Add CC accounts tracking, AML rule trial and branch approval fixes

Remove CIBIL enquiry/consent flows; add alert fetch (manual + scheduled),
customer matching, fetch-run log, dashboard and ENQUIRY_ALERT mapping
(Liquibase 0605).

Co-Authored-By: Claude Sonnet 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-charge/src/main/java/org/apache/fineract/portfolio/charge/domain/Charge.java

@@ -80,6 +80,7 @@ public class Charge extends AbstractPersistableCustom<Long> {
     @Column(name = "currency_code", length = 3)
     private String currencyCode;
 
+    @Getter
     @Column(name = "charge_applies_to_enum", nullable = false)
     private Integer chargeAppliesTo;
 

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

@@ -157,12 +157,16 @@ public class CommandSourceService {
         }
         if ("GLACCOUNT".equalsIgnoreCase(commandSource.getEntityName())
                 || "CBSBASEINTERESTRATE".equalsIgnoreCase(commandSource.getEntityName())
+                || "LOANBASEINTERESTRATE".equalsIgnoreCase(commandSource.getEntityName())
+                || "DELINQUENCY_BUCKET".equalsIgnoreCase(commandSource.getEntityName())
+                || "DELINQUENCY_RANGE".equalsIgnoreCase(commandSource.getEntityName())
                 || "CHARGE".equalsIgnoreCase(commandSource.getEntityName())
                 || "LOANPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "SAVINGSPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "CURRENTPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "SHAREPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "FIXEDDEPOSITPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
+                || "RECURRINGDEPOSITPRODUCT".equalsIgnoreCase(commandSource.getEntityName())
                 || "USER".equalsIgnoreCase(commandSource.getEntityName())
                 || "ROLE".equalsIgnoreCase(commandSource.getEntityName())
                 || isDdsEntity(commandSource.getEntityName())) {

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

@@ -95,54 +95,6 @@ public class CommandWrapperBuilder {
         return this;
     }
 
-    public CommandWrapperBuilder createLockerClass() {
-        this.actionName = "CREATE";
-        this.entityName = "LOCKERCLASS";
-        this.entityId = null;
-        this.href = "/lockerclasses";
-        return this;
-    }
-
-    public CommandWrapperBuilder updateLockerClass(final Long lockerClassId) {
-        this.actionName = "UPDATE";
-        this.entityName = "LOCKERCLASS";
-        this.entityId = lockerClassId;
-        this.href = "/lockerclasses/" + lockerClassId;
-        return this;
-    }
-
-    public CommandWrapperBuilder deleteLockerClass(final Long lockerClassId) {
-        this.actionName = "DELETE";
-        this.entityName = "LOCKERCLASS";
-        this.entityId = lockerClassId;
-        this.href = "/lockerclasses/" + lockerClassId;
-        return this;
-    }
-
-    public CommandWrapperBuilder createLockerWaitingList() {
-        this.actionName = "CREATE";
-        this.entityName = "LOCKERWAITINGLIST";
-        this.entityId = null;
-        this.href = "/lockerwaitinglist";
-        return this;
-    }
-
-    public CommandWrapperBuilder updateLockerWaitingList(final Long waitingListId) {
-        this.actionName = "UPDATE";
-        this.entityName = "LOCKERWAITINGLIST";
-        this.entityId = waitingListId;
-        this.href = "/lockerwaitinglist/" + waitingListId;
-        return this;
-    }
-
-    public CommandWrapperBuilder cancelLockerWaitingList(final Long waitingListId) {
-        this.actionName = "CANCEL";
-        this.entityName = "LOCKERWAITINGLIST";
-        this.entityId = waitingListId;
-        this.href = "/lockerwaitinglist/" + waitingListId + "?command=cancel";
-        return this;
-    }
-
     public CommandWrapperBuilder createChequeStockLot() {
         this.actionName = "CREATE";
         this.entityName = "CHEQUESTOCKLOT";
@@ -965,6 +917,14 @@ 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";
@@ -1093,6 +1053,70 @@ 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";
@@ -2436,6 +2460,14 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder createLoanBaseInterestRate() {
+        this.actionName = "CREATE";
+        this.entityName = "LOANBASEINTERESTRATE";
+        this.entityId = null;
+        this.href = "/loanproducts/baseinterestrates";
+        return this;
+    }
+
     public CommandWrapperBuilder updateFixedDepositProduct(final Long productId) {
         this.actionName = "UPDATE";
         this.entityName = "FIXEDDEPOSITPRODUCT";
@@ -3294,6 +3326,15 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    public CommandWrapperBuilder extendTenureRecurringDepositAccount(final Long accountId) {
+        this.actionName = "EXTENDTENURE";
+        this.entityName = "RECURRINGDEPOSITACCOUNT";
+        this.entityId = accountId;
+        this.savingsId = accountId;
+        this.href = "/recurringdepositaccounts/" + accountId + "?command=extendTenure";
+        return this;
+    }
+
     public CommandWrapperBuilder prematureCloseRecurringDepositAccount(final Long accountId) {
         this.actionName = "PREMATURECLOSE";
         this.entityName = "RECURRINGDEPOSITACCOUNT";
@@ -3599,6 +3640,13 @@ 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";
@@ -4939,4 +4987,36 @@ 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/core/config/FineractProperties.java

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

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

@@ -42,7 +42,11 @@ public enum JobName {
     POST_SHARE_ENTRY_FEE_TO_PROFIT("Post Share Entry Fee To Profit"), //
     UPDATE_SAVINGS_DORMANT_ACCOUNTS("Update Savings Dormant Accounts"), //
     APPLY_KYC_EXPIRY_RESTRICTIONS("Apply KYC Expiry Restrictions"), //
+    SEND_KYC_REMINDERS("Send KYC Reminders"), //
+    PROCESS_KYC_NOTICE_QUEUE("Process KYC Notice Queue"), //
     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"), //
@@ -74,6 +78,9 @@ public enum JobName {
     AML_STR_WEEKLY_DIGEST("AML STR Weekly Digest"), //
     POST_DDS_INTEREST("Post DDS Interest"), //
     CLIENT_BEHAVIOUR_WINDOW("Client Behaviour Window Computation"), //
+    SAVE_RBI_FORM_A_RETURN("Save RBI Form A Return"), //
+    EXECUTE_RD_AUTO_DEBIT("Execute RD Auto Debit"), //
+    APPLY_RD_MISSED_INSTALLMENT_PENALTY("Apply RD Missed Installment Penalty"), //
     ; //
 
     private final String name;

fineract-core/src/main/java/org/apache/fineract/organisation/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.commands.domain.CommandWrapper;
-import org.apache.fineract.organisation.monetary.command.CurrencyUpdateCommand;
+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) {
+    public String updateCurrencies(@Valid final CurrencyUpdateRequest request) {
-        final var command = new CurrencyUpdateCommand();
+        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 toApiJsonSerializer.serialize(result);
-
-        return response.get();
     }
 }

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/accountdetails/data/SavingsAccountSummaryData.java

@@ -83,15 +83,24 @@ public class SavingsAccountSummaryData {
      * on. Lets a client's account list collapse a renewal chain into one FD instead of listing each term separately.
      */
     private final Integer renewalCycleNo;
+    /**
+     * The branch this account is held at: the account's own office when it was opened at another branch than the
+     * client's, else the client's (or the group's) office. Lets a customer with accounts at several branches tell
+     * them apart on the client page.
+     */
+    private final Long officeId;
+    private final String officeName;
 
     public SavingsAccountSummaryData(final Long id, final String accountNo, final String externalId, final Long productId,
             final String productName, final String shortProductName, final SavingsAccountStatusEnumData status, final CurrencyData currency,
             final BigDecimal accountBalance, final BigDecimal onHoldFunds, final BigDecimal savingsAmountOnHold,
             final BigDecimal availableBalance, final EnumOptionData accountType, final SavingsAccountApplicationTimelineData timeline,
             final EnumOptionData depositType, final SavingsAccountSubStatusEnumData subStatus, final LocalDate lastActiveTransactionDate,
-            final String fdAccountNumber, final Integer renewalCycleNo) {
+            final String fdAccountNumber, final Integer renewalCycleNo, final Long officeId, final String officeName) {
         this.fdAccountNumber = fdAccountNumber;
         this.renewalCycleNo = renewalCycleNo;
+        this.officeId = officeId;
+        this.officeName = officeName;
         this.id = id;
         this.accountNo = accountNo;
         this.externalId = externalId;

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlAppliesTo.java

@@ -21,7 +21,11 @@ package org.apache.fineract.portfolio.aml.domain;
 /** Which transaction type(s) an {@link AmlTransactionRule} evaluates against. */
 public enum AmlAppliesTo {
 
-    SAVINGS, LOAN, TRANSFER, ALL;
+    /**
+     * CURRENT is a current / Cash Credit account. The engine is not yet fed current-account transactions, so a rule written
+     * for it is catalogued but does not fire until it is.
+     */
+    SAVINGS, LOAN, TRANSFER, CURRENT, ALL;
 
     public boolean matches(AmlTransactionType transactionType) {
         return this == ALL || this.name().equals(transactionType.name());

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlRecurringReview.java

@@ -20,14 +20,12 @@ package org.apache.fineract.portfolio.aml.domain;
 
 import jakarta.persistence.Column;
 import jakarta.persistence.Entity;
-import jakarta.persistence.GeneratedValue;
-import jakarta.persistence.GenerationType;
-import jakarta.persistence.Id;
 import jakarta.persistence.JoinColumn;
 import jakarta.persistence.ManyToOne;
 import jakarta.persistence.Table;
 import java.time.LocalDate;
 import java.time.LocalDateTime;
+import org.apache.fineract.infrastructure.core.domain.AbstractAuditableWithUTCDateTimeCustom;
 import org.apache.fineract.portfolio.client.domain.Client;
 import org.apache.fineract.useradministration.domain.AppUser;
 
@@ -40,11 +38,7 @@ import org.apache.fineract.useradministration.domain.AppUser;
  */
 @Entity
 @Table(name = "m_aml_recurring_review")
-public class AmlRecurringReview {
+public class AmlRecurringReview extends AbstractAuditableWithUTCDateTimeCustom<Long> {
-
-    @Id
-    @GeneratedValue(strategy = GenerationType.IDENTITY)
-    private Long id;
 
     @ManyToOne(optional = false)
     @JoinColumn(name = "client_id", nullable = false)
@@ -107,10 +101,6 @@ public class AmlRecurringReview {
         this.alertsActioned = count;
     }
 
-    public Long getId() {
-        return id;
-    }
-
     public Client getClient() {
         return client;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/aml/domain/AmlTransactionRule.java

@@ -152,6 +152,15 @@ public class AmlTransactionRule {
         return rule;
     }
 
+    /**
+     * Narrows a rule to one direction - CREDIT (money in) or DEBIT (money out), null for either - and, when asked, to cash
+     * only. The engine already honours both; a rule written without them applies to every credit and debit, cash or not.
+     */
+    public void restrictTo(final String direction, final boolean cashOnly) {
+        this.direction = direction;
+        this.cashOnly = cashOnly;
+    }
+
     public Long getId() {
         return id;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/AadhaarHash.java

@@ -0,0 +1,61 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.client.domain;
+
+import java.util.regex.Pattern;
+
+/**
+ * The comparable fingerprint of an Aadhaar number: the SHA-256 of the 12 digits, as 64 lowercase hex characters.
+ *
+ * <p>
+ * The hash is computed by the client (browser) and only the hash is sent. The KYC create/update calls go through the
+ * command source, which records the request body in an audit table and in the log, so the 12-digit number must not be
+ * in the body. The server therefore never sees the number and only checks that what it was given has the shape of a
+ * SHA-256 digest.
+ *
+ * <p>
+ * A plain, unkeyed SHA-256 of a 12-digit number can be reversed by trying every possible number, so this column is a
+ * lookup key, not protection against someone who can read the table.
+ */
+public final class AadhaarHash {
+
+    private static final Pattern SHA256_HEX = Pattern.compile("^[0-9a-f]{64}$");
+
+    private AadhaarHash() {}
+
+    /** True when the value has the shape of a lowercase hex SHA-256 digest. */
+    public static boolean isValid(final String value) {
+        return value != null && SHA256_HEX.matcher(value).matches();
+    }
+
+    /**
+     * The value trimmed and lower-cased when it is a well-formed digest; null for blank input. A non-blank value that
+     * is not a digest is rejected rather than silently dropped, so a client bug cannot disable the duplicate check.
+     */
+    public static String normalizeOrNull(final String raw) {
+        if (raw == null || raw.isBlank()) {
+            return null;
+        }
+        final String candidate = raw.trim().toLowerCase();
+        if (!isValid(candidate)) {
+            throw new IllegalArgumentException("aadhaarHash must be a 64-character hex SHA-256 digest");
+        }
+        return candidate;
+    }
+}

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKyc.java

@@ -151,6 +151,13 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
     @Column(name = "aadhaar_number_masked", length = 12)
     private String aadhaarNumberMasked;
 
+    /**
+     * SHA-256 of the 12-digit Aadhaar, computed client-side (see {@link AadhaarHash}). The masked form cannot tell two
+     * people apart; this can. Null for rows that predate the column and for clients with no Aadhaar.
+     */
+    @Column(name = "aadhaar_hash", length = 64)
+    private String aadhaarHash;
+
     @Column(name = "aadhaar_verified", nullable = false)
     private boolean aadhaarVerified;
 
@@ -391,6 +398,7 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
                 command.stringValueOfParameterNamed("aadhaarNumberMasked"),
                 command.stringValueOfParameterNamed("gstinNumber"),
                 command.stringValueOfParameterNamed("remarks"));
+        kyc.aadhaarHash = AadhaarHash.normalizeOrNull(command.stringValueOfParameterNamed("aadhaarHash"));
         kyc.applyExtendedFields(command);
         return kyc;
     }
@@ -493,6 +501,21 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
             actualChanges.put(aadhaarParam, newValue);
             recordOverwrite(aadhaarParam, this.aadhaarNumberMasked);
             this.aadhaarNumberMasked = StringUtils.defaultIfEmpty(newValue, null);
+            // The Aadhaar was removed: the fingerprint of the old number must not outlive it.
+            if (this.aadhaarNumberMasked == null) {
+                this.aadhaarHash = null;
+            }
+        }
+
+        // Only the fingerprint is sent, never the number. Reported as a flag, not a value, because the changes map
+        // is echoed back in the API response.
+        final String aadhaarHashParam = "aadhaarHash";
+        if (command.parameterExists(aadhaarHashParam)) {
+            final String newHash = AadhaarHash.normalizeOrNull(command.stringValueOfParameterNamed(aadhaarHashParam));
+            if (newHash != null && !newHash.equals(this.aadhaarHash)) {
+                this.aadhaarHash = newHash;
+                actualChanges.put("aadhaarIdentityUpdated", true);
+            }
         }
 
         final String gstinParam = "gstinNumber";
@@ -1050,6 +1073,10 @@ public class ClientKyc extends AbstractAuditableWithUTCDateTimeCustom<Long> {
         return aadhaarNumberMasked;
     }
 
+    public String getAadhaarHash() {
+        return aadhaarHash;
+    }
+
     public boolean isAadhaarVerified() {
         return aadhaarVerified;
     }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKycContactLogRepository.java

@@ -27,6 +27,13 @@ public interface ClientKycContactLogRepository extends JpaRepository<ClientKycCo
 
     List<ClientKycContactLog> findByClientIdOrderByContactedAtAsc(Long clientId);
 
+    /** True when a notice carrying this marker has already reached a final outcome on the channel. */
+    boolean existsByClientIdAndChannelAndNotesStartingWithAndDeliveryStatusIn(Long clientId, KycContactChannel channel,
+            String markerPrefix, java.util.Collection<KycContactDeliveryStatus> statuses);
+
+    /** How many times a marked notice has been tried on the channel — bounds the retries of a failing gateway. */
+    long countByClientIdAndChannelAndNotesStartingWith(Long clientId, KycContactChannel channel, String markerPrefix);
+
     /**
      * Every contact log for the given clients in one round trip, so the exceptions grid can render
      * "last contacted" for the whole page without an N+1 query per row.

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientKycRepository.java

@@ -61,6 +61,18 @@ public interface ClientKycRepository extends JpaRepository<ClientKyc, Long> {
             + "AND k.kycStatus <> :rejectedStatus ORDER BY k.expiryDate ASC")
     List<ClientKyc> findLapsedAsOn(@Param("asOn") LocalDate asOn, @Param("rejectedStatus") Integer rejectedStatus);
 
+    /**
+     * KYC records whose re-KYC falls due after {@code asOn} but no later than {@code until}, soonest first.
+     *
+     * <p>The complement of {@link #findLapsedAsOn}: a record is in one list or the other, never both, so the
+     * two together cover everything that needs the branch's attention. Rejected records are excluded for
+     * the same reason as there.
+     */
+    @Query("SELECT k FROM ClientKyc k WHERE k.expiryDate IS NOT NULL AND k.expiryDate > :asOn "
+            + "AND k.expiryDate <= :until AND k.kycStatus <> :rejectedStatus ORDER BY k.expiryDate ASC")
+    List<ClientKyc> findExpiringBetween(@Param("asOn") LocalDate asOn, @Param("until") LocalDate until,
+            @Param("rejectedStatus") Integer rejectedStatus);
+
     // ── Pre-KYC uniqueness probes ───────────────────────────────────────────
     // Why: stop a second client from being created with the same PAN / Aadhaar / GSTIN BEFORE the
     // external KYC API is called, so we don't burn vendor calls on duplicate-identity records. PAN

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/ClientRiskRule.java

@@ -27,6 +27,7 @@ import jakarta.persistence.JoinColumn;
 import jakarta.persistence.ManyToOne;
 import jakarta.persistence.Table;
 import java.math.BigDecimal;
+import java.time.LocalDate;
 import org.apache.fineract.infrastructure.codes.domain.CodeValue;
 
 @Entity
@@ -110,11 +111,57 @@ public class ClientRiskRule {
     @Column(name = "rule_kind", length = 10)
     private String ruleKind;
 
+    /**
+     * Whether this scenario applies to Cash Credit accounts - a current account that is allowed to draw an overdraft
+     * against a sanctioned limit. Lets the Rules Master show, in one place, every scenario that watches a CC account,
+     * whatever its coverage status.
+     */
+    @Column(name = "cc_relevant", nullable = false)
+    private boolean ccRelevant;
+
+    /**
+     * A rule authored from the Rules Master starts on trial: it is listed first and marked new until an officer marks it
+     * normal. Every rule that was already in the catalog is normal.
+     */
+    @Column(name = "on_trial", nullable = false)
+    private boolean onTrial;
+
+    @Column(name = "trial_started_on")
+    private LocalDate trialStartedOn;
+
     public static final String KIND_KYC = "KYC";
     public static final String KIND_AML = "AML";
 
     protected ClientRiskRule() {}
 
+    public boolean isCcRelevant() {
+        return ccRelevant;
+    }
+
+    public boolean isOnTrial() {
+        return onTrial;
+    }
+
+    public LocalDate getTrialStartedOn() {
+        return trialStartedOn;
+    }
+
+    /** Puts a newly authored rule on trial from {@code startedOn}. */
+    public void startTrial(final LocalDate startedOn) {
+        this.onTrial = true;
+        this.trialStartedOn = startedOn;
+    }
+
+    /** Ends the trial: the rule is a normal part of the catalog. */
+    public void markNormal() {
+        this.onTrial = false;
+    }
+
+    /** Marks the scenario as one that watches Cash Credit accounts, so the Rules Master CC chip lists it. */
+    public void markCcRelevant(final boolean ccRelevant) {
+        this.ccRelevant = ccRelevant;
+    }
+
     /**
      * Builds a rule authored from the AML Rules Master screen. Occupation and occupation-category
      * are attached separately by the caller, which owns the CodeValue lookup.

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/search/SearchingClientRepository.java

@@ -26,7 +26,8 @@ public interface SearchingClientRepository {
     /**
      * @param legalFormValue null = no filter; 1 = Individual only; 2 = Non-Individual only.
      *                       Driven by the legal-form enum on Client (LegalForm.PERSON / .ENTITY).
+     * @param officeId       null = no filter; otherwise only clients of that office, still inside officeHierarchy.
      */
     Page<SearchedClient> searchByText(String searchText, Pageable pageable, String officeHierarchy, boolean activeOnly,
-            Integer legalFormValue);
+            Integer legalFormValue, Long officeId);
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/client/domain/search/SearchingClientRepositoryImpl.java

@@ -53,7 +53,7 @@ public class SearchingClientRepositoryImpl implements SearchingClientRepository
 
     @Override
     public Page<SearchedClient> searchByText(String searchText, Pageable pageable, String officeHierarchy, boolean activeOnly,
-            Integer legalFormValue) {
+            Integer legalFormValue, Long officeId) {
         /*
          * this whole thing can be replaced with Spring Data JPA 3+ with a findBy(Specification, Pageable) call but at
          * this point the upgrade is too costly
@@ -62,6 +62,9 @@ public class SearchingClientRepositoryImpl implements SearchingClientRepository
          */
         String hierarchyLikeValue = officeHierarchy + "%";
 
+        // Customers of other branches that hold an account at the caller's branch are listed here too.
+        final List<Long> linkedClientIds = clientIdsWithAccountAtBranch(hierarchyLikeValue);
+
         CriteriaBuilder cb = entityManager.getCriteriaBuilder();
         CriteriaQuery<SearchedClient> query = cb.createQuery(SearchedClient.class);
 
@@ -74,7 +77,8 @@ public class SearchingClientRepositoryImpl implements SearchingClientRepository
             Join<Client, ClientIdentifier> identity = r.join("identifiers", JoinType.LEFT);
 
             List<Predicate> predicates = new ArrayList<>();
-            predicates.add(cb.like(o.get("hierarchy"), hierarchyLikeValue));
+            final Predicate inHierarchy = cb.like(o.get("hierarchy"), hierarchyLikeValue);
+            predicates.add(linkedClientIds.isEmpty() ? inHierarchy : cb.or(inHierarchy, r.get("id").in(linkedClientIds)));
 
             String searchLikeValue = "%" + searchText + "%";
             predicates.add(cb.or(cb.like(r.get("accountNumber"), searchLikeValue), cb.like(r.get("cifNumber"), searchLikeValue),
@@ -93,6 +97,11 @@ public class SearchingClientRepositoryImpl implements SearchingClientRepository
                 predicates.add(cb.equal(r.get("legalForm"), legalFormValue));
             }
 
+            // Branch filter. ANDed with the hierarchy predicate above, so it can only narrow results.
+            if (officeId != null) {
+                predicates.add(cb.equal(o.get("id"), officeId));
+            }
+
             return cb.and(predicates.toArray(new Predicate[0]));
         };
         criteriaQueryFactory.applySpecificationToCriteria(root, spec, query);
@@ -108,4 +117,27 @@ public class SearchingClientRepositoryImpl implements SearchingClientRepository
 
         return criteriaQueryFactory.readPage(queryToExecute, Client.class, pageable, spec);
     }
+
+    /**
+     * Ids of clients holding an account (savings, fixed or recurring deposit, or current) at an office at or below the
+     * given hierarchy pattern, whatever office the client itself belongs to. Only accounts opened at a branch other than
+     * the client's carry their own office, so this is empty for a branch with no such customers, and for Head Office.
+     * Being linked to a branch is deliberately not enough to be listed there.
+     */
+    @SuppressWarnings("unchecked")
+    private List<Long> clientIdsWithAccountAtBranch(final String hierarchyLikeValue) {
+        final List<Object> rows = entityManager.createNativeQuery(
+                "SELECT sa.client_id FROM m_savings_account sa JOIN m_office ao ON ao.id = sa.office_id "
+                        + "WHERE sa.client_id IS NOT NULL AND ao.hierarchy LIKE ?1 "
+                        + "UNION SELECT ca.client_id FROM m_current_account ca JOIN m_office co ON co.id = ca.office_id "
+                        + "WHERE ca.client_id IS NOT NULL AND co.hierarchy LIKE ?2")
+                // Positional, not named: EclipseLink passes a native query's ":h" to PostgreSQL as written, which fails
+                // with a syntax error and took the whole client list down with it.
+                .setParameter(1, hierarchyLikeValue).setParameter(2, hierarchyLikeValue).getResultList();
+        final List<Long> ids = new ArrayList<>(rows.size());
+        for (final Object row : rows) {
+            ids.add(((Number) row).longValue());
+        }
+        return ids;
+    }
 }

fineract-core/src/main/java/org/apache/fineract/portfolio/note/domain/NoteType.java

@@ -32,6 +32,7 @@ public enum NoteType {
     GROUP(600, "noteType.group", "groups", "Group note"), //
     SHARE_ACCOUNT(700, "noteType.shares", "accounts/share", "Share account note"), //
     SAVINGS_TRANSACTION(800, "noteType.savings.transaction", "savingsTransactions", "Savings transaction note"), //
+    CURRENT_ACCOUNT(900, "noteType.currentaccount", "currentaccounts", "Current account note"), //
     ;
 
     public static final NoteType[] VALUES = values();

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) {
+    public String createPaymentType(final PaymentTypeCreateRequest request) {
-        final var command = new PaymentTypeCreateCommand();
+        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 jsonSerializer.serialize(result);
-
-        return response.get();
     }
 
     @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,
+    public String updatePaymentType(@PathParam("paymentTypeId") final Long paymentTypeId, final PaymentTypeUpdateRequest request) {
-            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 jsonSerializer.serialize(result);
-
-        return response.get();
     }
 
     @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 jsonSerializer.serialize(result);
-
-        return response.get();
     }
 }

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 org.apache.fineract.commands.annotation.CommandType;
-import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
-import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
-import org.apache.fineract.command.core.Command;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
-import org.apache.fineract.command.core.CommandHandler;
+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
+@Service
-@Component
+@CommandType(entity = "PAYMENTTYPE", action = "CREATE")
-@RequiredArgsConstructor
+public class PaymentTypeCreateCommandHandler implements NewCommandSourceHandler {
-public class PaymentTypeCreateCommandHandler implements CommandHandler<PaymentTypeCreateRequest, PaymentTypeCreateResponse> {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeCreate", fallbackMethod = "fallback")
+    @Autowired
-    @Override
+    public PaymentTypeCreateCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
-    @Transactional
+        this.paymentTypeWriteService = paymentTypeWriteService;
-    public PaymentTypeCreateResponse handle(Command<PaymentTypeCreateRequest> command) {
-        return paymentTypeWriteService.createPaymentType(command.getPayload());
     }
 
+    @Transactional
     @Override
-    public PaymentTypeCreateResponse fallback(Command<PaymentTypeCreateRequest> command, Throwable t) {
+    public CommandProcessingResult processCommand(final JsonCommand command) {
-        return CommandHandler.super.fallback(command, t);
+
+        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 org.apache.fineract.commands.annotation.CommandType;
-import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
-import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
-import org.apache.fineract.command.core.Command;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
-import org.apache.fineract.command.core.CommandHandler;
+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
+@Service
-@Component
+@CommandType(entity = "PAYMENTTYPE", action = "DELETE")
-@RequiredArgsConstructor
+public class PaymentTypeDeleteCommandHandler implements NewCommandSourceHandler {
-public class PaymentTypeDeleteCommandHandler implements CommandHandler<PaymentTypeDeleteRequest, PaymentTypeDeleteResponse> {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeDelete", fallbackMethod = "fallback")
+    @Autowired
-    @Override
+    public PaymentTypeDeleteCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
-    @Transactional
+        this.paymentTypeWriteService = paymentTypeWriteService;
-    public PaymentTypeDeleteResponse handle(Command<PaymentTypeDeleteRequest> command) {
-        return paymentTypeWriteService.deletePaymentType(command.getPayload());
     }
 
+    @Transactional
     @Override
-    public PaymentTypeDeleteResponse fallback(Command<PaymentTypeDeleteRequest> command, Throwable t) {
+    public CommandProcessingResult processCommand(final JsonCommand command) {
-        return CommandHandler.super.fallback(command, t);
+
+        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 org.apache.fineract.commands.annotation.CommandType;
-import lombok.RequiredArgsConstructor;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
-import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
-import org.apache.fineract.command.core.Command;
+import org.apache.fineract.infrastructure.core.data.CommandProcessingResult;
-import org.apache.fineract.command.core.CommandHandler;
+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
+@Service
-@Component
+@CommandType(entity = "PAYMENTTYPE", action = "UPDATE")
-@RequiredArgsConstructor
+public class PaymentTypeUpdateCommandHandler implements NewCommandSourceHandler {
-public class PaymentTypeUpdateCommandHandler implements CommandHandler<PaymentTypeUpdateRequest, PaymentTypeUpdateResponse> {
 
     private final PaymentTypeWriteService paymentTypeWriteService;
 
-    @Retry(name = "commandPaymentTypeUpdate", fallbackMethod = "fallback")
+    @Autowired
-    @Override
+    public PaymentTypeUpdateCommandHandler(final PaymentTypeWriteService paymentTypeWriteService) {
-    @Transactional
+        this.paymentTypeWriteService = paymentTypeWriteService;
-    public PaymentTypeUpdateResponse handle(Command<PaymentTypeUpdateRequest> command) {
-        return paymentTypeWriteService.updatePaymentType(command.getPayload());
     }
 
+    @Transactional
     @Override
-    public PaymentTypeUpdateResponse fallback(Command<PaymentTypeUpdateRequest> command, Throwable t) {
+    public CommandProcessingResult processCommand(final JsonCommand command) {
-        return CommandHandler.super.fallback(command, t);
+
+        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

@@ -287,6 +287,15 @@ 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

@@ -153,6 +153,11 @@ 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;
@@ -383,6 +388,11 @@ 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,
+            // A daily compounding period compounds day by day inside itself, so simple interest has to bypass it - zeroing
-                    this.interestCalculationType, compoundInterestValues.getcompoundedInterest(), this.interestRateAsFraction,
+            // what is carried between periods alone still left a month's interest earning interest within the month.
-                    this.daysInYear, this.minBalanceForInterestCalculation.getAmount(), this.overdraftInterestRateAsFraction,
+            final BigDecimal interestUnrounded = compoundInterestValues.isSimpleInterest()
-                    this.minOverdraftForInterestCalculation.getAmount());
+                    && 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/CurrentAccountReadPlatformService.java

@@ -28,10 +28,22 @@ public interface CurrentAccountReadPlatformService {
 
     Map<String, Object> retrieveOneTransaction(Long accountId, Long transactionId);
 
+    /** The account's charges from m_current_account_charge; chargeStatus is all, active or inactive. */
+    List<Map<String, Object>> retrieveCharges(Long accountId, String chargeStatus);
+
+    Map<String, Object> retrieveCharge(Long accountId, Long accountChargeId);
+
+    /** Template for adding a charge: the active current-account charges in the account's currency. */
+    Map<String, Object> retrieveChargeTemplate(Long accountId);
+
     List<Map<String, Object>> retrieveAll();
 
     List<Map<String, Object>> retrieveAll(Integer offset, Integer limit, String accountNo, String clientName);
 
     List<Map<String, Object>> retrieveAll(Integer offset, Integer limit, String accountNo, String clientName,
             String status, LocalDate fromDate, LocalDate toDate, LocalDate asOnDate);
+
+    /** As above; with {@code overdraftOnly}, only the Cash Credit accounts - those that allow an overdraft. */
+    List<Map<String, Object>> retrieveAll(Integer offset, Integer limit, String accountNo, String clientName,
+            String status, LocalDate fromDate, LocalDate toDate, LocalDate asOnDate, boolean overdraftOnly);
 }

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 boolean allowOverdraft = this.fromApiJsonHelper.parameterExists(allowOverdraftParamName, element)
-            final BigDecimal overdraftLimit = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(overdraftLimitParamName, element);
+                ? BooleanUtils.isTrue(this.fromApiJsonHelper.extractBooleanNamed(allowOverdraftParamName, element))
-            baseDataValidator.reset().parameter(overdraftLimitParamName).value(overdraftLimit).ignoreIfNull().zeroOrPositiveAmount();
+                : 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(overdraftLimitParamName).value(maxLimit).notNull().positiveAmount();
-            baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(nominalAnnualInterestRateOverdraft).ignoreIfNull().zeroOrPositiveAmount();
+        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)) {
+        baseDataValidator.reset().parameter(nominalAnnualInterestRateOverdraftParamName).value(rate).notNull().positiveAmount()
-            final BigDecimal minOverdraftForInterestCalculation = this.fromApiJsonHelper.extractBigDecimalWithLocaleNamed(minOverdraftForInterestCalculationParamName, element);
+                .notGreaterThanMax(MAX_OVERDRAFT_RATE);
-            baseDataValidator.reset().parameter(minOverdraftForInterestCalculationParamName).value(minOverdraftForInterestCalculation).ignoreIfNull().zeroOrPositiveAmount();
+        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,
+            // Under the product's own CURRENT type, never SAVING: see CurrentProductGlMappingWriter.
-                    DepositAccountType.SAVINGS_DEPOSIT);
+            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.glMappingWriter.write(product.getId(), command,
-            final Map<String, Object> accountingMappingChanges = this.accountMappingWritePlatformService
+                    product.getAccountingType());
-                    .updateSavingsProductToGLAccountMapping(product.getId(), command, accountingTypeChanged, product.getAccountingType(),
-                            DepositAccountType.SAVINGS_DEPOSIT);
             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-loan/src/main/java/org/apache/fineract/portfolio/loanaccount/domain/transactionprocessor/impl/FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor.java

@@ -0,0 +1,189 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.impl;
+
+import java.time.LocalDate;
+import java.util.List;
+import java.util.Set;
+import org.apache.fineract.infrastructure.core.service.ExternalIdFactory;
+import org.apache.fineract.organisation.monetary.domain.MonetaryCurrency;
+import org.apache.fineract.organisation.monetary.domain.Money;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanCharge;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanRepaymentScheduleInstallment;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransaction;
+import org.apache.fineract.portfolio.loanaccount.domain.LoanTransactionToRepaymentScheduleMapping;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.AbstractLoanRepaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.domain.transactionprocessor.LoanRepaymentScheduleTransactionProcessor;
+import org.apache.fineract.portfolio.loanaccount.serialization.LoanChargeValidator;
+import org.apache.fineract.portfolio.loanaccount.service.LoanBalanceService;
+
+/**
+ * {@link LoanRepaymentScheduleTransactionProcessor} that pays off components in order of fees, penalties, interest,
+ * then principal.
+ *
+ * Other formulas exist on fineract where you can choose 'Declining-Balance Interest Recalculation' which simply means,
+ * recalculate the interest component based on the how much principal is outstanding at a point in time; but this isnt
+ * trying to model that option only the basic one for now.
+ */
+@SuppressWarnings("unused")
+public class FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor extends AbstractLoanRepaymentScheduleTransactionProcessor {
+
+    public static final String STRATEGY_CODE = "fees-penalties-interest-principal-order-strategy";
+
+    public static final String STRATEGY_NAME = "Fees, Penalties, Interest, Principal Order";
+
+    public FeesPenaltyInterestPrincipalOrderLoanRepaymentScheduleTransactionProcessor(final ExternalIdFactory externalIdFactory,
+            final LoanChargeValidator loanChargeValidator, final LoanBalanceService loanBalanceService) {
+        super(externalIdFactory, loanChargeValidator, loanBalanceService);
+    }
+
+    @Override
+    public String getCode() {
+        return STRATEGY_CODE;
+    }
+
+    @Override
+    public String getName() {
+        return STRATEGY_NAME;
+    }
+
+    /**
+     * For early/'in advance' repayments, pay off in the same way as on-time payments, interest first then principal.
+     */
+    @Override
+    protected Money handleTransactionThatIsPaymentInAdvanceOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final List<LoanRepaymentScheduleInstallment> installments, final LoanTransaction loanTransaction, final Money paymentInAdvance,
+            List<LoanTransactionToRepaymentScheduleMapping> transactionMappings, Set<LoanCharge> charges) {
+
+        return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, paymentInAdvance, transactionMappings,
+                charges);
+    }
+
+    /**
+     * For late repayments, pay off in the same way as on-time payments, interest first then principal.
+     */
+    @Override
+    protected Money handleTransactionThatIsALateRepaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final List<LoanRepaymentScheduleInstallment> installments, final LoanTransaction loanTransaction,
+            final Money transactionAmountUnprocessed, List<LoanTransactionToRepaymentScheduleMapping> transactionMappings,
+            Set<LoanCharge> charges) {
+
+        return handleTransactionThatIsOnTimePaymentOfInstallment(currentInstallment, loanTransaction, transactionAmountUnprocessed,
+                transactionMappings, charges);
+    }
+
+    /**
+     * For normal on-time repayments, pays off interest first, then principal.
+     */
+    @Override
+    protected Money handleTransactionThatIsOnTimePaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final LoanTransaction loanTransaction, final Money transactionAmountUnprocessed,
+            List<LoanTransactionToRepaymentScheduleMapping> transactionMappings, Set<LoanCharge> charges) {
+
+        final LocalDate transactionDate = loanTransaction.getTransactionDate();
+        final MonetaryCurrency currency = transactionAmountUnprocessed.getCurrency();
+        Money transactionAmountRemaining = transactionAmountUnprocessed;
+        Money principalPortion = Money.zero(transactionAmountRemaining.getCurrency());
+        Money interestPortion = Money.zero(transactionAmountRemaining.getCurrency());
+        Money feeChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
+        Money penaltyChargesPortion = Money.zero(transactionAmountRemaining.getCurrency());
+
+        if (loanTransaction.isChargesWaiver()) {
+            penaltyChargesPortion = currentInstallment.waivePenaltyChargesComponent(transactionDate,
+                    loanTransaction.getPenaltyChargesPortion(currency));
+            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+
+            feeChargesPortion = currentInstallment.waiveFeeChargesComponent(transactionDate,
+                    loanTransaction.getFeeChargesPortion(currency));
+            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+
+        } else if (loanTransaction.isInterestWaiver()) {
+            interestPortion = currentInstallment.waiveInterestComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
+
+            loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        } else if (loanTransaction.isChargePayment()) {
+            if (loanTransaction.isPenaltyPayment()) {
+                penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
+                transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+            } else {
+                feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
+                transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+            }
+            loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        } else {
+            feeChargesPortion = currentInstallment.payFeeChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+
+            penaltyChargesPortion = currentInstallment.payPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+
+            interestPortion = currentInstallment.payInterestComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
+
+            principalPortion = currentInstallment.payPrincipalComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
+
+            loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        }
+        if (principalPortion.plus(interestPortion).plus(feeChargesPortion).plus(penaltyChargesPortion).isGreaterThanZero()) {
+            transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(loanTransaction, currentInstallment,
+                    principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion));
+        }
+        return transactionAmountRemaining;
+    }
+
+    @Override
+    protected Money handleRefundTransactionPaymentOfInstallment(final LoanRepaymentScheduleInstallment currentInstallment,
+            final LoanTransaction loanTransaction, final Money transactionAmountUnprocessed,
+            List<LoanTransactionToRepaymentScheduleMapping> transactionMappings) {
+
+        final LocalDate transactionDate = loanTransaction.getTransactionDate();
+        final MonetaryCurrency currency = transactionAmountUnprocessed.getCurrency();
+        Money transactionAmountRemaining = transactionAmountUnprocessed;
+        Money principalPortion = Money.zero(currency);
+        Money interestPortion = Money.zero(currency);
+        Money feeChargesPortion = Money.zero(currency);
+        Money penaltyChargesPortion = Money.zero(currency);
+
+        principalPortion = currentInstallment.unpayPrincipalComponent(transactionDate, transactionAmountRemaining);
+        transactionAmountRemaining = transactionAmountRemaining.minus(principalPortion);
+
+        if (transactionAmountRemaining.isGreaterThanZero()) {
+            interestPortion = currentInstallment.unpayInterestComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(interestPortion);
+        }
+
+        if (transactionAmountRemaining.isGreaterThanZero()) {
+            penaltyChargesPortion = currentInstallment.unpayPenaltyChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(penaltyChargesPortion);
+        }
+
+        if (transactionAmountRemaining.isGreaterThanZero()) {
+            feeChargesPortion = currentInstallment.unpayFeeChargesComponent(transactionDate, transactionAmountRemaining);
+            transactionAmountRemaining = transactionAmountRemaining.minus(feeChargesPortion);
+        }
+        loanTransaction.updateComponents(principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion);
+        if (principalPortion.plus(interestPortion).plus(feeChargesPortion).plus(penaltyChargesPortion).isGreaterThanZero()) {
+            transactionMappings.add(LoanTransactionToRepaymentScheduleMapping.createFrom(loanTransaction, currentInstallment,
+                    principalPortion, interestPortion, feeChargesPortion, penaltyChargesPortion));
+        }
+        return transactionAmountRemaining;
+    }
+}

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

@@ -16,13 +16,15 @@
  * specific language governing permissions and limitations
  * under the License.
  */
-package org.apache.fineract.portfolio.locker.exception;
+package org.apache.fineract.portfolio.loanaccount.starter;
 
-import org.apache.fineract.infrastructure.core.exception.AbstractPlatformResourceNotFoundException;
+import org.apache.fineract.infrastructure.core.condition.PropertiesCondition;
+import org.apache.fineract.infrastructure.core.config.FineractProperties;
 
-public class LockerWaitingListNotFoundException extends AbstractPlatformResourceNotFoundException {
+public class FeesPenaltiesInterestPrincipalLoanRepaymentScheduleTransactionProcessorCondition extends PropertiesCondition {
 
-    public LockerWaitingListNotFoundException(final Long id) {
+    @Override
-        super("error.msg.lockerwaitinglist.id.invalid", "Locker waiting list entry " + id + " does not exist", id);
+    protected boolean matches(FineractProperties properties) {
+        return properties.getLoan().getTransactionProcessor().getFeesPenaltiesInterestPrincipal().isEnabled();
     }
 }

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

fineract-provider/src/main/java/org/apache/fineract/accounting/glaccount/validation/GLAccountTransactionGuard.java

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

fineract-provider/src/main/java/org/apache/fineract/accounting/interbranch/api/InterBranchTransferApiResource.java

@@ -0,0 +1,197 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.accounting.interbranch.api;
+
+import com.google.gson.Gson;
+import com.google.gson.GsonBuilder;
+import com.google.gson.JsonArray;
+import com.google.gson.JsonElement;
+import com.google.gson.JsonObject;
+import jakarta.ws.rs.GET;
+import jakarta.ws.rs.Path;
+import jakarta.ws.rs.PathParam;
+import jakarta.ws.rs.Produces;
+import jakarta.ws.rs.core.MediaType;
+import java.util.ArrayList;
+import java.util.LinkedHashMap;
+import java.util.LinkedHashSet;
+import java.util.List;
+import java.util.Map;
+import java.util.Set;
+import lombok.RequiredArgsConstructor;
+import org.apache.fineract.infrastructure.security.service.PlatformSecurityContext;
+import org.springframework.jdbc.core.JdbcTemplate;
+import org.springframework.stereotype.Component;
+
+/**
+ * Tells a person looking at one ledger transaction whether it is one branch's part of a transfer between branches.
+ *
+ * <p>
+ * A transfer between accounts at different branches is posted as one ledger transaction per branch, joined through the
+ * Liability Transfer account. Looking at either part on its own shows only two ledger lines, with nothing to say it has
+ * another part in another branch. The bank transfer log records the ledger ids of every part, so given any one of them
+ * this reports the whole transfer: who it moved money from and to, in which branches, and who raised and approved it.
+ */
+@Path("/v1/accounting/interbranchtransfers")
+@Component
+@RequiredArgsConstructor
+@Produces(MediaType.APPLICATION_JSON)
+public class InterBranchTransferApiResource {
+
+    private final PlatformSecurityContext context;
+    private final JdbcTemplate jdbcTemplate;
+    private final Gson gson = new GsonBuilder().serializeNulls().create();
+
+    @GET
+    @Path("{transactionId}")
+    public String retrieve(@PathParam("transactionId") final String transactionId) {
+        this.context.authenticatedUser().validateHasReadPermission("JOURNALENTRY");
+
+        // Ledger transaction ids are short alphanumeric strings; anything else cannot be one.
+        if (transactionId == null || !transactionId.matches("[A-Za-z0-9_-]{1,50}")) {
+            return notInterBranch();
+        }
+
+        final List<Map<String, Object>> logs = this.jdbcTemplate.queryForList(
+                "SELECT voucher_no, total_amount, gl_txn_id, debit_entries, credit_entries, status FROM m_bank_transfer_log "
+                        + "WHERE (',' || gl_txn_id || ',') LIKE ? ORDER BY id DESC LIMIT 1",
+                "%," + transactionId + ",%");
+        if (logs.isEmpty()) {
+            return notInterBranch();
+        }
+        final Map<String, Object> log = logs.get(0);
+
+        final List<Map<String, Object>> from = legsOf(log.get("debit_entries"));
+        final List<Map<String, Object>> to = legsOf(log.get("credit_entries"));
+
+        final Set<Object> branchIds = new LinkedHashSet<>();
+        for (final Map<String, Object> leg : from) {
+            branchIds.add(leg.get("branchId"));
+        }
+        for (final Map<String, Object> leg : to) {
+            branchIds.add(leg.get("branchId"));
+        }
+        branchIds.remove(null);
+        if (branchIds.size() < 2) {
+            return notInterBranch();
+        }
+
+        final Map<String, Object> out = new LinkedHashMap<>();
+        out.put("interBranch", true);
+        out.put("voucherNo", log.get("voucher_no"));
+        out.put("amount", log.get("total_amount"));
+        out.put("status", log.get("status"));
+        out.put("thisTransactionId", transactionId);
+        out.put("from", from);
+        out.put("to", to);
+        out.put("parts", partsOf(String.valueOf(log.get("gl_txn_id"))));
+
+        // Raised and approved by: the clerk's request, when the transfer went through approval.
+        final List<Map<String, Object>> requests = this.jdbcTemplate.queryForList(
+                "SELECT clerk_name, manager_name, submitted_at, actioned_at FROM m_clerk_disbursement_request WHERE voucher_no = ? "
+                        + "ORDER BY id DESC LIMIT 1",
+                log.get("voucher_no"));
+        if (!requests.isEmpty()) {
+            final Map<String, Object> request = requests.get(0);
+            out.put("raisedBy", request.get("clerk_name"));
+            out.put("raisedAt", isoOf(request.get("submitted_at")));
+            out.put("approvedBy", request.get("manager_name"));
+            out.put("approvedAt", isoOf(request.get("actioned_at")));
+        }
+        return this.gson.toJson(out);
+    }
+
+    private String notInterBranch() {
+        return "{\"interBranch\":false}";
+    }
+
+    /** Each account on one side of the transfer, with the branch its books are in. */
+    private List<Map<String, Object>> legsOf(final Object storedJson) {
+        final List<Map<String, Object>> legs = new ArrayList<>();
+        if (storedJson == null) {
+            return legs;
+        }
+        final JsonArray entries = this.gson.fromJson(String.valueOf(storedJson), JsonArray.class);
+        for (final JsonElement element : entries) {
+            final JsonObject entry = element.getAsJsonObject();
+            final Map<String, Object> leg = new LinkedHashMap<>();
+            leg.put("accountNo", text(entry, "accountNo"));
+            leg.put("accountName", text(entry, "accountName"));
+            leg.put("amount", text(entry, "amount"));
+            final Long accountId = entry.has("savingsAccountId") && !entry.get("savingsAccountId").isJsonNull()
+                    ? entry.get("savingsAccountId").getAsLong()
+                    : null;
+            final Map<String, Object> branch = accountId == null ? null : branchOfAccount(text(entry, "accountType"), accountId);
+            leg.put("branchId", branch == null ? null : ((Number) branch.get("id")).longValue());
+            leg.put("branchName", branch == null ? null : branch.get("name"));
+            legs.add(leg);
+        }
+        return legs;
+    }
+
+    /** One entry per ledger transaction of the transfer, with the branch it was posted in. */
+    private List<Map<String, Object>> partsOf(final String glTxnIds) {
+        final List<Map<String, Object>> parts = new ArrayList<>();
+        for (final String id : glTxnIds.split(",")) {
+            final String ledgerId = id.trim();
+            if (ledgerId.isEmpty()) {
+                continue;
+            }
+            final List<Map<String, Object>> offices = this.jdbcTemplate.queryForList(
+                    "SELECT DISTINCT o.id, o.name FROM acc_gl_journal_entry je JOIN m_office o ON o.id = je.office_id "
+                            + "WHERE je.transaction_id = ?",
+                    ledgerId);
+            final Map<String, Object> part = new LinkedHashMap<>();
+            part.put("transactionId", ledgerId);
+            part.put("branchId", offices.isEmpty() ? null : ((Number) offices.get(0).get("id")).longValue());
+            part.put("branchName", offices.isEmpty() ? null : offices.get(0).get("name"));
+            parts.add(part);
+        }
+        return parts;
+    }
+
+    /**
+     * The branch an account's books are in: its own office when it was opened at another branch than the client's,
+     * otherwise the client's (or group's). A current account is its own table with its own ids.
+     */
+    private Map<String, Object> branchOfAccount(final String accountType, final Long accountId) {
+        final String sql = "CURRENT".equalsIgnoreCase(accountType)
+                ? "SELECT o.id, o.name FROM m_current_account ca LEFT JOIN m_client c ON c.id = ca.client_id "
+                        + "JOIN m_office o ON o.id = COALESCE(ca.office_id, c.office_id) WHERE ca.id = ?"
+                : "SELECT o.id, o.name FROM m_savings_account sa LEFT JOIN m_client c ON c.id = sa.client_id "
+                        + "LEFT JOIN m_group g ON g.id = sa.group_id "
+                        + "JOIN m_office o ON o.id = COALESCE(sa.office_id, c.office_id, g.office_id) WHERE sa.id = ?";
+        return this.jdbcTemplate.queryForList(sql, accountId).stream().findFirst().orElse(null);
+    }
+
+    private static String text(final JsonObject object, final String name) {
+        final JsonElement element = object.get(name);
+        return element == null || element.isJsonNull() ? null : element.getAsString();
+    }
+
+    private static String isoOf(final Object value) {
+        if (value == null) {
+            return null;
+        }
+        if (value instanceof java.sql.Timestamp) {
+            return ((java.sql.Timestamp) value).toLocalDateTime().toString();
+        }
+        return String.valueOf(value).replace(' ', 'T');
+    }
+}

fineract-provider/src/main/java/org/apache/fineract/accounting/interbranch/service/InterBranchCashService.java

@@ -0,0 +1,162 @@
+/**
+ * Licensed to the Apache Software Foundation (ASF) under one
+ * or more contributor license agreements. See the NOTICE file
+ * distributed with this work for additional information
+ * regarding copyright ownership. The ASF licenses this file
+ * to you under the Apache License, Version 2.0 (the
+ * "License"); you may not use this file except in compliance
+ * with the License. You may obtain a copy of the License at
+ *
+ * http://www.apache.org/licenses/LICENSE-2.0
+ *
+ * Unless required by applicable law or agreed to in writing,
+ * software distributed under the License is distributed on an
+ * "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
+ * KIND, either express or implied. See the License for the
+ * specific language governing permissions and limitations
+ * under the License.
+ */
+package org.apache.fineract.accounting.interbranch.service;
+
+import java.math.BigDecimal;
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.time.ZoneOffset;
+import java.util.List;
+import java.util.Map;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.accounting.glaccount.validation.GLAccountTransactionGuard;
+import org.apache.fineract.accounting.journalentry.service.LedgerTransactionId;
+import org.apache.fineract.accounting.journalentry.service.LedgerTxnPrefix;
+import org.apache.fineract.infrastructure.core.service.DateUtils;
+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.Service;
+
+/**
+ * Keeps a branch's cash ledger true when a cashier takes or pays cash for an account held at another branch.
+ *
+ * <p>
+ * A savings deposit or withdrawal always posts its ledger entries in the branch the account is held at, because that is
+ * where the account's books are. The cash itself, though, is in the drawer of whichever cashier handled it. When that
+ * cashier sits at a different branch, the account's branch would show cash it never received (or paid), and the
+ * cashier's branch would hold cash its ledger does not know about.
+ *
+ * <p>
+ * This moves the cash leg to the cashier's branch, through the Liability Transfer account, exactly as a transfer
+ * between two branches' accounts is booked: the account's branch reverses the cash line against Liability Transfer, and
+ * the cashier's branch books the same cash line against it. Each branch's books balance on their own and the bank's
+ * total does not change. A cashier at the account's own branch, or a user who is not a cashier, changes nothing.
+ */
+@Service
+@RequiredArgsConstructor
+@Slf4j
+public class InterBranchCashService {
+
+    private static final int FINANCIAL_ACTIVITY_LIABILITY_TRANSFER = 200;
+    private static final int CREDIT = 1;
+    private static final int DEBIT = 2;
+
+    private final PlatformSecurityContext context;
+    private final JdbcTemplate jdbcTemplate;
+
+    /**
+     * @param savingsTransactionId
+     *            the deposit or withdrawal just posted
+     * @param accountOfficeId
+     *            the branch the account is held at, where that posting was booked
+     * @param deposit
+     *            true for cash received, false for cash paid out
+     */
+    public void moveCashLegToCashierBranch(final Long savingsTransactionId, final Long accountOfficeId, final String accountNo,
+            final BigDecimal amount, final LocalDate transactionDate, final boolean deposit) {
+        final AppUser user = this.context.authenticatedUser();
+        if (user.getOffice() == null || accountOfficeId == null || savingsTransactionId == null) {
+            return;
+        }
+        if (!isCashier(user.getId())) {
+            return;
+        }
+        moveCashLegToBranch(savingsTransactionId, accountOfficeId, user.getOffice().getId(), accountNo, amount, transactionDate, deposit);
+    }
+
+    /**
+     * Same as {@link #moveCashLegToCashierBranch}, for a posting made by someone other than the cashier who handled the
+     * cash, such as a manager approving a deposit a cashier took earlier. The branch the cash is in is given.
+     */
+    public void moveCashLegToBranch(final Long savingsTransactionId, final Long accountOfficeId, final Long cashierOfficeId,
+            final String accountNo, final BigDecimal amount, final LocalDate transactionDate, final boolean deposit) {
+        final AppUser user = this.context.authenticatedUser();
+        if (cashierOfficeId == null || accountOfficeId == null || savingsTransactionId == null
+                || cashierOfficeId.equals(accountOfficeId)) {
+            return;
+        }
+
+        // The cash line of the posting just made: the debit of a deposit, the credit of a withdrawal.
+        final List<Map<String, Object>> cashLines = this.jdbcTemplate.queryForList(
+                "SELECT account_id, currency_code FROM acc_gl_journal_entry WHERE savings_transaction_id = ? AND type_enum = ? "
+                        + "AND amount = ? AND reversed = false ORDER BY id DESC",
+                savingsTransactionId, deposit ? DEBIT : CREDIT, amount);
+        if (cashLines.isEmpty()) {
+            log.warn("No cash line found for savings transaction {}; its cash was not moved to the cashier's branch",
+                    savingsTransactionId);
+            return;
+        }
+        final Long cashGlId = ((Number) cashLines.get(0).get("account_id")).longValue();
+        final String currencyCode = String.valueOf(cashLines.get(0).get("currency_code"));
+        final Long suspenseGlId = liabilityTransferGlId();
+
+        final String note = (deposit ? "Inter-branch cash deposit" : "Inter-branch cash withdrawal") + " | A/C " + accountNo
+                + " | savings txn " + savingsTransactionId + " | cashier " + user.getUsername() + " | via Liability Transfer";
+
+        // Account's branch: take the cash line back out. A deposit's was Dr cash, so Cr cash; a withdrawal's was Cr cash.
+        post(accountOfficeId, cashGlId, deposit ? CREDIT : DEBIT, suspenseGlId, deposit ? DEBIT : CREDIT, amount, currencyCode,
+                transactionDate, user.getId(), note);
+        // Cashier's branch: the cash really moved here.
+        post(cashierOfficeId, cashGlId, deposit ? DEBIT : CREDIT, suspenseGlId, deposit ? CREDIT : DEBIT, amount, currencyCode,
+                transactionDate, user.getId(), note);
+    }
+
+    private boolean isCashier(final Long userId) {
+        final Integer count = this.jdbcTemplate.queryForObject("SELECT COUNT(*) FROM m_cashiers mc JOIN m_staff ms ON ms.id = mc.staff_id "
+                + "JOIN m_appuser au ON au.staff_id = ms.id WHERE au.id = ?", Integer.class, userId);
+        return count != null && count > 0;
+    }
+
+    private Long liabilityTransferGlId() {
+        final List<Long> ids = this.jdbcTemplate.queryForList(
+                "SELECT gl_account_id FROM acc_gl_financial_activity_account WHERE financial_activity_type = ?", Long.class,
+                FINANCIAL_ACTIVITY_LIABILITY_TRANSFER);
+        if (ids.isEmpty()) {
+            throw new IllegalStateException("A cash deposit or withdrawal for another branch's account needs the Liability Transfer "
+                    + "account mapped under Accounting > Financial Activity Mappings.");
+        }
+        return ids.get(0);
+    }
+
+    /** One balanced entry in one branch: the cash line and its Liability Transfer counterpart. */
+    private void post(final Long officeId, final Long cashGlId, final int cashType, final Long suspenseGlId, final int suspenseType,
+            final BigDecimal amount, final String currencyCode, final LocalDate entryDate, final long userId, final String note) {
+        final String txnId = LedgerTransactionId.next(this.jdbcTemplate, LedgerTxnPrefix.INTER_BRANCH_CASH);
+        final LocalDateTime now = LocalDateTime.now(DateUtils.getDateTimeZoneOfTenant());
+        insert(officeId, cashGlId, cashType, amount, txnId, entryDate, userId, now, currencyCode, note);
+        insert(officeId, suspenseGlId, suspenseType, amount, txnId, entryDate, userId, now, currencyCode, note);
+    }
+
+    private void insert(final Long officeId, final Long glAccountId, final int typeEnum, final BigDecimal amount, final String txnId,
+            final LocalDate entryDate, final long userId, final LocalDateTime now, final String currencyCode, final String description) {
+        GLAccountTransactionGuard.assertPostable(this.jdbcTemplate, glAccountId);
+        final java.time.OffsetDateTime utc = now.atZone(DateUtils.getDateTimeZoneOfTenant()).toOffsetDateTime()
+                .withOffsetSameInstant(ZoneOffset.UTC);
+        this.jdbcTemplate.update(
+                "INSERT INTO acc_gl_journal_entry (account_id, office_id, currency_code, transaction_id, reversed, manual_entry, "
+                        + " entry_date, type_enum, amount, description, created_by, last_modified_by, created_date, lastmodified_date, "
+                        + " is_running_balance_calculated, office_running_balance, organization_running_balance, submitted_on_date, "
+                        + " transaction_date, created_on_utc, last_modified_on_utc) "
+                        + "VALUES (?,?,?,?,false,true,?,?,?,?,?,?,?,?,false,0,0,?,?,?,?)",
+                glAccountId, officeId, currencyCode, txnId, java.sql.Date.valueOf(entryDate), typeEnum, amount, description, userId, userId,
+                now, now, java.sql.Date.valueOf(entryDate), java.sql.Date.valueOf(entryDate), utc, utc);
+    }
+}

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

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

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

@@ -27,6 +27,7 @@ import java.util.Map;
 import java.util.Objects;
 import java.util.Optional;
 import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.lang3.StringUtils;
 import org.apache.fineract.accounting.closure.domain.GLClosure;
 import org.apache.fineract.accounting.closure.domain.GLClosureRepository;
@@ -42,6 +43,7 @@ import org.apache.fineract.accounting.financialactivityaccount.domain.FinancialA
 import org.apache.fineract.accounting.financialactivityaccount.domain.FinancialActivityAccountRepositoryWrapper;
 import org.apache.fineract.accounting.glaccount.domain.GLAccount;
 import org.apache.fineract.accounting.glaccount.domain.GLAccountRepository;
+import org.apache.fineract.accounting.glaccount.domain.GLAccountType;
 import org.apache.fineract.accounting.journalentry.data.ChargePaymentDTO;
 import org.apache.fineract.accounting.journalentry.data.ClientChargePaymentDTO;
 import org.apache.fineract.accounting.journalentry.data.ClientTransactionDTO;
@@ -68,6 +70,7 @@ import org.apache.fineract.infrastructure.event.business.domain.journalentry.Loa
 import org.apache.fineract.infrastructure.event.business.service.BusinessEventNotifierService;
 import org.apache.fineract.organisation.office.domain.Office;
 import org.apache.fineract.organisation.office.domain.OfficeRepository;
+import org.apache.fineract.infrastructure.core.exception.GeneralPlatformDomainRuleException;
 import org.apache.fineract.portfolio.PortfolioProductType;
 import org.apache.fineract.portfolio.account.PortfolioAccountType;
 import org.apache.fineract.portfolio.account.service.AccountTransfersReadPlatformService;
@@ -81,6 +84,7 @@ import org.apache.fineract.portfolio.shareaccounts.data.ShareAccountTransactionE
 import org.springframework.dao.DataAccessException;
 import org.springframework.jdbc.core.JdbcTemplate;
 
+@Slf4j
 @RequiredArgsConstructor
 public class AccountingProcessorHelper {
 
@@ -646,10 +650,12 @@ public class AccountingProcessorHelper {
      */
     public void createInterestPostingJournalEntriesForSavings(final Office office, final String currencyCode,
             final Long savingsProductId, final Long paymentTypeId, final Long savingsId, final String transactionId,
-            final LocalDate transactionDate, final BigDecimal amount, final boolean isReversal) {
+            final LocalDate transactionDate, final BigDecimal amount, final boolean isReversal, final boolean payableCarriesAccrual) {
 
         final GLAccount controlAccount = getLinkedGLAccountForSavingsProduct(savingsProductId,
                 CashAccountsForSavings.SAVINGS_CONTROL.getValue(), paymentTypeId);
+        final GLAccount interestOnSavingsAccount = getLinkedGLAccountForSavingsProduct(savingsProductId,
+                CashAccountsForSavings.INTEREST_ON_SAVINGS.getValue(), paymentTypeId);
 
         // The payable comes from the Interest Payable row on the product's Accounting tab, which is
         // where a bank actually picks it. The reserved name in the product's other GL mappings is
@@ -658,30 +664,103 @@ public class AccountingProcessorHelper {
         final GLAccount payableAccount = Optional
                 .ofNullable(optionalLinkedGLAccountForSavingsProduct(savingsProductId,
                         AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), paymentTypeId))
-                .or(() -> Optional.ofNullable(namedSavingsGlAccount(savingsProductId, SAVINGS_INTEREST_PAYABLE_MAPPING)))
+                .or(() -> Optional.ofNullable(namedSavingsGlAccount(savingsProductId,
+                        SAVINGS_INTEREST_PAYABLE_MAPPING, "Fixed Deposit Interest Payable", "Recurring Deposit Interest Payable",
+                        "Interest Payable", "Interest Payable Account")))
                 .orElse(controlAccount);
-        final GLAccount paidAccount = Optional.ofNullable(namedSavingsGlAccount(savingsProductId, SAVINGS_INTEREST_PAID_MAPPING))
+        // The RD product screen saves its paid account as "Recurring Deposit Interest Paid"; without that name here an
+        // RD's interest skipped the paid leg even when the product had one mapped.
+        final GLAccount paidAccount = Optional.ofNullable(namedSavingsGlAccount(savingsProductId,
+                        SAVINGS_INTEREST_PAID_MAPPING, "Fixed Deposit Interest Paid", "Recurring Deposit Interest Paid", "Interest Paid",
+                        "Interest Paid Account"))
                 .orElse(payableAccount);
 
-        // The interest expense is not raised here. It is recognised as the interest accrues, day by
+        log.info("createInterestPostingJournalEntriesForSavings: savingsProductId={}, payableAccount=[{} - {}], paidAccount=[{} - {}], controlAccount=[{} - {}], interestExpense=[{} - {}], amount={}, isReversal={}",
-        // day, and this posting settles that recognised debt - raising the expense again at payout
+                savingsProductId, payableAccount.getId(), payableAccount.getName(), paidAccount.getId(), paidAccount.getName(),
-        // would put the same interest on the P&L twice. This mirrors the pooled posting service,
+                controlAccount.getId(), controlAccount.getName(), interestOnSavingsAccount.getId(), interestOnSavingsAccount.getName(),
-        // which pays a product's whole membership the same way; a closure reaching this path must
+                amount, isReversal);
-        // produce the same entries as the nightly run, or the two disagree on what one payment did.
+
-        //
+        // A product that names no payable falls back to Savings Control above. The chain below would
-        // Stage 1: the liability moves from the payable to the account it is paid out of. Where the
+        // then open with Dr Savings Control / Cr Interest On Savings and close with its exact
-        // product names no paid account both resolve to the payable and this says nothing, so it is
+        // reverse, the two cancelling: the expense never charged and the member never credited. Such
-        // skipped and the payout comes straight out of the payable.
+        // a product has no liability to draw down, so it keeps the single pair it always posted.
-        final boolean payableIsPaid = payableAccount.getId().equals(paidAccount.getId());
+        if (payableAccount.getId().equals(controlAccount.getId())) {
-        if (!payableIsPaid) {
+            log.warn("createInterestPostingJournalEntriesForSavings: payableAccount == controlAccount [id={}], posting standard 2-leg entry",
-            postSavingsLeg(office, currencyCode, payableAccount, paidAccount, savingsId, transactionId, transactionDate, amount,
+                    payableAccount.getId());
-                    isReversal);
+            postSavingsLeg(office, currencyCode, interestOnSavingsAccount, controlAccount, savingsId, transactionId, transactionDate,
+                    amount, isReversal);
+            return;
         }
 
-        // Stage 2: into the member's own balance.
+        // The interest is charged to expense and raised as a liability first, for whatever part of
-        final GLAccount payoutFromAccount = payableIsPaid ? payableAccount : paidAccount;
+        // it no accrual has already covered.
-        postSavingsLeg(office, currencyCode, payoutFromAccount, controlAccount, savingsId, transactionId, transactionDate, amount,
+        //
-                isReversal);
+        // The chain below draws the payable DOWN, so it assumes an accrual already credited it for
+        // the period. Where none ran - a product posting on cash accounting, or a period the accrual
+        // job never covered - the payable went negative by the interest and the expense netted to
+        // nothing across the next two legs, leaving the charge off the P&L entirely. A liability
+        // account cannot hold a negative balance: the bank does not owe less than nothing.
+        //
+        // So the shortfall is raised here rather than assumed away. Where the accrual DID run, the
+        // payable already carries the interest and this leg writes nothing - the balance below is
+        // enough, and raising it again would double the liability.
+        //
+        // Only a liability payable is topped up. A bank that maps an expense GL as the payable books
+        // the cost there directly: payableBalance reads credit minus debit, so an expense's normal
+        // debit balance would come back negative and every posting would raise a shortfall larger
+        // than the interest itself.
+        final boolean payableIsLiability = GLAccountType.LIABILITY.getValue().equals(payableAccount.getType());
+        if (!payableCarriesAccrual) {
+            // Cash basis: nothing ever accrues into the payable, so whatever already sits on it - an opening balance
+            // brought over at migration, or another product's interest sharing the GL - is not this interest. Reading
+            // it as "already accrued" skipped the expense and drew that balance down instead, leaving the cost off the
+            // P&L. The whole amount is charged and raised, and a reversal or clawback takes it back the same way.
+            if (payableIsLiability) {
+                postSavingsLeg(office, currencyCode, interestOnSavingsAccount, payableAccount, savingsId, transactionId, transactionDate,
+                        amount, isReversal);
+            }
+            postPayableToMember(office, currencyCode, payableAccount, paidAccount, controlAccount, savingsId, transactionId,
+                    transactionDate, amount, isReversal);
+            return;
+        }
+        final BigDecimal alreadyAccrued = payableBalance(office, payableAccount, currencyCode);
+        final BigDecimal shortfall = amount.subtract(alreadyAccrued).max(BigDecimal.ZERO);
+        log.info("createInterestPostingJournalEntriesForSavings: alreadyAccrued={}, shortfall={}, payableIsLiability={}, isReversal={}",
+                alreadyAccrued, shortfall, payableIsLiability, isReversal);
+        if (!isReversal && payableIsLiability && shortfall.compareTo(BigDecimal.ZERO) > 0) {
+            log.info("createInterestPostingJournalEntriesForSavings: posting Stage 1 [Dr {} / Cr {} = {}]",
+                    interestOnSavingsAccount.getName(), payableAccount.getName(), shortfall);
+            // Stage 1: Dr Interest On Savings (the expense) / Cr Payable - the accrual that should have run.
+            postSavingsLeg(office, currencyCode, interestOnSavingsAccount, payableAccount, savingsId, transactionId, transactionDate,
+                    shortfall, false);
+        }
+
+        postPayableToMember(office, currencyCode, payableAccount, paidAccount, controlAccount, savingsId, transactionId, transactionDate,
+                amount, isReversal);
+    }
+
+    /** Stages 2 and 3: out of the payable, through the paid account when the product names one, into the member. */
+    private void postPayableToMember(final Office office, final String currencyCode, final GLAccount payableAccount,
+            final GLAccount paidAccount, final GLAccount controlAccount, final Long savingsId, final String transactionId,
+            final LocalDate transactionDate, final BigDecimal amount, final boolean isReversal) {
+        final boolean hasSeparatePaidAccount = !payableAccount.getId().equals(paidAccount.getId());
+        if (hasSeparatePaidAccount) {
+            log.info("createInterestPostingJournalEntriesForSavings: posting Stage 2 [Dr {} / Cr {} = {}] and Stage 3 [Dr {} / Cr {} = {}]",
+                    payableAccount.getName(), paidAccount.getName(), amount, paidAccount.getName(), controlAccount.getName(), amount);
+            // Stage 2: Out of the payable, into the interest-paid transit/clearing account
+            postSavingsLeg(office, currencyCode, payableAccount, paidAccount, savingsId, transactionId, transactionDate, amount,
+                    isReversal);
+
+            // Stage 3: Out of the interest-paid account, into the member's control account
+            postSavingsLeg(office, currencyCode, paidAccount, controlAccount, savingsId, transactionId, transactionDate, amount,
+                    isReversal);
+        } else {
+            log.info("createInterestPostingJournalEntriesForSavings: no separate paidAccount, posting direct payout [Dr {} / Cr {} = {}]",
+                    payableAccount.getName(), controlAccount.getName(), amount);
+            // Payout directly from payable into member's control account
+            postSavingsLeg(office, currencyCode, payableAccount, controlAccount, savingsId, transactionId, transactionDate, amount,
+                    isReversal);
+        }
     }
 
     /**
@@ -723,34 +802,69 @@ public class AccountingProcessorHelper {
      *
      * @return the account, or null where the product does not configure this name
      */
-    private GLAccount namedSavingsGlAccount(final Long savingsProductId, final String accountName) {
+    /**
-        if (savingsProductId == null) {
+     * What the interest payable account currently holds for this office, on its own liability side.
+     *
+     * <p>
+     * Read so an interest posting can tell an accrual that already ran from one that did not. The
+     * posting chain draws the payable down; where nothing had raised it, the account went negative
+     * and the expense netted to nothing, so the charge never reached the P&amp;L at all. The caller
+     * raises only the shortfall, which is nil when the accrual did run.
+     *
+     * <p>
+     * Credits less debits, because a payable is a liability: the balance is what the bank still
+     * owes. Floored at zero by the caller rather than here - a negative balance is a real state to
+     * report, and the caller's arithmetic needs the true figure, not a clamped one.
+     */
+    private BigDecimal payableBalance(final Office office, final GLAccount payableAccount, final String currencyCode) {
+        if (payableAccount == null || payableAccount.getId() == null) {
+            return BigDecimal.ZERO;
+        }
+        // Reversed entries and the entries they reverse are both excluded: a reversal pair nets to
+        // nothing, and counting either side alone would move the balance by the whole amount.
+        final BigDecimal balance = jdbcTemplate.queryForObject("""
+                SELECT COALESCE(SUM(CASE WHEN type_enum = 1 THEN amount ELSE -amount END), 0)
+                  FROM acc_gl_journal_entry
+                 WHERE account_id = ?
+                   AND office_id = ?
+                   AND currency_code = ?
+                   AND (reversed IS NULL OR reversed = false)
+                   AND id NOT IN (SELECT reversal_id FROM acc_gl_journal_entry WHERE reversal_id IS NOT NULL)
+                """, BigDecimal.class, payableAccount.getId(), office.getId(), currencyCode);
+        return balance == null ? BigDecimal.ZERO : balance;
+    }
+
+    private GLAccount namedSavingsGlAccount(final Long savingsProductId, final String... accountNames) {
+        if (savingsProductId == null || accountNames == null || accountNames.length == 0) {
             return null;
         }
-        // The column holds an empty string on a product saved with no named mappings, and casting
+        for (final String accountName : accountNames) {
-        // that to jsonb is an error rather than an empty document - so the cast is done inside a
+            if (accountName == null) {
-        // subquery that has already filtered those rows out. Postgres is free to evaluate a WHERE
+                continue;
-        // clause in any order, so guarding at the same query level as the cast would only work by
+            }
-        // luck.
+            final List<Long> found = jdbcTemplate.queryForList("""
-        final List<Long> found = jdbcTemplate.queryForList("""
+                    SELECT gl.id
-                SELECT gl.id
+                      FROM (SELECT other_gl_mappings::jsonb AS doc
-                  FROM (SELECT other_gl_mappings::jsonb AS doc
+                              FROM m_savings_product
-                          FROM m_savings_product
+                             WHERE id = ?
-                         WHERE id = ?
+                               AND other_gl_mappings IS NOT NULL
-                           AND other_gl_mappings IS NOT NULL
+                               AND other_gl_mappings <> ''
-                           AND other_gl_mappings <> ''
+                               AND other_gl_mappings LIKE '{%') sp
-                           AND other_gl_mappings LIKE '{%') sp
+                      CROSS JOIN LATERAL jsonb_array_elements(
-                  CROSS JOIN LATERAL jsonb_array_elements(
+                             COALESCE(sp.doc -> 'assets',      '[]'::jsonb)
-                         COALESCE(sp.doc -> 'assets',      '[]'::jsonb)
+                          || COALESCE(sp.doc -> 'liabilities', '[]'::jsonb)
-                      || COALESCE(sp.doc -> 'liabilities', '[]'::jsonb)
+                          || COALESCE(sp.doc -> 'expenses',    '[]'::jsonb)
-                      || COALESCE(sp.doc -> 'expenses',    '[]'::jsonb)
+                          || COALESCE(sp.doc -> 'income',      '[]'::jsonb)
-                      || COALESCE(sp.doc -> 'income',      '[]'::jsonb)
+                      ) AS m(entry)
-                  ) AS m(entry)
+                      JOIN acc_gl_account gl ON gl.gl_code = m.entry ->> 'glCode'
-                  JOIN acc_gl_account gl ON gl.gl_code = m.entry ->> 'glCode'
+                     WHERE lower(trim(m.entry ->> 'accountName')) = lower(trim(?))
-                 WHERE m.entry ->> 'accountName' = ?
+                     LIMIT 1
-                 LIMIT 1
+                    """, Long.class, savingsProductId, accountName);
-                """, Long.class, savingsProductId, accountName);
+            if (!found.isEmpty()) {
-        return found.isEmpty() ? null : glAccountRepository.findById(found.get(0)).orElse(null);
+                return glAccountRepository.findById(found.get(0)).orElse(null);
+            }
+        }
+        return null;
     }
 
     /**
@@ -774,6 +888,45 @@ public class AccountingProcessorHelper {
         createCreditJournalEntryForSavings(office, currencyCode, creditAccount, creditEntityId, transactionId, transactionDate, amount);
     }
 
+    /**
+     * The same direct transfer where either side may be a current account. A current product maps its GLs under
+     * {@link PortfolioProductType#CURRENT}, so each side's control GL is read under its own product type -- reading a
+     * current product under SAVING picked up the GLs of the savings product that happens to share its id.
+     */
+    public void createDirectTransferJournalEntries(final Office office, final String currencyCode, final Long debitProductId,
+            final boolean debitIsCurrent, final Long debitEntityId, final Long creditProductId, final boolean creditIsCurrent,
+            final Long creditEntityId, final String transactionId, final LocalDate transactionDate, final BigDecimal amount) {
+        final GLAccount debitAccount = controlGlAccount(debitProductId, debitIsCurrent);
+        final GLAccount creditAccount = controlGlAccount(creditProductId, creditIsCurrent);
+        createDebitJournalEntryForSavings(office, currencyCode, debitAccount, debitEntityId, transactionId, transactionDate, amount);
+        createCreditJournalEntryForSavings(office, currencyCode, creditAccount, creditEntityId, transactionId, transactionDate, amount);
+    }
+
+    /** Dr a current product's Current Control, Cr the GL mapped to {@code financialActivity}. */
+    public void createCurrentControlToFinancialActivityJournalEntries(final Office office, final String currencyCode,
+            final Long currentProductId, final int financialActivity, final Long currentAccountId, final String transactionId,
+            final LocalDate transactionDate, final BigDecimal amount) {
+        final GLAccount controlAccount = controlGlAccount(currentProductId, true);
+        final GLAccount activityAccount = this.financialActivityAccountRepository
+                .findByFinancialActivityTypeWithNotFoundDetection(financialActivity).getGlAccount();
+        createDebitJournalEntryForSavings(office, currencyCode, controlAccount, currentAccountId, transactionId, transactionDate, amount);
+        createCreditJournalEntryForSavings(office, currencyCode, activityAccount, currentAccountId, transactionId, transactionDate, amount);
+    }
+
+    private GLAccount controlGlAccount(final Long productId, final boolean isCurrent) {
+        if (!isCurrent) {
+            return getLinkedGLAccountForSavingsProduct(productId, CashAccountsForSavings.SAVINGS_CONTROL.getValue(), null);
+        }
+        final ProductToGLAccountMapping mapping = this.accountMappingRepository.findCoreProductToFinAccountMapping(productId,
+                PortfolioProductType.CURRENT.getValue(), CashAccountsForSavings.SAVINGS_CONTROL.getValue());
+        if (mapping == null) {
+            throw new GeneralPlatformDomainRuleException("error.msg.current.product.control.gl.not.mapped",
+                    "Current product " + productId + " has no Current Control GL mapped; map it on the product's Accounting tab.",
+                    productId);
+        }
+        return mapping.getGlAccount();
+    }
+
     /**
      * Convenience method that creates a pair of related Debits and Credits for Cash Based accounting.
      *

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
+                // A premature FD closure that reprices interest downward (see
-                // zero
+                // FixedDepositAccount#postPreMaturityInterest) posts the difference as a NEGATIVE
-                if (savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO) > 0) {
+                // interest-posting transaction -- a clawback of interest already recognised in earlier
-                    this.helper.createCashBasedJournalEntriesAndReversalsForSavings(office, currencyCode,
+                // periods, not "zero interest, nothing to post". Skipping it here (the original
-                            AccrualAccountsForSavings.INTEREST_PAYABLE.getValue(), AccrualAccountsForSavings.SAVINGS_CONTROL.getValue(),
+                // "amount > 0" guard) left the FD subledger showing the clawback while the GL never
-                            savingsProductId, paymentTypeId, savingsId, transactionId, transactionDate, amount, isReversal);
+                // 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
+                // A premature FD closure that reprices interest downward (see
-                // zero
+                // FixedDepositAccount#postPreMaturityInterest) posts the difference as a NEGATIVE
-                if (savingsTransactionDTO.getAmount().compareTo(BigDecimal.ZERO) > 0) {
+                // 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/JournalEntryWritePlatformServiceJpaRepositoryImpl.java

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

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

@@ -74,14 +74,22 @@ public final class LedgerTxnPrefix {
     public static final String CASH_MIGRATION = "CSHMIG";
     /** Rounding difference on a clerk's day closure. */
     public static final String CLOSURE_ROUNDING = "CLSRND";
+    /** Cash line of a deposit or withdrawal moved to the cashier's branch, when the account is held at another. */
+    public static final String INTER_BRANCH_CASH = "IBCASH";
 
     // ── Year end ──────────────────────────────────────────────────────────────
     /** Year-end transfer of income into the profit account. */
     public static final String YEAR_END_PROFIT = "YEPFT";
     /** Year-end closure of an income or expense account. */
     public static final String YEAR_END_CLOSE = "YECLS";
+    /** Appropriation of a closed year's profit into the reserve funds. */
+    public static final String PROFIT_APPROPRIATION = "PRAPP";
 
     // ── 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/accounting/yearend/service/IncomeProfitTransferService.java

@@ -366,7 +366,7 @@ public class IncomeProfitTransferService {
         return jdbcTemplate.queryForObject("SELECT id FROM m_office ORDER BY hierarchy LIMIT 1", Long.class);
     }
 
-    private String resolveCurrency(final Long glAccountId) {
+    public String resolveCurrency(final Long glAccountId) {
         try {
             final String code = jdbcTemplate.queryForObject(
                     "SELECT currency_code FROM acc_gl_journal_entry WHERE account_id = ? ORDER BY id DESC LIMIT 1", String.class,
@@ -377,7 +377,8 @@ public class IncomeProfitTransferService {
         }
     }
 
-    private void insertEntry(final Long officeId, final Long glAccountId, final int typeEnum, final BigDecimal amount, final String txnId,
+    /** Writes one journal entry leg. Shared with the profit appropriation posting so both year-end steps post alike. */
+    public void insertEntry(final Long officeId, final Long glAccountId, final int typeEnum, final BigDecimal amount, final String txnId,
             final LocalDate entryDate, final Long userId, final LocalDateTime now, final String currencyCode, final String description) {
         GLAccountTransactionGuard.assertPostable(jdbcTemplate, glAccountId);
         jdbcTemplate.update(

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
+                    // with an X-Api-Key header instead of a Fineract username/password. The key itself
-                    // POST /v1/apiclients, super-user only). Same posture as IMPS/NPCI above: the
+                    // is issued by inserting directly into m_api_client in the tenant-store database
-                    // outer gate stays open for this one narrow GET path, and
+                    // (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"))
@@ -233,6 +238,11 @@ public class SecurityConfig {
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_LOANTRANSACTIONNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/savings/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_SAVINGNOTE")
+                    // current accounts are deposit accounts: their notes use the savings-note permissions
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/currentaccounts/*/notes"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_SAVINGNOTE")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/currentaccounts/*/notes/*"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_SAVINGNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.GET, "/api/*/groups/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_READ, "READ_GROUPNOTE")
                     // notes: create
@@ -244,6 +254,8 @@ public class SecurityConfig {
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_LOANTRANSACTIONNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/savings/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_SAVINGNOTE")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/currentaccounts/*/notes"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_SAVINGNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.POST, "/api/*/groups/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "CREATE_GROUPNOTE")
                     // notes: update
@@ -255,6 +267,8 @@ public class SecurityConfig {
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_LOANTRANSACTIONNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/savings/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_SAVINGNOTE")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/currentaccounts/*/notes/*"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_SAVINGNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.PUT, "/api/*/groups/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "UPDATE_GROUPNOTE")
                     // notes: delete
@@ -266,6 +280,8 @@ public class SecurityConfig {
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_LOANTRANSACTIONNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.DELETE, "/api/*/savings/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_SAVINGNOTE")
+                    .requestMatchers(API_MATCHER.matcher(HttpMethod.DELETE, "/api/*/currentaccounts/*/notes/*"))
+                    .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_SAVINGNOTE")
                     .requestMatchers(API_MATCHER.matcher(HttpMethod.DELETE, "/api/*/groups/*/notes"))
                     .hasAnyAuthority(ALL_FUNCTIONS, ALL_FUNCTIONS_WRITE, "DELETE_GROUPNOTE")
                     // document: clients
@@ -355,11 +371,18 @@ 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 +413,41 @@ 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
+ * List/deactivate/reactivate still require a normal Fineract login restricted to a super user
- * username/password, restricted to a super user (ALL_FUNCTIONS). Only the endpoints that use a minted
+ * (ALL_FUNCTIONS) -- but minting a NEW key ({@link #create}) is disabled here entirely, on purpose.
- * 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.
+ * {@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();
+        requireSuperUser();
-        final JsonElement root = fromJsonHelper.parse(body);
+        throw new WebApplicationException(Response.status(403)
-        final String clientName = fromJsonHelper.extractStringNamed("clientName", root);
+                .entity("{\"message\":\"Minting a new platform API key over HTTP is disabled. "
-        final String allowedIps = fromJsonHelper.extractStringNamed("allowedIps", root);
+                        + "Insert directly into m_api_client in the tenant-store database instead.\"}")
-
+                .type(MediaType.APPLICATION_JSON).build());
-        final Map<String, Object> result = credentialService.createClient(clientName, allowedIps, user.getId());
-        return gson.toJson(result);
     }
 
     @GET

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

@@ -92,7 +92,7 @@ public class TenantMenuAccessApiResource {
             "MENU_CASHIER", "MENU_CLERK", "MENU_BRANCH_OPS", "MENU_CLEARING", "MENU_DEPOSITS", "MENU_ADVANCES",
             "MENU_LOAN_ORIGINATION", "MENU_SHARE", "MENU_NPA", "MENU_GENERAL_LEDGER", "MENU_SUB_LEDGER", "MENU_ACCOUNTING",
             "MENU_CKYC_MGMT", "MENU_INSURANCE", "MENU_DIGITAL", "MENU_HRM", "MENU_ADMIN", "MENU_RBI", "MENU_INVESTMENT",
-            "MENU_REPORTS", "MENU_OTHERS", "MENU_CONFIG_WIZARD", "MENU_CHEQUEBOOK", "MENU_LETTER_MGMT");
+            "MENU_REPORTS", "MENU_OTHERS", "MENU_CONFIG_WIZARD", "MENU_CHEQUEBOOK", "MENU_LETTER_MGMT", "MENU_CREDIT_BUREAU");
 
     /**
      * This tenant's own menu-access list, for the tenant named in {@code Fineract-Platform-TenantId}.

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.commands.domain.CommandWrapper;
-import org.apache.fineract.organisation.workingdays.command.WorkingDaysUpdateCommand;
+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());
+        return toApiJsonSerializer.serialize(result);
-        command.setCreatedAt(Instant.now());
-        command.setPayload(request);
-
-        final Supplier<WorkingDaysUpdateResponse> response = commandPipeline.send(command);
-
-        return response.get();
     }
 
     @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 org.apache.fineract.commands.annotation.CommandType;
-import lombok.extern.slf4j.Slf4j;
+import org.apache.fineract.commands.handler.NewCommandSourceHandler;
-import org.apache.fineract.command.core.Command;
+import org.apache.fineract.infrastructure.core.api.JsonCommand;
-import org.apache.fineract.command.core.CommandHandler;
+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
+@Service
-@Component
+@CommandType(entity = "WORKINGDAYS", action = "UPDATE")
-@RequiredArgsConstructor
+public class UpdateWorkingDaysCommandHandler implements NewCommandSourceHandler {
-public class UpdateWorkingDaysCommandHandler implements CommandHandler<WorkingDaysUpdateRequest, WorkingDaysUpdateResponse> {
 
     private final WorkingDaysWritePlatformService workingDaysWritePlatformService;
 
+    @Autowired
+    public UpdateWorkingDaysCommandHandler(final WorkingDaysWritePlatformService workingDaysWritePlatformService) {
+        this.workingDaysWritePlatformService = workingDaysWritePlatformService;
+    }
+
     @Transactional
     @Override
-    public WorkingDaysUpdateResponse handle(Command<WorkingDaysUpdateRequest> command) {
+    public CommandProcessingResult processCommand(final JsonCommand command) {
-        WorkingDaysUpdateRequest request = command.getPayload();
-        Map<String, Object> changes = this.workingDaysWritePlatformService.updateWorkingDays(request);
-        if (changes == null) {
-            changes = Collections.emptyMap();
-        }
 
-        return WorkingDaysUpdateResponse.builder().resourceId((Long) changes.get("resourceId")).changes(changes)
+        final WorkingDaysUpdateRequest request = WorkingDaysUpdateRequest.builder()
-                .recurrence(request.getRecurrence()).repaymentRescheduleType(request.getRepaymentRescheduleType())
+                .recurrence(command.stringValueOfParameterNamed("recurrence"))
-                .extendTermForDailyRepayments(request.getExtendTermForDailyRepayments())
+                .repaymentRescheduleType(command.integerValueSansLocaleOfParameterNamed("repaymentRescheduleType"))
-                .extendTermForRepaymentsOnHolidays(request.getExtendTermForRepaymentsOnHolidays()).build();
+                .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(),
+            accountingProcessorHelper.createCurrentControlToFinancialActivityJournalEntries(account.getOffice(),
-                    account.getCurrencyCode(), CashAccountsForSavings.SAVINGS_CONTROL.getValue(),
+                    account.getCurrencyCode(), account.getProductId(), FinancialActivity.LIABILITY_TRANSFER.getValue(),
-                    FinancialActivity.LIABILITY_TRANSFER.getValue(), account.getProductId(), null,
+                    account.getId(), currentTxnId, txnDate, amount);
-                    account.getId(), currentTxnId, txnDate, amount, false);
         }
         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(
+            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
-                    account.getOffice(), account.getCurrencyCode(),
+                    account.getProductId(), true, account.getId(), counterpartProductId, counterpartIsCurrent, counterpartEntityId,
-                    account.getProductId(), account.getId(),
-                    counterpartProductId, counterpartEntityId,
                     currentTxnId, txnDate, amount);
         } else {
             // DR: counterpart (savings/current) GL  CR: current account GL
-            accountingProcessorHelper.createDirectTransferJournalEntriesForSavings(
+            accountingProcessorHelper.createDirectTransferJournalEntries(account.getOffice(), account.getCurrencyCode(),
-                    account.getOffice(), account.getCurrencyCode(),
+                    counterpartProductId, counterpartIsCurrent, counterpartEntityId, account.getProductId(), true, account.getId(),
-                    counterpartProductId, counterpartEntityId,
-                    account.getProductId(), 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

@@ -37,6 +37,7 @@ 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;
@@ -60,6 +61,7 @@ import org.apache.fineract.portfolio.savings.domain.GSIMRepositoy;
 import org.apache.fineract.portfolio.savings.domain.SavingsAccountAssembler;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountDomainService;
 import org.apache.fineract.portfolio.savings.service.SavingsAccountWritePlatformService;
+import org.apache.fineract.portfolio.tds.service.SavingsInterestTdsService;
 import org.springframework.boot.autoconfigure.condition.ConditionalOnMissingBean;
 import org.springframework.context.annotation.Bean;
 import org.springframework.context.annotation.Configuration;
@@ -96,12 +98,14 @@ public class AccountConfiguration {
             GSIMRepositoy gsimRepository, ConfigurationDomainService configurationDomainService, ExternalIdFactory externalIdFactory,
             FineractProperties fineractProperties, CurrentAccountRepository currentAccountRepository,
             CurrentAccountTransactionRepository currentAccountTransactionRepository,
-            AccountingProcessorHelper accountingProcessorHelper) {
+            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);
+                currentAccountRepository, currentAccountTransactionRepository, accountingProcessorHelper, kycRestrictionGuard,
+                savingsInterestTdsService);
     }
 
     @Bean

fineract-provider/src/main/java/org/apache/fineract/portfolio/accountdetails/service/AccountDetailsReadPlatformServiceJpaRepositoryImpl.java

@@ -361,9 +361,15 @@ public class AccountDetailsReadPlatformServiceJpaRepositoryImpl implements Accou
             // Renewal-chain identity for Fixed Deposits: the stable customer-facing FD number and
             // this row's cycle within the chain, so a client's account list can collapse a renewed
             // FD into one entry rather than listing every term as a separate account.
-            accountsSummary.append("dtp.fd_account_number as fdAccountNumber, dtp.renewal_cycle_no as renewalCycleNo ");
+            accountsSummary.append("dtp.fd_account_number as fdAccountNumber, dtp.renewal_cycle_no as renewalCycleNo, ");
+            // The branch the account is held at: its own office when opened at another branch, else the client's or group's.
+            accountsSummary.append("acct_office.id as accountOfficeId, acct_office.name as accountOfficeName ");
             accountsSummary.append("from m_savings_account sa ");
             accountsSummary.append("join m_savings_product as p on p.id = sa.product_id ");
+            accountsSummary.append("left join m_client acct_client on acct_client.id = sa.client_id ");
+            accountsSummary.append("left join m_group acct_group on acct_group.id = sa.group_id ");
+            accountsSummary.append(
+                    "left join m_office acct_office on acct_office.id = coalesce(sa.office_id, acct_client.office_id, acct_group.office_id) ");
             accountsSummary.append("left join m_deposit_account_term_and_preclosure dtp on dtp.savings_account_id = sa.id ");
             accountsSummary.append("join m_currency curr on curr.code = sa.currency_code ");
             accountsSummary.append("left join m_appuser sbu on sbu.id = sa.submittedon_userid ");
@@ -464,9 +470,12 @@ public class AccountDetailsReadPlatformServiceJpaRepositoryImpl implements Accou
             final String fdAccountNumber = rs.getString("fdAccountNumber");
             final Integer renewalCycleNo = JdbcSupport.getInteger(rs, "renewalCycleNo");
 
+            final Long accountOfficeId = JdbcSupport.getLong(rs, "accountOfficeId");
+            final String accountOfficeName = rs.getString("accountOfficeName");
+
             return new SavingsAccountSummaryData(id, accountNo, externalId, productId, productName, shortProductName, status, currency,
                     accountBalance, onHoldFunds, onHoldAmount, availableBalance, accountTypeData, timeline, depositTypeData, subStatus,
-                    lastActiveTransactionDate, fdAccountNumber, renewalCycleNo);
+                    lastActiveTransactionDate, fdAccountNumber, renewalCycleNo, accountOfficeId, accountOfficeName);
         }
     }
 
@@ -496,9 +505,13 @@ public class AccountDetailsReadPlatformServiceJpaRepositoryImpl implements Accou
             sb.append("ca.currency_code as currencyCode, ca.currency_digits as currencyDigits, ca.currency_multiplesof as inMultiplesOf, ");
             sb.append("curr.name as currencyName, curr.internationalized_name_code as currencyNameCode, ");
             sb.append("curr.display_symbol as currencyDisplaySymbol, ");
-            sb.append("ca.product_id as productId, cp.name as productName, cp.short_name as shortProductName ");
+            sb.append("ca.product_id as productId, cp.name as productName, cp.short_name as shortProductName, ");
+            // The branch the account is held at: its own office, else the client's.
+            sb.append("acct_office.id as accountOfficeId, acct_office.name as accountOfficeName ");
             sb.append("from m_current_account ca ");
             sb.append("join m_current_product cp on cp.id = ca.product_id ");
+            sb.append("left join m_client acct_client on acct_client.id = ca.client_id ");
+            sb.append("left join m_office acct_office on acct_office.id = coalesce(ca.office_id, acct_client.office_id) ");
             sb.append("join m_currency curr on curr.code = ca.currency_code ");
             sb.append("left join m_appuser sbu on sbu.id = ca.submittedon_userid ");
             sb.append("left join m_appuser rbu on rbu.id = ca.rejectedon_userid ");
@@ -578,10 +591,13 @@ public class AccountDetailsReadPlatformServiceJpaRepositoryImpl implements Accou
 
             final EnumOptionData depositTypeData = SavingsEnumerations.depositType(400);
 
+            final Long accountOfficeId = JdbcSupport.getLong(rs, "accountOfficeId");
+            final String accountOfficeName = rs.getString("accountOfficeName");
+
             // Current accounts have no deposit term, so no FD renewal chain to report.
             return new SavingsAccountSummaryData(id, accountNo, externalId, productId, productName, shortProductName, status, currency,
                     accountBalance, onHoldFunds, null, accountBalance, accountTypeData, timeline, depositTypeData, subStatus, activatedOnDate,
-                    null, null);
+                    null, null, accountOfficeId, accountOfficeName);
         }
     }