawal (and
-            // everything counted after it) out of the cashier's position.
-            //
-            // Compared per transaction inside a correlated subquery rather than as a join, so a
-            // breakdown with no transaction behind it -- a Demand Draft keyed by its request id, or a
-            // manual GL entry keyed by its decoded reference -- is untouched by this test and left to
-            // CountedCashLedger's rule above.
-            + "AND NOT EXISTS ("
-            + "  SELECT 1 FROM m_savings_account_transaction mt "
-            + "   WHERE mt.id = std.txn_id"
-            + "     AND ABS(mt.amount - (SELECT SUM(sd.count * sd.denomination_value)"
-            + "                            FROM m_savings_txn_denomination sd WHERE sd.txn_id = std.txn_id)) >= 1) ";
+    private static final String COUNTER_NOT_REVERSED = "AND " + CountedCashLedger.COUNTED_ROW;
 
     /**
      * Day book — every voucher raised on one date, in one list, newest first.
@@ -106,7 +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<>();
 
@@ -493,7 +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.
@@ -694,25 +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",
@@ -744,7 +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 = ? " : "";
 
@@ -961,7 +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 "
@@ -1024,7 +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();
@@ -1055,7 +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();
@@ -1093,7 +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);
@@ -1115,7 +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);
@@ -1194,7 +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
@@ -1220,7 +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)
@@ -1327,7 +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;
 
@@ -1338,13 +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/chequebook/service/ChequeBookIssuanceChargeService.java

@@ -40,6 +40,7 @@ import org.apache.fineract.portfolio.voucher.service.VoucherLine;
 import org.apache.fineract.portfolio.voucher.service.VoucherService;
 import org.apache.fineract.organisation.monetary.domain.Money;
 import org.apache.fineract.organisation.office.domain.Office;
+import org.apache.fineract.portfolio.PortfolioProductType;
 import org.apache.fineract.portfolio.charge.domain.Charge;
 import org.apache.fineract.portfolio.chequebook.domain.ChequeAccountType;
 import org.apache.fineract.portfolio.currentaccount.domain.CurrentAccount;
@@ -252,7 +253,7 @@ public class ChequeBookIssuanceChargeService {
         }
 
         postChargeJournalEntry(office.getId(), charge.getCurrencyCode(), today, ownAccountGlId, incomeGlId, chargeAmount, chequeBookId,
-                accountId);
+                accountId, accountType);
         raiseChargeVoucher(accountType, accountId, ownAccountGlId, incomeGlId, chargeAmount, chequeBookId);
         log.info("Deducted cheque book issuance charge {} from {} account {} for book {}", chargeAmount, accountType, accountId,
                 chequeBookId);
@@ -340,13 +341,14 @@ public class ChequeBookIssuanceChargeService {
     private Long getCurrentControlGlId(final Long currentAccountId) {
         final List<Map<String, Object>> rows = this.jdbcTemplate.queryForList("SELECT apm.gl_account_id FROM m_current_account ca "
                 + "JOIN acc_product_mapping apm ON apm.product_id = ca.product_id "
-                + "WHERE ca.id = ? AND apm.product_type = 2 AND apm.financial_account_type = 2 LIMIT 1", currentAccountId);
+                + "WHERE ca.id = ? AND apm.product_type = 6 AND apm.financial_account_type = 2 LIMIT 1", currentAccountId);
         return rows.isEmpty() ? null : ((Number) rows.get(0).get("gl_account_id")).longValue();
     }
 
     /** DR the account's own control GL (liability down), CR the charge's income GL (fee income). */
     private void postChargeJournalEntry(final Long officeId, final String currencyCode, final LocalDate txnDate, final Long debitGlId,
-            final Long creditGlId, final BigDecimal amount, final Long chequeBookId, final Long accountId) {
+            final Long creditGlId, final BigDecimal amount, final Long chequeBookId, final Long accountId,
+            final ChequeAccountType accountType) {
         final JsonArray debitArr = new JsonArray();
         final JsonObject debit = new JsonObject();
         debit.addProperty("glAccountId", debitGlId);
@@ -383,12 +385,21 @@ public class ChequeBookIssuanceChargeService {
         // link it back to the customer's account, same as ClerkDisbursementRequestApiResource's direct debits do.
         final String glTxnId = result.getTransactionId();
         if (glTxnId != null) {
-            linkDebitEntryToAccount(glTxnId, accountId);
+            linkDebitEntryToAccount(glTxnId, accountId, accountType);
         }
     }
 
-    /** Links the DEBIT row (type_enum=2) of this journal transaction to the customer's account so it shows an Account No. */
-    private void linkDebitEntryToAccount(final String glTxnId, final Long accountId) {
+    /**
+     * Links the DEBIT row (type_enum=2) of this journal transaction to the customer's account so it shows an
+     * Account No.
+     *
+     * m_current_account and m_savings_account each keep their own identity sequence, so the same numeric id can
+     * be a real row in both -- tagging every entry entity_type_enum=2 (PortfolioProductType.SAVING) regardless of
+     * accountType made the Journal Entries screen resolve a current account's charge to a same-numbered savings
+     * account instead (or vice versa). entity_type_enum=6 (PortfolioProductType.CURRENT) is the one that actually
+     * means "this id is in m_current_account" -- use it whenever accountType says so.
+     */
+    private void linkDebitEntryToAccount(final String glTxnId, final Long accountId, final ChequeAccountType accountType) {
         // ORDER BY id DESC: prefer the most recently posted row for this transaction_id text, in
         // case the id is ever reused (e.g. after a sequence reset) rather than latching onto a
         // stale, unrelated journal entry.
@@ -397,8 +408,11 @@ public class ChequeBookIssuanceChargeService {
                 + " ORDER BY id DESC LIMIT 1", Long.class,
                 glTxnId);
         if (!rowIds.isEmpty()) {
-            this.jdbcTemplate.update("UPDATE acc_gl_journal_entry SET entity_type_enum = 2, entity_id = ? WHERE id = ?", accountId,
-                    rowIds.get(0));
+            final int entityType = accountType == ChequeAccountType.CURRENT
+                    ? PortfolioProductType.CURRENT.getValue()
+                    : PortfolioProductType.SAVING.getValue();
+            this.jdbcTemplate.update("UPDATE acc_gl_journal_entry SET entity_type_enum = ?, entity_id = ? WHERE id = ?", entityType,
+                    accountId, rowIds.get(0));
         }
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/clearing/service/ClearingGlAccountResolverService.java

@@ -50,7 +50,7 @@ public class ClearingGlAccountResolverService {
         if ("CURRENT".equalsIgnoreCase(accountType)) {
             return querySingleLong("SELECT apm.gl_account_id FROM m_current_account ca "
                     + "JOIN acc_product_mapping apm ON apm.product_id = ca.product_id "
-                    + "WHERE ca.id = ? AND apm.product_type = 2 AND apm.financial_account_type = 2 LIMIT 1", accountId);
+                    + "WHERE ca.id = ? AND apm.product_type = 6 AND apm.financial_account_type = 2 LIMIT 1", accountId);
         }
         return null;
     }

fineract-provider/src/main/java/org/apache/fineract/portfolio/clearing/service/ClearingJournalService.java

@@ -34,6 +34,7 @@ import org.apache.fineract.commands.service.SynchronousCommandProcessingService;
 import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
 import org.apache.fineract.infrastructure.core.domain.FineractRequestContextHolder;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.PortfolioProductType;
 import org.apache.fineract.portfolio.voucher.service.VoucherLine;
 import org.apache.fineract.portfolio.voucher.service.VoucherService;
 import org.springframework.jdbc.core.JdbcTemplate;
@@ -118,7 +119,7 @@ public class ClearingJournalService {
         }
         final String glTxnId = result.getTransactionId();
         if (glTxnId != null && linkAccountId != null) {
-            linkDebitEntryToAccount(glTxnId, linkAccountId);
+            linkDebitEntryToAccount(glTxnId, linkAccountId, linkAccountType);
         }
         raiseClearingVoucher(glTxnId, debitGlId, creditGlId, amount, comments, linkAccountId, linkAccountType);
         return glTxnId;
@@ -191,7 +192,13 @@ public class ClearingJournalService {
         return this.jdbcTemplate.queryForList(sql, accountId).stream().findFirst().orElse(Map.of());
     }
 
-    private void linkDebitEntryToAccount(final String glTxnId, final Long accountId) {
+    /**
+     * Same savings-vs-current ambiguity {@link #accountHolderForVoucher} already guards against: the two
+     * account tables number independently, so entity_type_enum must say which one accountId names, not
+     * assume SAVING(2) for both. entity_type_enum=6 (PortfolioProductType.CURRENT) is what actually means
+     * "this id is in m_current_account".
+     */
+    private void linkDebitEntryToAccount(final String glTxnId, final Long accountId, final String accountType) {
         // ORDER BY id DESC: prefer the most recently posted row for this transaction_id text, in
         // case the id is ever reused (e.g. after a sequence reset) rather than latching onto a
         // stale, unrelated journal entry.
@@ -200,8 +207,11 @@ public class ClearingJournalService {
                 + " ORDER BY id DESC LIMIT 1", Long.class,
                 glTxnId);
         if (!rowIds.isEmpty()) {
-            this.jdbcTemplate.update("UPDATE acc_gl_journal_entry SET entity_type_enum = 2, entity_id = ? WHERE id = ?", accountId,
-                    rowIds.get(0));
+            final int entityType = "CURRENT".equalsIgnoreCase(accountType)
+                    ? PortfolioProductType.CURRENT.getValue()
+                    : PortfolioProductType.SAVING.getValue();
+            this.jdbcTemplate.update("UPDATE acc_gl_journal_entry SET entity_type_enum = ?, entity_id = ? WHERE id = ?", entityType,
+                    accountId, rowIds.get(0));
         }
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/clerkdisbursement/api/ClerkDisbursementRequestApiResource.java

@@ -66,6 +66,7 @@ import org.apache.fineract.infrastructure.core.domain.FineractRequestContextHold
 import org.apache.fineract.infrastructure.core.exception.IdempotentCommandProcessSucceedException;
 import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.portfolio.PortfolioProductType;
 import org.apache.fineract.portfolio.voucher.service.VoucherLine;
 import org.apache.fineract.portfolio.client.service.KycRestrictionGuard;
 import org.apache.fineract.portfolio.voucher.service.VoucherService;
@@ -173,9 +174,26 @@ public class ClerkDisbursementRequestApiResource {
             // stopped once the restriction ladder stops debits; a Cr leg pays money in and keeps
             // working, since nothing about a restricted customer should prevent them being paid.
             // A GL leg carries no savingsAccountId and the guard ignores it.
+            // A CURRENT leg carries the current account's id in savingsAccountId, so it is checked against
+            // m_current_account -- checking it as a savings id would test some unrelated savings account.
+            rejectRecurringDepositLeg(entry, entryAccountType);
             if (entry.has("savingsAccountId") && !entry.get("savingsAccountId").isJsonNull()) {
-                kycRestrictionGuard.check(entry.get("savingsAccountId").getAsLong(),
-                        "Dr".equals(dbCr) ? KycRestrictionGuard.Operation.TRANSFER : KycRestrictionGuard.Operation.CREDIT);
+                final KycRestrictionGuard.Operation operation = "Dr".equals(dbCr) ? KycRestrictionGuard.Operation.TRANSFER
+                        : KycRestrictionGuard.Operation.CREDIT;
+                if ("CURRENT".equals(entryAccountType)) {
+                    kycRestrictionGuard.checkCurrentAccount(entry.get("savingsAccountId").getAsLong(), operation);
+                } else {
+                    kycRestrictionGuard.check(entry.get("savingsAccountId").getAsLong(), operation);
+                }
+            }
+            // A Dr leg against a savings account is a withdrawal, and the clerk who raises it should
+            // not learn the account can't pay out until a manager tries to approve it and the whole
+            // request bounces back generic and reversed. Every reason SavingsAccount.withdraw() would
+            // refuse this later -- inactive, closed, or still inside its lock-in period -- is checked
+            // here too, against the same columns, so the clerk sees the real reason at entry time.
+            if ("Dr".equals(dbCr) && "SAVINGS".equals(entryAccountType)
+                    && entry.has("savingsAccountId") && !entry.get("savingsAccountId").isJsonNull()) {
+                validateSavingsWithdrawalEligible(entry.get("savingsAccountId").getAsLong(), entryAmt);
             }
             if ("Dr".equals(dbCr)) {
                 totalDr = totalDr.add(entryAmt);
@@ -469,6 +487,8 @@ public class ClerkDisbursementRequestApiResource {
                     throw apiError(400, "Account ID missing for entry: " + acNo
                         + ". Clerk must re-submit with account details loaded.");
                 }
+                // Also refuses requests raised before RD legs were blocked at submit.
+                rejectRecurringDepositLeg(entry, entryType);
             }
         }
 
@@ -513,6 +533,7 @@ public class ClerkDisbursementRequestApiResource {
         // collectionGlEntries:   DR SavingsControl per savings account (collection/withdrawal mode).
         // disbursementGlEntries: CR SavingsControl per savings account (disbursement/credit mode).
         final List<GlEntry> collectionGlEntries = new ArrayList<>();
+        final List<GlEntry> collectionCreditGlEntries = new ArrayList<>();
         final List<GlEntry> disbursementGlEntries = new ArrayList<>();
 
         // Compensation list: each successfully posted Fineract transaction gets an undo lambda.
@@ -534,8 +555,11 @@ public class ClerkDisbursementRequestApiResource {
                     final BigDecimal entryAmt = new BigDecimal(entry.get("amount").getAsString());
                     final String acNo = entry.has("accountNo") ? entry.get("accountNo").getAsString() : "?";
                     final Long accountId = entry.get("savingsAccountId").getAsLong();
-                    final boolean isCurrent = "CURRENT".equals(
-                        entry.has("accountType") ? entry.get("accountType").getAsString() : "SAVINGS");
+                    // Not trusted from entry.accountType alone -- see isCurrentAccountById: an id can
+                    // exist in both m_current_account and m_savings_account at once, and a bank
+                    // transfer posts and moves money immediately, with no maker-checker step to catch
+                    // a wrong label before it does.
+                    final boolean isCurrent = isCurrentAccountById(accountId, acNo);
 
                     final Long ctrlGl = isCurrent
                         ? getCurrentControlGlId(accountId) : getSavingsControlGlId(accountId);
@@ -548,7 +572,7 @@ public class ClerkDisbursementRequestApiResource {
                             ? directDebitCurrentAccount(accountId, entryAmt, officeId, txnDateStr, currentUser, description)
                             : directDebitSavingsAccount(accountId, entryAmt, officeId, txnDateStr, currentUser, description);
                         txnRefs.add(String.valueOf(txnId));
-                        btDebitGlEntries.add(new GlEntry(ctrlGl, entryAmt, acNo, null, accountId));
+                        btDebitGlEntries.add(new GlEntry(ctrlGl, entryAmt, acNo, null, accountId, isCurrent));
                         btTotalDr = btTotalDr.add(entryAmt);
                         if (isCurrent) undoOps.add(() -> directReverseCurrentDebit(accountId, entryAmt, txnId));
                         else undoOps.add(() -> directReverseSavingsDebit(accountId, entryAmt, txnId));
@@ -557,7 +581,7 @@ public class ClerkDisbursementRequestApiResource {
                             ? directCreditCurrentAccount(accountId, entryAmt, officeId, txnDateStr, currentUser, description)
                             : directCreditSavingsAccount(accountId, entryAmt, officeId, txnDateStr, currentUser);
                         txnRefs.add(String.valueOf(txnId));
-                        btCreditGlEntries.add(new GlEntry(ctrlGl, entryAmt, acNo, null, accountId));
+                        btCreditGlEntries.add(new GlEntry(ctrlGl, entryAmt, acNo, null, accountId, isCurrent));
                         if (isCurrent) undoOps.add(() -> directReverseCurrentCredit(accountId, entryAmt, txnId));
                         else undoOps.add(() -> directReverseSavingsCredit(accountId, entryAmt, txnId));
                     }
@@ -610,7 +634,15 @@ public class ClerkDisbursementRequestApiResource {
                         return ps;
                     }, btLogKh);
                     final long btLogId = Objects.requireNonNull(btLogKh.getKey()).longValue();
-                    final String btVoucherNo = generateBtVoucherNo(btLogId, currentUser, finalBtTotal);
+                    // submit() already raised this request's voucher (every request type does, so it
+                    // shows in My Vouchers the moment a clerk submits it, before any checker acts) --
+                    // minting a second one here for Bank Transfer specifically double-counted the same
+                    // transfer under two different names, "Entered by" whoever raised it AND whoever
+                    // approved it. Reuse that voucher; only fall back to raising a fresh one if this
+                    // request somehow reached approval without it (defensive, not the normal path).
+                    final Object existingVoucherNo = record.get("voucher_no");
+                    final String btVoucherNo = existingVoucherNo != null ? (String) existingVoucherNo
+                        : generateBtVoucherNo(btLogId, currentUser, finalBtTotal);
                     jdbcTemplate.update("UPDATE m_bank_transfer_log SET voucher_no = ? WHERE id = ?", btVoucherNo, btLogId);
                 }
 
@@ -633,8 +665,9 @@ public class ClerkDisbursementRequestApiResource {
                                 // Disbursement: direct GL-to-GL — DR sourceGL / CR thisGL
                                 postGlOffsetEntry(sourceGlId, glId, entryAmt, officeId, currencyCode, txnDateStr, description);
                             } else {
-                                // Collection: CR GL is the target for the combined savings debit entry
+                                // Collection: each CR GL takes its own amount in the one combined entry
                                 collectionTargetGlId = glId;
+                                collectionCreditGlEntries.add(new GlEntry(glId, entryAmt, acNo, null));
                             }
                         }
                         txnRefs.add("GL:" + acNo);
@@ -642,7 +675,7 @@ public class ClerkDisbursementRequestApiResource {
                     }
 
                     final Long accountId = entry.get("savingsAccountId").getAsLong();
-                    final boolean isCurrentAccount = isCurrentAccountById(accountId);
+                    final boolean isCurrentAccount = isCurrentAccountById(accountId, acNo);
                     String txnId = null;
 
                     if ("Cr".equals(dbCr)) {
@@ -660,7 +693,7 @@ public class ClerkDisbursementRequestApiResource {
                                 accountId, entryAmt, officeId, txnDateStr, currentUser, description);
                             txnRefs.add(String.valueOf(directCaTxnId));
                             depositSavingsTotal = depositSavingsTotal.add(entryAmt);
-                            disbursementGlEntries.add(new GlEntry(caCtrlGl, entryAmt, acNo, null, accountId));
+                            disbursementGlEntries.add(new GlEntry(caCtrlGl, entryAmt, acNo, null, accountId, true));
                             undoOps.add(() -> directReverseCurrentCredit(accountId, entryAmt, directCaTxnId));
                         } else {
                             // Real CBS book transfer: direct credit to savings account.
@@ -675,32 +708,30 @@ public class ClerkDisbursementRequestApiResource {
                                 accountId, entryAmt, officeId, txnDateStr, currentUser);
                             txnRefs.add(String.valueOf(directTxnId));
                             depositSavingsTotal = depositSavingsTotal.add(entryAmt);
-                            disbursementGlEntries.add(new GlEntry(savingsCtrlGl, entryAmt, acNo, null, accountId));
+                            disbursementGlEntries.add(new GlEntry(savingsCtrlGl, entryAmt, acNo, null, accountId, false));
                             undoOps.add(() -> directReverseSavingsCredit(accountId, entryAmt, directTxnId));
                         }
                     } else {
-                        try {
-                            txnId = isCurrentAccount
-                                ? executeCurrentAccountWithdrawal(accountId, entryAmt, entryPtId, txnDateStr, description)
-                                : executeSavingsWithdrawal(accountId, entryAmt, entryPtId, txnDateStr, description);
-                        } catch (IdempotentCommandProcessSucceedException idempotent) {
-                            txnId = extractResourceIdFromResponse(idempotent.getResponse());
+                        // Collection: a direct book debit, exactly as a bank transfer debits. It used to run a
+                        // cash withdrawal, whose own auto-entry (DR control / CR CashVault -- cash that never
+                        // moved) was then hidden by flagging it reversed, and a current account's auto-entry was
+                        // not even hidden, crediting CashVault instead of the target GL. Now nothing is posted
+                        // here; the one combined entry below is the only GL posting.
+                        final Long ctrlGl = isCurrentAccount ? getCurrentControlGlId(accountId) : getSavingsControlGlId(accountId);
+                        if (ctrlGl == null) {
+                            throw new RuntimeException("No control GL mapped for account " + acNo
+                                + ". Map it on the account's product Accounting tab.");
                         }
-                        if (txnId != null) {
-                            registerUndo(undoOps, accountId, txnId, isCurrentAccount);
-                            txnRefs.add(txnId);
-                            if (!isCurrentAccount) {
-                                final String fullTxnId = "S" + txnId;
-                                withdrawalSavingsTxnRefs.add(txnId);
-                                withdrawalSavingsTotal = withdrawalSavingsTotal.add(entryAmt);
-                                // Savings withdrawal auto-creates: DR SavingsControl / CR CashVault.
-                                // Collect the SavingsControl GL (DR side, type_enum=2) so we can
-                                // post a direct DR SavingsControl / CR targetGL combined entry.
-                                final Long savingsCtrlGl = findAccountGlFromTxn(fullTxnId, 2);
-                                if (savingsCtrlGl != null) {
-                                    collectionGlEntries.add(new GlEntry(savingsCtrlGl, entryAmt, acNo, fullTxnId, accountId));
-                                }
-                            }
+                        final long debitTxnId = isCurrentAccount
+                            ? directDebitCurrentAccount(accountId, entryAmt, officeId, txnDateStr, currentUser, description)
+                            : directDebitSavingsAccount(accountId, entryAmt, officeId, txnDateStr, currentUser, description);
+                        txnRefs.add(String.valueOf(debitTxnId));
+                        withdrawalSavingsTotal = withdrawalSavingsTotal.add(entryAmt);
+                        collectionGlEntries.add(new GlEntry(ctrlGl, entryAmt, acNo, null, accountId, isCurrentAccount));
+                        if (isCurrentAccount) {
+                            undoOps.add(() -> directReverseCurrentDebit(accountId, entryAmt, debitTxnId));
+                        } else {
+                            undoOps.add(() -> directReverseSavingsDebit(accountId, entryAmt, debitTxnId));
                         }
                     }
                 }
@@ -723,39 +754,22 @@ public class ClerkDisbursementRequestApiResource {
                 }
 
                 // ── Collection GL entry ───────────────────────────────────────────────
-                // Goal: DR SavingsControl(per account) / CR targetGL — one combined entry.
-                // Fineract withdrawals auto-create: DR SavingsControl / CR CashVault.
-                // We mark those auto-entries reversed (hidden from GL reports) and post
-                // the direct combined entry. Fallback: CashVault bridge if GL lookup fails.
-                if (collectionTargetGlId != null && !withdrawalSavingsTxnRefs.isEmpty()) {
-                    if (!collectionGlEntries.isEmpty()
-                            && collectionGlEntries.size() == withdrawalSavingsTxnRefs.size()) {
-                        markTxnGlEntriesReversed(collectionGlEntries);
-                        final List<GlEntry> snapC = new ArrayList<>(collectionGlEntries);
-                        undoOps.add(() -> unmarkTxnGlEntriesReversed(snapC));
-                        final String collGlTxnId = postCombinedJournalEntry(
-                            collectionGlEntries,
-                            List.of(new GlEntry(collectionTargetGlId, withdrawalSavingsTotal, null, null)),
-                            officeId, currencyCode, txnDateStr,
-                            buildGlEntryComment("Collection", collectionGlEntries, description));
-                        // Link each DR entry to its savings account so ACCOUNT NO shows in the GL view.
-                        if (collGlTxnId != null) {
-                            linkGlEntriesToSavingsAccounts(collGlTxnId, collectionGlEntries, 2);
-                        }
-                        approvedGlTxnId = collGlTxnId;
-                    } else {
-                        final Long cashVaultGlId = findCashVaultGlId(withdrawalSavingsTxnRefs, 1);
-                        if (cashVaultGlId != null) {
-                            approvedGlTxnId = postGlOffsetEntry(cashVaultGlId, collectionTargetGlId, withdrawalSavingsTotal,
-                                officeId, currencyCode, txnDateStr, description);
-                        } else if (!withdrawalSavingsTxnRefs.isEmpty()) {
-                            // No bridging entry was needed: the withdrawal's own auto-posted credit
-                            // leg already lands on the target GL directly (the savings product's own
-                            // payment-type mapping points there). That withdrawal's own transaction is
-                            // therefore the real posting -- there is no second one to remember instead.
-                            approvedGlTxnId = "S" + withdrawalSavingsTxnRefs.get(0);
-                        }
+                // One combined entry and nothing else: DR each account's own product control GL / CR each
+                // target GL. The accounts were debited directly above, so there is no auto-posted entry to
+                // hide and no CashVault leg to bridge.
+                if (!collectionGlEntries.isEmpty()) {
+                    if (collectionCreditGlEntries.isEmpty()) {
+                        throw new RuntimeException("Collection has no credit GL to receive " + withdrawalSavingsTotal + ".");
                     }
+                    final String collGlTxnId = postCombinedJournalEntry(
+                        collectionGlEntries, collectionCreditGlEntries,
+                        officeId, currencyCode, txnDateStr,
+                        buildGlEntryComment("Collection", collectionGlEntries, description));
+                    // Link each DR entry to its savings/current account so ACCOUNT NO shows in the GL view.
+                    if (collGlTxnId != null) {
+                        linkGlEntriesToSavingsAccounts(collGlTxnId, collectionGlEntries, 2);
+                    }
+                    approvedGlTxnId = collGlTxnId;
                 }
             } // end else (disbursement/collection mode)
 
@@ -921,6 +935,7 @@ public class ClerkDisbursementRequestApiResource {
             if (amt.compareTo(BigDecimal.ZERO) <= 0)
                 throw apiError(400, "Amount must be greater than zero. Account: "
                     + (e.has("accountNo") ? e.get("accountNo").getAsString() : "?"));
+            rejectRecurringDepositLeg(e, acTyp);
             drAccountIds.add(e.get("savingsAccountId").getAsLong());
         }
         for (final JsonObject e : crEntries) {
@@ -933,6 +948,7 @@ public class ClerkDisbursementRequestApiResource {
             if (amt.compareTo(BigDecimal.ZERO) <= 0)
                 throw apiError(400, "Amount must be greater than zero. Account: "
                     + (e.has("accountNo") ? e.get("accountNo").getAsString() : "?"));
+            rejectRecurringDepositLeg(e, acTyp);
             final Long crId = e.get("savingsAccountId").getAsLong();
             if (drAccountIds.contains(crId)) throw apiError(400,
                 "Account " + (e.has("accountNo") ? e.get("accountNo").getAsString() : crId)
@@ -960,8 +976,11 @@ public class ClerkDisbursementRequestApiResource {
                 final Long accountId = e.get("savingsAccountId").getAsLong();
                 final BigDecimal amount = new BigDecimal(e.get("amount").getAsString());
                 final String acNo = e.has("accountNo") ? e.get("accountNo").getAsString() : "?";
-                final String acTyp = e.has("accountType") ? e.get("accountType").getAsString() : "SAVINGS";
-                final boolean isCurrent = "CURRENT".equals(acTyp);
+                // Not trusted from entry.accountType alone -- see isCurrentAccountById: an id can
+                // exist in both m_current_account and m_savings_account at once, and a bank transfer
+                // posts and moves money immediately, with no maker-checker step to catch a wrong
+                // label before it does.
+                final boolean isCurrent = isCurrentAccountById(accountId, acNo);
 
                 final Long ctrlGl = isCurrent
                     ? getCurrentControlGlId(accountId) : getSavingsControlGlId(accountId);
@@ -974,7 +993,7 @@ public class ClerkDisbursementRequestApiResource {
                     : directDebitSavingsAccount(accountId, amount, officeId, txnDateStr, currentUser, description);
 
                 txnRefs.add(String.valueOf(txnId));
-                debitGlEntries.add(new GlEntry(ctrlGl, amount, acNo, null, accountId));
+                debitGlEntries.add(new GlEntry(ctrlGl, amount, acNo, null, accountId, isCurrent));
                 if (isCurrent) {
                     undoOps.add(() -> directReverseCurrentDebit(accountId, amount, txnId));
                 } else {
@@ -987,8 +1006,8 @@ public class ClerkDisbursementRequestApiResource {
                 final Long accountId = e.get("savingsAccountId").getAsLong();
                 final BigDecimal amount = new BigDecimal(e.get("amount").getAsString());
                 final String acNo = e.has("accountNo") ? e.get("accountNo").getAsString() : "?";
-                final String acTyp = e.has("accountType") ? e.get("accountType").getAsString() : "SAVINGS";
-                final boolean isCurrent = "CURRENT".equals(acTyp);
+                // Not trusted from entry.accountType alone -- see isCurrentAccountById.
+                final boolean isCurrent = isCurrentAccountById(accountId, acNo);
 
                 final Long ctrlGl = isCurrent
                     ? getCurrentControlGlId(accountId) : getSavingsControlGlId(accountId);
@@ -1000,7 +1019,7 @@ public class ClerkDisbursementRequestApiResource {
                     ? directCreditCurrentAccount(accountId, amount, officeId, txnDateStr, currentUser, description)
                     : directCreditSavingsAccount(accountId, amount, officeId, txnDateStr, currentUser);
                 txnRefs.add(String.valueOf(txnId));
-                creditGlEntries.add(new GlEntry(ctrlGl, amount, acNo, null, accountId));
+                creditGlEntries.add(new GlEntry(ctrlGl, amount, acNo, null, accountId, isCurrent));
                 if (isCurrent) {
                     undoOps.add(() -> directReverseCurrentCredit(accountId, amount, txnId));
                 } else {
@@ -1179,6 +1198,76 @@ public class ClerkDisbursementRequestApiResource {
                 .findFirst().orElse(null);
     }
 
+    /** m_savings_account.deposit_type_enum of a recurring deposit (Fineract's DepositAccountType.RECURRING_DEPOSIT). */
+    private static final int DEPOSIT_TYPE_RECURRING = 300;
+
+    /**
+     * A recurring deposit cannot be a leg of any clerk request. Every request type here posts straight into the
+     * account with a direct insert, which never reaches the RD's installment schedule: the installments stay unpaid,
+     * Auto Debit collects them a second time and the maturity amount is computed on the wrong schedule. RD
+     * installments come in through the cashier's Receipt (the RD deposit command) or the RD's own Auto Debit.
+     * Looked up by id, not trusted from the entry's label; a CURRENT leg's id belongs to m_current_account.
+     */
+    private void rejectRecurringDepositLeg(final JsonObject entry, final String accountType) {
+        if ("GL".equals(accountType) || "CURRENT".equals(accountType) || !entry.has("savingsAccountId")
+                || entry.get("savingsAccountId").isJsonNull()) {
+            return;
+        }
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
+                "SELECT account_no FROM m_savings_account WHERE id = ? AND deposit_type_enum = ?",
+                entry.get("savingsAccountId").getAsLong(), DEPOSIT_TYPE_RECURRING);
+        if (!rows.isEmpty()) {
+            throw apiError(422, "Recurring deposit " + rows.get(0).get("account_no")
+                    + " cannot be used in a clerk Disbursement, Collection, Fund Transfer or Bank Transfer."
+                    + " Pay RD installments through a cashier Receipt or Auto Debit.");
+        }
+    }
+
+    /** Savings status_enum for an account still open for business (Fineract's SavingsAccountStatusType.ACTIVE). */
+    private static final int SAVINGS_STATUS_ACTIVE = 300;
+
+    /**
+     * The same refusals {@code SavingsAccount.withdraw()} raises at approval time -- account not
+     * active, or still inside its lock-in period -- checked here against the same columns, so the
+     * clerk sees the real reason when the request is raised rather than a generic failure once a
+     * manager tries to approve it. Balance is checked too, against the account's own minimum, since
+     * an entry that can never post is no more usable sitting in the approval queue than one refused
+     * outright.
+     */
+    private void validateSavingsWithdrawalEligible(final Long savingsAccountId, final BigDecimal amount) {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT account_no, status_enum, lockedin_until_date_derived, account_balance_derived,
+                       min_required_balance, enforce_min_required_balance
+                  FROM m_savings_account WHERE id = ?
+                """, savingsAccountId);
+        if (rows.isEmpty()) {
+            return; // not found here is not this check's job -- the id/type mismatch surfaces elsewhere
+        }
+        final Map<String, Object> row = rows.get(0);
+        final String accountNo = (String) row.get("account_no");
+        final Number statusEnum = (Number) row.get("status_enum");
+        if (statusEnum == null || statusEnum.intValue() != SAVINGS_STATUS_ACTIVE) {
+            throw apiError(422, "Withdrawal not allowed for savings account " + accountNo + ": account is not active.");
+        }
+        final java.sql.Date lockedUntil = (java.sql.Date) row.get("lockedin_until_date_derived");
+        if (lockedUntil != null) {
+            final LocalDate today = LocalDate.now(DateUtils.getDateTimeZoneOfTenant());
+            final LocalDate lockedUntilDate = lockedUntil.toLocalDate();
+            if (today.isBefore(lockedUntilDate)) {
+                throw apiError(422, "Withdrawal not allowed for savings account " + accountNo
+                        + ": account is locked-in until " + lockedUntilDate + ".");
+            }
+        }
+        final BigDecimal balance = (BigDecimal) row.get("account_balance_derived");
+        final boolean enforceMin = Boolean.TRUE.equals(row.get("enforce_min_required_balance"));
+        final BigDecimal minRequired = enforceMin && row.get("min_required_balance") != null
+                ? (BigDecimal) row.get("min_required_balance") : BigDecimal.ZERO;
+        if (balance != null && balance.subtract(amount).compareTo(minRequired) < 0) {
+            throw apiError(422, "Withdrawal not allowed for savings account " + accountNo + ": available balance ("
+                    + balance.subtract(minRequired) + ") is less than the requested amount (" + amount + ").");
+        }
+    }
+
     private void addDisbursementVoucherLines(final Map<?, ?> record, final JsonArray creditEntries, final Long sourceGlId,
             final String requestType) {
 
@@ -1317,10 +1406,25 @@ public class ClerkDisbursementRequestApiResource {
         commandsSourceWritePlatformService.logCommandSource(cmd);
     }
 
-    private boolean isCurrentAccountById(final Long accountId) {
+    /**
+     * m_current_account and m_savings_account each keep their own identity sequence, so the same
+     * numeric id can be a real row in both at once -- two unrelated accounts, possibly two different
+     * clients, sharing nothing but a coincidental number. An id-only check here has already sent a
+     * real deposit into a stranger's current account instead of the savings account the entry
+     * actually named. expectedAccountNo -- the entry's own accountNo -- closes that gap: an id match
+     * is only trusted once the account_no on that current-account row confirms it. Pass null to skip
+     * the check where the caller has no account_no to compare against.
+     */
+    private boolean isCurrentAccountById(final Long accountId, final String expectedAccountNo) {
         try {
+            if (expectedAccountNo == null || expectedAccountNo.isBlank() || "?".equals(expectedAccountNo)) {
+                final Integer count = jdbcTemplate.queryForObject(
+                    "SELECT COUNT(*) FROM m_current_account WHERE id = ?", Integer.class, accountId);
+                return count != null && count > 0;
+            }
             final Integer count = jdbcTemplate.queryForObject(
-                "SELECT COUNT(*) FROM m_current_account WHERE id = ?", Integer.class, accountId);
+                "SELECT COUNT(*) FROM m_current_account WHERE id = ? AND account_no = ?",
+                Integer.class, accountId, expectedAccountNo);
             return count != null && count > 0;
         } catch (Exception e) {
             return false;
@@ -1503,20 +1607,27 @@ public class ClerkDisbursementRequestApiResource {
         final BigDecimal amount;
         final String accountRef;       // savings account number shown in GL comments; null for source/target GL
         final String txnId;            // full Fineract transaction_id (e.g. "S123"); null for pure GL entries
-        final Long savingsAccountId;   // numeric savings account ID for GL entity linking; null for GL-only entries
+        final Long savingsAccountId;   // numeric savings OR current account ID for GL entity linking; null for GL-only entries
+        final boolean isCurrentAccount; // true if savingsAccountId names a row in m_current_account, not m_savings_account
 
         GlEntry(final Long glAccountId, final BigDecimal amount,
                 final String accountRef, final String txnId) {
-            this(glAccountId, amount, accountRef, txnId, null);
+            this(glAccountId, amount, accountRef, txnId, null, false);
         }
 
         GlEntry(final Long glAccountId, final BigDecimal amount,
                 final String accountRef, final String txnId, final Long savingsAccountId) {
+            this(glAccountId, amount, accountRef, txnId, savingsAccountId, false);
+        }
+
+        GlEntry(final Long glAccountId, final BigDecimal amount, final String accountRef, final String txnId,
+                final Long savingsAccountId, final boolean isCurrentAccount) {
             this.glAccountId = glAccountId;
             this.amount = amount;
             this.accountRef = accountRef;
             this.txnId = txnId;
             this.savingsAccountId = savingsAccountId;
+            this.isCurrentAccount = isCurrentAccount;
         }
     }
 
@@ -1536,39 +1647,18 @@ public class ClerkDisbursementRequestApiResource {
         return rows.isEmpty() ? null : ((Number) rows.get(0).get("account_id")).longValue();
     }
 
-    /**
-     * Marks all Fineract auto-created journal entries for these transactions as reversed=true.
-     * Reversed entries are excluded from GL reports — only our direct combined entry is visible.
-     * Compensation: unmarkTxnGlEntriesReversed() restores them if the combined entry fails.
-     */
-    private void markTxnGlEntriesReversed(final List<GlEntry> entries) {
-        for (final GlEntry e : entries) {
-            if (e.txnId != null) {
-                // Guarded by reversed = false: if transaction_id text is ever reused, this can
-                // only flip rows that are currently live, never re-touch an already-reversed
-                // unrelated transaction's rows.
-                jdbcTemplate.update(
-                    "UPDATE acc_gl_journal_entry SET reversed = true WHERE transaction_id = ? AND reversed = false",
-                    e.txnId);
-            }
-        }
-    }
-
-    /** Compensation for markTxnGlEntriesReversed — restores reversed=false so Fineract undo is clean. */
-    private void unmarkTxnGlEntriesReversed(final List<GlEntry> entries) {
-        for (final GlEntry e : entries) {
-            if (e.txnId != null) {
-                jdbcTemplate.update(
-                    "UPDATE acc_gl_journal_entry SET reversed = false WHERE transaction_id = ? AND reversed = true",
-                    e.txnId);
-            }
-        }
-    }
-
     /**
      * After posting a combined journal entry, links each debit (typeEnum=2) or credit (typeEnum=1)
-     * row to its savings account so the GL view shows ACCOUNT NO instead of "—".
+     * row to its savings OR current account so the GL view shows ACCOUNT NO instead of "—".
      * Rows are matched to entries by insertion order (Fineract inserts in JSON array order).
+     *
+     * m_current_account and m_savings_account each keep their own identity sequence, so the same
+     * numeric id can be a real row in both -- this used to tag every entry entity_type_enum=2
+     * (PortfolioProductType.SAVING) regardless of which table the id actually named, so the GL view
+     * would resolve a current account's entry to a same-numbered savings account or vice versa.
+     * entity_type_enum=6 (PortfolioProductType.CURRENT) exists precisely so a current account's
+     * entries can be told apart from a savings account's; GlEntry.isCurrentAccount says which one
+     * this entry's id actually is, decided once already, where the account was first resolved.
      */
     private void linkGlEntriesToSavingsAccounts(final String glTxnId,
             final List<GlEntry> entries, final int typeEnum) {
@@ -1582,11 +1672,15 @@ public class ClerkDisbursementRequestApiResource {
             Long.class, glTxnId, typeEnum, entries.size());
         java.util.Collections.reverse(rowIds);
         for (int i = 0; i < Math.min(rowIds.size(), entries.size()); i++) {
-            final Long savingsAccId = entries.get(i).savingsAccountId;
+            final GlEntry entry = entries.get(i);
+            final Long savingsAccId = entry.savingsAccountId;
             if (savingsAccId != null) {
+                final int entityType = entry.isCurrentAccount
+                    ? PortfolioProductType.CURRENT.getValue()
+                    : PortfolioProductType.SAVING.getValue();
                 jdbcTemplate.update(
-                    "UPDATE acc_gl_journal_entry SET entity_type_enum = 2, entity_id = ? WHERE id = ?",
-                    savingsAccId, rowIds.get(i));
+                    "UPDATE acc_gl_journal_entry SET entity_type_enum = ?, entity_id = ? WHERE id = ?",
+                    entityType, savingsAccId, rowIds.get(i));
             }
         }
     }
@@ -1681,7 +1775,7 @@ public class ClerkDisbursementRequestApiResource {
         final List<Map<String, Object>> rows = jdbcTemplate.queryForList(
             "SELECT apm.gl_account_id FROM m_current_account ca "
             + "JOIN acc_product_mapping apm ON apm.product_id = ca.product_id "
-            + "WHERE ca.id = ? AND apm.product_type = 2 AND apm.financial_account_type = 2 LIMIT 1",
+            + "WHERE ca.id = ? AND apm.product_type = 6 AND apm.financial_account_type = 2 LIMIT 1",
             currentAccountId);
         return rows.isEmpty() ? null : ((Number) rows.get(0).get("gl_account_id")).longValue();
     }

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

@@ -390,6 +390,101 @@ public class ClerkShareWithdrawalRequestApiResource {
     public String validate(@PathParam("id") final Long id) {
         final AppUser currentUser = context.authenticatedUser();
         final Map<?, ?> record = loadRecord(id);
+        final List<Map<String, Object>> checks = buildShareWithdrawalChecks(record);
+
+        final Long makerId = ((Number) record.get("clerk_id")).longValue();
+        final boolean makerCheckerOk = !makerId.equals(currentUser.getId());
+        checks.add(checkResult("Maker and Checker are different users", makerCheckerOk,
+                makerCheckerOk ? "Confirmed different users" : "You submitted this request — another manager must approve it"));
+
+        final boolean allPassed = checks.stream().allMatch(c -> Boolean.TRUE.equals(c.get("pass")));
+        final JsonObject res = new JsonObject();
+        res.addProperty("allPassed", allPassed);
+        res.add("checks", gson.toJsonTree(checks));
+        return gson.toJson(res);
+    }
+
+    /**
+     * Lets the clerk see the same checklist the approver will see, before the request is even
+     * submitted — so a request that is going to fail a check (a missing GL mapping, an unverified
+     * KYC, an open AML alert) is caught while someone can still fix it, not after a manager has
+     * already spent time reviewing it. Takes the same fields {@link #submit(String)} does and
+     * applies the identical Sundry-downgrade rule, so what this previews is exactly what would be
+     * stored and exactly what {@link #validate(Long)} would later report on the saved request —
+     * never a second, independently-drifting copy of the rules.
+     *
+     * <p>
+     * The one check {@link #validate(Long)} runs that this cannot — "Maker and Checker are
+     * different users" — has no real answer yet: the clerk previewing this *is* the maker, and no
+     * checker has been chosen. It is reported here as a fixed reminder rather than silently
+     * dropped, so the clerk sees why the two lists differ by exactly that one row, and knows the
+     * rule is still enforced later, at {@code approve()}.
+     */
+    @POST
+    @Path("/preview-validate")
+    @Consumes(MediaType.APPLICATION_JSON)
+    @Produces(MediaType.APPLICATION_JSON)
+    public String previewValidate(final String body) {
+        context.authenticatedUser();
+        final JsonElement root = fromJsonHelper.parse(body);
+
+        final Long shareAccountId = fromJsonHelper.extractLongNamed("shareAccountId", root);
+        if (shareAccountId == null) {
+            throw apiError(400, "Share account id is required");
+        }
+        final Long requestedShares = fromJsonHelper.extractLongNamed("requestedShares", root);
+        final String resolutionNumber = fromJsonHelper.extractStringNamed("resolutionNumber", root);
+        final String meetingDate = fromJsonHelper.extractStringNamed("meetingDate", root);
+        final Long settlementPaymentTypeId = fromJsonHelper.extractLongNamed("settlementPaymentTypeId", root);
+        final String settlementModeRaw = fromJsonHelper.extractStringNamed("settlementMode", root);
+        String settlementMode = settlementModeRaw == null || settlementModeRaw.isBlank() ? "SAVINGS"
+                : settlementModeRaw.trim().toUpperCase();
+        Long settlementGlAccountId = fromJsonHelper.extractLongNamed("settlementGlAccountId", root);
+
+        // Mirrors submit()'s own downgrade: naming the product's own Share Sundry GL as the
+        // destination means "stop here", not a real GL settlement — see submit() for the rationale.
+        if ("GL".equals(settlementMode) && settlementGlAccountId != null) {
+            final Long productId = jdbcTemplate.queryForList("SELECT product_id FROM m_share_account WHERE id = ?", shareAccountId)
+                    .stream().findFirst().map(r -> ((Number) r.get("product_id")).longValue()).orElse(null);
+            if (productId != null) {
+                final Long glSundry = resolveGl(productId, FA_SHARES_SUSPENSE);
+                if (glSundry != null && glSundry.equals(settlementGlAccountId)) {
+                    settlementMode = "NONE";
+                    settlementGlAccountId = null;
+                }
+            }
+        }
+
+        final Map<String, Object> draftRecord = new java.util.HashMap<>();
+        draftRecord.put("resolution_number", resolutionNumber);
+        draftRecord.put("meeting_date", meetingDate);
+        draftRecord.put("share_account_id", shareAccountId);
+        draftRecord.put("requested_shares", requestedShares != null ? requestedShares : 0L);
+        draftRecord.put("settlement_mode", settlementMode);
+        draftRecord.put("settlement_gl_account_id", settlementGlAccountId);
+        draftRecord.put("settlement_payment_type_id", settlementPaymentTypeId);
+
+        final List<Map<String, Object>> checks = buildShareWithdrawalChecks(draftRecord);
+        checks.add(checkResult("Maker and Checker are different users", true,
+                "Verified automatically when a different manager approves"));
+
+        final boolean allPassed = checks.stream().allMatch(c -> Boolean.TRUE.equals(c.get("pass")));
+        final JsonObject res = new JsonObject();
+        res.addProperty("allPassed", allPassed);
+        res.add("checks", gson.toJsonTree(checks));
+        return gson.toJson(res);
+    }
+
+    /**
+     * The full checklist a checker sees before approving a share withdrawal — share balance and
+     * status, loan/tenure/guarantor exposure, settlement destination and payment type, and client
+     * KYC/risk/AML standing. Shared verbatim between {@link #validate(Long)} (an already-submitted
+     * request) and {@link #previewValidate(String)} (a draft that does not exist yet), so the two
+     * can never silently diverge. Reads {@code record} by the same string keys both callers
+     * populate: resolution_number, meeting_date, share_account_id, requested_shares,
+     * settlement_mode, settlement_gl_account_id, settlement_payment_type_id.
+     */
+    private List<Map<String, Object>> buildShareWithdrawalChecks(final Map<?, ?> record) {
         final List<Map<String, Object>> checks = new ArrayList<>();
 
         final String resolutionNumber = (String) record.get("resolution_number");
@@ -451,8 +546,18 @@ 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 +646,9 @@ 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";
@@ -579,16 +687,7 @@ public class ClerkShareWithdrawalRequestApiResource {
                     openAlerts != null && openAlerts > 0 ? openAlerts + " open alert(s)" : "None"));
         }
 
-        final Long makerId = ((Number) record.get("clerk_id")).longValue();
-        final boolean makerCheckerOk = !makerId.equals(currentUser.getId());
-        checks.add(checkResult("Maker and Checker are different users", makerCheckerOk,
-                makerCheckerOk ? "Confirmed different users" : "You submitted this request — another manager must approve it"));
-
-        final boolean allPassed = checks.stream().allMatch(c -> Boolean.TRUE.equals(c.get("pass")));
-        final JsonObject res = new JsonObject();
-        res.addProperty("allPassed", allPassed);
-        res.add("checks", gson.toJsonTree(checks));
-        return gson.toJson(res);
+        return checks;
     }
 
     private Map<String, Object> checkResult(final String label, final boolean pass, final String detail) {
@@ -709,6 +808,21 @@ 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 +1072,33 @@ 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/clerkwithdrawal/api/ClerkWithdrawalRequestApiResource.java

@@ -470,7 +470,7 @@ public class ClerkWithdrawalRequestApiResource {
 
         String txnId = null;
         if (savingsAccountId != null) {
-            final boolean isCurrentAccount = isCurrentAccountById(savingsAccountId);
+            final boolean isCurrentAccount = isCurrentAccountById(savingsAccountId, (String) record.get("account_no"));
             txnId = isCurrentAccount
                 ? executeCurrentAccountWithdrawal(savingsAccountId, amount, ptId, txnDateStr, description)
                 : executeSavingsWithdrawal(savingsAccountId, amount, ptId, txnDateStr, description);
@@ -722,10 +722,13 @@ public class ClerkWithdrawalRequestApiResource {
                 INSERT INTO m_savings_txn_denomination
                 (txn_id, savings_account_id, account_no, client_id, denomination_id,
                  denomination_value, count, total_amount, txn_date, txn_type, officer_id, officer_username, payment_type)
-                VALUES (?, ?, ?, ?, ?, ?, ?, ?, CURRENT_DATE, 'WITHDRAWAL', ?, ?, ?)
+                VALUES (?, ?, ?, ?, ?, ?, ?, ?, COALESCE(CAST(? AS DATE), CURRENT_DATE), 'WITHDRAWAL', ?, ?, ?)
                 """,
                 txnId, savingsAccountId, accountNo, clientId, denomId,
                 value, count, BigDecimal.valueOf((long) value * count),
+                // The request's own date, which the branch day's paid-out figure reads -- not the
+                // database clock, which put the notes on a different day from the withdrawal.
+                record.get("txn_date"),
                 cashier.getId(), cashier.getUsername(), paymentTypeName
             );
         }
@@ -872,10 +875,25 @@ public class ClerkWithdrawalRequestApiResource {
         return result.getResourceId() != null ? result.getResourceId().toString() : null;
     }
 
-    private boolean isCurrentAccountById(final Long accountId) {
+    /**
+     * m_current_account and m_savings_account each keep their own identity sequence, so the same
+     * numeric id can be a real row in both at once -- two unrelated accounts, possibly two different
+     * clients, sharing nothing but a coincidental number. An id-only check here can send a real
+     * withdrawal against a stranger's current account instead of the savings account the request
+     * actually named. expectedAccountNo -- the request's own account_no -- closes that gap: an id
+     * match is only trusted once the account_no on that current-account row confirms it. Pass null
+     * to skip the check where the caller has no account_no to compare against.
+     */
+    private boolean isCurrentAccountById(final Long accountId, final String expectedAccountNo) {
         try {
+            if (expectedAccountNo == null || expectedAccountNo.isBlank()) {
+                final Integer count = jdbcTemplate.queryForObject(
+                    "SELECT COUNT(*) FROM m_current_account WHERE id = ?", Integer.class, accountId);
+                return count != null && count > 0;
+            }
             final Integer count = jdbcTemplate.queryForObject(
-                "SELECT COUNT(*) FROM m_current_account WHERE id = ?", Integer.class, accountId);
+                "SELECT COUNT(*) FROM m_current_account WHERE id = ? AND account_no = ?",
+                Integer.class, accountId, expectedAccountNo);
             return count != null && count > 0;
         } catch (Exception e) {
             return false;

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

@@ -108,8 +108,20 @@ public class KycRestrictionGuard {
         checkKycExpiry(savingsAccountId, operation);
     }
 
+    /**
+     * The same two restrictions for a current account, read off the current account and its own current product
+     * (tracking flag and dormancy days): a current account is dormant on its product's schedule, not a savings one's.
+     */
+    public void checkCurrentAccount(final Long currentAccountId, final Operation operation) {
+        checkCurrentAccountDormancy(currentAccountId, operation);
+        enforceKycStage(currentAccountDaysOverdue(currentAccountId), operation);
+    }
+
     private void checkKycExpiry(final Long savingsAccountId, final Operation operation) {
-        final Long daysOverdue = daysOverdue(savingsAccountId);
+        enforceKycStage(daysOverdue(savingsAccountId), operation);
+    }
+
+    private void enforceKycStage(final Long daysOverdue, final Operation operation) {
         if (daysOverdue == null) {
             return;
         }
@@ -158,6 +170,28 @@ public class KycRestrictionGuard {
                   JOIN m_savings_product sp ON sp.id = sa.product_id
                  WHERE sa.id = ? AND sp.is_dormancy_tracking_active = true AND sp.days_to_dormancy > 0
                 """, savingsAccountId);
+        refuseIfDormant(rows, operation, "savings");
+    }
+
+    private void checkCurrentAccountDormancy(final Long currentAccountId, final Operation operation) {
+        if (currentAccountId == null || operation == Operation.CREDIT) {
+            return;
+        }
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT cp.days_to_dormancy,
+                       (SELECT date FROM m_business_date WHERE type = 'BUSINESS_DATE')
+                           - GREATEST(ca.activatedon_date,
+                               COALESCE((SELECT MAX(k.verified_on) FROM m_client_kyc k
+                                          WHERE k.client_id = ca.client_id AND k.verified_on IS NOT NULL),
+                                        ca.activatedon_date)) AS days_idle
+                  FROM m_current_account ca
+                  JOIN m_current_product cp ON cp.id = ca.product_id
+                 WHERE ca.id = ? AND cp.is_dormancy_tracking_active = true AND cp.days_to_dormancy > 0
+                """, currentAccountId);
+        refuseIfDormant(rows, operation, "current");
+    }
+
+    private void refuseIfDormant(final List<Map<String, Object>> rows, final Operation operation, final String accountKind) {
         if (rows.isEmpty()) {
             return;
         }
@@ -168,11 +202,30 @@ public class KycRestrictionGuard {
         }
         final long years = threshold.longValue() / 365;
         final String period = years >= 1 ? years + (years == 1 ? " year" : " years") : threshold + " days";
-        throw new PlatformDataIntegrityException("error.msg.savings.account.dormant." + operation.name().toLowerCase(),
+        throw new PlatformDataIntegrityException("error.msg." + accountKind + ".account.dormant." + operation.name().toLowerCase(),
                 operation.getLabel() + " is not allowed. The account is dormant — no customer-initiated transaction for "
                         + period + ". It must be reactivated after the customer's identity is re-verified (re-KYC).");
     }
 
+    private Long currentAccountDaysOverdue(final Long currentAccountId) {
+        if (currentAccountId == null) {
+            return null;
+        }
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT (SELECT date FROM m_business_date WHERE type = 'BUSINESS_DATE') - k.expiry_date AS days_overdue
+                  FROM m_current_account ca
+                  JOIN m_client_kyc k ON k.client_id = ca.client_id
+                 WHERE ca.id = ? AND k.expiry_date IS NOT NULL
+                 ORDER BY k.expiry_date DESC
+                 LIMIT 1
+                """, currentAccountId);
+        if (rows.isEmpty()) {
+            return null;
+        }
+        final Number daysOverdue = (Number) rows.get(0).get("days_overdue");
+        return daysOverdue == null || daysOverdue.longValue() < 0 ? null : daysOverdue.longValue();
+    }
+
     /**
      * Days past the customer's re-KYC due date, or null where there is nothing overdue to measure.
      *

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

@@ -87,4 +87,63 @@ public final class CountedCashLedger {
             + " OR CAST(to_timestamp(std.txn_id / 1000.0) AS DATE) NOT BETWEEN"
             + "    COALESCE(std.txn_date, CAST(std.created_at AS DATE)) - " + SAME_DAY_TOLERANCE_DAYS
             + " AND COALESCE(std.txn_date, CAST(std.created_at AS DATE)) + " + SAME_DAY_TOLERANCE_DAYS + ") ";
+
+    /**
+     * {@link #REAL_TXN_ID} plus the two tests a real id can still fail, as one predicate over the alias
+     * {@code std}. Every drawer figure reads this, not {@code REAL_TXN_ID} alone.
+     *
+     * <p>
+     * Only the cashier position report used to apply the two extra tests, so it and the reconciliation
+     * screen disagreed: a reversed ₹200 deposit left the settlement screen expecting three ₹100 notes
+     * while the settlement check, reading the position, allowed one — and refused the hand-over.
+     *
+     * <ul>
+     * <li>a breakdown whose savings transaction is reversed -- the money went back, so the notes did too.
+     * The table has no reversal marker of its own, so it is read off the transaction;
+     * <li>a breakdown that does not add up to its transaction -- ₹1,60,000 of notes against a ₹918
+     * deposit is mis-keyed, not cash. Sub-rupee tolerance, because a paisa-exact amount is handed
+     * over as the nearest whole rupee.
+     * </ul>
+     *
+     * <p>
+     * <b>The transaction is found by id and account number together.</b> Savings and current
+     * transactions keep separate id sequences, and a current-account deposit writes its own
+     * transaction id into {@code txn_id}. Matched on id alone, a ₹210 current-account deposit was
+     * judged against an unrelated savings transaction that happened to share its id, failed the
+     * amount test, and vanished from the cashier's drawer. A row with no account number (older
+     * writers) is still matched on id alone, as before.
+     *
+     * <p>
+     * All tests are correlated {@code NOT EXISTS} rather than joins, so a breakdown with no account
+     * transaction behind it (a Demand Draft, a manual GL entry) is untouched by them.
+     */
+    public static final String COUNTED_ROW = " (NOT EXISTS ("
+            + "  SELECT 1 FROM m_savings_account_transaction rt"
+            + "    JOIN m_savings_account rsa ON rsa.id = rt.savings_account_id"
+            + "   WHERE rt.id = std.txn_id"
+            + "     AND (std.account_no IS NULL OR rsa.account_no = std.account_no)"
+            + "     AND (rt.is_reversed = true OR " + breakdownDiffersFrom("rt.amount") + "))"
+            + " AND NOT EXISTS ("
+            + "  SELECT 1 FROM m_current_account_transaction rct"
+            + "    JOIN m_current_account rca ON rca.id = rct.current_account_id"
+            + "   WHERE rct.id = std.txn_id AND rca.account_no = std.account_no"
+            + "     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(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

@@ -286,9 +286,9 @@ public class DenominationBreakdownWriter {
                 + "    SELECT std.denomination_id, CAST(SUM(std.count) AS BIGINT)"
                 + "    FROM m_savings_txn_denomination std"
                 + "    WHERE std.txn_type = 'DEPOSIT'"
-                + "    AND " + CountedCashLedger.REAL_TXN_ID
+                + "    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)"
@@ -310,9 +310,9 @@ public class DenominationBreakdownWriter {
                 + "    SELECT std.denomination_id, CAST(-SUM(std.count) AS BIGINT)"
                 + "    FROM m_savings_txn_denomination std"
                 + "    WHERE std.txn_type = 'WITHDRAWAL'"
-                + "    AND " + CountedCashLedger.REAL_TXN_ID
+                + "    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)"
@@ -407,9 +407,9 @@ public class DenominationBreakdownWriter {
                 + "  SELECT std.denomination_id, CAST(SUM(std.count) AS BIGINT)"
                 + "  FROM m_savings_txn_denomination std"
                 + "  WHERE std.txn_type = 'DEPOSIT'"
-                + "  AND " + CountedCashLedger.REAL_TXN_ID
+                + "  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)"
@@ -431,9 +431,9 @@ public class DenominationBreakdownWriter {
                 + "  SELECT std.denomination_id, CAST(-SUM(std.count) AS BIGINT)"
                 + "  FROM m_savings_txn_denomination std"
                 + "  WHERE std.txn_type = 'WITHDRAWAL'"
-                + "  AND " + CountedCashLedger.REAL_TXN_ID
+                + "  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/fund/api/FundsApiResource.java

@@ -26,6 +26,7 @@ import io.swagger.v3.oas.annotations.parameters.RequestBody;
 import io.swagger.v3.oas.annotations.responses.ApiResponse;
 import io.swagger.v3.oas.annotations.tags.Tag;
 import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.DELETE;
 import jakarta.ws.rs.GET;
 import jakarta.ws.rs.POST;
 import jakarta.ws.rs.PUT;
@@ -114,4 +115,16 @@ public class FundsApiResource {
         final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
         return toApiJsonSerializer.serialize(result);
     }
+
+    @DELETE
+    @Path("{fundId}")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    @Produces({ MediaType.APPLICATION_JSON })
+    @Operation(summary = "Delete a Fund", description = "Deletes a fund outright. Fails if the fund is still referenced by any loan or loan product.")
+    @ApiResponse(responseCode = "200", description = "OK", content = @Content(schema = @Schema(implementation = FundsApiResourceSwagger.DeleteFundsFundIdResponse.class)))
+    public String deleteFund(@PathParam("fundId") @Parameter(description = "fundId") final Long fundId) {
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().deleteFund(fundId).build();
+        final CommandProcessingResult result = commandsSourceWritePlatformService.logCommandSource(commandRequest);
+        return toApiJsonSerializer.serialize(result);
+    }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/fund/api/FundsApiResourceSwagger.java

@@ -55,4 +55,13 @@ final class FundsApiResourceSwagger {
         public Long resourceId;
         public PutFundsFundIdRequest changes;
     }
+
+    @Schema(description = "DeleteFundsFundIdResponse")
+    public static final class DeleteFundsFundIdResponse {
+
+        private DeleteFundsFundIdResponse() {}
+
+        @Schema(example = "1")
+        public Long resourceId;
+    }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/fund/handler/DeleteFundCommandHandler.java

@@ -0,0 +1,47 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.fund.handler;
+
+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.fund.service.FundWritePlatformService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "FUND", action = "DELETE")
+public class DeleteFundCommandHandler implements NewCommandSourceHandler {
+
+    private final FundWritePlatformService writePlatformService;
+
+    @Autowired
+    public DeleteFundCommandHandler(final FundWritePlatformService writePlatformService) {
+        this.writePlatformService = writePlatformService;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        return this.writePlatformService.deleteFund(command.entityId(), command);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/fund/service/FundWritePlatformService.java

@@ -26,4 +26,6 @@ public interface FundWritePlatformService {
     CommandProcessingResult createFund(JsonCommand command);
 
     CommandProcessingResult updateFund(Long fundId, JsonCommand command);
+
+    CommandProcessingResult deleteFund(Long fundId, JsonCommand command);
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/fund/service/FundWritePlatformServiceJpaRepositoryImpl.java

@@ -35,6 +35,7 @@ import org.apache.fineract.portfolio.fund.exception.FundNotFoundException;
 import org.apache.fineract.portfolio.fund.serialization.FundCommandFromApiJsonDeserializer;
 import org.springframework.cache.annotation.CacheEvict;
 import org.springframework.dao.DataIntegrityViolationException;
+import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.orm.jpa.JpaSystemException;
 import org.springframework.transaction.annotation.Transactional;
 
@@ -45,6 +46,7 @@ public class FundWritePlatformServiceJpaRepositoryImpl implements FundWritePlatf
     private final PlatformSecurityContext context;
     private final FundCommandFromApiJsonDeserializer fromApiJsonDeserializer;
     private final FundRepository fundRepository;
+    private final JdbcTemplate jdbcTemplate;
 
     @Transactional
     @Override
@@ -99,6 +101,45 @@ public class FundWritePlatformServiceJpaRepositoryImpl implements FundWritePlatf
         }
     }
 
+    @Transactional
+    @Override
+    @CacheEvict(value = "funds", key = "T(org.apache.fineract.infrastructure.core.service.ThreadLocalContextUtil).getTenant().getTenantIdentifier().concat('fn')")
+    public CommandProcessingResult deleteFund(final Long fundId, final JsonCommand command) {
+
+        this.context.authenticatedUser();
+
+        final Fund fund = this.fundRepository.findById(fundId).orElseThrow(() -> new FundNotFoundException(fundId));
+
+        requireNoneReference(fundId, "m_loan", "fund_id", "loan", "loans",
+                "Reassign or remove the loans using this fund before deleting it.");
+        requireNoneReference(fundId, "m_product_loan", "fund_id", "loan product", "loan products",
+                "Remove this fund from the loan products using it before deleting it.");
+
+        try {
+            this.fundRepository.delete(fund);
+            this.fundRepository.flush();
+        } catch (final JpaSystemException | DataIntegrityViolationException dve) {
+            throw ErrorHandler.getMappable(dve, "error.msg.fund.cannot.delete.has.references",
+                    "This fund cannot be deleted: other records still reference it.");
+        } catch (final PersistenceException dve) {
+            throw ErrorHandler.getMappable(dve, "error.msg.fund.cannot.delete.has.references",
+                    "This fund cannot be deleted: other records still reference it.");
+        }
+
+        return new CommandProcessingResultBuilder().withCommandId(command.commandId()).withEntityId(fundId).build();
+    }
+
+    private void requireNoneReference(final Long fundId, final String table, final String column, final String singular,
+            final String plural, final String remedy) {
+        final Long count = this.jdbcTemplate.queryForObject("SELECT COUNT(*) FROM " + table + " WHERE " + column + " = ?", Long.class,
+                fundId);
+        if (count != null && count > 0) {
+            final String noun = count == 1 ? singular : plural;
+            throw new PlatformDataIntegrityException("error.msg.fund.cannot.delete.still.referenced",
+                    "This fund cannot be deleted: it is still referenced by " + count + " " + noun + ". " + remedy, "fundId", fundId);
+        }
+    }
+
     /*
      * Guaranteed to throw an exception no matter what the data integrity issue is.
      */

fineract-provider/src/main/java/org/apache/fineract/portfolio/fund/starter/FundConfiguration.java

@@ -42,7 +42,7 @@ public class FundConfiguration {
     @Bean
     @ConditionalOnMissingBean(FundWritePlatformService.class)
     public FundWritePlatformService fundWritePlatformService(PlatformSecurityContext context,
-            FundCommandFromApiJsonDeserializer fromApiJsonDeserializer, FundRepository fundRepository) {
-        return new FundWritePlatformServiceJpaRepositoryImpl(context, fromApiJsonDeserializer, fundRepository);
+            FundCommandFromApiJsonDeserializer fromApiJsonDeserializer, FundRepository fundRepository, JdbcTemplate jdbcTemplate) {
+        return new FundWritePlatformServiceJpaRepositoryImpl(context, fromApiJsonDeserializer, fundRepository, jdbcTemplate);
     }
 }

fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/guarantor/service/GuarantorWritePlatformServiceJpaRepositoryIImpl.java

@@ -55,6 +55,7 @@ import org.apache.fineract.portfolio.loanaccount.guarantor.exception.InvalidGuar
 import org.apache.fineract.portfolio.loanaccount.guarantor.serialization.GuarantorCommandFromApiJsonDeserializer;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccount;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler;
+import org.apache.fineract.portfolio.savings.service.RecurringDepositLienService;
 import org.slf4j.Logger;
 import org.slf4j.LoggerFactory;
 import org.springframework.beans.factory.annotation.Autowired;
@@ -79,6 +80,7 @@ public class GuarantorWritePlatformServiceJpaRepositoryIImpl implements Guaranto
     private final SavingsAccountAssembler savingsAccountAssembler;
     private final AccountAssociationsRepository accountAssociationsRepository;
     private final GuarantorDomainService guarantorDomainService;
+    private final RecurringDepositLienService recurringDepositLienService;
 
     @Autowired
     public GuarantorWritePlatformServiceJpaRepositoryIImpl(final LoanRepositoryWrapper loanRepositoryWrapper,
@@ -86,7 +88,9 @@ public class GuarantorWritePlatformServiceJpaRepositoryIImpl implements Guaranto
             final StaffRepositoryWrapper staffRepositoryWrapper, final GroupRepositoryWrapper groupRepositoryWrapper,
             final GuarantorCommandFromApiJsonDeserializer fromApiJsonDeserializer,
             final CodeValueRepositoryWrapper codeValueRepositoryWrapper, final SavingsAccountAssembler savingsAccountAssembler,
-            final AccountAssociationsRepository accountAssociationsRepository, final GuarantorDomainService guarantorDomainService) {
+            final AccountAssociationsRepository accountAssociationsRepository, final GuarantorDomainService guarantorDomainService,
+            final RecurringDepositLienService recurringDepositLienService) {
+        this.recurringDepositLienService = recurringDepositLienService;
         this.loanRepositoryWrapper = loanRepositoryWrapper;
         this.clientRepositoryWrapper = clientRepositoryWrapper;
         this.groupRepositoryWrapper = groupRepositoryWrapper;
@@ -120,6 +124,9 @@ public class GuarantorWritePlatformServiceJpaRepositoryIImpl implements Guaranto
                 final SavingsAccount savingsAccount = this.savingsAccountAssembler.assembleFrom(guarantorCommand.getSavingsId(),
                         backdatedTxnsAllowedTill);
                 validateGuarantorSavingsAccountActivationDateWithLoanSubmittedOnDate(loan, savingsAccount);
+                // A recurring deposit pledged here is a lien on it: its product must allow that, and it can
+                // never secure more than the balance it has not already pledged.
+                this.recurringDepositLienService.validatePledge(savingsAccount, guarantorCommand.getAmount(), loan.getId());
                 accountAssociations = AccountAssociations.associateSavingsAccount(loan, savingsAccount,
                         AccountAssociationType.GUARANTOR_ACCOUNT_ASSOCIATION.getValue(), backdatedTxnsAllowedTill);
 

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/api/BranchProfileApiResource.java

@@ -19,6 +19,7 @@
 package org.apache.fineract.portfolio.orgsetup.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.PUT;
@@ -27,17 +28,18 @@ import jakarta.ws.rs.PathParam;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.QueryParam;
 import jakarta.ws.rs.core.MediaType;
-import java.time.Instant;
-import java.sql.Timestamp;
 import java.util.ArrayList;
 import java.util.LinkedHashMap;
 import java.util.List;
 import java.util.Map;
 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.core.exception.PlatformDataIntegrityException;
 import org.apache.fineract.infrastructure.core.serialization.FromJsonHelper;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
-import org.apache.fineract.useradministration.domain.AppUser;
 import org.springframework.jdbc.core.JdbcTemplate;
 import org.springframework.stereotype.Component;
 
@@ -57,6 +59,7 @@ public class BranchProfileApiResource {
     private final JdbcTemplate jdbcTemplate;
     private final PlatformSecurityContext context;
     private final FromJsonHelper fromJsonHelper;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
     private final Gson gson = new Gson();
 
     @GET
@@ -84,68 +87,23 @@ public class BranchProfileApiResource {
     @PUT
     @Path("{officeId}")
     @Consumes({ MediaType.APPLICATION_JSON })
-    public String update(@PathParam("officeId") final Long officeId, final String body) {
-        this.context.authenticatedUser().validateHasPermissionTo("UPDATE_BRANCHPROFILE");
-
-        final Integer officeExists = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_office WHERE id = ?",
-                Integer.class, officeId);
-        if (officeExists == null || officeExists == 0) {
-            throw new PlatformDataIntegrityException("error.msg.branchprofile.office.not.found",
-                    "Office " + officeId + " was not found.");
-        }
-
+    public CommandProcessingResult update(@PathParam("officeId") final Long officeId, final String body) {
+        // The write itself (office-exists check, branch-code uniqueness check, m_office_profile
+        // upsert) now lives in BranchProfileWritePlatformService, invoked via
+        // UpdateBranchProfileCommandHandler so it goes through the generic Maker-Checker gate. The
+        // permission check that used to happen here explicitly is now enforced by SecurityConfig's
+        // matcher plus the command-source pipeline itself, the same as every other endpoint already
+        // migrated to this pipeline. A "locale" key is added if the body does not already carry one -
+        // JsonCommand's BigDecimal extractor (for latitude/longitude) requires it, and the frontend's
+        // payload does not currently send one.
         final var root = this.fromJsonHelper.parse(body);
-        final String branchCode = this.fromJsonHelper.extractStringNamed("branchCode", root);
-        final String branchType = this.fromJsonHelper.extractStringNamed("branchType", root);
-        final String address = this.fromJsonHelper.extractStringNamed("address", root);
-        final String pincode = this.fromJsonHelper.extractStringNamed("pincode", root);
-        final String contactPhone = this.fromJsonHelper.extractStringNamed("contactPhone", root);
-        final String contactEmail = this.fromJsonHelper.extractStringNamed("contactEmail", root);
-        final String workingHoursStart = this.fromJsonHelper.extractStringNamed("workingHoursStart", root);
-        final String workingHoursEnd = this.fromJsonHelper.extractStringNamed("workingHoursEnd", root);
-        final String workingDays = this.fromJsonHelper.extractStringNamed("workingDays", root);
-        final String ifscCode = this.fromJsonHelper.extractStringNamed("ifscCode", root);
-        final String micrCode = this.fromJsonHelper.extractStringNamed("micrCode", root);
-        final java.math.BigDecimal latitude = this.fromJsonHelper.extractBigDecimalWithLocaleNamed("latitude", root);
-        final java.math.BigDecimal longitude = this.fromJsonHelper.extractBigDecimalWithLocaleNamed("longitude", root);
-
-        if (branchCode != null && !branchCode.isBlank()) {
-            final Integer dupe = jdbcTemplate.queryForObject(
-                    "SELECT COUNT(*) FROM m_office_profile WHERE branch_code = ? AND office_id <> ?", Integer.class,
-                    branchCode, officeId);
-            if (dupe != null && dupe > 0) {
-                throw new PlatformDataIntegrityException("error.msg.branchprofile.code.duplicate",
-                        "Branch code '" + branchCode + "' is already used by another branch.");
-            }
+        final JsonObject json = root.getAsJsonObject();
+        if (!json.has("locale")) {
+            json.addProperty("locale", "en");
         }
-
-        final AppUser currentUser = this.context.authenticatedUser();
-        final Integer existing = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_office_profile WHERE office_id = ?",
-                Integer.class, officeId);
-        if (existing != null && existing > 0) {
-            jdbcTemplate.update("""
-                    UPDATE m_office_profile
-                       SET branch_code = ?, branch_type = ?, address = ?, pincode = ?, contact_phone = ?, contact_email = ?,
-                           working_hours_start = ?, working_hours_end = ?, working_days = ?,
-                           ifsc_code = ?, micr_code = ?, latitude = ?, longitude = ?,
-                           updated_by_username = ?, updated_at = ?
-                     WHERE office_id = ?
-                    """, branchCode, branchType, address, pincode, contactPhone, contactEmail, workingHoursStart,
-                workingHoursEnd, workingDays, ifscCode, micrCode, latitude, longitude, currentUser.getUsername(),
-                Timestamp.from(Instant.now()), officeId);
-        } else {
-            jdbcTemplate.update("""
-                    INSERT INTO m_office_profile
-                    (office_id, branch_code, branch_type, address, pincode, contact_phone, contact_email,
-                     working_hours_start, working_hours_end, working_days, ifsc_code, micr_code,
-                     latitude, longitude, updated_by_username, updated_at)
-                    VALUES (?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?)
-                    """, officeId, branchCode, branchType, address, pincode, contactPhone, contactEmail, workingHoursStart,
-                workingHoursEnd, workingDays, ifscCode, micrCode, latitude, longitude, currentUser.getUsername(),
-                Timestamp.from(Instant.now()));
-        }
-
-        return list(officeId);
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updateBranchProfile(officeId)
+                .withJson(this.gson.toJson(json)).build();
+        return this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
     }
 
     private String baseSql() {

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/api/InstitutionProfileApiResource.java

@@ -25,14 +25,16 @@ import jakarta.ws.rs.PUT;
 import jakarta.ws.rs.Path;
 import jakarta.ws.rs.Produces;
 import jakarta.ws.rs.core.MediaType;
-import java.sql.Date;
 import java.sql.Timestamp;
 import java.time.Instant;
-import java.time.LocalDate;
 import java.util.LinkedHashMap;
 import java.util.List;
 import java.util.Map;
 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.core.serialization.FromJsonHelper;
 import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
 import org.apache.fineract.useradministration.domain.AppUser;
@@ -60,6 +62,7 @@ public class InstitutionProfileApiResource {
     private final JdbcTemplate jdbcTemplate;
     private final PlatformSecurityContext context;
     private final FromJsonHelper fromJsonHelper;
+    private final PortfolioCommandSourceWritePlatformService commandsSourceWritePlatformService;
     private final Gson gson = new Gson();
 
     @GET
@@ -89,100 +92,17 @@ public class InstitutionProfileApiResource {
 
     @PUT
     @Consumes({ MediaType.APPLICATION_JSON })
-    public String update(final String body) {
-        this.context.authenticatedUser().validateHasPermissionTo("UPDATE_INSTITUTIONPROFILE");
-        ensureRowExists();
-
-        final var root = this.fromJsonHelper.parse(body);
-        final String bankName = this.fromJsonHelper.extractStringNamed("bankName", root);
-        final String legalName = this.fromJsonHelper.extractStringNamed("legalName", root);
-        final String shortName = this.fromJsonHelper.extractStringNamed("shortName", root);
-        final String bankCode = this.fromJsonHelper.extractStringNamed("bankCode", root);
-        final String institutionCode = this.fromJsonHelper.extractStringNamed("institutionCode", root);
-        final String bankType = this.fromJsonHelper.extractStringNamed("bankType", root);
-        final String ownershipType = this.fromJsonHelper.extractStringNamed("ownershipType", root);
-        final String parentInstitutionName = this.fromJsonHelper.extractStringNamed("parentInstitutionName", root);
-        final String registrationNumber = this.fromJsonHelper.extractStringNamed("registrationNumber", root);
-        final String licenseNumber = this.fromJsonHelper.extractStringNamed("licenseNumber", root);
-        final LocalDate establishedDate = parseDate(this.fromJsonHelper.extractStringNamed("establishedDate", root));
-        final String status = this.fromJsonHelper.extractStringNamed("status", root);
-        final String country = this.fromJsonHelper.extractStringNamed("country", root);
-        final String regulatoryAuthority = this.fromJsonHelper.extractStringNamed("regulatoryAuthority", root);
-        final LocalDate registrationDate = parseDate(this.fromJsonHelper.extractStringNamed("registrationDate", root));
-        final String licenseStatus = this.fromJsonHelper.extractStringNamed("licenseStatus", root);
-        final LocalDate licenseExpiryDate = parseDate(this.fromJsonHelper.extractStringNamed("licenseExpiryDate", root));
-        final String swiftBic = this.fromJsonHelper.extractStringNamed("swiftBic", root);
-        final String addressLine1 = this.fromJsonHelper.extractStringNamed("addressLine1", root);
-        final String addressLine2 = this.fromJsonHelper.extractStringNamed("addressLine2", root);
-        final String city = this.fromJsonHelper.extractStringNamed("city", root);
-        final String district = this.fromJsonHelper.extractStringNamed("district", root);
-        final String state = this.fromJsonHelper.extractStringNamed("state", root);
-        final String pincode = this.fromJsonHelper.extractStringNamed("pincode", root);
-        final Boolean headOfficeSame = this.fromJsonHelper.parameterExists("headOfficeSameAsRegistered", root)
-                ? this.fromJsonHelper.extractBooleanNamed("headOfficeSameAsRegistered", root) : Boolean.TRUE;
-        final String headOfficeAddress = this.fromJsonHelper.extractStringNamed("headOfficeAddress", root);
-        final Boolean communicationSame = this.fromJsonHelper.parameterExists("communicationSameAsRegistered", root)
-                ? this.fromJsonHelper.extractBooleanNamed("communicationSameAsRegistered", root) : Boolean.TRUE;
-        final String communicationAddress = this.fromJsonHelper.extractStringNamed("communicationAddress", root);
-        final String contactPhone = this.fromJsonHelper.extractStringNamed("contactPhone", root);
-        final String contactEmail = this.fromJsonHelper.extractStringNamed("contactEmail", root);
-        final String customerCareNumber = this.fromJsonHelper.extractStringNamed("customerCareNumber", root);
-        final String grievanceEmail = this.fromJsonHelper.extractStringNamed("grievanceEmail", root);
-        final String website = this.fromJsonHelper.extractStringNamed("website", root);
-        final String pan = this.fromJsonHelper.extractStringNamed("pan", root);
-        final String tan = this.fromJsonHelper.extractStringNamed("tan", root);
-        final String gstin = this.fromJsonHelper.extractStringNamed("gstin", root);
-        final String statementHeaderName = this.fromJsonHelper.extractStringNamed("statementHeaderName", root);
-        final String passbookHeaderName = this.fromJsonHelper.extractStringNamed("passbookHeaderName", root);
-        final String receiptHeaderName = this.fromJsonHelper.extractStringNamed("receiptHeaderName", root);
-        final String termsAndConditions = this.fromJsonHelper.extractStringNamed("termsAndConditions", root);
-        final String authorizedPersonName = this.fromJsonHelper.extractStringNamed("authorizedPersonName", root);
-        final String authorizedPersonDesignation = this.fromJsonHelper.extractStringNamed("authorizedPersonDesignation",
-                root);
-        final String authorizedPersonContact = this.fromJsonHelper.extractStringNamed("authorizedPersonContact", root);
-        final String authorizedPersonEmail = this.fromJsonHelper.extractStringNamed("authorizedPersonEmail", root);
-
-        // A status flip is stamped automatically the first time it happens, rather than asking the
-        // user to also remember to set a date — the previous row's own status is what "the first
-        // time" is judged against.
-        final String previousStatus = jdbcTemplate.queryForObject("SELECT status FROM m_institution_profile WHERE id = 1",
-                String.class);
-        final boolean turningActive = "ACTIVE".equalsIgnoreCase(status) && !"ACTIVE".equalsIgnoreCase(previousStatus);
-        final boolean turningInactive = "INACTIVE".equalsIgnoreCase(status) && !"INACTIVE".equalsIgnoreCase(previousStatus);
-        final LocalDate today = LocalDate.now();
-
-        final AppUser currentUser = this.context.authenticatedUser();
-        jdbcTemplate.update("""
-                UPDATE m_institution_profile
-                   SET bank_name = ?, legal_name = ?, short_name = ?, bank_code = ?, institution_code = ?,
-                       bank_type = ?, ownership_type = ?, parent_institution_name = ?,
-                       registration_number = ?, license_number = ?, established_date = ?, status = ?, country = ?,
-                       regulatory_authority = ?, registration_date = ?, license_status = ?, license_expiry_date = ?,
-                       swift_bic = ?,
-                       address_line1 = ?, address_line2 = ?, city = ?, district = ?, state = ?, pincode = ?,
-                       head_office_same_as_registered = ?, head_office_address = ?,
-                       communication_same_as_registered = ?, communication_address = ?,
-                       contact_phone = ?, contact_email = ?, customer_care_number = ?, grievance_email = ?,
-                       website = ?, pan = ?, tan = ?, gstin = ?,
-                       statement_header_name = ?, passbook_header_name = ?, receipt_header_name = ?,
-                       terms_and_conditions = ?,
-                       authorized_person_name = ?, authorized_person_designation = ?, authorized_person_contact = ?,
-                       authorized_person_email = ?,
-                       activation_date = CASE WHEN ? THEN ? ELSE activation_date END,
-                       deactivation_date = CASE WHEN ? THEN ? ELSE deactivation_date END,
-                       updated_by_username = ?, updated_at = ?
-                 WHERE id = 1
-                """, bankName, legalName, shortName, bankCode, institutionCode, bankType, ownershipType,
-            parentInstitutionName, registrationNumber, licenseNumber, toSqlDate(establishedDate), status, country,
-            regulatoryAuthority, toSqlDate(registrationDate), licenseStatus, toSqlDate(licenseExpiryDate), swiftBic,
-            addressLine1, addressLine2, city, district, state, pincode, headOfficeSame, headOfficeAddress,
-            communicationSame, communicationAddress, contactPhone, contactEmail, customerCareNumber, grievanceEmail,
-            website, pan, tan, gstin, statementHeaderName, passbookHeaderName, receiptHeaderName, termsAndConditions,
-            authorizedPersonName, authorizedPersonDesignation, authorizedPersonContact, authorizedPersonEmail,
-            turningActive, toSqlDate(today), turningInactive, toSqlDate(today), currentUser.getUsername(),
-            Timestamp.from(Instant.now()));
-
-        return get();
+    public CommandProcessingResult update(final String body) {
+        // The write itself (the JDBC UPDATE of m_institution_profile) now lives in
+        // InstitutionProfileWritePlatformService, invoked via UpdateInstitutionProfileCommandHandler so
+        // it goes through the generic Maker-Checker gate. The permission check that used to happen here
+        // explicitly is now enforced by SecurityConfig's matcher plus the command-source pipeline
+        // itself, the same as every other endpoint already migrated to this pipeline (Currency, Working
+        // Days, Payment Type). `body` is forwarded to the command as-is - it already carries the
+        // `locale` key the frontend sends, which JsonCommand's BigDecimal/date extractors would
+        // otherwise require.
+        final CommandWrapper commandRequest = new CommandWrapperBuilder().updateInstitutionProfile().withJson(body).build();
+        return this.commandsSourceWritePlatformService.logCommandSource(commandRequest);
     }
 
     private void ensureRowExists() {
@@ -204,14 +124,6 @@ public class InstitutionProfileApiResource {
         return codes.isEmpty() ? null : codes.get(0);
     }
 
-    private LocalDate parseDate(final String raw) {
-        return (raw != null && !raw.isBlank()) ? LocalDate.parse(raw) : null;
-    }
-
-    private Date toSqlDate(final LocalDate d) {
-        return d == null ? null : Date.valueOf(d);
-    }
-
     private Map<String, Object> toResult(final Map<String, Object> row) {
         final Map<String, Object> out = new LinkedHashMap<>();
         out.put("bankName", row.get("bank_name"));

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/handler/UpdateBranchProfileCommandHandler.java

@@ -0,0 +1,62 @@
+/**
+ * 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.orgsetup.handler;
+
+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.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.orgsetup.service.BranchProfileWritePlatformService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "BRANCHPROFILE", action = "UPDATE")
+public class UpdateBranchProfileCommandHandler implements NewCommandSourceHandler {
+
+    private final BranchProfileWritePlatformService branchProfileWritePlatformService;
+
+    @Autowired
+    public UpdateBranchProfileCommandHandler(final BranchProfileWritePlatformService branchProfileWritePlatformService) {
+        this.branchProfileWritePlatformService = branchProfileWritePlatformService;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final Long officeId = command.entityId();
+
+        final CommandProcessingResult result = this.branchProfileWritePlatformService.updateBranchProfile(officeId,
+                command.stringValueOfParameterNamed("branchCode"), command.stringValueOfParameterNamed("branchType"),
+                command.stringValueOfParameterNamed("address"), command.stringValueOfParameterNamed("pincode"),
+                command.stringValueOfParameterNamed("contactPhone"), command.stringValueOfParameterNamed("contactEmail"),
+                command.stringValueOfParameterNamed("workingHoursStart"),
+                command.stringValueOfParameterNamed("workingHoursEnd"), command.stringValueOfParameterNamed("workingDays"),
+                command.stringValueOfParameterNamed("ifscCode"), command.stringValueOfParameterNamed("micrCode"),
+                command.bigDecimalValueOfParameterNamed("latitude"), command.bigDecimalValueOfParameterNamed("longitude"));
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(result.getResourceId()) //
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/handler/UpdateInstitutionProfileCommandHandler.java

@@ -0,0 +1,88 @@
+/**
+ * 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.orgsetup.handler;
+
+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.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.portfolio.orgsetup.service.InstitutionProfileWritePlatformService;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+@Service
+@CommandType(entity = "INSTITUTIONPROFILE", action = "UPDATE")
+public class UpdateInstitutionProfileCommandHandler implements NewCommandSourceHandler {
+
+    private final InstitutionProfileWritePlatformService institutionProfileWritePlatformService;
+
+    @Autowired
+    public UpdateInstitutionProfileCommandHandler(
+            final InstitutionProfileWritePlatformService institutionProfileWritePlatformService) {
+        this.institutionProfileWritePlatformService = institutionProfileWritePlatformService;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult processCommand(final JsonCommand command) {
+
+        final Boolean headOfficeSame = command.parameterExists("headOfficeSameAsRegistered")
+                ? command.booleanObjectValueOfParameterNamed("headOfficeSameAsRegistered") : Boolean.TRUE;
+        final Boolean communicationSame = command.parameterExists("communicationSameAsRegistered")
+                ? command.booleanObjectValueOfParameterNamed("communicationSameAsRegistered") : Boolean.TRUE;
+
+        final CommandProcessingResult result = this.institutionProfileWritePlatformService.updateInstitutionProfile(
+                command.stringValueOfParameterNamed("bankName"), command.stringValueOfParameterNamed("legalName"),
+                command.stringValueOfParameterNamed("shortName"), command.stringValueOfParameterNamed("bankCode"),
+                command.stringValueOfParameterNamed("institutionCode"), command.stringValueOfParameterNamed("bankType"),
+                command.stringValueOfParameterNamed("ownershipType"),
+                command.stringValueOfParameterNamed("parentInstitutionName"),
+                command.stringValueOfParameterNamed("registrationNumber"),
+                command.stringValueOfParameterNamed("licenseNumber"), command.stringValueOfParameterNamed("establishedDate"),
+                command.stringValueOfParameterNamed("status"), command.stringValueOfParameterNamed("country"),
+                command.stringValueOfParameterNamed("regulatoryAuthority"),
+                command.stringValueOfParameterNamed("registrationDate"),
+                command.stringValueOfParameterNamed("licenseStatus"),
+                command.stringValueOfParameterNamed("licenseExpiryDate"), command.stringValueOfParameterNamed("swiftBic"),
+                command.stringValueOfParameterNamed("addressLine1"), command.stringValueOfParameterNamed("addressLine2"),
+                command.stringValueOfParameterNamed("city"), command.stringValueOfParameterNamed("district"),
+                command.stringValueOfParameterNamed("state"), command.stringValueOfParameterNamed("pincode"), headOfficeSame,
+                command.stringValueOfParameterNamed("headOfficeAddress"), communicationSame,
+                command.stringValueOfParameterNamed("communicationAddress"),
+                command.stringValueOfParameterNamed("contactPhone"), command.stringValueOfParameterNamed("contactEmail"),
+                command.stringValueOfParameterNamed("customerCareNumber"),
+                command.stringValueOfParameterNamed("grievanceEmail"), command.stringValueOfParameterNamed("website"),
+                command.stringValueOfParameterNamed("pan"), command.stringValueOfParameterNamed("tan"),
+                command.stringValueOfParameterNamed("gstin"), command.stringValueOfParameterNamed("statementHeaderName"),
+                command.stringValueOfParameterNamed("passbookHeaderName"),
+                command.stringValueOfParameterNamed("receiptHeaderName"),
+                command.stringValueOfParameterNamed("termsAndConditions"),
+                command.stringValueOfParameterNamed("authorizedPersonName"),
+                command.stringValueOfParameterNamed("authorizedPersonDesignation"),
+                command.stringValueOfParameterNamed("authorizedPersonContact"),
+                command.stringValueOfParameterNamed("authorizedPersonEmail"));
+
+        return new CommandProcessingResultBuilder() //
+                .withCommandId(command.commandId()) //
+                .withEntityId(result.getResourceId()) //
+                .build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/service/BranchProfileWritePlatformService.java

@@ -0,0 +1,29 @@
+/**
+ * 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.orgsetup.service;
+
+import java.math.BigDecimal;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+
+public interface BranchProfileWritePlatformService {
+
+    CommandProcessingResult updateBranchProfile(Long officeId, String branchCode, String branchType, String address,
+            String pincode, String contactPhone, String contactEmail, String workingHoursStart, String workingHoursEnd,
+            String workingDays, String ifscCode, String micrCode, BigDecimal latitude, BigDecimal longitude);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/service/BranchProfileWritePlatformServiceImpl.java

@@ -0,0 +1,103 @@
+/**
+ * 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.orgsetup.service;
+
+import java.math.BigDecimal;
+import java.sql.Timestamp;
+import java.time.Instant;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.core.exception.PlatformDataIntegrityException;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Moved verbatim out of {@code BranchProfileApiResource.update()} so the write can be invoked from a
+ * {@code NewCommandSourceHandler} for Maker-Checker support. The resource's own {@code list()} (read)
+ * method is untouched.
+ */
+@Service
+public class BranchProfileWritePlatformServiceImpl implements BranchProfileWritePlatformService {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final PlatformSecurityContext context;
+
+    @Autowired
+    public BranchProfileWritePlatformServiceImpl(final JdbcTemplate jdbcTemplate, final PlatformSecurityContext context) {
+        this.jdbcTemplate = jdbcTemplate;
+        this.context = context;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult updateBranchProfile(final Long officeId, final String branchCode, final String branchType,
+            final String address, final String pincode, final String contactPhone, final String contactEmail,
+            final String workingHoursStart, final String workingHoursEnd, final String workingDays, final String ifscCode,
+            final String micrCode, final BigDecimal latitude, final BigDecimal longitude) {
+
+        final Integer officeExists = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_office WHERE id = ?", Integer.class,
+                officeId);
+        if (officeExists == null || officeExists == 0) {
+            throw new PlatformDataIntegrityException("error.msg.branchprofile.office.not.found",
+                    "Office " + officeId + " was not found.");
+        }
+
+        if (branchCode != null && !branchCode.isBlank()) {
+            final Integer dupe = jdbcTemplate.queryForObject(
+                    "SELECT COUNT(*) FROM m_office_profile WHERE branch_code = ? AND office_id <> ?", Integer.class,
+                    branchCode, officeId);
+            if (dupe != null && dupe > 0) {
+                throw new PlatformDataIntegrityException("error.msg.branchprofile.code.duplicate",
+                        "Branch code '" + branchCode + "' is already used by another branch.");
+            }
+        }
+
+        final AppUser currentUser = this.context.authenticatedUser();
+        final Integer existing = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_office_profile WHERE office_id = ?",
+                Integer.class, officeId);
+        if (existing != null && existing > 0) {
+            jdbcTemplate.update("""
+                    UPDATE m_office_profile
+                       SET branch_code = ?, branch_type = ?, address = ?, pincode = ?, contact_phone = ?, contact_email = ?,
+                           working_hours_start = ?, working_hours_end = ?, working_days = ?,
+                           ifsc_code = ?, micr_code = ?, latitude = ?, longitude = ?,
+                           updated_by_username = ?, updated_at = ?
+                     WHERE office_id = ?
+                    """, branchCode, branchType, address, pincode, contactPhone, contactEmail, workingHoursStart,
+                workingHoursEnd, workingDays, ifscCode, micrCode, latitude, longitude, currentUser.getUsername(),
+                Timestamp.from(Instant.now()), officeId);
+        } else {
+            jdbcTemplate.update("""
+                    INSERT INTO m_office_profile
+                    (office_id, branch_code, branch_type, address, pincode, contact_phone, contact_email,
+                     working_hours_start, working_hours_end, working_days, ifsc_code, micr_code,
+                     latitude, longitude, updated_by_username, updated_at)
+                    VALUES (?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?)
+                    """, officeId, branchCode, branchType, address, pincode, contactPhone, contactEmail, workingHoursStart,
+                workingHoursEnd, workingDays, ifscCode, micrCode, latitude, longitude, currentUser.getUsername(),
+                Timestamp.from(Instant.now()));
+        }
+
+        return new CommandProcessingResultBuilder().withEntityId(officeId).build();
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/service/InstitutionProfileWritePlatformService.java

@@ -0,0 +1,36 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.orgsetup.service;
+
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+
+public interface InstitutionProfileWritePlatformService {
+
+    CommandProcessingResult updateInstitutionProfile(String bankName, String legalName, String shortName, String bankCode,
+            String institutionCode, String bankType, String ownershipType, String parentInstitutionName,
+            String registrationNumber, String licenseNumber, String establishedDate, String status, String country,
+            String regulatoryAuthority, String registrationDate, String licenseStatus, String licenseExpiryDate,
+            String swiftBic, String addressLine1, String addressLine2, String city, String district, String state,
+            String pincode, Boolean headOfficeSameAsRegistered, String headOfficeAddress,
+            Boolean communicationSameAsRegistered, String communicationAddress, String contactPhone, String contactEmail,
+            String customerCareNumber, String grievanceEmail, String website, String pan, String tan, String gstin,
+            String statementHeaderName, String passbookHeaderName, String receiptHeaderName, String termsAndConditions,
+            String authorizedPersonName, String authorizedPersonDesignation, String authorizedPersonContact,
+            String authorizedPersonEmail);
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/orgsetup/service/InstitutionProfileWritePlatformServiceImpl.java

@@ -0,0 +1,134 @@
+/**
+ * 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.orgsetup.service;
+
+import java.sql.Date;
+import java.sql.Timestamp;
+import java.time.Instant;
+import java.time.LocalDate;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResultBuilder;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.apache.fineract.useradministration.domain.AppUser;
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+/**
+ * Moved verbatim out of {@code InstitutionProfileApiResource.update()} so the write can be invoked
+ * from a {@code NewCommandSourceHandler} for Maker-Checker support. {@code ensureRowExists()},
+ * {@code parseDate()} and {@code toSqlDate()} are copies of the resource's own private helpers rather
+ * than shared ones - the resource's untouched {@code get()} method keeps its own copies so this change
+ * does not have to touch that unrelated read path at all.
+ */
+@Service
+public class InstitutionProfileWritePlatformServiceImpl implements InstitutionProfileWritePlatformService {
+
+    private final JdbcTemplate jdbcTemplate;
+    private final PlatformSecurityContext context;
+
+    @Autowired
+    public InstitutionProfileWritePlatformServiceImpl(final JdbcTemplate jdbcTemplate, final PlatformSecurityContext context) {
+        this.jdbcTemplate = jdbcTemplate;
+        this.context = context;
+    }
+
+    @Transactional
+    @Override
+    public CommandProcessingResult updateInstitutionProfile(final String bankName, final String legalName,
+            final String shortName, final String bankCode, final String institutionCode, final String bankType,
+            final String ownershipType, final String parentInstitutionName, final String registrationNumber,
+            final String licenseNumber, final String establishedDate, final String status, final String country,
+            final String regulatoryAuthority, final String registrationDate, final String licenseStatus,
+            final String licenseExpiryDate, final String swiftBic, final String addressLine1, final String addressLine2,
+            final String city, final String district, final String state, final String pincode,
+            final Boolean headOfficeSameAsRegistered, final String headOfficeAddress,
+            final Boolean communicationSameAsRegistered, final String communicationAddress, final String contactPhone,
+            final String contactEmail, final String customerCareNumber, final String grievanceEmail, final String website,
+            final String pan, final String tan, final String gstin, final String statementHeaderName,
+            final String passbookHeaderName, final String receiptHeaderName, final String termsAndConditions,
+            final String authorizedPersonName, final String authorizedPersonDesignation, final String authorizedPersonContact,
+            final String authorizedPersonEmail) {
+
+        ensureRowExists();
+
+        // A status flip is stamped automatically the first time it happens, rather than asking the
+        // user to also remember to set a date — the previous row's own status is what "the first
+        // time" is judged against.
+        final String previousStatus = jdbcTemplate.queryForObject("SELECT status FROM m_institution_profile WHERE id = 1",
+                String.class);
+        final boolean turningActive = "ACTIVE".equalsIgnoreCase(status) && !"ACTIVE".equalsIgnoreCase(previousStatus);
+        final boolean turningInactive = "INACTIVE".equalsIgnoreCase(status) && !"INACTIVE".equalsIgnoreCase(previousStatus);
+        final LocalDate today = LocalDate.now();
+
+        final AppUser currentUser = this.context.authenticatedUser();
+        jdbcTemplate.update("""
+                UPDATE m_institution_profile
+                   SET bank_name = ?, legal_name = ?, short_name = ?, bank_code = ?, institution_code = ?,
+                       bank_type = ?, ownership_type = ?, parent_institution_name = ?,
+                       registration_number = ?, license_number = ?, established_date = ?, status = ?, country = ?,
+                       regulatory_authority = ?, registration_date = ?, license_status = ?, license_expiry_date = ?,
+                       swift_bic = ?,
+                       address_line1 = ?, address_line2 = ?, city = ?, district = ?, state = ?, pincode = ?,
+                       head_office_same_as_registered = ?, head_office_address = ?,
+                       communication_same_as_registered = ?, communication_address = ?,
+                       contact_phone = ?, contact_email = ?, customer_care_number = ?, grievance_email = ?,
+                       website = ?, pan = ?, tan = ?, gstin = ?,
+                       statement_header_name = ?, passbook_header_name = ?, receipt_header_name = ?,
+                       terms_and_conditions = ?,
+                       authorized_person_name = ?, authorized_person_designation = ?, authorized_person_contact = ?,
+                       authorized_person_email = ?,
+                       activation_date = CASE WHEN ? THEN ? ELSE activation_date END,
+                       deactivation_date = CASE WHEN ? THEN ? ELSE deactivation_date END,
+                       updated_by_username = ?, updated_at = ?
+                 WHERE id = 1
+                """, bankName, legalName, shortName, bankCode, institutionCode, bankType, ownershipType,
+            parentInstitutionName, registrationNumber, licenseNumber, toSqlDate(parseDate(establishedDate)), status, country,
+            regulatoryAuthority, toSqlDate(parseDate(registrationDate)), licenseStatus, toSqlDate(parseDate(licenseExpiryDate)),
+            swiftBic, addressLine1, addressLine2, city, district, state, pincode, headOfficeSameAsRegistered,
+            headOfficeAddress, communicationSameAsRegistered, communicationAddress, contactPhone, contactEmail,
+            customerCareNumber, grievanceEmail, website, pan, tan, gstin, statementHeaderName, passbookHeaderName,
+            receiptHeaderName, termsAndConditions, authorizedPersonName, authorizedPersonDesignation,
+            authorizedPersonContact, authorizedPersonEmail, turningActive, toSqlDate(today), turningInactive,
+            toSqlDate(today), currentUser.getUsername(), Timestamp.from(Instant.now()));
+
+        return new CommandProcessingResultBuilder().withEntityId(1L).build();
+    }
+
+    private void ensureRowExists() {
+        final Integer count = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_institution_profile WHERE id = 1",
+                Integer.class);
+        if (count == null || count == 0) {
+            final AppUser currentUser = this.context.authenticatedUser();
+            jdbcTemplate.update("""
+                    INSERT INTO m_institution_profile (id, status, created_by_username, created_at)
+                    VALUES (1, 'ACTIVE', ?, ?)
+                    """, currentUser.getUsername(), Timestamp.from(Instant.now()));
+        }
+    }
+
+    private LocalDate parseDate(final String raw) {
+        return (raw != null && !raw.isBlank()) ? LocalDate.parse(raw) : null;
+    }
+
+    private Date toSqlDate(final LocalDate d) {
+        return d == null ? null : Date.valueOf(d);
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/portfolio/ossreturn/api/OssReturnApiResource.java

@@ -0,0 +1,850 @@
+/**
+ * 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.ossreturn.api;
+
+import com.google.gson.Gson;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.QueryParam;
+import jakarta.ws.rs.core.MediaType;
+import java.math.BigDecimal;
+import java.math.RoundingMode;
+import java.time.LocalDate;
+import java.time.format.DateTimeFormatter;
+import java.time.temporal.TemporalAdjusters;
+import java.util.ArrayList;
+import java.util.Arrays;
+import java.util.LinkedHashMap;
+import java.util.LinkedHashSet;
+import java.util.List;
+import java.util.Locale;
+import java.util.Map;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Live computation of the RBI off-site surveillance returns OSS 1 (RAL) and OSS 2 (RoE).
+ *
+ * <h3>What these returns are</h3>
+ *
+ * OSS 1 is the bank's balance sheet restated on RBI's own line structure; OSS 2 is its profit and
+ * loss account on the same footing. Both are quarterly, both are denominated in thousands of
+ * rupees, and both are filed through RBI's CIMS portal.
+ *
+ * <h3>Where every figure comes from</h3>
+ *
+ * Nothing here is a constant. Each return line names a role; the GL accounts pinned to that role
+ * decide the figure, and the ledger decides its value:
+ *
+ * <ul>
+ * <li><b>Balance-sheet roles</b> (OSS 1) take the closing balance as at the quarter end - every
+ * journal entry on or before that date, on the account's own natural side.</li>
+ * <li><b>Earnings roles</b> (OSS 2) take the movement over the quarter, because an income or
+ * expense line reports what was earned or spent in the period, not a balance carried forward.</li>
+ * <li><b>Counts</b> (depositors, borrowers, members) come from the portfolio tables, since a
+ * headcount has no ledger balance to read.</li>
+ * </ul>
+ *
+ * The bank's own identity - name, RBI bank code, regional office, signatories - is read from
+ * {@code m_institution_profile}, the single place the institution's particulars are maintained.
+ * Nothing about the bank is written into this file.
+ *
+ * <h3>Blank is not zero</h3>
+ *
+ * A role with no accounts pinned to it reports {@code null} and says so in
+ * {@code unmetRequirements}. It never reports 0.00. To RBI a nil figure is an assertion that the
+ * bank holds nothing under that head; an unmapped role is an assertion about nothing at all, and
+ * the two must not be filed as though they were the same statement.
+ */
+@Path("/v1/ossreturn")
+@Component
+@RequiredArgsConstructor
+@Produces({ MediaType.APPLICATION_JSON })
+public class OssReturnApiResource {
+
+    private static final String RESOURCE_NAME_FOR_PERMISSION = "OSSRETURN";
+
+    /** Returns are denominated in thousands of rupees; the ledger is in rupees. */
+    private static final BigDecimal RETURN_SCALE = BigDecimal.valueOf(1000);
+
+    /**
+     * acc_gl_account.classification_enum. Only the debit-natured classifications are named, since
+     * they are what decides which way round a balance is read; everything else is credit-natured.
+     */
+    private static final int ASSET = 1;
+    private static final int INCOME = 4;
+    private static final int EXPENSE = 5;
+
+    /** acc_gl_account.account_usage for a postable (detail) account; anything else is a header. */
+    private static final int POSTABLE_ACCOUNT = 1;
+
+    /**
+     * Pseudo-role for the year's own result. Not a configurable role: it is derived from whatever
+     * income and expense accounts exist, so it cannot be left unmapped and cannot be mapped wrong.
+     */
+    private static final String CURRENT_YEAR_RESULT = "__CURRENT_YEAR_RESULT__";
+
+    /** m_savings_account.status_enum for an active account. */
+    private static final int SAVINGS_ACTIVE = 300;
+
+    /** m_loan.loan_status_id for an active loan. */
+    private static final int LOAN_ACTIVE = 300;
+
+    /**
+     * m_savings_account.deposit_type_enum, per DepositAccountType. RBI's "Term Deposits" head
+     * covers both fixed and recurring deposits, so the two are counted together there.
+     */
+    private static final int SAVINGS_DEPOSIT = 100;
+    private static final List<Integer> TERM_DEPOSIT_TYPES = List.of(200, 300);
+
+    /** How RBI prints dates on the General Information sheet. */
+    private static final DateTimeFormatter RBI_DATE = DateTimeFormatter.ofPattern("dd-MMM-yyyy", Locale.ENGLISH);
+
+    private final JdbcTemplate jdbcTemplate;
+    private final PlatformSecurityContext context;
+    private final Gson gson = new Gson();
+
+    // ─────────────────────────── OSS 1 — RAL ───────────────────────────
+
+    /**
+     * OSS 1 - Return on Assets and Liabilities, return code R070.
+     *
+     * @param quarterEndDateParam
+     *            any date in the quarter being reported; the quarter end is derived from it, so a
+     *            caller never has to know which day a quarter ends on. Defaults to the current
+     *            business date.
+     */
+    @GET
+    @Path("oss1")
+    public String oss1(@QueryParam("quarterEndDate") final String quarterEndDateParam,
+            @QueryParam("officeId") final Long officeId) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSION);
+
+        final LocalDate requested = parseOrBusinessDate(quarterEndDateParam);
+        final Quarter quarter = Quarter.containing(requested);
+
+        final Map<String, Object> response = baseResponse("R070", "Return on Assets and Liabilities (RAL)", quarter,
+                officeId);
+        response.put("basis", Map.of("asOnDate", quarter.end.toString(), "note",
+                "Balance-sheet figures are the closing position as at " + quarter.end
+                        + "; every journal entry on or before that date is included."));
+
+        // Liabilities and assets, in the order the RBI workbook prints them. Each line names the
+        // role whose mapped accounts produce it; a line with no role of its own is a subtotal and
+        // is summed from the lines it covers, never mapped separately.
+        final List<Map<String, Object>> liabilities = new ArrayList<>();
+        final RoleFigures figures = new RoleFigures(quarter, officeId);
+
+        liabilities.add(balanceLine("1. Paid-up Capital", "OSS1_PAID_UP_CAPITAL", figures));
+        liabilities.add(balanceLine("2. Reserve Fund and other Reserves", "OSS1_RESERVES", figures));
+        liabilities.add(balanceLine("3. Profit (+) / Loss (-)", "OSS1_PROFIT_LOSS", figures));
+
+        // The year's own result, which the ledger has not appropriated to reserves yet. RBI prints
+        // it as its own head for exactly that reason: between appropriations the balance sheet is
+        // short by what the bank has earned or lost so far, and without this line the return would
+        // not balance even though the books do. Derived from the income and expense accounts rather
+        // than mapped, since it is not a balance any account carries.
+        final BigDecimal currentYearResult = currentYearResult(quarter, officeId);
+        liabilities.add(derivedLine(
+                currentYearResult.signum() >= 0 ? "3 iii. Operating Surplus in Current year"
+                        : "3 iv. Operating Deficit in Current year",
+                CURRENT_YEAR_RESULT, currentYearResult));
+
+        liabilities.add(subtotal("4. Total Capital And Reserves", liabilities, "OSS1_PAID_UP_CAPITAL", "OSS1_RESERVES",
+                "OSS1_PROFIT_LOSS", CURRENT_YEAR_RESULT));
+        liabilities.add(balanceLine("5. Subordinated Debt (Tier II Capital)", "OSS1_SUBORDINATED_DEBT", figures));
+        liabilities.add(balanceLine("6. Deposits and other Accounts", "OSS1_DEPOSITS", figures));
+        liabilities.add(countLine("Total No of Depositors", countDepositors(officeId, quarter.end, null)));
+        liabilities.add(balanceLine("i. Term Deposits (including recurring deposits)", "OSS1_DEPOSITS_TERM", figures));
+        liabilities.add(
+                countLine("No. of Term Depositors", countDepositors(officeId, quarter.end, TERM_DEPOSIT_TYPES)));
+        liabilities.add(balanceLine("ii. Savings Bank Deposits", "OSS1_DEPOSITS_SAVINGS", figures));
+        liabilities.add(countLine("No of Savings Depositors",
+                countDepositors(officeId, quarter.end, List.of(SAVINGS_DEPOSIT))));
+        liabilities.add(balanceLine("iii. Current Deposits", "OSS1_DEPOSITS_CURRENT", figures));
+        liabilities.add(balanceLine("7. Borrowings", "OSS1_BORROWINGS", figures));
+        liabilities.add(balanceLine("8. Other Liabilities and Provisions", "OSS1_OTHER_LIABILITIES", figures));
+        // The deposit sub-heads are a breakdown of OSS1_DEPOSITS, not additions to it, so the total
+        // names the head and leaves them out rather than counting the same money twice.
+        liabilities.add(subtotal("15. Total Liabilities", liabilities, "OSS1_PAID_UP_CAPITAL", "OSS1_RESERVES",
+                "OSS1_PROFIT_LOSS", CURRENT_YEAR_RESULT, "OSS1_SUBORDINATED_DEBT", "OSS1_DEPOSITS", "OSS1_BORROWINGS",
+                "OSS1_OTHER_LIABILITIES"));
+
+        final List<Map<String, Object>> assets = new ArrayList<>();
+        assets.add(balanceLine("1. Cash in Hand", "OSS1_CASH_IN_HAND", figures));
+        assets.add(balanceLine("2. Balances with Banks", "OSS1_BALANCE_WITH_BANKS", figures));
+        assets.add(balanceLine("3. Investments", "OSS1_INVESTMENTS", figures));
+        assets.add(balanceLine("4. Loans and Advances", "OSS1_LOANS_ADVANCES", figures));
+        assets.add(countLine("Total No of Borrowers", borrowerCount(officeId, quarter.end)));
+        assets.add(balanceLine("5. Fixed Assets", "OSS1_FIXED_ASSETS", figures));
+        assets.add(balanceLine("6. Other Assets", "OSS1_OTHER_ASSETS", figures));
+        assets.add(subtotal("12. Total Assets", assets, "OSS1_CASH_IN_HAND", "OSS1_BALANCE_WITH_BANKS",
+                "OSS1_INVESTMENTS", "OSS1_LOANS_ADVANCES", "OSS1_FIXED_ASSETS", "OSS1_OTHER_ASSETS"));
+
+        response.put("liabilities", liabilities);
+        response.put("assets", assets);
+
+        // Liabilities must equal assets. Reported rather than asserted: an imbalance is a real
+        // condition of the books that the filer has to see, not something to hide behind an error.
+        final BigDecimal totalLiabilities = amountOf(liabilities, "15. Total Liabilities");
+        final BigDecimal totalAssets = amountOf(assets, "12. Total Assets");
+        response.put("totalLiabilities", totalLiabilities);
+        response.put("totalAssets", totalAssets);
+        response.put("balanced", totalLiabilities.compareTo(totalAssets) == 0);
+        response.put("imbalance", totalAssets.subtract(totalLiabilities));
+
+        response.put("unmetRequirements", figures.unmet());
+        response.put("computable", figures.anyConfigured());
+        return gson.toJson(response);
+    }
+
+    // ─────────────────────────── OSS 2 — RoE ───────────────────────────
+
+    /**
+     * OSS 2 - Return on Earnings, return code R071.
+     *
+     * Earnings lines report the movement over the quarter rather than a closing balance, so the
+     * period matters here in a way it does not on OSS 1: the same account read as a balance would
+     * carry forward every earlier quarter's income as well.
+     */
+    @GET
+    @Path("oss2")
+    public String oss2(@QueryParam("quarterEndDate") final String quarterEndDateParam,
+            @QueryParam("officeId") final Long officeId) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSION);
+
+        final LocalDate requested = parseOrBusinessDate(quarterEndDateParam);
+        final Quarter quarter = Quarter.containing(requested);
+
+        final Map<String, Object> response = baseResponse("R071", "Return on Earnings (RoE)", quarter, officeId);
+        response.put("basis", Map.of("fromDate", quarter.start.toString(), "toDate", quarter.end.toString(), "note",
+                "Earnings are the movement over " + quarter.start + " to " + quarter.end
+                        + ", not a closing balance: an income or expense line reports what was earned or spent "
+                        + "in the quarter."));
+
+        final RoleFigures figures = new RoleFigures(quarter, officeId);
+
+        final List<Map<String, Object>> earnings = new ArrayList<>();
+        earnings.add(movementLine("2. Interest/discount received on loans and advances", "OSS2_INTEREST_ON_ADVANCES",
+                figures));
+        earnings.add(movementLine("3. Interest on market lending (to banks)", "OSS2_INTEREST_ON_MARKET_LENDING",
+                figures));
+        earnings.add(movementLine("4. Interest on investments", "OSS2_INTEREST_ON_INVESTMENTS", figures));
+        earnings.add(movementLine("5. Interest on balances with RBI and inter-bank deposits",
+                "OSS2_INTEREST_ON_BANK_BALANCES", figures));
+        earnings.add(subtotal("1. Interest/discount received (2+3+4+5)", earnings, "OSS2_INTEREST_ON_ADVANCES",
+                "OSS2_INTEREST_ON_MARKET_LENDING", "OSS2_INTEREST_ON_INVESTMENTS", "OSS2_INTEREST_ON_BANK_BALANCES"));
+        earnings.add(movementLine("6. Commission, Exchange and Brokerage", "OSS2_COMMISSION_EXCHANGE_BROKERAGE",
+                figures));
+        earnings.add(movementLine("7. Profit on sale of investments", "OSS2_PROFIT_ON_INVESTMENTS", figures));
+        earnings.add(movementLine("8. Other income", "OSS2_OTHER_INCOME", figures));
+
+        final List<Map<String, Object>> expenses = new ArrayList<>();
+        expenses.add(movementLine("10. Interest paid on deposits", "OSS2_INTEREST_PAID_ON_DEPOSITS", figures));
+        expenses.add(movementLine("11. Interest paid on borrowings", "OSS2_INTEREST_PAID_ON_BORROWINGS", figures));
+        expenses.add(movementLine("12. Salaries, allowances and provident fund", "OSS2_STAFF_COST", figures));
+        expenses.add(movementLine("13. Rent, taxes, insurance and lighting", "OSS2_RENT_TAXES_INSURANCE", figures));
+        expenses.add(movementLine("14. Depreciation on bank's property", "OSS2_DEPRECIATION", figures));
+        expenses.add(movementLine("15. Provisions and contingencies", "OSS2_PROVISIONS", figures));
+        expenses.add(movementLine("16. Other operating expenses", "OSS2_OTHER_OPERATING_EXPENSES", figures));
+
+        response.put("earnings", earnings);
+        response.put("expenses", expenses);
+
+        // Item 1 is the sum of items 2 to 5, so total income counts the four components and the
+        // standalone heads - never item 1 as well, which would count that interest twice.
+        final BigDecimal totalIncome = sumOfRoles(earnings, "OSS2_INTEREST_ON_ADVANCES",
+                "OSS2_INTEREST_ON_MARKET_LENDING", "OSS2_INTEREST_ON_INVESTMENTS", "OSS2_INTEREST_ON_BANK_BALANCES",
+                "OSS2_COMMISSION_EXCHANGE_BROKERAGE", "OSS2_PROFIT_ON_INVESTMENTS", "OSS2_OTHER_INCOME");
+        final BigDecimal totalExpenditure = sumOfRoles(expenses, "OSS2_INTEREST_PAID_ON_DEPOSITS",
+                "OSS2_INTEREST_PAID_ON_BORROWINGS", "OSS2_STAFF_COST", "OSS2_RENT_TAXES_INSURANCE",
+                "OSS2_DEPRECIATION", "OSS2_PROVISIONS", "OSS2_OTHER_OPERATING_EXPENSES");
+        response.put("totalIncome", totalIncome);
+        response.put("totalExpenditure", totalExpenditure);
+        response.put("operatingProfit", totalIncome.subtract(totalExpenditure));
+
+        response.put("unmetRequirements", figures.unmet());
+        response.put("computable", figures.anyConfigured());
+        return gson.toJson(response);
+    }
+
+    // ─────────────────────────── shared response scaffolding ───────────────────────────
+
+    /**
+     * The General Information block every OSS return carries, built from the institution's own
+     * particulars so OSS 1 and OSS 2 can never state a different bank from one another.
+     */
+    private Map<String, Object> baseResponse(final String returnCode, final String returnName, final Quarter quarter,
+            final Long officeId) {
+        final Map<String, Object> response = new LinkedHashMap<>();
+        response.put("returnCode", returnCode);
+        response.put("returnName", returnName);
+        response.put("reportingFrequency", "Quarterly");
+
+        final Map<String, Object> profile = institutionProfile();
+        final List<Map<String, Object>> generalInfo = new ArrayList<>();
+        generalInfo.add(info("Return Name", returnName));
+        generalInfo.add(info("Return Code", returnCode));
+        generalInfo.add(info("Bank Name", text(profile.get("bank_name"))));
+        generalInfo.add(info("Bank Code", text(profile.get("bank_code"))));
+        generalInfo.add(info("RO Name", text(profile.get("city"))));
+        generalInfo.add(info("Institution Type", text(profile.get("bank_type"))));
+        generalInfo.add(info("Reporting Frequency", "Quarterly"));
+        generalInfo.add(info("Start Date", quarter.start.format(RBI_DATE)));
+        generalInfo.add(info("Quarter End Date", quarter.end.format(RBI_DATE)));
+        response.put("generalInfo", generalInfo);
+
+        response.put("quarter", Map.of("label", quarter.label, "startDate", quarter.start.toString(), "endDate",
+                quarter.end.toString()));
+        response.put("officeId", officeId);
+        response.put("officeName", officeName(officeId));
+        response.put("signatories", signatories(profile, quarter));
+        return response;
+    }
+
+    /**
+     * The institution's particulars. Absent columns are tolerated rather than fatal: the return
+     * names what is missing on the General Information sheet, which is more useful than refusing to
+     * compute figures that are themselves correct.
+     */
+    private Map<String, Object> institutionProfile() {
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT bank_name, bank_code, bank_type, city, state,
+                       authorized_person_name, authorized_person_designation, authorized_person_email,
+                       contact_phone
+                  FROM m_institution_profile WHERE id = 1
+                """);
+        return rows.isEmpty() ? Map.of() : rows.get(0);
+    }
+
+    /**
+     * The signatory block, taken from the institution's authorised person. Dated to the quarter
+     * end rather than to today, so a return reprinted later still reads as filed for its own
+     * period.
+     */
+    private List<Map<String, Object>> signatories(final Map<String, Object> profile, final Quarter quarter) {
+        final Map<String, Object> signatory = new LinkedHashMap<>();
+        signatory.put("heading", "Authorised Reporting Official");
+        signatory.put("name", text(profile.get("authorized_person_name")));
+        signatory.put("designation", text(profile.get("authorized_person_designation")));
+        signatory.put("email", text(profile.get("authorized_person_email")));
+        signatory.put("telephoneOffice", text(profile.get("contact_phone")));
+        signatory.put("place", text(profile.get("city")));
+        signatory.put("date", quarter.end.format(RBI_DATE));
+        return List.of(signatory);
+    }
+
+    private String officeName(final Long officeId) {
+        if (officeId == null) {
+            return "All offices (consolidated)";
+        }
+        final List<String> names = jdbcTemplate.queryForList("SELECT name FROM m_office WHERE id = ?", String.class,
+                officeId);
+        return names.isEmpty() ? "Office " + officeId : names.get(0);
+    }
+
+    private static Map<String, Object> info(final String label, final String value) {
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("label", label);
+        // An unset particular is reported as such rather than as an empty cell, so a reviewer can
+        // see that it needs maintaining in the institution profile.
+        out.put("value", value.isBlank() ? "Not set in Institution Profile" : value);
+        out.put("configured", !value.isBlank());
+        return out;
+    }
+
+    private static String text(final Object value) {
+        return value == null ? "" : value.toString().trim();
+    }
+
+    // ─────────────────────────── the quarter ───────────────────────────
+
+    /** The reporting quarter a date falls in. RBI quarters run Apr-Jun, Jul-Sep, Oct-Dec, Jan-Mar. */
+    private static final class Quarter {
+
+        final LocalDate start;
+        final LocalDate end;
+        final String label;
+
+        private Quarter(final LocalDate start, final LocalDate end, final String label) {
+            this.start = start;
+            this.end = end;
+            this.label = label;
+        }
+
+        static Quarter containing(final LocalDate date) {
+            final int month = date.getMonthValue();
+            final int startMonth = ((month - 1) / 3) * 3 + 1;
+            final LocalDate start = date.withMonth(startMonth).withDayOfMonth(1);
+            final LocalDate end = start.plusMonths(2).with(TemporalAdjusters.lastDayOfMonth());
+            return new Quarter(start, end, "Q" + ((startMonth - 1) / 3 + 1) + " " + start.getYear());
+        }
+    }
+
+    // ─────────────────────────── figures from the ledger ───────────────────────────
+
+    /**
+     * Resolves return lines to ledger figures, remembering which roles were unmapped or partly
+     * unusable so the return can report them once at the end.
+     */
+    private final class RoleFigures {
+
+        private final Quarter quarter;
+        private final Long officeId;
+        private final List<String> reasons = new ArrayList<>();
+        private boolean anyConfigured;
+
+        RoleFigures(final Quarter quarter, final Long officeId) {
+            this.quarter = quarter;
+            this.officeId = officeId;
+        }
+
+        /** Closing balance as at the quarter end - for the balance-sheet lines of OSS 1. */
+        RoleFigure closing(final String roleKey) {
+            return figureFor(roleKey, null, quarter.end, officeId, this);
+        }
+
+        /** Movement over the quarter - for the earnings lines of OSS 2. */
+        RoleFigure movement(final String roleKey) {
+            return figureFor(roleKey, quarter.start, quarter.end, officeId, this);
+        }
+
+        /**
+         * Named by the line as the return prints it rather than by the role key: the reader is
+         * looking at a return, and "Investments" is what they will look for on the configuration
+         * screen, not OSS1_INVESTMENTS.
+         */
+        void noteUnmapped(final String roleKey) {
+            reasons.add(lineName(roleKey) + " — no GL accounts mapped, so this line reports nothing.");
+        }
+
+        void noteExcluded(final String roleKey, final List<String> excluded) {
+            reasons.add(lineName(roleKey) + " — leaves out " + String.join(", ", excluded)
+                    + ", mapped but no longer postable. The figure shown is short by them.");
+        }
+
+        void noteConfigured() {
+            anyConfigured = true;
+        }
+
+        boolean anyConfigured() {
+            return anyConfigured;
+        }
+
+        List<String> unmet() {
+            return reasons;
+        }
+    }
+
+    /** A role's figure, plus whether it was configured at all - zero and unset are different. */
+    private static final class RoleFigure {
+
+        final String roleKey;
+        boolean configured;
+        BigDecimal amount = BigDecimal.ZERO;
+        final List<Map<String, Object>> accounts = new ArrayList<>();
+        final List<String> excluded = new ArrayList<>();
+
+        RoleFigure(final String roleKey) {
+            this.roleKey = roleKey;
+        }
+    }
+
+    /**
+     * Sums the GL accounts pinned to a role.
+     *
+     * With {@code fromDate} null the figure is the closing balance as at {@code toDate}; with a
+     * from-date it is the movement between the two, which is what an earnings line reports.
+     *
+     * Every pinned account is read back, usable or not. Filtering the unusable ones out in SQL
+     * would shrink the figure with nothing on the return to say an account had dropped out, so
+     * they are carried through and named instead.
+     */
+    private RoleFigure figureFor(final String roleKey, final LocalDate fromDate, final LocalDate toDate,
+            final Long officeId, final RoleFigures owner) {
+        final RoleFigure figure = new RoleFigure(roleKey);
+
+        final List<Map<String, Object>> accounts = jdbcTemplate.queryForList("""
+                SELECT a.id, a.name, a.gl_code, a.classification_enum, a.disabled, a.account_usage
+                  FROM m_rbi_reserve_gl_config c
+                  JOIN acc_gl_account a ON a.id = c.gl_account_id
+                 WHERE c.config_key = ?
+                 ORDER BY a.gl_code
+                """, roleKey);
+        if (accounts.isEmpty()) {
+            owner.noteUnmapped(roleKey);
+            return figure;
+        }
+        figure.configured = true;
+        owner.noteConfigured();
+
+        for (final Map<String, Object> account : accounts) {
+            final Long accountId = ((Number) account.get("id")).longValue();
+            final int classification = ((Number) account.get("classification_enum")).intValue();
+            final String glCode = text(account.get("gl_code"));
+
+            // A pinned account can stop being usable after it was mapped: disabled, or turned into
+            // a header whose balance is the sum of its children and would double-count them.
+            final boolean disabled = Boolean.TRUE.equals(account.get("disabled"));
+            final boolean header = account.get("account_usage") != null
+                    && ((Number) account.get("account_usage")).intValue() != POSTABLE_ACCOUNT;
+            if (disabled || header) {
+                figure.excluded
+                        .add(glCode + " — " + text(account.get("name")) + (disabled ? " (disabled)" : " (header)"));
+                final Map<String, Object> skipped = new LinkedHashMap<>();
+                skipped.put("glAccountId", accountId);
+                skipped.put("glCode", glCode);
+                skipped.put("name", text(account.get("name")));
+                skipped.put("balance", null);
+                skipped.put("excluded", disabled ? "disabled" : "header");
+                figure.accounts.add(skipped);
+                continue;
+            }
+
+            final BigDecimal balance = balanceOf(accountId, classification, fromDate, toDate, officeId);
+            figure.amount = figure.amount.add(balance);
+
+            final Map<String, Object> detail = new LinkedHashMap<>();
+            detail.put("glAccountId", accountId);
+            detail.put("glCode", glCode);
+            detail.put("name", text(account.get("name")));
+            detail.put("balance", scaled(balance));
+            figure.accounts.add(detail);
+        }
+
+        if (!figure.excluded.isEmpty()) {
+            owner.noteExcluded(roleKey, figure.excluded);
+        }
+        return figure;
+    }
+
+    /**
+     * One account's ledger figure, on its own natural side so a liability reports positive rather
+     * than as a negative asset.
+     *
+     * Reversed entries and the reversal entries that cancel them are both excluded, so a reversal
+     * nets to nothing rather than to twice the original.
+     */
+    private BigDecimal balanceOf(final Long accountId, final int classification, final LocalDate fromDate,
+            final LocalDate toDate, final Long officeId) {
+        final StringBuilder sql = new StringBuilder("""
+                SELECT COALESCE(SUM(CASE WHEN type_enum = 2 THEN amount ELSE 0 END), 0) AS total_debit,
+                       COALESCE(SUM(CASE WHEN type_enum = 1 THEN amount ELSE 0 END), 0) AS total_credit
+                  FROM acc_gl_journal_entry
+                 WHERE account_id = ? AND entry_date <= ?
+                   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)
+                """);
+        final List<Object> args = new ArrayList<>();
+        args.add(accountId);
+        args.add(java.sql.Date.valueOf(toDate));
+        if (fromDate != null) {
+            sql.append(" AND entry_date >= ?");
+            args.add(java.sql.Date.valueOf(fromDate));
+        }
+        if (officeId != null) {
+            sql.append(" AND office_id = ?");
+            args.add(officeId);
+        }
+
+        final Map<String, Object> row = jdbcTemplate.queryForMap(sql.toString(), args.toArray());
+        final BigDecimal debit = toDecimal(row.get("total_debit"));
+        final BigDecimal credit = toDecimal(row.get("total_credit"));
+        final boolean debitNatured = classification == ASSET || classification == EXPENSE;
+        return debitNatured ? debit.subtract(credit) : credit.subtract(debit);
+    }
+
+    /**
+     * A role's name as the return prints it, for the caveats. Falls back to the key so a role
+     * added without a name here degrades to something readable rather than to nothing.
+     */
+    private static String lineName(final String roleKey) {
+        return LINE_NAMES.getOrDefault(roleKey, roleKey);
+    }
+
+    private static final Map<String, String> LINE_NAMES = new LinkedHashMap<>();
+    static {
+        LINE_NAMES.put("OSS1_PAID_UP_CAPITAL", "Paid-up Capital");
+        LINE_NAMES.put("OSS1_RESERVES", "Reserve Fund and other Reserves");
+        LINE_NAMES.put("OSS1_PROFIT_LOSS", "Profit / Loss");
+        LINE_NAMES.put("OSS1_SUBORDINATED_DEBT", "Subordinated Debt (Tier II Capital)");
+        LINE_NAMES.put("OSS1_DEPOSITS", "Deposits and other Accounts");
+        LINE_NAMES.put("OSS1_DEPOSITS_TERM", "Term Deposits");
+        LINE_NAMES.put("OSS1_DEPOSITS_SAVINGS", "Savings Bank Deposits");
+        LINE_NAMES.put("OSS1_DEPOSITS_CURRENT", "Current Deposits");
+        LINE_NAMES.put("OSS1_BORROWINGS", "Borrowings");
+        LINE_NAMES.put("OSS1_OTHER_LIABILITIES", "Other Liabilities and Provisions");
+        LINE_NAMES.put("OSS1_CASH_IN_HAND", "Cash in Hand");
+        LINE_NAMES.put("OSS1_BALANCE_WITH_BANKS", "Balances with Banks");
+        LINE_NAMES.put("OSS1_INVESTMENTS", "Investments");
+        LINE_NAMES.put("OSS1_LOANS_ADVANCES", "Loans and Advances");
+        LINE_NAMES.put("OSS1_FIXED_ASSETS", "Fixed Assets");
+        LINE_NAMES.put("OSS1_OTHER_ASSETS", "Other Assets");
+
+        LINE_NAMES.put("OSS2_INTEREST_ON_ADVANCES", "Interest on loans and advances");
+        LINE_NAMES.put("OSS2_INTEREST_ON_MARKET_LENDING", "Interest on market lending");
+        LINE_NAMES.put("OSS2_INTEREST_ON_INVESTMENTS", "Interest on investments");
+        LINE_NAMES.put("OSS2_INTEREST_ON_BANK_BALANCES", "Interest on bank balances");
+        LINE_NAMES.put("OSS2_COMMISSION_EXCHANGE_BROKERAGE", "Commission, Exchange and Brokerage");
+        LINE_NAMES.put("OSS2_PROFIT_ON_INVESTMENTS", "Profit on sale of investments");
+        LINE_NAMES.put("OSS2_OTHER_INCOME", "Other income");
+        LINE_NAMES.put("OSS2_INTEREST_PAID_ON_DEPOSITS", "Interest paid on deposits");
+        LINE_NAMES.put("OSS2_INTEREST_PAID_ON_BORROWINGS", "Interest paid on borrowings");
+        LINE_NAMES.put("OSS2_STAFF_COST", "Salaries, allowances and provident fund");
+        LINE_NAMES.put("OSS2_RENT_TAXES_INSURANCE", "Rent, taxes, insurance and lighting");
+        LINE_NAMES.put("OSS2_DEPRECIATION", "Depreciation");
+        LINE_NAMES.put("OSS2_PROVISIONS", "Provisions and contingencies");
+        LINE_NAMES.put("OSS2_OTHER_OPERATING_EXPENSES", "Other operating expenses");
+    }
+
+    /** JDBC returns SUM() as whichever numeric type the driver picks; normalise it. */
+    private static BigDecimal toDecimal(final Object value) {
+        if (value == null) {
+            return BigDecimal.ZERO;
+        }
+        return value instanceof BigDecimal decimal ? decimal : new BigDecimal(value.toString());
+    }
+
+    /** Rupees to the thousands the return is denominated in. */
+    private static BigDecimal scaled(final BigDecimal rupees) {
+        return rupees.divide(RETURN_SCALE, 2, RoundingMode.HALF_UP);
+    }
+
+    // ─────────────────────────── headcounts ───────────────────────────
+
+    /**
+     * Depositors as at a date - distinct clients holding a deposit account open on that date.
+     * Counted per client rather than per account, because a customer with three accounts is one
+     * depositor on the return.
+     *
+     * An account is open on the date if it was active by then and had not yet closed. Reading it
+     * this way, rather than by today's status, is what lets an earlier quarter be reprinted and
+     * still report the headcount that was true then.
+     */
+    private Long countDepositors(final Long officeId, final LocalDate asOn, final List<Integer> depositTypes) {
+        final StringBuilder sql = new StringBuilder("""
+                SELECT COUNT(DISTINCT sa.client_id)
+                  FROM m_savings_account sa
+                  JOIN m_client c ON c.id = sa.client_id
+                 WHERE sa.status_enum = ?
+                   AND sa.activatedon_date IS NOT NULL
+                   AND sa.activatedon_date <= ?
+                   AND (sa.closedon_date IS NULL OR sa.closedon_date > ?)
+                """);
+        final List<Object> args = new ArrayList<>();
+        args.add(SAVINGS_ACTIVE);
+        args.add(java.sql.Date.valueOf(asOn));
+        args.add(java.sql.Date.valueOf(asOn));
+        if (depositTypes != null && !depositTypes.isEmpty()) {
+            sql.append(" AND sa.deposit_type_enum IN (")
+                    .append(String.join(", ", depositTypes.stream().map(t -> "?").toList())).append(")");
+            args.addAll(depositTypes);
+        }
+        if (officeId != null) {
+            sql.append(" AND c.office_id = ?");
+            args.add(officeId);
+        }
+        final Long count = jdbcTemplate.queryForObject(sql.toString(), Long.class, args.toArray());
+        return count == null ? 0L : count;
+    }
+
+    /**
+     * The financial year's result up to the quarter end: income earned less expenses incurred.
+     *
+     * Read across every income and expense account rather than the mapped ones, because this line
+     * exists to close the gap between the balance sheet and the books. A figure limited to mapped
+     * accounts would leave the return short by whatever was not mapped, which is the very problem
+     * the line is here to solve.
+     *
+     * The year starts on 1 April, as the Indian financial year does.
+     */
+    private BigDecimal currentYearResult(final Quarter quarter, final Long officeId) {
+        final LocalDate yearStart = financialYearStart(quarter.end);
+
+        final StringBuilder sql = new StringBuilder("""
+                SELECT COALESCE(SUM(CASE WHEN a.classification_enum = ?
+                                         THEN CASE WHEN je.type_enum = 1 THEN je.amount ELSE -je.amount END
+                                         ELSE CASE WHEN je.type_enum = 2 THEN -je.amount ELSE je.amount END
+                                    END), 0) AS result
+                  FROM acc_gl_journal_entry je
+                  JOIN acc_gl_account a ON a.id = je.account_id
+                 WHERE a.classification_enum IN (?, ?)
+                   AND je.entry_date >= ? AND je.entry_date <= ?
+                   AND (je.reversed IS NULL OR je.reversed = false)
+                   AND je.id NOT IN (SELECT reversal_id FROM acc_gl_journal_entry WHERE reversal_id IS NOT NULL)
+                """);
+        final List<Object> args = new ArrayList<>();
+        args.add(INCOME);
+        args.add(INCOME);
+        args.add(EXPENSE);
+        args.add(java.sql.Date.valueOf(yearStart));
+        args.add(java.sql.Date.valueOf(quarter.end));
+        if (officeId != null) {
+            sql.append(" AND je.office_id = ?");
+            args.add(officeId);
+        }
+
+        final BigDecimal result = jdbcTemplate.queryForObject(sql.toString(), BigDecimal.class, args.toArray());
+        return result == null ? BigDecimal.ZERO : result;
+    }
+
+    /** 1 April of the financial year a date falls in. */
+    private static LocalDate financialYearStart(final LocalDate date) {
+        final int year = date.getMonthValue() >= 4 ? date.getYear() : date.getYear() - 1;
+        return LocalDate.of(year, 4, 1);
+    }
+
+    /** Borrowers as at a date - distinct clients with a loan outstanding on that date. */
+    private Long borrowerCount(final Long officeId, final LocalDate asOn) {
+        final StringBuilder sql = new StringBuilder("""
+                SELECT COUNT(DISTINCT l.client_id)
+                  FROM m_loan l
+                  JOIN m_client c ON c.id = l.client_id
+                 WHERE l.loan_status_id = ?
+                   AND l.disbursedon_date IS NOT NULL
+                   AND l.disbursedon_date <= ?
+                """);
+        final List<Object> args = new ArrayList<>();
+        args.add(LOAN_ACTIVE);
+        args.add(java.sql.Date.valueOf(asOn));
+        if (officeId != null) {
+            sql.append(" AND c.office_id = ?");
+            args.add(officeId);
+        }
+        final Long count = jdbcTemplate.queryForObject(sql.toString(), Long.class, args.toArray());
+        return count == null ? 0L : count;
+    }
+
+    // ─────────────────────────── line builders ───────────────────────────
+
+    private Map<String, Object> balanceLine(final String label, final String roleKey, final RoleFigures figures) {
+        return line(label, figures.closing(roleKey));
+    }
+
+    private Map<String, Object> movementLine(final String label, final String roleKey, final RoleFigures figures) {
+        return line(label, figures.movement(roleKey));
+    }
+
+    private static Map<String, Object> line(final String label, final RoleFigure figure) {
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("label", label);
+        out.put("roleKey", figure.roleKey);
+        out.put("configured", figure.configured);
+        // Null rather than zero when unmapped: the screen must be able to tell "nothing mapped"
+        // from "mapped and genuinely nil".
+        out.put("amount", figure.configured ? scaled(figure.amount) : null);
+        out.put("accounts", figure.accounts);
+        out.put("subtotal", false);
+        return out;
+    }
+
+    /**
+     * A figure the return computes for itself rather than reading from mapped accounts.
+     *
+     * It carries a role key so the subtotals can name it like any other component, but that key is
+     * not a configurable role: nothing can leave it unmapped, and nothing can map it wrong.
+     */
+    private static Map<String, Object> derivedLine(final String label, final String roleKey,
+            final BigDecimal rupees) {
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("label", label);
+        out.put("roleKey", roleKey);
+        out.put("configured", true);
+        out.put("amount", scaled(rupees));
+        out.put("accounts", List.of());
+        out.put("derived", true);
+        out.put("subtotal", false);
+        return out;
+    }
+
+    private static Map<String, Object> countLine(final String label, final Long count) {
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("label", label);
+        out.put("roleKey", null);
+        out.put("configured", true);
+        out.put("amount", count);
+        out.put("accounts", List.of());
+        out.put("count", true);
+        out.put("subtotal", false);
+        return out;
+    }
+
+    /**
+     * A derived row, summed from the roles it names. Subtotals are never mapped to accounts of
+     * their own - a total and its components mapped separately would disagree the moment one side
+     * changed - and they name their components explicitly rather than summing whatever happens to
+     * sit above them, so inserting a line cannot silently change a total.
+     */
+    private static Map<String, Object> subtotal(final String label, final List<Map<String, Object>> section,
+            final String... ofRoles) {
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("label", label);
+        out.put("roleKey", null);
+        out.put("configured", true);
+        out.put("amount", sumOfRoles(section, ofRoles));
+        out.put("accounts", List.of());
+        out.put("components", List.of(ofRoles));
+        out.put("subtotal", true);
+        return out;
+    }
+
+    /** The amount already computed for a labelled row, so a total is never derived twice. */
+    private static BigDecimal amountOf(final List<Map<String, Object>> section, final String label) {
+        for (final Map<String, Object> line : section) {
+            if (label.equals(line.get("label")) && line.get("amount") instanceof BigDecimal decimal) {
+                return decimal;
+            }
+        }
+        return BigDecimal.ZERO;
+    }
+
+    /**
+     * Sums the named roles out of a section.
+     *
+     * A component that is unmapped contributes nothing, which is why the return still reports
+     * {@code unmetRequirements}: the total is arithmetically right for what is mapped, and short by
+     * whatever is not.
+     */
+    private static BigDecimal sumOfRoles(final List<Map<String, Object>> section, final String... roles) {
+        final Set<String> wanted = new LinkedHashSet<>(Arrays.asList(roles));
+        BigDecimal total = BigDecimal.ZERO;
+        for (final Map<String, Object> line : section) {
+            // Subtotals and headcounts carry no role of their own, so their key is null. Matched by
+            // the role rather than by a null-tolerant lookup, so a derived row can never be summed
+            // into the total that derives it.
+            final Object roleKey = line.get("roleKey");
+            if (roleKey == null || !wanted.contains(roleKey.toString())) {
+                continue;
+            }
+            if (line.get("amount") instanceof BigDecimal decimal) {
+                total = total.add(decimal);
+            }
+        }
+        return total;
+    }
+
+    private static LocalDate parseOrBusinessDate(final String param) {
+        return (param == null || param.isBlank()) ? DateUtils.getBusinessLocalDate() : LocalDate.parse(param);
+    }
+}

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

@@ -0,0 +1,352 @@
+/**
+ * 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.rbireserve.api;
+
+import com.google.gson.Gson;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import jakarta.ws.rs.Consumes;
+import jakarta.ws.rs.DELETE;
+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.util.ArrayList;
+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.security.service.PlatformSecurityContext;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Saved Form A / Form 9 returns: keeping a generated return so it can be read again later exactly as
+ * it was generated.
+ *
+ * A saved return is served from its stored snapshot, never recomputed. Recomputing would quietly
+ * produce a different statement from the one that was reviewed or filed - a backdated journal entry,
+ * a changed GL mapping or a corrected rate all move figures that were already reported - and a
+ * report whose figures change after it was filed is worse than no report at all.
+ *
+ * Deliberately not maker-checker: saving a snapshot changes no balance and posts no entry. The
+ * filing lifecycle (draft, checked, approved, submitted) is what carries the approval, and that is
+ * recorded on the row's status rather than in a separate command queue.
+ */
+@Path("/v1/rbiformafiling")
+@Component
+@RequiredArgsConstructor
+@Produces({ MediaType.APPLICATION_JSON })
+public class RbiFormAFilingApiResource {
+
+    private static final String RESOURCE_NAME_FOR_PERMISSION = "RBIFORMAFILING";
+
+    /**
+     * The filing lifecycle RBI's own timetable implies: a return is drafted, checked and approved
+     * inside the bank, sent provisionally within a week of the fortnight ending and finally within
+     * twenty days, and revised if a figure turns out wrong after that.
+     */
+    private static final List<String> STATUSES = List.of("DRAFT", "GENERATED", "CHECKED", "APPROVED",
+            "PROVISIONAL_SUBMITTED", "FINAL_SUBMITTED", "REVISED");
+
+    private final JdbcTemplate jdbcTemplate;
+    private final PlatformSecurityContext context;
+    private final FromJsonHelper fromJsonHelper;
+    private final Gson gson = new Gson();
+
+    /** Saved returns, newest first. The stored snapshot is left out - the list does not need it. */
+    @GET
+    public String retrieveAll(@QueryParam("formCode") final String formCode) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSION);
+
+        final StringBuilder sql = new StringBuilder("""
+                SELECT f.id, f.form_code, f.reporting_date, f.fortnight_end, f.period_start, f.period_end,
+                       f.status, f.ndtl_amount, f.required_amount, f.maintained_amount, f.average_maintained,
+                       f.rate_percentage, f.remarks, f.submitted_on, f.created_on, u.username AS created_by_name
+                  FROM m_rbi_form_a_filing f
+                  LEFT JOIN m_appuser u ON u.id = f.created_by
+                """);
+        final List<Object> args = new ArrayList<>();
+        if (formCode != null && !formCode.isBlank()) {
+            sql.append(" WHERE f.form_code = ?");
+            args.add(formCode);
+        }
+        sql.append(" ORDER BY f.reporting_date DESC, f.id DESC");
+
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList(sql.toString(), args.toArray());
+        final List<Map<String, Object>> out = new ArrayList<>();
+        for (final Map<String, Object> row : rows) {
+            out.add(toSummary(row));
+        }
+        return gson.toJson(out);
+    }
+
+    /** One saved return, with the snapshot, so the screen can render exactly what was saved. */
+    @GET
+    @Path("{filingId}")
+    public String retrieveOne(@PathParam("filingId") final Long filingId) {
+        this.context.authenticatedUser().validateHasReadPermission(RESOURCE_NAME_FOR_PERMISSION);
+
+        final List<Map<String, Object>> rows = jdbcTemplate.queryForList("""
+                SELECT f.id, f.form_code, f.reporting_date, f.fortnight_end, f.period_start, f.period_end,
+                       f.status, f.ndtl_amount, f.required_amount, f.maintained_amount, f.average_maintained,
+                       f.rate_percentage, f.remarks, f.submitted_on, f.created_on, f.report_json,
+                       u.username AS created_by_name
+                  FROM m_rbi_form_a_filing f
+                  LEFT JOIN m_appuser u ON u.id = f.created_by
+                 WHERE f.id = ?
+                """, filingId);
+        if (rows.isEmpty()) {
+            throw new PlatformDataIntegrityException("error.msg.rbiformafiling.not.found",
+                    "Saved return " + filingId + " was not found.");
+        }
+        final Map<String, Object> row = rows.get(0);
+        final Map<String, Object> out = toSummary(row);
+
+        // The snapshot is embedded as JSON rather than as a string, so the screen receives the same
+        // shape the live endpoint returns and can render it through the same code path.
+        final String json = (String) row.get("report_json");
+        out.put("report", json == null || json.isBlank() ? null : gson.fromJson(json, JsonObject.class));
+        return gson.toJson(out);
+    }
+
+    /**
+     * Saves a generated return. Re-saving the same form for the same reporting date replaces that
+     * snapshot: regenerating a return for a date already saved is a correction of it, not a second
+     * statement for the same day.
+     */
+    @POST
+    @Consumes({ MediaType.APPLICATION_JSON })
+    public String create(final String body) {
+        this.context.authenticatedUser().validateHasPermissionTo("UPDATE_" + RESOURCE_NAME_FOR_PERMISSION);
+
+        final JsonElement root = this.fromJsonHelper.parse(body);
+        final String formCode = this.fromJsonHelper.extractStringNamed("formCode", root);
+        final LocalDate reportingDate = this.fromJsonHelper.extractLocalDateNamed("reportingDate", root);
+        final String remarks = this.fromJsonHelper.extractStringNamed("remarks", root);
+        final Long officeId = this.fromJsonHelper.extractLongNamed("officeId", root);
+
+        if (formCode == null || formCode.isBlank()) {
+            throw new PlatformDataIntegrityException("error.msg.rbiformafiling.no.form.code",
+                    "The form being saved must be named.");
+        }
+        if (reportingDate == null) {
+            throw new PlatformDataIntegrityException("error.msg.rbiformafiling.no.reporting.date",
+                    "A reporting date is required.");
+        }
+
+        // The return itself, as the screen received it. Stored verbatim: the point of a saved return
+        // is that it does not change afterwards, so nothing here re-derives a figure from it.
+        final JsonObject report = root.getAsJsonObject().getAsJsonObject("report");
+        if (report == null) {
+            throw new PlatformDataIntegrityException("error.msg.rbiformafiling.no.report",
+                    "The generated return must be supplied with the save.");
+        }
+
+        // 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");
+        }
+
+        final Integer existing = jdbcTemplate.queryForObject(
+                "SELECT COUNT(*) FROM m_rbi_form_a_filing WHERE form_code = ? AND reporting_date = ?", Integer.class,
+                formCode, java.sql.Date.valueOf(reportingDate));
+
+        if (existing != null && existing > 0) {
+            jdbcTemplate.update("""
+                    UPDATE m_rbi_form_a_filing
+                       SET report_json = ?, ndtl_amount = ?, required_amount = ?, maintained_amount = ?,
+                           average_maintained = ?, rate_percentage = ?, remarks = ?, office_id = ?,
+                           period_start = ?, period_end = ?, fortnight_end = ?,
+                           lastmodified_on = now(), lastmodified_by = ?
+                     WHERE form_code = ? AND reporting_date = ?
+                    """, gson.toJson(report), ndtl, required, maintained, average, rate, remarks, officeId,
+                    sqlDate(periodStart), sqlDate(periodEnd), sqlDate(periodEnd == null ? reportingDate : periodEnd),
+                    this.context.authenticatedUser().getId(), formCode, java.sql.Date.valueOf(reportingDate));
+        } else {
+            jdbcTemplate.update("""
+                    INSERT INTO m_rbi_form_a_filing
+                        (form_code, reporting_date, fortnight_end, period_start, period_end, status,
+                         report_json, ndtl_amount, required_amount, maintained_amount, average_maintained,
+                         rate_percentage, remarks, office_id, created_on, created_by)
+                    VALUES (?, ?, ?, ?, ?, 'GENERATED', ?, ?, ?, ?, ?, ?, ?, ?, now(), ?)
+                    """, formCode, java.sql.Date.valueOf(reportingDate),
+                    sqlDate(periodEnd == null ? reportingDate : periodEnd), sqlDate(periodStart), sqlDate(periodEnd),
+                    gson.toJson(report), ndtl, required, maintained, average, rate, remarks, officeId,
+                    this.context.authenticatedUser().getId());
+        }
+        return retrieveAll(formCode);
+    }
+
+    /**
+     * Moves a saved return along its filing lifecycle. The snapshot is untouched: a return that has
+     * been checked and submitted must still show the figures it was checked on.
+     */
+    @POST
+    @Path("{filingId}/status")
+    @Consumes({ MediaType.APPLICATION_JSON })
+    public String updateStatus(@PathParam("filingId") final Long filingId, final String body) {
+        this.context.authenticatedUser().validateHasPermissionTo("UPDATE_" + RESOURCE_NAME_FOR_PERMISSION);
+
+        final JsonElement root = this.fromJsonHelper.parse(body);
+        final String status = this.fromJsonHelper.extractStringNamed("status", root);
+        final String remarks = this.fromJsonHelper.extractStringNamed("remarks", root);
+
+        if (status == null || !STATUSES.contains(status)) {
+            throw new PlatformDataIntegrityException("error.msg.rbiformafiling.unknown.status",
+                    "Status must be one of " + STATUSES + ".");
+        }
+        final Integer exists = jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_rbi_form_a_filing WHERE id = ?",
+                Integer.class, filingId);
+        if (exists == null || exists == 0) {
+            throw new PlatformDataIntegrityException("error.msg.rbiformafiling.not.found",
+                    "Saved return " + filingId + " was not found.");
+        }
+
+        // The submission date is stamped when a return is actually sent, and only then - an earlier
+        // stage has nothing to date, and re-stamping on a later stage would lose when it was sent.
+        final boolean submitted = "PROVISIONAL_SUBMITTED".equals(status) || "FINAL_SUBMITTED".equals(status);
+        jdbcTemplate.update("""
+                UPDATE m_rbi_form_a_filing
+                   SET status = ?,
+                       remarks = COALESCE(?, remarks),
+                       submitted_on = CASE WHEN ? THEN COALESCE(submitted_on, CURRENT_DATE) ELSE submitted_on END,
+                       lastmodified_on = now(), lastmodified_by = ?
+                 WHERE id = ?
+                """, status, remarks, submitted, this.context.authenticatedUser().getId(), filingId);
+        return retrieveAll(null);
+    }
+
+    /** Discards a saved return. Only ever removes the snapshot; nothing in the ledger is touched. */
+    @DELETE
+    @Path("{filingId}")
+    public String delete(@PathParam("filingId") final Long filingId) {
+        this.context.authenticatedUser().validateHasPermissionTo("UPDATE_" + RESOURCE_NAME_FOR_PERMISSION);
+
+        final Integer removed = jdbcTemplate.update("DELETE FROM m_rbi_form_a_filing WHERE id = ?", filingId);
+        if (removed == 0) {
+            throw new PlatformDataIntegrityException("error.msg.rbiformafiling.not.found",
+                    "Saved return " + filingId + " was not found.");
+        }
+        return retrieveAll(null);
+    }
+
+    private Map<String, Object> toSummary(final Map<String, Object> row) {
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("id", row.get("id"));
+        out.put("formCode", row.get("form_code"));
+        out.put("reportingDate", str(row.get("reporting_date")));
+        out.put("periodStart", str(row.get("period_start")));
+        out.put("periodEnd", str(row.get("period_end")));
+        out.put("status", row.get("status"));
+        out.put("ndtlAmount", row.get("ndtl_amount"));
+        out.put("requiredAmount", row.get("required_amount"));
+        out.put("maintainedAmount", row.get("maintained_amount"));
+        out.put("averageMaintained", row.get("average_maintained"));
+        out.put("ratePercentage", row.get("rate_percentage"));
+        out.put("remarks", row.get("remarks"));
+        out.put("submittedOn", str(row.get("submitted_on")));
+        out.put("createdOn", str(row.get("created_on")));
+        out.put("createdBy", row.get("created_by_name"));
+        return out;
+    }
+
+    private static String str(final Object value) {
+        return value == null ? null : String.valueOf(value);
+    }
+
+    private static java.sql.Date sqlDate(final LocalDate date) {
+        return date == null ? null : java.sql.Date.valueOf(date);
+    }
+
+    private static BigDecimal decimal(final JsonObject object, final String field) {
+        if (object == null || !object.has(field) || object.get(field).isJsonNull()) {
+            return null;
+        }
+        return object.get(field).getAsBigDecimal();
+    }
+
+    private static LocalDate localDate(final JsonObject object, final String field) {
+        if (object == null || !object.has(field) || object.get(field).isJsonNull()) {
+            return null;
+        }
+        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);
+    }
+}