feat(fixed-deposits): FD quote from the account engine, FD Special payout schedule popup, Special terms locked

- Rate chart step (account opening): the rate, maturity date, maturity amount
  and interest now come from POST fixeddepositaccounts/account-preview for
  every FD type, so the quote matches the account once created (the old
  calculate-fd-interest call counted quarters from the deposit date and was
  off, e.g. FD DOUBLE by 36,979.23). The client-side formula fallback is
  removed: on an error the message is shown, nothing is estimated.
- Dates are sent as the local calendar day (toISOString() turned 21 Oct at
  local midnight into 20 Oct).
- FD Special: total interest paid out monthly, monthly payout, principal at
  maturity, maturity date, number of payouts, and "View payout schedule",
  which opens the existing Monthly Interest Payout Schedule dialog in a new
  preview mode (Days column, no paid / pending status).
- Preview step: FD Special labels (total interest paid out monthly,
  principal at maturity).
- FD product terms: choosing FD Special locks Interest Calculation Type to
  Simple, as Compounding and Posting are locked to Monthly (the backend
  refuses anything else).
- Preview step: three existing `!= null` template checks rewritten for the
  eqeqeq lint rule, same meaning.

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

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component.html

@@ -331,12 +331,14 @@
                     <span class="fdrc-maturity-row__value">{{ matchResult.appliedRate | number: '1.2-2' }}% p.a.</span>
                   </div>
                   <div class="fdrc-maturity-row fdrc-maturity-row--interest">
-                    <span class="fdrc-maturity-row__label">Interest Earned</span>
+                    <span class="fdrc-maturity-row__label">{{
+                      isSpecial ? 'Total Interest (paid out monthly)' : 'Interest Earned'
+                    }}</span>
                     <span class="fdrc-maturity-row__value">₹ {{ matchResult.interestEarned | number: '1.2-2' }}</span>
                   </div>
                   @if (isSpecial && matchResult.estimatedMonthlyPayout) {
                     <div class="fdrc-maturity-row">
-                      <span class="fdrc-maturity-row__label">Monthly Payout</span>
+                      <span class="fdrc-maturity-row__label">Monthly Payout (approx., by days in the month)</span>
                       <span class="fdrc-maturity-row__value fdrc-maturity-row__value--highlight">
                         ₹ {{ matchResult.estimatedMonthlyPayout | number: '1.2-2' }} / month
                       </span>
@@ -351,13 +353,64 @@
                       }
                     </span>
                     <span class="fdrc-maturity-row__value fdrc-maturity-row__value--big">
-                      ₹ {{ (isSpecial ? principalAmount : matchResult.maturityAmount) | number: '1.2-2' }}
+                      ₹ {{ matchResult.maturityAmount | number: '1.2-2' }}
                     </span>
                   </div>
+                  @if (isSpecial && specialPreview) {
+                    <div class="fdrc-maturity-row">
+                      <span class="fdrc-maturity-row__label">Maturity Date</span>
+                      <span class="fdrc-maturity-row__value">{{
+                        specialPreview.maturityDate | date: 'dd MMM yyyy'
+                      }}</span>
+                    </div>
+                    <div class="fdrc-maturity-row">
+                      <span class="fdrc-maturity-row__label">Monthly payouts</span>
+                      <span class="fdrc-maturity-row__value">{{ specialPreview.numberOfPayouts }}</span>
+                    </div>
+                    <div class="fdrc-maturity-row">
+                      <span class="fdrc-maturity-row__label">Principal + all payouts</span>
+                      <span class="fdrc-maturity-row__value"
+                        >₹ {{ specialPreview.totalValueAtMaturity | number: '1.2-2' }}</span
+                      >
+                    </div>
+                  }
                 </div>
               </div>
+
+              @if (isSpecial && specialPreview) {
+                <div class="fdrc-schedule">
+                  <div class="fdrc-schedule__head">
+                    <span><i class="fas fa-calendar-alt"></i> Monthly Interest Payout Schedule</span>
+                    <button
+                      mat-stroked-button
+                      type="button"
+                      class="fdrc-schedule__toggle"
+                      (click)="openSpecialSchedule()"
+                    >
+                      View payout schedule ({{ specialPreview.numberOfPayouts }})
+                    </button>
+                  </div>
+                  <div class="fdrc-schedule__note">
+                    From {{ specialPreview.startDate | date: 'dd MMM yyyy' }} (the day the account is opened) to
+                    {{ specialPreview.maturityDate | date: 'dd MMM yyyy' }}, worked out by the account engine from the
+                    product.
+                  </div>
+                </div>
+              }
             }
-            @if (!matchResult.maturityAmount) {
+            @if (specialPreviewLoading) {
+              <div class="fdrc-payout-hint">
+                <i class="fas fa-spinner fa-spin"></i>
+                Working out the maturity from the product…
+              </div>
+            }
+            @if (specialPreviewError) {
+              <div class="fdrc-payout-hint fdrc-payout-hint--error">
+                <i class="fas fa-exclamation-triangle"></i>
+                {{ specialPreviewError }}
+              </div>
+            }
+            @if (!matchResult.maturityAmount && !specialPreviewLoading && !specialPreviewError) {
               <div class="fdrc-payout-hint">
                 <i class="fas fa-lightbulb"></i>
                 Enter a deposit amount above to see the maturity calculation.

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component.scss

@@ -1229,3 +1229,72 @@ $red-light: #fee2e2;
     font-weight: 700;
   }
 }
+
+/* FD Special: payout schedule from the backend preview */
+.fdrc-schedule {
+  margin-top: 12px;
+  border: 1px solid #bbf7d0;
+  border-radius: 10px;
+  background: #fff;
+  overflow: hidden;
+
+  &__head {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 8px;
+    padding: 8px 14px;
+    background: #f0fdf4;
+    font-size: 12px;
+    font-weight: 700;
+    color: #166534;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+  }
+
+  &__note {
+    padding: 6px 14px;
+    font-size: 12px;
+    color: #475569;
+  }
+
+  &__wrap {
+    max-height: 360px;
+    overflow: auto;
+  }
+
+  &__table {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: 13px;
+
+    th,
+    td {
+      padding: 6px 14px;
+      border-top: 1px solid #e2e8f0;
+      text-align: left;
+    }
+
+    th {
+      position: sticky;
+      top: 0;
+      background: #f8fafc;
+      font-size: 11px;
+      text-transform: uppercase;
+      color: #64748b;
+    }
+
+    .num {
+      text-align: right;
+    }
+
+    tfoot td {
+      font-weight: 700;
+      background: #f0fdf4;
+    }
+  }
+}
+
+.fdrc-payout-hint--error {
+  color: #b91c1c;
+}

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component.ts

@@ -36,12 +36,39 @@ import { FormsModule } from '@angular/forms';
 import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { FixedDepositsService } from '../../fixed-deposits.service';
+import { MatDialog } from '@angular/material/dialog';
+import { InterestScheduleDialogComponent } from '../../fixed-deposit-account-view/custom-dialogs/interest-schedule-dialog/interest-schedule-dialog.component';
 import { ClientsService } from 'app/clients/clients.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { SENIOR_CITIZEN_AGE_THRESHOLD, deriveSeniorCitizenStatus } from 'app/clients/shared/client-age.util';
 
 export type FdPeriodUnit = 'Days' | 'Months' | 'Years';
 
+/**
+ * yyyy-MM-dd of the calendar day as the user sees it. toISOString() gives the UTC day instead, which in India is the day
+ * before for any date at local midnight - so a deposit opened on the 21st was quoted from the 20th.
+ */
+function localIsoDate(d: Date): string {
+  const pad = (n: number) => String(n).padStart(2, '0');
+  return `${d.getFullYear()}-${pad(d.getMonth() + 1)}-${pad(d.getDate())}`;
+}
+
+/** FD quote from POST fixeddepositaccounts/account-preview (worked out by the account engine, every FD type). */
+export interface SpecialPayoutPreview {
+  fdType: string;
+  depositAmount: number;
+  annualInterestRate: number;
+  seniorCitizen: boolean;
+  startDate: string;
+  maturityDate: string;
+  numberOfPayouts: number;
+  fullMonthPayout: number;
+  totalInterest: number;
+  maturityAmount: number;
+  totalValueAtMaturity: number;
+  periods: { period: number; fromDate: string; toDate: string; days: number; interestAmount: number }[];
+}
+
 export interface SlabMatchResult {
   slab: any;
   slabIndex: number;
@@ -87,6 +114,7 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
   private clientsService = inject(ClientsService);
   private settingsService = inject(SettingsService);
   private cdr = inject(ChangeDetectorRef);
+  private dialog = inject(MatDialog);
 
   @Input() fixedDepositsAccountTemplate: any;
   @Input() fixedDepositsAccountProductTemplate: any;
@@ -163,6 +191,10 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
   }
 
   matchResult: SlabMatchResult | null = null;
+  /** FD Special only: the backend's quote and payout schedule for the tenure and amount entered. */
+  specialPreview: SpecialPayoutPreview | null = null;
+  specialPreviewLoading = false;
+  specialPreviewError: string | null = null;
   validationWarning: string | null = null;
 
   // ── FD Type labels ──────────────────────────────────────────────────────
@@ -270,6 +302,8 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
   calculateRate() {
     this.validationWarning = null;
     this.matchResult = null;
+    this.specialPreview = null;
+    this.specialPreviewError = null;
 
     if (!this.tenureValue || this.tenureValue <= 0) {
       this.validationWarning = 'Please enter a valid tenure value greater than 0.';
@@ -334,30 +368,6 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     const frequencyId = this.resolveFrequencyId(this.tenurePeriodUnit);
 
     if (this.principalAmount && this.principalAmount > 0) {
-      // Years and Months convert exactly; a Days tenure is sent as days and never converted.
-      let tenureInMonths: number | undefined;
-      let tenureInDays: number | undefined;
-      if (this.tenurePeriodUnit === 'Years') {
-        tenureInMonths = this.tenureValue * 12;
-      } else if (this.tenurePeriodUnit === 'Months') {
-        tenureInMonths = this.tenureValue;
-      } else {
-        // Sent as days, whatever the count. Converting to whole months silently dropped the
-        // remainder — a 200-day deposit quoted as six months lost 20 days of interest, and the
-        // screen still said "200 Days" above the figure. The backend takes days directly and
-        // works the calendar out itself.
-        tenureInDays = enteredDays;
-      }
-
-      // Map compounding period type id → months (0=Daily, 1=Daily, 4=Monthly, 5=Quarterly, 6=SemiAnnual, 7=Annual)
-      const compMap: Record<number, number> = { 1: 0, 4: 1, 5: 3, 6: 6, 7: 12 };
-      const compId = this.fixedDepositsAccountProductTemplate?.interestCompoundingPeriodType?.id ?? 4;
-      const compMonths = compMap[compId] ?? 1;
-
-      // Map posting period type id → months
-      const postId = this.fixedDepositsAccountProductTemplate?.interestPostingPeriodType?.id ?? 4;
-      const postMonths = compMap[postId] ?? 1;
-
       const emitResult = () => {
         if (frequencyId !== null) {
           this.tenureSelected.emit({
@@ -375,7 +385,7 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
       // Get submittedOnDate — Input takes priority over template data
       let submittedOnDateStr: string;
       if (this.submittedOnDate) {
-        submittedOnDateStr = this.submittedOnDate.toISOString().split('T')[0];
+        submittedOnDateStr = localIsoDate(this.submittedOnDate);
       } else {
         const submittedOnDateRaw =
           this.fixedDepositsAccountTemplate?.timeline?.submittedOnDate ??
@@ -384,63 +394,18 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
           const d = Array.isArray(submittedOnDateRaw)
             ? new Date(submittedOnDateRaw[0], submittedOnDateRaw[1] - 1, submittedOnDateRaw[2])
             : new Date(submittedOnDateRaw);
-          submittedOnDateStr = !isNaN(d.getTime())
+          submittedOnDateStr = !isNaN(d.getTime()) ? localIsoDate(d) : localIsoDate(new Date());
-            ? d.toISOString().split('T')[0]
-            : new Date().toISOString().split('T')[0];
         } else {
-          submittedOnDateStr = new Date().toISOString().split('T')[0];
+          submittedOnDateStr = localIsoDate(new Date());
         }
       }
-      const daysInYearVal =
+      // The whole quote - rate, maturity date, maturity amount and, for FD Special, the month-by-month payout
-        this.fixedDepositsAccountProductTemplate?.interestCalculationDaysInYearType?.id === 360 ? 360 : 365;
+      // schedule - comes from the backend, which builds the would-be account from the product exactly as Submit does
-
+      // (its posting periods, compounding, days in year, rate card, senior-citizen rate) and runs the account's own
-      // Always use backend API for accurate calculation (including daily compounding with 0)
+      // interest engine. Nothing is worked out here: on an error the quote is simply not shown, never estimated.
-      this.fixedDepositsService
+      if (frequencyId !== null) {
-        .calculateFixedDepositInterest({
+        this.loadAccountPreview(result, rate, submittedOnDateStr, frequencyId, emitResult);
-          principalAmount: this.principalAmount,
+      }
-          annualInterestRate: rate,
-          tenureInMonths,
-          tenureInDays,
-          interestCompoundingPeriodInMonths: compMonths, // 0 = daily, now supported by backend
-          interestPostingPeriodInMonths: postMonths,
-          submittedOnDate: submittedOnDateStr,
-          daysInYear: daysInYearVal
-        })
-        .subscribe({
-          next: (apiResult: any) => {
-            result.maturityAmount = apiResult.maturityAmount;
-            result.interestEarned =
-              apiResult.totalInterest ?? Math.round((apiResult.maturityAmount - this.principalAmount) * 100) / 100;
-            this.matchResult = { ...result };
-            emitResult();
-          },
-          error: () => {
-            // Fallback if API fails: frontend formula
-            const r = rate / 100;
-            if (compMonths === 0) {
-              // Daily compounding fallback
-              result.maturityAmount =
-                Math.round(this.principalAmount * Math.pow(1 + r / daysInYearVal, enteredDays) * 100) / 100;
-            } else {
-              const n = 12 / compMonths;
-              const effectiveMonths = tenureInMonths ?? enteredDays / 30;
-              const rPerCompounding = rate / (n * 100);
-              // Whole compounding periods, then simple interest on the days left over. Flooring the
-              // periods and stopping there dropped the remainder entirely: a 200-day deposit
-              // compounding monthly quoted only six months of interest and lost the other twenty
-              // days, which is the depositor's money.
-              const wholePeriods = Math.floor(effectiveMonths / compMonths);
-              const compounded = this.principalAmount * Math.pow(1 + rPerCompounding, wholePeriods);
-              const leftoverDays = enteredDays - wholePeriods * compMonths * 30;
-              const leftoverInterest =
-                leftoverDays > 0 ? (compounded * rate * leftoverDays) / (100 * daysInYearVal) : 0;
-              result.maturityAmount = Math.round((compounded + leftoverInterest) * 100) / 100;
-            }
-            result.interestEarned = Math.round((result.maturityAmount - this.principalAmount) * 100) / 100;
-            this.matchResult = { ...result };
-            emitResult();
-          }
-        });
     } else {
       this.matchResult = result;
       if (frequencyId !== null) {
@@ -457,6 +422,96 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     }
   }
 
+  /** The backend's payout schedule in the same popup the account itself uses, in its quote (preview) mode. */
+  openSpecialSchedule(): void {
+    if (!this.specialPreview) return;
+    this.dialog.open(InterestScheduleDialogComponent, {
+      width: '760px',
+      data: {
+        preview: true,
+        currencyCode: this.fixedDepositsAccountProductTemplate?.currency?.code ?? 'INR',
+        note:
+          'Worked out by the account engine from the product, starting ' +
+          this.specialPreview.startDate +
+          ' (the day the account is opened) and ending the day before maturity on ' +
+          this.specialPreview.maturityDate +
+          '. The first and last periods are part-months; each pays for the days it covers.',
+        schedule: this.specialPreview.periods.map((p) => ({
+          fromDate: p.fromDate,
+          toDate: p.toDate,
+          days: p.days,
+          interestAmount: Number(p.interestAmount),
+          paid: false
+        }))
+      }
+    });
+  }
+
+  /**
+   * Asks the backend for the quote (POST fixeddepositaccounts/account-preview) with the same terms Submit sends: the
+   * product's own interest terms, and the senior-citizen rate the same way Submit overrides it. The rate, maturity
+   * amount and interest shown are the backend's, so they match the account once it is created.
+   */
+  private loadAccountPreview(
+    result: SlabMatchResult,
+    rate: number,
+    submittedOnDateStr: string,
+    frequencyId: number,
+    emitResult: () => void
+  ): void {
+    const pt = this.fixedDepositsAccountProductTemplate ?? {};
+    const body: any = {
+      clientId: pt.clientId ?? this.fixedDepositsAccountTemplate?.clientId,
+      productId: pt.depositProductId ?? pt.productId ?? this.fixedDepositsAccountTemplate?.productId,
+      submittedOnDate: submittedOnDateStr,
+      dateFormat: 'yyyy-MM-dd',
+      locale: 'en',
+      depositAmount: this.principalAmount,
+      depositPeriod: this.tenureValue,
+      depositPeriodFrequencyId: frequencyId
+    };
+    if (pt.nominalAnnualInterestRate != null) body.nominalAnnualInterestRate = pt.nominalAnnualInterestRate;
+    if (pt.interestCompoundingPeriodType?.id != null)
+      body.interestCompoundingPeriodType = pt.interestCompoundingPeriodType.id;
+    if (pt.interestPostingPeriodType?.id != null) body.interestPostingPeriodType = pt.interestPostingPeriodType.id;
+    if (pt.interestCalculationType?.id != null) body.interestCalculationType = pt.interestCalculationType.id;
+    if (pt.interestCalculationDaysInYearType?.id != null)
+      body.interestCalculationDaysInYearType = pt.interestCalculationDaysInYearType.id;
+    if (this.isSeniorCitizen && rate > 0) {
+      body.isSeniorCitizen = true;
+      body.seniorCitizenInterestRate = rate;
+      body.nominalAnnualInterestRate = rate;
+    }
+
+    this.specialPreview = null;
+    this.specialPreviewError = null;
+    this.specialPreviewLoading = true;
+    this.fixedDepositsService.accountPreview(body).subscribe({
+      next: (preview: SpecialPayoutPreview) => {
+        this.specialPreviewLoading = false;
+        this.specialPreview = preview;
+        result.appliedRate = Number(preview.annualInterestRate);
+        result.interestEarned = Number(preview.totalInterest);
+        result.estimatedMonthlyPayout = preview.fullMonthPayout != null ? Number(preview.fullMonthPayout) : undefined;
+        result.maturityAmount = Number(preview.maturityAmount);
+        this.matchResult = { ...result };
+        emitResult();
+        this.cdr.markForCheck();
+      },
+      error: (e: any) => {
+        this.specialPreviewLoading = false;
+        this.specialPreviewError =
+          e?.error?.errors?.[0]?.defaultUserMessage ||
+          e?.error?.defaultUserMessage ||
+          'Could not work out the maturity. Check the deposit details and try again.';
+        result.maturityAmount = undefined;
+        result.interestEarned = undefined;
+        this.matchResult = { ...result };
+        this.cdr.markForCheck();
+      }
+    });
+  }
+
   private resolveFrequencyId(unit: FdPeriodUnit): number | null {
     const options: any[] = this.fixedDepositsAccountProductTemplate?.periodFrequencyTypeOptions ?? [];
     const unitLower = unit.toLowerCase();
@@ -471,12 +526,16 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     this.tenureValue = null;
     this.principalAmount = null;
     this.matchResult = null;
+    this.specialPreview = null;
+    this.specialPreviewError = null;
     this.validationWarning = null;
     this.tenurePeriodUnit = this.allowedPeriodUnits[0];
   }
 
   onPeriodUnitChange() {
     this.matchResult = null;
+    this.specialPreview = null;
+    this.specialPreviewError = null;
     this.validationWarning = null;
   }
 
@@ -524,6 +583,8 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
       this.calculateRate();
     } else {
       this.matchResult = null;
+      this.specialPreview = null;
+      this.specialPreviewError = null;
     }
   }
 

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-preview-step/fixed-deposit-account-preview-step.component.html

@@ -326,7 +326,7 @@
             <div class="preview-dorm-step__body">
               <span class="preview-dorm-step__label">Inactive</span>
               <span class="preview-dorm-step__days">
-                @if (fixedDepositsAccountProductTemplate?.daysToInactive != null) {
+                @if ((fixedDepositsAccountProductTemplate?.daysToInactive ?? null) !== null) {
                   After {{ fixedDepositsAccountProductTemplate.daysToInactive }} days of no transaction
                 } @else {
                   Not configured
@@ -340,7 +340,7 @@
             <div class="preview-dorm-step__body">
               <span class="preview-dorm-step__label">Dormant</span>
               <span class="preview-dorm-step__days">
-                @if (fixedDepositsAccountProductTemplate?.daysToDormancy != null) {
+                @if ((fixedDepositsAccountProductTemplate?.daysToDormancy ?? null) !== null) {
                   {{ fixedDepositsAccountProductTemplate.daysToDormancy }} days after inactive
                 } @else {
                   Not configured
@@ -354,7 +354,7 @@
             <div class="preview-dorm-step__body">
               <span class="preview-dorm-step__label">Escheat</span>
               <span class="preview-dorm-step__days">
-                @if (fixedDepositsAccountProductTemplate?.daysToEscheat != null) {
+                @if ((fixedDepositsAccountProductTemplate?.daysToEscheat ?? null) !== null) {
                   {{ fixedDepositsAccountProductTemplate.daysToEscheat }} days after dormant
                 } @else {
                   Not configured
@@ -458,13 +458,15 @@
             <span class="preview-value">{{ maturitySummary.tenureLabel }}</span>
           </div>
           <div class="preview-field">
-            <span class="preview-label">Estimated Interest Earned</span>
+            <span class="preview-label">{{
+              isSpecial ? 'Total Interest (paid out monthly)' : 'Estimated Interest Earned'
+            }}</span>
             <span class="preview-value" style="color: var(--theme-success, #28a745); font-weight: 500">
               + {{ maturitySummary.totalInterest | formatNumber }} {{ currencyName }}
             </span>
           </div>
           <div class="preview-field" style="grid-column: span 2">
-            <span class="preview-label">Projected Maturity Amount</span>
+            <span class="preview-label">{{ isSpecial ? 'Principal at Maturity' : 'Projected Maturity Amount' }}</span>
             <span class="preview-value preview-mono" style="font-weight: 600; font-size: 1.25rem">
               {{ maturitySummary.maturityAmount | formatNumber }} {{ currencyName }}
             </span>

src/app/deposits/fixed-deposits/fixed-deposit-account-stepper/fixed-deposit-account-preview-step/fixed-deposit-account-preview-step.component.ts

@@ -145,6 +145,11 @@ export class FixedDepositAccountPreviewStepComponent implements OnChanges {
     SPECIAL: 'FD Special (Monthly Interest Payout)'
   };
 
+  /** FD Special pays its interest out monthly; the principal alone comes back at maturity. */
+  get isSpecial(): boolean {
+    return this.fixedDepositsAccountProductTemplate?.fdType === 'SPECIAL';
+  }
+
   getFdTypeLabel(fdType: string): string {
     return this.fdTypeLabels[fdType] || fdType;
   }

src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/interest-schedule-dialog/interest-schedule-dialog.component.html

@@ -11,15 +11,25 @@
     <span class="isd-header__icon"><fa-icon icon="calendar-alt"></fa-icon></span>
     <span class="isd-header__text">
       <span class="isd-header__title">{{ 'labels.heading.Monthly Interest Payout Schedule' | translate }}</span>
-      <span class="isd-header__sub">{{ paidCount }} of {{ schedule.length }} periods paid so far</span>
+      <span class="isd-header__sub">
+        @if (isPreview) {
+          {{ schedule.length }} monthly payouts
+        } @else {
+          {{ paidCount }} of {{ schedule.length }} periods paid so far
+        }
+      </span>
     </span>
   </h2>
 
   <div mat-dialog-content class="isd-content">
     <p class="isd-note">
       <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
-      Computed by the actual interest engine for this account's full term -- the exact amount posted each month can vary
+      @if (data.note) {
-      slightly with the number of days in that month.
+        {{ data.note }}
+      } @else {
+        Computed by the actual interest engine for this account's full term -- the exact amount posted each month can
+        vary slightly with the number of days in that month.
+      }
     </p>
 
     <div class="isd-scroll">
@@ -28,8 +38,13 @@
           <tr>
             <th>{{ 'labels.inputs.From Date' | translate }}</th>
             <th>{{ 'labels.inputs.To Date' | translate }}</th>
+            @if (isPreview) {
+              <th class="isd-table__amount-col">Days</th>
+            }
             <th class="isd-table__amount-col">{{ 'labels.inputs.Interest Amount' | translate }}</th>
-            <th class="isd-table__status-col">{{ 'labels.inputs.Status' | translate }}</th>
+            @if (!isPreview) {
+              <th class="isd-table__status-col">{{ 'labels.inputs.Status' | translate }}</th>
+            }
           </tr>
         </thead>
         <tbody>
@@ -37,28 +52,35 @@
             <tr [class.isd-table__row--paid]="period.paid">
               <td>{{ period.fromDate | dateFormat }}</td>
               <td>{{ period.toDate | dateFormat }}</td>
+              @if (isPreview) {
+                <td class="isd-table__amount-col">{{ period.days }}</td>
+              }
               <td class="isd-table__amount-col">
                 {{ period.interestAmount | currency: currencyCode : 'symbol-narrow' : '1.2-2' }}
               </td>
-              <td class="isd-table__status-col">
+              @if (!isPreview) {
-                @if (period.paid) {
+                <td class="isd-table__status-col">
-                  <span class="isd-badge isd-badge--paid">
+                  @if (period.paid) {
-                    <fa-icon icon="check-circle" class="m-r-5"></fa-icon>Paid
+                    <span class="isd-badge isd-badge--paid">
-                  </span>
+                      <fa-icon icon="check-circle" class="m-r-5"></fa-icon>Paid
-                } @else {
+                    </span>
-                  <span class="isd-badge isd-badge--pending">Pending</span>
+                  } @else {
-                }
+                    <span class="isd-badge isd-badge--pending">Pending</span>
-              </td>
+                  }
+                </td>
+              }
             </tr>
           }
         </tbody>
         <tfoot>
           <tr>
-            <td colspan="2">{{ 'labels.inputs.Total Interest Payable' | translate }}</td>
+            <td [attr.colspan]="isPreview ? 3 : 2">{{ 'labels.inputs.Total Interest Payable' | translate }}</td>
             <td class="isd-table__amount-col">
               {{ totalInterest | currency: currencyCode : 'symbol-narrow' : '1.2-2' }}
             </td>
-            <td></td>
+            @if (!isPreview) {
+              <td></td>
+            }
           </tr>
         </tfoot>
       </table>

src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/interest-schedule-dialog/interest-schedule-dialog.component.ts

@@ -26,6 +26,9 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
  * a 24+ month term makes for a long table that would otherwise push every other card on the tab down
  * the page. Each row also shows whether that period's interest has actually posted yet, not just what
  * the engine projects it to be.
+ *
+ * Also opened from the account-opening screen with `preview: true`: the backend's quote for an FD Special
+ * not opened yet, so there is no paid / pending status, and each period shows its number of days.
  */
 @Component({
   selector: 'mifosx-interest-schedule-dialog',
@@ -46,14 +49,22 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 export class InterestScheduleDialogComponent {
   dialogRef = inject<MatDialogRef<InterestScheduleDialogComponent>>(MatDialogRef);
   data: {
-    schedule: Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean }>;
+    schedule: Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean; days?: number }>;
     currencyCode: string;
+    /** Account-opening quote: no paid / pending status. */
+    preview?: boolean;
+    /** Shown above the table instead of the account note. */
+    note?: string;
   } = inject(MAT_DIALOG_DATA);
 
-  get schedule(): Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean }> {
+  get schedule(): Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean; days?: number }> {
     return this.data.schedule ?? [];
   }
 
+  get isPreview(): boolean {
+    return !!this.data.preview;
+  }
+
   get currencyCode(): string {
     return this.data.currencyCode;
   }

src/app/deposits/fixed-deposits/fixed-deposits.service.ts

@@ -154,6 +154,16 @@ export class FixedDepositsService {
     return this.http.get(`/fixeddepositaccounts/calculate-fd-interest`, { params: httpParams });
   }
 
+  /**
+   * FD quote while opening the account, for every FD type: the same body as create (clientId, productId,
+   * submittedOnDate, depositAmount, depositPeriod, depositPeriodFrequencyId, interest terms, senior citizen ...). The
+   * backend builds the would-be account from the product, without saving it, and returns the applied rate, maturity
+   * date and amount Submit would store, and the interest periods (FD Special: the monthly payout schedule).
+   */
+  accountPreview(body: any): Observable<any> {
+    return this.http.post(`/fixeddepositaccounts/account-preview`, body);
+  }
+
   /**
    * FD Dashboard's "Renew" action on a matured FD whose product has a renewal grace period
    * configured: backdated to the original maturity date within the grace window, or from today

src/app/products/fixed-deposit-products/fixed-deposit-product-stepper/fixed-deposit-product-terms-step/fixed-deposit-product-terms-step.component.ts

@@ -129,12 +129,24 @@ export class FixedDepositProductTermsStepComponent implements OnInit, OnChanges
    * (see DepositAccountAssembler#assembleFrom on the backend), so the product itself is locked to the
    * same values here to avoid an admin configuring a combination that the backend will silently override
    * at account-creation time.
+   *
+   * Its interest is paid out every month, so nothing compounds on the principal: the Interest Calculation Type is
+   * locked to Simple as well. The backend refuses an FD Special product with any other value for these three
+   * (DepositProductDataValidator), so a request from anywhere else cannot save them either.
    */
   private applyFdTypeConstraints() {
     if (!this.fixedDepositProductTermsForm) return;
     const postingCtrl = this.fixedDepositProductTermsForm.get('interestPostingPeriodType');
     const compoundingCtrl = this.fixedDepositProductTermsForm.get('interestCompoundingPeriodType');
+    const calculationTypeCtrl = this.fixedDepositProductTermsForm.get('interestCalculateSelector');
     if (this.fdType === 'SPECIAL') {
+      const simple = (this.interestCalculationTypeOptionData || []).find(
+        (o: any) => String(o.value ?? o.name ?? '').toLowerCase() === 'simple'
+      );
+      if (calculationTypeCtrl && simple) {
+        calculationTypeCtrl.setValue(simple.id);
+        calculationTypeCtrl.disable();
+      }
       // Monthly = id 4 (MONTHLY in Fineract's SavingsPostingInterestPeriodType/SavingsCompoundingInterestPeriodType enums)
       const findMonthly = (data: any) => data?.find((o: any) => o.value?.toLowerCase() === 'monthly' || o.id === 4);
       if (postingCtrl && this.interestPostingPeriodTypeData) {
@@ -154,6 +166,7 @@ export class FixedDepositProductTermsStepComponent implements OnInit, OnChanges
     } else {
       postingCtrl?.enable();
       compoundingCtrl?.enable();
+      calculationTypeCtrl?.enable();
     }
   }