niteshandClaude Sonnet 5 46f5a1babd feat(deposits): FD in-place renewal, senior-citizen rate persistence, and Payment action ...

WHAT THIS CHANGES
==================
Three related FD (Fixed Deposit) features, built incrementally in one session:

1. IN-PLACE RENEWAL -- when an FD matures with "Re-Invest Principal and
   Interest", the SAME m_savings_account row is now reused across every
   renewal (account number never changes) instead of closing the account
   and opening a new one. FixedDepositAccount.renewInPlace() does this by
   setting start_interest_calculation_date as a pivot: interest for terms
   before the pivot is never recalculated, only the new term's window is
   computed from there. A new one-to-many audit table m_fd_renewal_history
   records one row per term (renewal_no 0,1,2...) with that term's own
   principal, rate, dates, interest earned, maturity, and status. A
   companion table m_fd_renewal_chart_slab_history archives each closing
   term's full rate-by-tenure chart, captured just before renewInPlace
   overwrites it.

2. SENIOR-CITIZEN RATE -- the CBS Base Interest Rate master
   (m_cbs_base_interest_rate_slab_history) was the only place that ever
   stored a senior-citizen premium. It is now also persisted on
   m_savings_account_interest_rate_slab (new senior_citizen_rate column,
   nullable, added only to this account-level table -- NOT to the shared
   InterestRateChartSlabFields embeddable, so the product-level table
   m_interest_rate_slab is untouched). Applied both at account creation
   (DepositAccountAssembler now prices a new FD off the active CBS base
   version when one exists for that FD type, falling back to the
   product's own chart otherwise) and at renewal (renewInPlace refreshes
   the chart from the same base version).

3. PAYMENT ACTION -- a new manual command, POST
   /fixeddepositaccounts/{id}?command=payment, available whether the FD
   is ACTIVE or MATURED, unlike Close (Matured-only) and Premature Close
   (Active-only, no reinvest). Offers: Transfer to Savings, Re-Invest
   Principal and Interest (via renewInPlace), Re-Invest Principal Only
   (legacy close-and-reopen, now also transfers the leftover interest to
   a chosen savings account instead of stranding it), and a new closure
   type PARTIAL_REINVEST (500) -- part of the matured balance renews in
   place on the same account, the remainder transfers to a savings
   account picked at request time. Withdraw Deposit is deliberately
   excluded from this command. New permission PAYMENT_FIXEDDEPOSITACCOUNT
   plus its CHECKER twin were added in migration 0478.

KEY FILES
=========
- DepositAccountDomainServiceJpa.java: handleFDAccountPayment (new),
  renewInPlace call sites, recordInPlaceRenewal, senior-citizen rate
  matching with unit conversion across days/weeks and months/years
  families.
- FixedDepositAccount.java: renewInPlace, validateRenewalDate,
  isLockedOnDate, fdAccountNumber/renewalCycleNo chain tracking.
- SavingsAccount.java (SHARED with Savings and RD): added
  findLastTransactionBefore -- the interest-posting opening balance for a
  pivot-dated account now seeds from the last transaction strictly before
  the pivot, not the one on it. This fixes a bug where a renewed term
  could accrue zero interest, or double-subtract a same-day withdrawal,
  depending on transaction list order. Also widened
  calculateDateAccountIsLockedUntil to protected so renewInPlace can
  refresh lock-in on each renewed term.
- DepositAccountTransactionDataValidator.java: new validatePayment.
  validateClosing now explicitly rejects PARTIAL_REINVEST (500) so it can
  never reach the Close or Premature-Close handlers, which have no branch
  for it and would otherwise pay the whole balance out in cash. This
  applies to both FD and RD, since they share validateClosing.
- DepositAccountReadPlatformServiceImpl.java: retrieveOneWithClosureTemplate
  (Close and Premature Close, excludes PARTIAL_REINVEST) split from the
  new retrieveOneWithPaymentTemplate (Payment, includes it), sharing one
  private method with a flag. The renewal-history fallback query, for
  chains that predate m_fd_renewal_history, was rewritten to emit the
  exact same column shape as the primary query.
- New: FixedDepositRenewalHistory plus its repository,
  FixedDepositRenewalChartSlabHistory plus its repository,
  PaymentFixedDepositAccountCommandHandler.
- Migrations 0471 through 0478 under tenant/parts, each registered once
  in changelog-tenant.xml.

RD AND SAVINGS IMPACT -- READ THIS IF SOMETHING BREAKS THERE
============================================================
RD and plain Savings share several of the touched files. Verified during
this work:
  - handleRDAccountClosure and RecurringDepositAccount.java were not
    modified.
  - PARTIAL_REINVEST (500) is now rejected by validateClosing for both FD
    and RD close and prematureClose commands, and excluded from their
    template option lists. This was a real regression caught mid-session:
    the enum value briefly leaked into RD's Close dropdown as a working
    looking option that actually paid the whole RD balance out in cash.
    It was found and fixed before this commit.
  - The SavingsAccount.calculateInterestUsing opening-balance change only
    affects accounts where start_interest_calculation_date differs from
    activatedon_date. On the dev DB this was exactly two accounts, both
    FD test accounts created this session. Before deploying, run:
      SELECT deposit_type_enum, COUNT(*) FROM m_savings_account
      WHERE start_interest_calculation_date IS NOT NULL
        AND start_interest_calculation_date <> activatedon_date
      GROUP BY deposit_type_enum;
    Any non-FD rows (100 or 300) there mean a Savings or RD account will
    get a different, corrected interest amount than before. This is
    expected to be rare or zero, but confirm before deploy.
  - DepositAccountAssembler's creation-time base-rate pricing is guarded
    by depositAccountType.isFixedDeposit, so RD account creation is
    unaffected.
  - is_active on InterestRateChart (migration 0474) is read only by
    FixedDepositProduct.activeChart, which only FD's renewInPlace and
    reInvest call. RD's applicableChart path is untouched. Migration 0474
    also retires (is_active = false) any chart whose end_date is already
    past. On the dev DB this retired zero rows; check on the target DB
    before deploy, since there is currently no API to reactivate a
    retired chart.

KNOWN CAVEATS -- NOT YET DONE, FLAGGING RATHER THAN HIDING
============================================================
  - Migrations 0471 through 0477, the DDL ones, have never actually
    executed via Liquibase. They were mirrored by hand directly into the
    dev DB (ADD COLUMN IF NOT EXISTS, CREATE TABLE IF NOT EXISTS) so
    testing could proceed without a full rebuild each time. Liquibase
    will mark them MARK_RAN via preConditions on the dev DB's next real
    run, but their first genuine execution will be on whatever
    environment does not already have these columns and tables, such as
    a fresh QA or production database. Test a migration-from-scratch run
    before relying on this in production.
  - This code has not been compiled. Every new or changed method
    signature, import, and call site was manually cross-checked with
    grep against real declarations, but that is not a substitute for
    gradle actually compiling it. Run a full build before deploying and
    treat any compiler error as expected until confirmed clean.
  - DepositAccountAssembler pricing every new FD off the active CBS base
    rate master, instead of the product's own chart, whenever one exists
    is a real behaviour change affecting all new FD accounts of a type
    that has a base-rate version, not just senior-citizen ones. Flagging
    this for explicit product sign-off, not assuming it in this commit.

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

2026-08-23 16:44:11 +05:30

..

.externalToolBuilders

FINERACT-1421: Fixing Eclipse build/debug

2021-11-04 07:47:04 +01:00

config/swagger

FINERACT-2310: collate and improve security documentation

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src

feat(deposits): FD in-place renewal, senior-citizen rate persistence, and Payment action

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build.gradle

update saving product code

2026-04-13 13:26:33 +05:30

dependencies.gradle

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