Merge branch 'dev' of https://git.lincpay.tech/CBSNexora/cbsnexora into dev

src/app/cashier/transaction-entry/transaction-entry.component.ts

@@ -1401,7 +1401,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
         dbCr: 'Cr',
         accountNo: cr.acNo,
         accountName: this.rowAccountNames[cr.acNo] ?? cr.acNo,
-        accountType: cr.acTyp === 'CA' || cr.acTyp === 'CB' ? 'CURRENT' : cr.acTyp === 'GL' ? 'GL' : 'SAVINGS',
+        accountType: this.creditEntryAccountType(cr.acTyp),
         savingsAccountId: cr.acTyp !== 'GL' ? (this.rowAccountIds[cr.acNo] ?? null) : null,
         glAccountId: cr.acTyp === 'GL' ? (this.rowAccountIds[cr.acNo] ?? null) : null,
         amount: String(cr.amount),
@@ -1421,7 +1421,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
         dbCr: r.dbCr,
         accountNo: r.acNo,
         accountName: this.rowAccountNames[r.acNo] ?? r.acNo,
-        accountType: r.acTyp === 'CA' || r.acTyp === 'CB' ? 'CURRENT' : r.acTyp === 'GL' ? 'GL' : 'SAVINGS',
+        accountType: this.creditEntryAccountType(r.acTyp),
         savingsAccountId: r.acTyp !== 'GL' ? (this.rowAccountIds[r.acNo] ?? null) : null,
         glAccountId: r.acTyp === 'GL' ? (this.rowAccountIds[r.acNo] ?? null) : null,
         amount: String(r.amount),
@@ -1490,7 +1490,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       dbCr,
       accountNo: r.acNo,
       accountName: this.rowAccountNames[r.acNo] ?? r.acNo,
-      accountType: r.acTyp === 'CA' || r.acTyp === 'CB' ? 'CURRENT' : 'SAVINGS',
+      accountType: this.creditEntryAccountType(r.acTyp),
       savingsAccountId: this.rowAccountIds[r.acNo],
       amount: String(r.amount),
       description: r.description ?? null
@@ -1937,6 +1937,36 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   /** Maps UI account type → { listEndpoint, detailEndpoint, nomineeType, searchResource } */
+  /**
+   * The account-type label carried on a disbursement request's credit/debit entry.
+   *
+   * The backend (ClerkDisbursementRequestApiResource) only ever branches on 'GL' and 'CURRENT'; every
+   * other value takes the same path, and in the disbursement flow it resolves current-vs-savings from
+   * the database rather than from this string. So naming a fixed or recurring deposit accurately here
+   * changes only what the approving checker sees, never what gets posted. Previously anything that
+   * wasn't current or GL was labelled 'SAVINGS', which showed a checker an FD as a savings account --
+   * exactly the wrong information to approve a disbursement against.
+   */
+  private creditEntryAccountType(acTyp: string | undefined | null): string {
+    switch ((acTyp ?? '').toUpperCase()) {
+      case 'GL':
+        return 'GL';
+      case 'CA':
+      case 'CB':
+        return 'CURRENT';
+      case 'FD':
+        return 'FIXED_DEPOSIT';
+      case 'RD':
+        return 'RECURRING_DEPOSIT';
+      case 'SHR':
+        return 'SHARE';
+      case 'LA':
+        return 'LOAN';
+      default:
+        return 'SAVINGS';
+    }
+  }
+
   private accountTypeConfig(acTyp: string): {
     list: string;
     detail: string;
@@ -2136,8 +2166,12 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       // Track per-row account id/name for multi-row disbursement
       if (this.selectedRow?.acNo) {
         this.rowAccountIds[this.selectedRow.acNo] = acc.id;
+        // clientName must be in this chain: a deposit account's detail response carries the holder
+        // under clientName, not name/displayName (only GL accounts have `name`). Without it every FD
+        // and RD fell through to accountNo, so a disbursement request showed the checker an account
+        // number where the account holder's name belongs.
         this.rowAccountNames[this.selectedRow.acNo] =
-          acc.name ?? acc.displayName ?? acc.glAccountName ?? acc.accountNo ?? '';
+          acc.name ?? acc.displayName ?? acc.clientName ?? acc.glAccountName ?? acc.accountNo ?? '';
         this.rowClientIds[this.selectedRow.acNo] = acc.clientId ?? null;
       }
       if (this.selectedRow) {
@@ -3696,7 +3730,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
     return {
       accountNo: this.accountDetails.accountNo,
-      accountType: 'SAVINGS',
+      accountType: this.creditEntryAccountType(row.acTyp),
       savingsAccountId: this.accountDetails.id,
       clientId: this.accountDetails.clientId ?? this.clientDetails?.id ?? null,
       clientName: this.clientDetails?.displayName ?? this.accountDetails?.clientName ?? null,
@@ -3805,7 +3839,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     const isGl = row.acTyp === 'GL';
     return {
       accountNo: isGl ? (this.accountDetails.glCode ?? this.accountDetails.name) : this.accountDetails.accountNo,
-      accountType: isGl ? 'GL' : row.acTyp === 'CA' || row.acTyp === 'CB' ? 'CURRENT' : 'SAVINGS',
+      accountType: this.creditEntryAccountType(row.acTyp),
       savingsAccountId: isGl ? null : this.accountDetails.id,
       // GL-specific fields — ignored by backend for non-GL types
       glAccountId: isGl ? this.accountDetails.id : null,

src/app/clerk/disbursement-review/disbursement-review.component.html

@@ -159,7 +159,7 @@
                   <td class="cell-mono">{{ entry.accountNo }}</td>
                   <td>{{ entry.accountName }}</td>
                   <td>
-                    <span class="dri-type-badge">{{ entry.accountType }}</span>
+                    <span class="dri-type-badge">{{ accountTypeLabel(entry.accountType) }}</span>
                   </td>
                   <td class="num dri-cr-amount">₹{{ entry.amount | number: '1.2-2' }}</td>
                 </tr>
@@ -197,7 +197,7 @@
                   <td class="cell-mono">{{ entry.accountNo }}</td>
                   <td>{{ entry.accountName }}</td>
                   <td>
-                    <span class="dri-type-badge">{{ entry.accountType }}</span>
+                    <span class="dri-type-badge">{{ accountTypeLabel(entry.accountType) }}</span>
                   </td>
                   <td class="num dri-cr-amount">₹{{ entry.amount | number: '1.2-2' }}</td>
                 </tr>
@@ -233,7 +233,7 @@
                   <td class="cell-mono">{{ entry.accountNo }}</td>
                   <td>{{ entry.accountName }}</td>
                   <td>
-                    <span class="dri-type-badge">{{ entry.accountType }}</span>
+                    <span class="dri-type-badge">{{ accountTypeLabel(entry.accountType) }}</span>
                   </td>
                   <td class="num dri-cr-amount">₹{{ entry.amount | number: '1.2-2' }}</td>
                 </tr>

src/app/clerk/disbursement-review/disbursement-review.component.ts

@@ -143,6 +143,24 @@ export class DisbursementReviewComponent implements OnInit {
     return this.drEntries.reduce((sum, e) => sum + (e.amount ?? 0), 0);
   }
 
+  /**
+   * Human-readable account type for the badge. The stored value is the backend's own code
+   * (SAVINGS / CURRENT / FIXED_DEPOSIT / RECURRING_DEPOSIT / SHARE / LOAN / GL), so this only
+   * changes presentation -- a checker should read "Fixed Deposit", not "FIXED_DEPOSIT".
+   */
+  accountTypeLabel(accountType: string): string {
+    const labels: Record<string, string> = {
+      SAVINGS: 'Savings',
+      CURRENT: 'Current',
+      FIXED_DEPOSIT: 'Fixed Deposit',
+      RECURRING_DEPOSIT: 'Recurring Deposit',
+      SHARE: 'Share',
+      LOAN: 'Loan',
+      GL: 'GL'
+    };
+    return labels[(accountType ?? '').toUpperCase()] ?? accountType;
+  }
+
   statusClass(status: string): string {
     const map: Record<string, string> = {
       PENDING: 'dri-status--pending',

src/app/clerk/my-disbursement-requests/my-disbursement-requests.component.html

@@ -170,7 +170,9 @@
                             <td class="cell-mono">{{ ce.accountNo || '—' }}</td>
                             <td>{{ ce.accountName || '—' }}</td>
                             <td>
-                              <span class="mdr-actype">{{ ce.accountType || '—' }}</span>
+                              <span class="mdr-actype">{{
+                                ce.accountType ? accountTypeLabel(ce.accountType) : '—'
+                              }}</span>
                             </td>
                             <td class="num mdr-ce-amount">{{ ce.amount | number: '1.2-2' }}</td>
                           </tr>

src/app/clerk/my-disbursement-requests/my-disbursement-requests.component.ts

@@ -187,6 +187,23 @@ export class MyDisbursementRequestsComponent implements OnInit {
     return this.getCreditEntries(req).length;
   }
 
+  /**
+   * Human-readable account type for the badge. The stored value is the backend's own code
+   * (SAVINGS / CURRENT / FIXED_DEPOSIT / RECURRING_DEPOSIT / SHARE / LOAN / GL); presentation only.
+   */
+  accountTypeLabel(accountType: string): string {
+    const labels: Record<string, string> = {
+      SAVINGS: 'Savings',
+      CURRENT: 'Current',
+      FIXED_DEPOSIT: 'Fixed Deposit',
+      RECURRING_DEPOSIT: 'Recurring Deposit',
+      SHARE: 'Share',
+      LOAN: 'Loan',
+      GL: 'GL'
+    };
+    return labels[(accountType ?? '').toUpperCase()] ?? accountType;
+  }
+
   statusClass(status: string): string {
     const map: Record<string, string> = {
       PENDING: 'mdr-status--pending',

src/app/clients/client-stepper/client-general-step/client-general-step.component.html

@@ -394,7 +394,7 @@
       }
     </div>
 
-    <!-- Minor / Guardian Mapping (mandatory if age < 18) -->
+    <!-- Minor / Guardian Mapping (mandatory for a minor -- see MINOR_AGE_THRESHOLD) -->
     @if (isMinor && createClientForm.get('legalFormId')?.value === LegalFormId.PERSON) {
       <div class="guardian-section">
         <!-- Header bar -->

src/app/clients/client-stepper/client-general-step/client-general-step.component.ts

@@ -56,6 +56,12 @@ import {
   ContactOtpBlockComponent,
   ContactOtpState
 } from 'app/clients/edit-client/contact-otp-block/contact-otp-block.component';
+import {
+  MINOR_AGE_THRESHOLD,
+  SENIOR_CITIZEN_AGE_THRESHOLD,
+  isMinorAge,
+  isSeniorCitizenAge
+} from 'app/clients/shared/client-age.util';
 
 /**
  * Create Client Component
@@ -299,10 +305,13 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
   ];
   /** Calculated age detail string (Y/M/D) */
   calculatedAgeDetail: string | null = null;
-  /** Whether client is a minor (age < 18) */
+  /** Whether client is a minor — threshold from the shared age util, derived from Date of Birth */
   isMinor = false;
-  /** Whether client is a senior citizen (age >= 60) — auto-detected from Date of Birth */
+  /** Whether client is a senior citizen — threshold from the shared age util, derived from DOB */
   isSeniorCitizen = false;
+  /** Exposed for template hints so the displayed rule can never drift from the applied rule. */
+  readonly minorAgeThreshold = MINOR_AGE_THRESHOLD;
+  readonly seniorCitizenAgeThreshold = SENIOR_CITIZEN_AGE_THRESHOLD;
   /** Age breakdown for DB storage */
   ageBreakdown = { years: 0, months: 0, days: 0 };
 
@@ -1237,8 +1246,8 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
             this.calculatedAgeDetail = `${years} yr${years !== 1 ? 's' : ''} ${months} mo${months !== 1 ? 's' : ''} ${days} day${days !== 1 ? 's' : ''}`;
             this.ageBreakdown = { years, months, days };
             const wasMinor = this.isMinor;
-            this.isMinor = years < 18;
-            this.isSeniorCitizen = years >= 60;
+            this.isMinor = isMinorAge(years);
+            this.isSeniorCitizen = isSeniorCitizenAge(years);
             // Add/remove guardian form group based on minor status
             if (this.isMinor && !wasMinor) {
               this.createClientForm.addControl(

src/app/clients/client-stepper/client-preview-step/client-preview-step.component.html

@@ -195,7 +195,7 @@
                   client.isMinor ? 'preview-badge preview-badge--danger' : 'preview-badge preview-badge--verified'
                 "
               >
-                {{ client.isMinor ? 'Yes (Age < 18)' : 'No' }}
+                {{ client.isMinor ? 'Yes' : 'No' }}
               </span>
             </span>
           </div>

src/app/clients/clients-view/personal-data-tab/personal-data-tab.component.html

@@ -105,7 +105,7 @@
                   [class.pd-verify-badge--verified]="!clientViewData.isMinor"
                   [class.pd-verify-badge--pending]="clientViewData.isMinor"
                 >
-                  {{ clientViewData.isMinor ? 'Yes (Age < 18)' : 'No' }}
+                  {{ clientViewData.isMinor ? 'Yes' : 'No' }}
                 </span>
               </div>
             </div>

src/app/clients/shared/client-age.util.ts

@@ -0,0 +1,97 @@
+/**
+ * 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/.
+ */
+
+/**
+ * Single source of truth for every age-derived client classification.
+ *
+ * These rules were previously re-implemented as bare literals in ten separate components (the client
+ * stepper plus each product's account-details step), which is how a client could end up classified one
+ * way on the client screen and another way on the account screen -- and, in the FD case, how a
+ * 24-year-old ended up with a senior-citizen interest rate. Anything that needs to know whether a
+ * client is a minor or a senior citizen must derive it from here rather than comparing ages inline.
+ */
+
+/** Below this age a client is a minor: guardian mapping required, restricted KYC/OVD document set. */
+export const MINOR_AGE_THRESHOLD = 10;
+
+/** At or above this age a client qualifies for senior-citizen benefits (higher deposit rates). */
+export const SENIOR_CITIZEN_AGE_THRESHOLD = 60;
+
+/**
+ * Age at which a minor account must be converted to a regular one. Deliberately independent of
+ * {@link MINOR_AGE_THRESHOLD}: legal majority in India is 18 regardless of the age at which this CBS
+ * chooses to stop applying minor-specific onboarding rules.
+ */
+export const AGE_OF_MAJORITY = 18;
+
+/** Parses the backend's date-of-birth representation -- either a `[yyyy, m, d]` array or a date string. */
+export function parseClientDob(dob: any): Date | null {
+  if (!dob) return null;
+  if (Array.isArray(dob) && dob.length >= 3) {
+    return new Date(dob[0], dob[1] - 1, dob[2]);
+  }
+  const parsed = new Date(dob);
+  return isNaN(parsed.getTime()) ? null : parsed;
+}
+
+/**
+ * Completed years between `dob` and `asOf`. Pass the tenant's business date as `asOf` wherever it is
+ * available, so a back-dated or forward-dated business date classifies the client the same way the
+ * rest of the system does.
+ */
+export function calculateAge(dob: Date, asOf?: Date | null): number {
+  const today = asOf ?? new Date();
+  let age = today.getFullYear() - dob.getFullYear();
+  const monthDiff = today.getMonth() - dob.getMonth();
+  if (monthDiff < 0 || (monthDiff === 0 && today.getDate() < dob.getDate())) {
+    age--;
+  }
+  return age;
+}
+
+/** True when the age qualifies as a minor. `null` (unknown DOB) is never a minor. */
+export function isMinorAge(age: number | null | undefined): boolean {
+  return age !== null && age !== undefined && age < MINOR_AGE_THRESHOLD;
+}
+
+/** True when the age qualifies for senior-citizen benefits. `null` (unknown DOB) never qualifies. */
+export function isSeniorCitizenAge(age: number | null | undefined): boolean {
+  return age !== null && age !== undefined && age >= SENIOR_CITIZEN_AGE_THRESHOLD;
+}
+
+/**
+ * Whether a client record represents a natural person. Only a natural person can be a minor or a
+ * senior citizen -- an entity/company has no age, so age-derived benefits must never apply to one
+ * even if some incorporation date happens to be stored against it.
+ */
+export function isIndividualClient(client: any): boolean {
+  const legalForm = client?.legalForm;
+  if (!legalForm) return true; // absent legal form: treat as individual, matching the backend default
+  const code = String(legalForm.code ?? '').toLowerCase();
+  if (code) return code.includes('individual') && !code.includes('nonindividual');
+  const value = String(legalForm.value ?? legalForm.name ?? '').toLowerCase();
+  return value === 'individual';
+}
+
+/**
+ * The senior-citizen decision for a whole client record: individual, known DOB, and old enough.
+ * Returns the derived age alongside the verdict so callers can show "why" without recomputing it.
+ */
+export function deriveSeniorCitizenStatus(
+  client: any,
+  asOf?: Date | null
+): { isSeniorCitizen: boolean; age: number | null; isIndividual: boolean } {
+  const isIndividual = isIndividualClient(client);
+  const dob = parseClientDob(client?.dateOfBirth);
+  const age = dob ? calculateAge(dob, asOf) : null;
+  return {
+    isSeniorCitizen: isIndividual && isSeniorCitizenAge(age),
+    age,
+    isIndividual
+  };
+}

src/app/current-accounts/current-account-stepper/current-account-details-step/current-account-details-step.component.html

@@ -529,7 +529,7 @@
             <mat-form-field appearance="outline" class="soa-field">
               <mat-label>Age</mat-label>
               <input matInput [value]="clientAge !== null ? clientAge + ' years' : '—'" readonly />
-              <mat-hint>Must be below 18 years</mat-hint>
+              <mat-hint>Must be below {{ minorAgeThreshold }} years</mat-hint>
             </mat-form-field>
 
             <mat-form-field appearance="outline" class="soa-field">

src/app/current-accounts/current-account-stepper/current-account-details-step/current-account-details-step.component.ts

@@ -15,6 +15,12 @@ import { Dates } from 'app/core/utils/dates';
 import { CurrentAccountsService } from 'app/current-accounts/current-accounts.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { ClientsService } from 'app/clients/clients.service';
+import {
+  AGE_OF_MAJORITY,
+  MINOR_AGE_THRESHOLD,
+  isMinorAge,
+  isSeniorCitizenAge
+} from 'app/clients/shared/client-age.util';
 import { MatDialog } from '@angular/material/dialog';
 import { MatStepperPrevious, MatStepperNext } from '@angular/material/stepper';
 import { MatIcon } from '@angular/material/icon';
@@ -99,6 +105,8 @@ export class CurrentAccountDetailsStepComponent implements OnInit {
   // ── Client info (auto-fetched) ─────────────────────────────────────────
   clientDob: Date | null = null;
   clientAge: number | null = null;
+  /** Exposed for tooltips so the displayed rule can never drift from the applied rule. */
+  readonly minorAgeThreshold = MINOR_AGE_THRESHOLD;
   clientGender: string | null = null;
   primaryClientName = '';
   primaryClientCif = '';
@@ -444,10 +452,10 @@ export class CurrentAccountDetailsStepComponent implements OnInit {
       return;
     }
     if (this.clientAge === null) return;
-    if (this.clientAge < 18) {
+    if (isMinorAge(this.clientAge)) {
       this.selectedAccountStatus = 'MINOR';
       this.minorDob = this.clientDob;
-    } else if (this.clientAge >= 60) {
+    } else if (isSeniorCitizenAge(this.clientAge)) {
       this.selectedAccountStatus = 'SENIOR_CITIZEN';
     } else if (this.clientGender === 'female') {
       this.selectedAccountStatus = 'INDIVIDUAL_FEMALE';
@@ -458,15 +466,15 @@ export class CurrentAccountDetailsStepComponent implements OnInit {
 
   isTileDisabled(value: string): boolean {
     if (this.readOnly) return true;
-    if (value === 'MINOR') return this.clientAge === null || this.clientAge >= 18;
-    if (value === 'SENIOR_CITIZEN') return this.clientAge === null || this.clientAge < 60;
+    if (value === 'MINOR') return !isMinorAge(this.clientAge);
+    if (value === 'SENIOR_CITIZEN') return !isSeniorCitizenAge(this.clientAge);
     return false;
   }
 
   getTileTooltip(value: string): string {
-    if (value === 'MINOR' && this.clientAge !== null && this.clientAge >= 18)
-      return `Age ${this.clientAge} yrs — Minor only allowed below 18 years`;
-    if (value === 'SENIOR_CITIZEN' && this.clientAge !== null && this.clientAge < 60)
+    if (value === 'MINOR' && !isMinorAge(this.clientAge))
+      return `Age ${this.clientAge} yrs — Minor only allowed below  years`;
+    if (value === 'SENIOR_CITIZEN' && !isSeniorCitizenAge(this.clientAge))
       return `Age ${this.clientAge} yrs — Senior Citizen only allowed at 60+ years`;
     if (value === 'MINOR' && this.clientAge === null) return 'DOB not available — cannot verify age';
     if (value === 'SENIOR_CITIZEN' && this.clientAge === null) return 'DOB not available — cannot verify age';
@@ -609,7 +617,7 @@ export class CurrentAccountDetailsStepComponent implements OnInit {
     const dob = this.minorDob ?? this.clientDob;
     if (!dob) return '';
     const d = new Date(dob);
-    d.setFullYear(d.getFullYear() + 18);
+    d.setFullYear(d.getFullYear() + AGE_OF_MAJORITY);
     return this.dateUtils.formatDate(d, 'M/d/yyyy') || '';
   }
 

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

@@ -618,7 +618,7 @@
             <mat-form-field appearance="outline" class="soa-field">
               <mat-label>Age</mat-label>
               <input matInput [value]="clientAge !== null ? clientAge + ' years' : '—'" readonly />
-              <mat-hint>Must be below 18 years</mat-hint>
+              <mat-hint>Must be below {{ minorAgeThreshold }} years</mat-hint>
             </mat-form-field>
 
             <mat-form-field appearance="outline" class="soa-field">

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

@@ -26,6 +26,12 @@ import { MatDialog } from '@angular/material/dialog';
 /** Custom Services */
 import { FixedDepositsService } from '../../fixed-deposits.service';
 import { ClientsService } from 'app/clients/clients.service';
+import {
+  AGE_OF_MAJORITY,
+  MINOR_AGE_THRESHOLD,
+  isMinorAge,
+  isSeniorCitizenAge
+} from 'app/clients/shared/client-age.util';
 import { MatTooltip } from '@angular/material/tooltip';
 import { MatStepperPrevious, MatStepperNext } from '@angular/material/stepper';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
@@ -107,8 +113,16 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
   selectedCustomerSegment: string | null = null;
 
   // ── Client info (auto-fetched) ─────────────────────────────────────────
+  /**
+   * The client's legal form ("Individual" / "Non-Individual") as captured at client creation. Customer
+   * Segment is derived from this rather than picked by hand, so an account can never disagree with the
+   * CIF about what kind of customer it belongs to.
+   */
+  clientLegalForm: string | null = null;
   clientDob: Date | null = null;
   clientAge: number | null = null;
+  /** Exposed for tooltips so the displayed rule can never drift from the applied rule. */
+  readonly minorAgeThreshold = MINOR_AGE_THRESHOLD;
   clientGender: string | null = null;
   primaryClientName = '';
   primaryClientCif = '';
@@ -279,7 +293,9 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
           currencyCode: a.currency?.code ?? ''
         }));
         this.dalLoading = false;
-        // Pre-select linked account in edit mode
+        // Pre-select linked account in edit mode. The GET response nests the Fineract association as
+        // linkedAccount.id, and separately carries the CBS column as linkedAccountId -- the latter is the
+        // fallback for accounts that have the CBS field set but no association row.
         const linkedId =
           this.fixedDepositsAccountTemplate?.linkedAccount?.id ?? this.fixedDepositsAccountTemplate?.linkedAccountId;
         if (linkedId) {
@@ -359,6 +375,8 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
             this.autoDetectAccountStatus();
           }
         }
+        this.clientLegalForm = client?.legalForm?.value ?? client?.legalForm?.name ?? null;
+        this.applyInferredCustomerSegment();
         this.cdr.detectChanges();
       });
     }
@@ -386,8 +404,8 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
   }
 
   isTileDisabled(value: string): boolean {
-    if (value === 'MINOR') return this.clientAge === null || this.clientAge >= 18;
-    if (value === 'SENIOR_CITIZEN') return this.clientAge === null || this.clientAge < 60;
+    if (value === 'MINOR') return !isMinorAge(this.clientAge);
+    if (value === 'SENIOR_CITIZEN') return !isSeniorCitizenAge(this.clientAge);
     return false;
   }
 
@@ -412,10 +430,10 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
   }
 
   getTileTooltip(value: string): string {
-    if (value === 'MINOR' && this.clientAge !== null && this.clientAge >= 18) {
-      return `Age ${this.clientAge} yrs — Minor only allowed below 18 years`;
+    if (value === 'MINOR' && !isMinorAge(this.clientAge)) {
+      return `Age ${this.clientAge} yrs — Minor only allowed below  years`;
     }
-    if (value === 'SENIOR_CITIZEN' && this.clientAge !== null && this.clientAge < 60) {
+    if (value === 'SENIOR_CITIZEN' && !isSeniorCitizenAge(this.clientAge)) {
       return `Age ${this.clientAge} yrs — Senior Citizen only allowed at 60+ years`;
     }
     if (value === 'MINOR' && this.clientAge === null) return 'DOB not available — cannot verify age';
@@ -428,10 +446,10 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
       return;
     }
     if (this.clientAge === null) return;
-    if (this.clientAge < 18) {
+    if (isMinorAge(this.clientAge)) {
       this.selectedAccountStatus = 'MINOR';
       this.minorDob = this.clientDob;
-    } else if (this.clientAge >= 60) {
+    } else if (isSeniorCitizenAge(this.clientAge)) {
       this.selectedAccountStatus = 'SENIOR_CITIZEN';
     } else if (this.clientGender === 'female') {
       this.selectedAccountStatus = 'INDIVIDUAL_FEMALE';
@@ -481,6 +499,9 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
         this.customerSegmentOptions = this.extractOptions(response.customerSegmentOptions, response.customerSegment);
         this.selectedAccountType = response.accountType ?? null;
         this.selectedCustomerSegment = response.customerSegment ?? null;
+        // The product default above is only a fallback -- the client's own legal form wins. Re-applied
+        // here as well as in the client callback because the two responses can arrive in either order.
+        this.applyInferredCustomerSegment();
         this.fixedDepositsAccountProductTemplate.emit(response);
         this.fieldOfficerData = response.fieldOfficerOptions;
         this.isProductSelected = true;
@@ -591,6 +612,24 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
     return fallback ? [fallback] : [];
   }
 
+  /**
+   * Selects the Customer Segment that matches the client's legal form. The segment code values
+   * ("Individual" / "Non-Individual") are seeded to be byte-identical to the legal-form labels, so this
+   * is an exact, case-insensitive comparison on purpose -- a substring match would resolve
+   * "Non-Individual" to the "Individual" option, since one contains the other. Leaves the product
+   * default untouched when the client's form is unknown or has no matching option.
+   */
+  private applyInferredCustomerSegment(): void {
+    if (!this.clientLegalForm || !this.customerSegmentOptions.length) {
+      return;
+    }
+    const target = this.clientLegalForm.trim().toLowerCase();
+    const match = this.customerSegmentOptions.find((opt) => String(opt).trim().toLowerCase() === target);
+    if (match) {
+      this.selectedCustomerSegment = match;
+    }
+  }
+
   formatTemplateDate(value: any): string {
     if (!value) return '';
     let dateValue: Date | null = null;
@@ -733,7 +772,7 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
     const dob = this.minorDob ?? this.clientDob;
     if (!dob) return '';
     const d = new Date(dob);
-    d.setFullYear(d.getFullYear() + 18);
+    d.setFullYear(d.getFullYear() + AGE_OF_MAJORITY);
     return this.dateUtils.formatDate(d, 'M/d/yyyy') || '';
   }
 
@@ -797,6 +836,15 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChange
     }
 
     if (this.selectedLinkedAccount) {
+      // The same picked account has to be sent under BOTH names -- they are two different backend
+      // parameters feeding two different things, not a duplicate:
+      //   linkAccountId   (DepositsApiConstants.linkedAccountParamName) -> creates the Fineract
+      //                   AccountAssociations row that the monthly interest-transfer job reads, and that
+      //                   FD Special's linked-account requirement validates against.
+      //   linkedAccountId (SavingsApiConstants.linkedAccountIdParamName) -> populates the CBS-specific
+      //                   m_savings_account.linked_account_id column via applyCbsFields.
+      // Only linkedAccountId was being sent before, so the association was never created.
+      value.linkAccountId = this.selectedLinkedAccount.id;
       value.linkedAccountId = this.selectedLinkedAccount.id;
       value.linkedAccountType = this.selectedLinkedAccount.accountType;
       value.linkedAccountNo = this.selectedLinkedAccount.accountNo;

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

@@ -170,12 +170,12 @@
         <!-- Senior Citizen -->
         <div class="fdrc-calc-field fdrc-calc-field--senior">
           <label class="fdrc-senior-label">
-            <input type="checkbox" [(ngModel)]="isSeniorCitizen" (change)="onSeniorCitizenChange()" />
+            <input type="checkbox" [ngModel]="isSeniorCitizen" [disabled]="true" />
             <span class="fdrc-senior-text">
               <i class="fas fa-user-shield"></i>
               Senior Citizen
             </span>
-            <span class="fdrc-senior-hint">Higher rate applied if available</span>
+            <span class="fdrc-senior-hint">{{ seniorCitizenHint }}</span>
           </label>
         </div>
 

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

@@ -6,7 +6,17 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { Component, Input, OnChanges, SimpleChanges, Output, EventEmitter, ViewChild, inject } from '@angular/core';
+import {
+  Component,
+  Input,
+  OnChanges,
+  SimpleChanges,
+  Output,
+  EventEmitter,
+  ViewChild,
+  ChangeDetectorRef,
+  inject
+} from '@angular/core';
 import {
   MatTableDataSource,
   MatTable,
@@ -26,6 +36,9 @@ 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 { 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';
 
@@ -71,6 +84,9 @@ export interface SlabMatchResult {
 })
 export class FixedDepositAccountInterestRateChartStepComponent implements OnChanges {
   private fixedDepositsService = inject(FixedDepositsService);
+  private clientsService = inject(ClientsService);
+  private settingsService = inject(SettingsService);
+  private cdr = inject(ChangeDetectorRef);
 
   @Input() fixedDepositsAccountTemplate: any;
   @Input() fixedDepositsAccountProductTemplate: any;
@@ -110,7 +126,19 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     'actions'
   ];
 
+  /**
+   * Derived from the client's own date of birth -- never staff-editable. Setting this by hand is what
+   * let a 24-year-old's FD get priced at the senior-citizen rate, so the checkbox is display-only and
+   * this value comes solely from {@link deriveSeniorCitizenStatus}.
+   */
   isSeniorCitizen = false;
+  readonly seniorCitizenAgeThreshold = SENIOR_CITIZEN_AGE_THRESHOLD;
+  /** Client age in completed years, or null when the DOB is unknown / the client is an entity. */
+  clientAge: number | null = null;
+  /** False for a company/entity client, which has no age and so can never qualify. */
+  clientIsIndividual = true;
+  /** True once the client lookup has come back, so the UI can explain the locked checkbox honestly. */
+  clientAgeResolved = false;
   incentivesDisplayedColumns: string[] = [
     'entityType',
     'attributeName',
@@ -171,6 +199,9 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
   }
 
   ngOnChanges(changes: SimpleChanges) {
+    if (changes['fixedDepositsAccountTemplate']) {
+      this.resolveSeniorCitizenFromClient();
+    }
     // Only reset/re-apply when TEMPLATE or cbsBaseRates changes, NOT when initialTenure/submittedOnDate changes alone
     const templateChanged = changes['fixedDepositsAccountProductTemplate'] || changes['cbsBaseRates'];
     if (templateChanged && this.fixedDepositsAccountProductTemplate) {
@@ -206,10 +237,10 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     if (this.initialTenure.depositAmount) {
       this.principalAmount = this.initialTenure.depositAmount;
     }
-    // Pre-check senior citizen if it was set during create
-    if (this.initialTenure.isSeniorCitizen) {
-      this.isSeniorCitizen = true;
-    }
+    // Deliberately NOT restoring initialTenure.isSeniorCitizen: the flag is derived from the client's
+    // date of birth in resolveSeniorCitizenFromClient(). Re-applying a stored value here would carry a
+    // previously mis-set flag forward on every edit, which is exactly how a 24-year-old's FD kept its
+    // senior-citizen rate.
     // Auto-calculate when tenure is pre-filled (edit mode)
     setTimeout(() => this.calculateRate(), 0);
   }
@@ -435,6 +466,45 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     this.validationWarning = null;
   }
 
+  /**
+   * Derives the senior-citizen flag from the client's date of birth. Runs whenever the account template
+   * arrives (create and edit alike), so the flag always reflects the customer on record rather than
+   * whatever was ticked -- or previously saved -- by hand.
+   */
+  private resolveSeniorCitizenFromClient(): void {
+    const clientId = this.fixedDepositsAccountTemplate?.clientId ?? this.fixedDepositsAccountTemplate?.id;
+    if (!clientId) {
+      return;
+    }
+    this.clientsService.getClientData(String(clientId)).subscribe((client: any) => {
+      const status = deriveSeniorCitizenStatus(client, this.settingsService.businessDate);
+      this.clientAge = status.age;
+      this.clientIsIndividual = status.isIndividual;
+      this.isSeniorCitizen = status.isSeniorCitizen;
+      this.clientAgeResolved = true;
+      // Re-price against the now-known status if a tenure was already entered.
+      this.onSeniorCitizenChange();
+      this.cdr.detectChanges();
+    });
+  }
+
+  /** Explains the locked checkbox to staff, so a missing benefit never looks like a system fault. */
+  get seniorCitizenHint(): string {
+    if (!this.clientAgeResolved) {
+      return 'Determined from the client’s date of birth';
+    }
+    if (!this.clientIsIndividual) {
+      return 'Not applicable to a non-individual client';
+    }
+    if (this.clientAge === null) {
+      return 'Client has no date of birth on record';
+    }
+    if (this.isSeniorCitizen) {
+      return `Client is ${this.clientAge} years old — higher rate applied`;
+    }
+    return `Client is ${this.clientAge} — applies from age ${this.seniorCitizenAgeThreshold}`;
+  }
+
   onSeniorCitizenChange() {
     if (this.tenureValue && this.tenureValue > 0) {
       this.calculateRate();

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

@@ -0,0 +1,71 @@
+<!--
+  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/.
+-->
+
+<div class="isd-dialog">
+  <h2 mat-dialog-title class="isd-header">
+    <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>
+  </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
+      slightly with the number of days in that month.
+    </p>
+
+    <div class="isd-scroll">
+      <table class="isd-table">
+        <thead>
+          <tr>
+            <th>{{ 'labels.inputs.From Date' | translate }}</th>
+            <th>{{ 'labels.inputs.To Date' | translate }}</th>
+            <th class="isd-table__amount-col">{{ 'labels.inputs.Interest Amount' | translate }}</th>
+            <th class="isd-table__status-col">{{ 'labels.inputs.Status' | translate }}</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (period of schedule; track $index) {
+            <tr [class.isd-table__row--paid]="period.paid">
+              <td>{{ period.fromDate | dateFormat }}</td>
+              <td>{{ period.toDate | dateFormat }}</td>
+              <td class="isd-table__amount-col">
+                {{ period.interestAmount | currency: currencyCode : 'symbol-narrow' : '1.2-2' }}
+              </td>
+              <td class="isd-table__status-col">
+                @if (period.paid) {
+                  <span class="isd-badge isd-badge--paid">
+                    <fa-icon icon="check-circle" class="m-r-5"></fa-icon>Paid
+                  </span>
+                } @else {
+                  <span class="isd-badge isd-badge--pending">Pending</span>
+                }
+              </td>
+            </tr>
+          }
+        </tbody>
+        <tfoot>
+          <tr>
+            <td colspan="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>
+          </tr>
+        </tfoot>
+      </table>
+    </div>
+  </div>
+
+  <div mat-dialog-actions align="end" class="isd-actions">
+    <button mat-button mat-dialog-close>{{ 'labels.buttons.Close' | translate }}</button>
+  </div>
+</div>

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

@@ -0,0 +1,142 @@
+/**
+ * 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/.
+ */
+
+$navy: #0d1b2a;
+$slate: #475569;
+$muted: #64748b;
+$border: #e2e8f0;
+$soft: #f8fafc;
+$green: #047857;
+$green-bg: #ecfdf5;
+$amber: #92400e;
+$amber-bg: #fffbeb;
+
+.isd-dialog {
+  min-width: 560px;
+  max-width: 720px;
+}
+
+.isd-header {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  margin: 0;
+
+  &__icon {
+    width: 30px;
+    height: 30px;
+    display: inline-flex;
+    align-items: center;
+    justify-content: center;
+    border-radius: 8px;
+    background: linear-gradient(135deg, #3b82f6 0%, #1e40af 100%);
+    color: #fff;
+    font-size: 13px;
+    flex-shrink: 0;
+  }
+
+  &__text {
+    display: flex;
+    flex-direction: column;
+  }
+
+  &__title {
+    font-size: 15px;
+    font-weight: 700;
+    color: $navy;
+  }
+
+  &__sub {
+    font-size: 12px;
+    color: $muted;
+  }
+}
+
+.isd-content {
+  max-height: 60vh;
+}
+
+.isd-note {
+  margin: 4px 0 12px;
+  font-size: 12px;
+  color: $muted;
+  font-style: italic;
+}
+
+.isd-scroll {
+  overflow-x: auto;
+}
+
+.isd-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  th,
+  td {
+    padding: 8px 12px;
+    text-align: left;
+    border-bottom: 1px dashed #eef2f7;
+    white-space: nowrap;
+  }
+
+  th {
+    color: $slate;
+    font-weight: 600;
+    font-size: 12px;
+    text-transform: uppercase;
+    letter-spacing: 0.03em;
+    background: $soft;
+    position: sticky;
+    top: 0;
+  }
+
+  tbody tr:hover {
+    background: $soft;
+  }
+
+  &__row--paid {
+    background: rgb(4 120 87 / 4%);
+  }
+
+  tfoot td {
+    font-weight: 700;
+    color: $navy;
+    border-bottom: none;
+    border-top: 2px solid $border;
+  }
+
+  &__amount-col {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+  }
+
+  &__status-col {
+    text-align: center;
+  }
+}
+
+.isd-badge {
+  display: inline-flex;
+  align-items: center;
+  padding: 3px 10px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 700;
+  letter-spacing: 0.02em;
+
+  &--paid {
+    background: $green-bg;
+    color: $green;
+  }
+
+  &--pending {
+    background: $amber-bg;
+    color: $amber;
+  }
+}

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

@@ -0,0 +1,68 @@
+/**
+ * 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/.
+ */
+
+import { Component, inject } from '@angular/core';
+import {
+  MAT_DIALOG_DATA,
+  MatDialogRef,
+  MatDialogTitle,
+  MatDialogContent,
+  MatDialogActions,
+  MatDialogClose
+} from '@angular/material/dialog';
+import { MatButton } from '@angular/material/button';
+import { CurrencyPipe } from '@angular/common';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { DateFormatPipe } from '../../../../../pipes/date-format.pipe';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * FD Special's full month-wise interest schedule, in a popup rather than always inline on General --
+ * 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.
+ */
+@Component({
+  selector: 'mifosx-interest-schedule-dialog',
+  templateUrl: './interest-schedule-dialog.component.html',
+  styleUrls: ['./interest-schedule-dialog.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatDialogTitle,
+    MatDialogContent,
+    MatDialogActions,
+    MatDialogClose,
+    MatButton,
+    FaIconComponent,
+    CurrencyPipe,
+    DateFormatPipe
+  ]
+})
+export class InterestScheduleDialogComponent {
+  dialogRef = inject<MatDialogRef<InterestScheduleDialogComponent>>(MatDialogRef);
+  data: {
+    schedule: Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean }>;
+    currencyCode: string;
+  } = inject(MAT_DIALOG_DATA);
+
+  get schedule(): Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean }> {
+    return this.data.schedule ?? [];
+  }
+
+  get currencyCode(): string {
+    return this.data.currencyCode;
+  }
+
+  get totalInterest(): number {
+    return this.schedule.reduce((sum, row) => sum + (row.interestAmount ?? 0), 0);
+  }
+
+  get paidCount(): number {
+    return this.schedule.filter((row) => row.paid).length;
+  }
+}

src/app/deposits/fixed-deposits/fixed-deposit-account-view/general-tab/general-tab.component.html

@@ -167,11 +167,36 @@
             </span>
           </div>
           <div class="nx-row">
-            <span class="nx-row__label">{{ 'labels.inputs.Maturity Amount' | translate }}</span>
-            <span class="nx-row__value nx-row__value--amount nx-row__value--positive">
+            <span class="nx-row__label">
+              {{
+                (isSpecialFixedDeposit
+                  ? 'labels.inputs.Principal Returned at Maturity'
+                  : 'labels.inputs.Maturity Amount'
+                ) | translate
+              }}
+            </span>
+            <span class="nx-row__value nx-row__value--amount" [class.nx-row__value--positive]="!isSpecialFixedDeposit">
               {{ fixedDepositsAccountData.maturityAmount | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
             </span>
           </div>
+          @if (isSpecialFixedDeposit && nextInterestPayout !== null) {
+            <div class="nx-row">
+              <span class="nx-row__label">{{ 'labels.inputs.Next Interest Payout' | translate }}</span>
+              <span class="nx-row__value nx-row__value--amount nx-row__value--positive">
+                {{ nextInterestPayout | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
+              </span>
+            </div>
+          }
+          @if (isSpecialFixedDeposit && totalValueAtMaturity !== null) {
+            <div class="nx-row">
+              <span class="nx-row__label">{{
+                'labels.inputs.Total Value at Maturity (Principal + Interest)' | translate
+              }}</span>
+              <span class="nx-row__value nx-row__value--amount nx-row__value--positive">
+                {{ totalValueAtMaturity | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
+              </span>
+            </div>
+          }
           @if (fixedDepositsAccountData.summary.totalDeposits) {
             <div class="nx-row">
               <span class="nx-row__label">{{ 'labels.inputs.Total Deposits' | translate }}</span>
@@ -221,13 +246,63 @@
             </span>
           </div>
           <div class="nx-row">
-            <span class="nx-row__label">{{ 'labels.inputs.Maturity Amount' | translate }}</span>
+            <span class="nx-row__label">
+              {{
+                (isSpecialFixedDeposit
+                  ? 'labels.inputs.Principal Returned at Maturity'
+                  : 'labels.inputs.Maturity Amount'
+                ) | translate
+              }}
+            </span>
             <span class="nx-row__value nx-row__value--amount">
               {{ fixedDepositsAccountData.maturityAmount | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
             </span>
           </div>
+          @if (isSpecialFixedDeposit && nextInterestPayout !== null) {
+            <div class="nx-row">
+              <span class="nx-row__label">{{ 'labels.inputs.Next Interest Payout' | translate }}</span>
+              <span class="nx-row__value nx-row__value--amount nx-row__value--positive">
+                {{ nextInterestPayout | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
+              </span>
+            </div>
+          }
+          @if (isSpecialFixedDeposit && totalValueAtMaturity !== null) {
+            <div class="nx-row">
+              <span class="nx-row__label">{{
+                'labels.inputs.Total Value at Maturity (Principal + Interest)' | translate
+              }}</span>
+              <span class="nx-row__value nx-row__value--amount nx-row__value--positive">
+                {{ totalValueAtMaturity | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
+              </span>
+            </div>
+          }
         </div>
       </div>
     }
   </div>
 </div>
+
+@if (isSpecialFixedDeposit && projectedInterestSchedule.length) {
+  <div class="nx-card gt-schedule">
+    <div class="nx-card__head">
+      <span class="nx-card__ico"><fa-icon icon="calendar-alt"></fa-icon></span>
+      <h3 class="nx-card__title">{{ 'labels.heading.Monthly Interest Payout Schedule' | translate }}</h3>
+    </div>
+    <div class="nx-card__body gt-schedule__body">
+      <div class="nx-row">
+        <span class="nx-row__label">{{ 'labels.inputs.Total Interest Payable' | translate }}</span>
+        <span class="nx-row__value nx-row__value--amount nx-row__value--positive">
+          {{ totalProjectedInterest | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
+        </span>
+      </div>
+      <div class="nx-row">
+        <span class="nx-row__label">{{ 'labels.inputs.Periods Paid So Far' | translate }}</span>
+        <span class="nx-row__value">{{ paidPeriodsCount }} / {{ projectedInterestSchedule.length }}</span>
+      </div>
+      <button mat-stroked-button color="primary" class="gt-schedule__view-btn" (click)="openInterestSchedule()">
+        <fa-icon icon="table" class="m-r-5"></fa-icon>
+        {{ 'labels.buttons.View Full Schedule' | translate }}
+      </button>
+    </div>
+  </div>
+}

src/app/deposits/fixed-deposits/fixed-deposit-account-view/general-tab/general-tab.component.scss

@@ -118,3 +118,13 @@ $soft: #f8fafc;
   font-weight: 500;
   font-style: italic;
 }
+
+/* ─── Monthly Interest Payout Schedule summary (FD Special only) ─────── */
+.gt-schedule {
+  margin-top: 16px;
+
+  &__view-btn {
+    width: 100%;
+    margin-top: 8px;
+  }
+}

src/app/deposits/fixed-deposits/fixed-deposit-account-view/general-tab/general-tab.component.ts

@@ -8,12 +8,14 @@
 
 import { Component, inject } from '@angular/core';
 import { ActivatedRoute, Router } from '@angular/router';
+import { MatDialog } from '@angular/material/dialog';
 import { Currency } from 'app/shared/models/general.model';
 import { CurrencyPipe } from '@angular/common';
 import { ExternalIdentifierComponent } from '../../../../shared/external-identifier/external-identifier.component';
 import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { InterestScheduleDialogComponent } from '../custom-dialogs/interest-schedule-dialog/interest-schedule-dialog.component';
 
 @Component({
   selector: 'mifosx-general-tab',
@@ -30,6 +32,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 export class GeneralTabComponent {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
+  private dialog = inject(MatDialog);
 
   fixedDepositsAccountData: any;
   entityType: string;
@@ -69,4 +72,58 @@ export class GeneralTabComponent {
     const id = this.fixedDepositsAccountData?.reinvestedIntoAccountId;
     return id ? this.siblingAccountLink(id) : null;
   }
+
+  /** FD Special never compounds -- every month's interest is transferred out to the linked savings
+   * account instead of growing this account's own balance, so its "Maturity Amount" is just the
+   * principal, not principal-plus-interest (see FixedDepositAccount#updateMaturityDateAndAmount).
+   */
+  get isSpecialFixedDeposit(): boolean {
+    return this.fixedDepositsAccountData?.fdType === 'SPECIAL';
+  }
+
+  /** Real, engine-computed period-by-period interest schedule for FD Special (see FixedDepositAccountsApiResource#retrieveOne). */
+  get projectedInterestSchedule(): Array<{ fromDate: any; toDate: any; interestAmount: number; paid: boolean }> {
+    return this.fixedDepositsAccountData?.projectedInterestSchedule ?? [];
+  }
+
+  get paidPeriodsCount(): number {
+    return this.projectedInterestSchedule.filter((period) => period.paid).length;
+  }
+
+  /** Opens the full month-wise schedule in a popup rather than always inline -- a 24+ month term makes
+   * for a long table that would otherwise push every other card on this tab down the page. */
+  openInterestSchedule(): void {
+    this.dialog.open(InterestScheduleDialogComponent, {
+      width: '680px',
+      data: {
+        schedule: this.projectedInterestSchedule,
+        currencyCode: this.currency?.code
+      }
+    });
+  }
+
+  /** Backend-computed sum of the schedule (see FixedDepositAccountsApiResource#retrieveOne) -- the single
+   * source of truth, not a client-side re-sum of the schedule array. */
+  get totalProjectedInterest(): number | null {
+    return this.fixedDepositsAccountData?.totalProjectedInterest ?? null;
+  }
+
+  /**
+   * The first NOT-YET-PAID period's real amount -- not just index 0, which would keep showing an
+   * already-posted-and-transferred period's amount as "next" forever once the account has any real
+   * history. Deliberately has NO rate/12 fallback: that would quietly present an inaccurate money figure
+   * as if it were the real one. If the schedule is missing, or every period is already paid, the row is
+   * hidden instead.
+   */
+  get nextInterestPayout(): number | null {
+    return this.projectedInterestSchedule.find((period) => !period.paid)?.interestAmount ?? null;
+  }
+
+  /** What the customer ends up with overall across the FD's whole life: the principal returned by the FD
+   * itself at maturity, PLUS every month's interest already paid out to the linked savings account along
+   * the way. Backend-computed (see FixedDepositAccountsApiResource#retrieveOne), same as maturityAmount
+   * itself, rather than derived here from the schedule array. */
+  get totalValueAtMaturity(): number | null {
+    return this.fixedDepositsAccountData?.totalValueAtMaturity ?? null;
+  }
 }

src/app/deposits/recurring-deposits/recurring-deposits-account-stepper/recurring-deposits-account-details-step/recurring-deposits-account-details-step.component.html

@@ -613,7 +613,7 @@
             <mat-form-field appearance="outline" class="soa-field">
               <mat-label>Age</mat-label>
               <input matInput [value]="clientAge !== null ? clientAge + ' years' : '—'" readonly />
-              <mat-hint>Must be below 18 years</mat-hint>
+              <mat-hint>Must be below {{ minorAgeThreshold }} years</mat-hint>
             </mat-form-field>
 
             <mat-form-field appearance="outline" class="soa-field">

src/app/deposits/recurring-deposits/recurring-deposits-account-stepper/recurring-deposits-account-details-step/recurring-deposits-account-details-step.component.ts

@@ -26,6 +26,12 @@ import { MatDialog } from '@angular/material/dialog';
 /** Custom Services */
 import { RecurringDepositsService } from '../../recurring-deposits.service';
 import { ClientsService } from 'app/clients/clients.service';
+import {
+  AGE_OF_MAJORITY,
+  MINOR_AGE_THRESHOLD,
+  isMinorAge,
+  isSeniorCitizenAge
+} from 'app/clients/shared/client-age.util';
 import { MatTooltip } from '@angular/material/tooltip';
 import { MatStepperPrevious, MatStepperNext } from '@angular/material/stepper';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
@@ -97,8 +103,16 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnC
   selectedCustomerSegment: string | null = null;
 
   // ── Client info (auto-fetched) ─────────────────────────────────────────
+  /**
+   * The client's legal form ("Individual" / "Non-Individual") as captured at client creation. Customer
+   * Segment is derived from this rather than picked by hand, so an account can never disagree with the
+   * CIF about what kind of customer it belongs to.
+   */
+  clientLegalForm: string | null = null;
   clientDob: Date | null = null;
   clientAge: number | null = null;
+  /** Exposed for tooltips so the displayed rule can never drift from the applied rule. */
+  readonly minorAgeThreshold = MINOR_AGE_THRESHOLD;
   clientGender: string | null = null;
   primaryClientName = '';
   primaryClientCif = '';
@@ -337,6 +351,8 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnC
             this.autoDetectAccountStatus();
           }
         }
+        this.clientLegalForm = client?.legalForm?.value ?? client?.legalForm?.name ?? null;
+        this.applyInferredCustomerSegment();
         this.cdr.detectChanges();
       });
     }
@@ -364,16 +380,16 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnC
   }
 
   isTileDisabled(value: string): boolean {
-    if (value === 'MINOR') return this.clientAge === null || this.clientAge >= 18;
-    if (value === 'SENIOR_CITIZEN') return this.clientAge === null || this.clientAge < 60;
+    if (value === 'MINOR') return !isMinorAge(this.clientAge);
+    if (value === 'SENIOR_CITIZEN') return !isSeniorCitizenAge(this.clientAge);
     return false;
   }
 
   getTileTooltip(value: string): string {
-    if (value === 'MINOR' && this.clientAge !== null && this.clientAge >= 18) {
-      return `Age ${this.clientAge} yrs — Minor only allowed below 18 years`;
+    if (value === 'MINOR' && !isMinorAge(this.clientAge)) {
+      return `Age ${this.clientAge} yrs — Minor only allowed below  years`;
     }
-    if (value === 'SENIOR_CITIZEN' && this.clientAge !== null && this.clientAge < 60) {
+    if (value === 'SENIOR_CITIZEN' && !isSeniorCitizenAge(this.clientAge)) {
       return `Age ${this.clientAge} yrs — Senior Citizen only allowed at 60+ years`;
     }
     if (value === 'MINOR' && this.clientAge === null) return 'DOB not available — cannot verify age';
@@ -386,10 +402,10 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnC
       return;
     }
     if (this.clientAge === null) return;
-    if (this.clientAge < 18) {
+    if (isMinorAge(this.clientAge)) {
       this.selectedAccountStatus = 'MINOR';
       this.minorDob = this.clientDob;
-    } else if (this.clientAge >= 60) {
+    } else if (isSeniorCitizenAge(this.clientAge)) {
       this.selectedAccountStatus = 'SENIOR_CITIZEN';
     } else if (this.clientGender === 'female') {
       this.selectedAccountStatus = 'INDIVIDUAL_FEMALE';
@@ -441,6 +457,9 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnC
           this.customerSegmentOptions = this.extractOptions(response.customerSegmentOptions, response.customerSegment);
           this.selectedAccountType = response.accountType ?? null;
           this.selectedCustomerSegment = response.customerSegment ?? null;
+          // The product default above is only a fallback -- the client's own legal form wins. Re-applied
+          // here as well as in the client callback because the two responses can arrive in either order.
+          this.applyInferredCustomerSegment();
           this.recurringDepositsAccountProductTemplate.emit(response);
           this.fieldOfficerData = response.fieldOfficerOptions;
           this.isProductSelected = true;
@@ -557,6 +576,24 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnC
     return fallback ? [fallback] : [];
   }
 
+  /**
+   * Selects the Customer Segment that matches the client's legal form. The segment code values
+   * ("Individual" / "Non-Individual") are seeded to be byte-identical to the legal-form labels, so this
+   * is an exact, case-insensitive comparison on purpose -- a substring match would resolve
+   * "Non-Individual" to the "Individual" option, since one contains the other. Leaves the product
+   * default untouched when the client's form is unknown or has no matching option.
+   */
+  private applyInferredCustomerSegment(): void {
+    if (!this.clientLegalForm || !this.customerSegmentOptions.length) {
+      return;
+    }
+    const target = this.clientLegalForm.trim().toLowerCase();
+    const match = this.customerSegmentOptions.find((opt) => String(opt).trim().toLowerCase() === target);
+    if (match) {
+      this.selectedCustomerSegment = match;
+    }
+  }
+
   formatTemplateDate(value: any): string {
     if (!value) return '';
     let dateValue: Date | null = null;
@@ -695,7 +732,7 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnC
     const dob = this.minorDob ?? this.clientDob;
     if (!dob) return '';
     const d = new Date(dob);
-    d.setFullYear(d.getFullYear() + 18);
+    d.setFullYear(d.getFullYear() + AGE_OF_MAJORITY);
     return this.dateUtils.formatDate(d, 'M/d/yyyy') || '';
   }
 

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

@@ -110,12 +110,12 @@
         <!-- Senior Citizen -->
         <div class="fdrc-calc-field fdrc-calc-field--senior">
           <label class="fdrc-senior-label">
-            <input type="checkbox" [(ngModel)]="isSeniorCitizen" (change)="onSeniorCitizenChange()" />
+            <input type="checkbox" [ngModel]="isSeniorCitizen" [disabled]="true" />
             <span class="fdrc-senior-text">
               <i class="fas fa-user-shield"></i>
               Senior Citizen
             </span>
-            <span class="fdrc-senior-hint">Higher rate applied if available</span>
+            <span class="fdrc-senior-hint">{{ seniorCitizenHint }}</span>
           </label>
         </div>
 

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

@@ -6,8 +6,21 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { Component, Input, OnChanges, SimpleChanges, ViewChild, Output, EventEmitter, inject } from '@angular/core';
+import {
+  Component,
+  Input,
+  OnChanges,
+  SimpleChanges,
+  ViewChild,
+  Output,
+  EventEmitter,
+  ChangeDetectorRef,
+  inject
+} from '@angular/core';
 import { RecurringDepositsService } from '../../recurring-deposits.service';
+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';
 import {
   MatTable,
   MatColumnDef,
@@ -142,7 +155,18 @@ export class RecurringDepositsAccountInterestRateChartStepComponent implements O
     'actions'
   ];
 
+  /**
+   * Derived from the client's own date of birth -- never staff-editable, so a client who is not
+   * actually 60+ can never be priced at the senior-citizen rate by a mis-ticked box.
+   */
   isSeniorCitizen = false;
+  readonly seniorCitizenAgeThreshold = SENIOR_CITIZEN_AGE_THRESHOLD;
+  /** Client age in completed years, or null when the DOB is unknown / the client is an entity. */
+  clientAge: number | null = null;
+  /** False for a company/entity client, which has no age and so can never qualify. */
+  clientIsIndividual = true;
+  /** True once the client lookup has come back, so the UI can explain the locked checkbox honestly. */
+  clientAgeResolved = false;
   incentivesDisplayedColumns: string[] = [
     'entityType',
     'attributeName',
@@ -172,8 +196,14 @@ export class RecurringDepositsAccountInterestRateChartStepComponent implements O
   ];
 
   private recurringDepositsService = inject(RecurringDepositsService);
+  private clientsService = inject(ClientsService);
+  private settingsService = inject(SettingsService);
+  private cdr = inject(ChangeDetectorRef);
 
   ngOnChanges(changes: SimpleChanges) {
+    if (changes['recurringDepositsAccountTemplate']) {
+      this.resolveSeniorCitizenFromClient();
+    }
     // Only reset/re-apply when the TEMPLATE or cbsBaseRates changes, NOT when initialTenure changes alone
     const templateChanged =
       changes['recurringDepositsAccountProductTemplate'] ||
@@ -201,10 +231,9 @@ export class RecurringDepositsAccountInterestRateChartStepComponent implements O
     if (this.initialTenure.depositAmount) {
       this.principalAmount = this.initialTenure.depositAmount;
     }
-    // Pre-check senior citizen if it was set during create
-    if (this.initialTenure.isSeniorCitizen) {
-      this.isSeniorCitizen = true;
-    }
+    // Deliberately NOT restoring initialTenure.isSeniorCitizen: the flag is derived from the client's
+    // date of birth in resolveSeniorCitizenFromClient(). Re-applying a stored value here would carry a
+    // previously mis-set flag forward on every edit.
     // Auto-calculate when tenure is pre-filled (edit mode)
     setTimeout(() => this.calculateRate(), 0);
   }
@@ -359,6 +388,45 @@ export class RecurringDepositsAccountInterestRateChartStepComponent implements O
     this.validationWarning = null;
   }
 
+  /**
+   * Derives the senior-citizen flag from the client's date of birth. Runs whenever the account template
+   * arrives (create and edit alike), so the flag always reflects the customer on record rather than
+   * whatever was ticked -- or previously saved -- by hand.
+   */
+  private resolveSeniorCitizenFromClient(): void {
+    const clientId = this.recurringDepositsAccountTemplate?.clientId ?? this.recurringDepositsAccountTemplate?.id;
+    if (!clientId) {
+      return;
+    }
+    this.clientsService.getClientData(String(clientId)).subscribe((client: any) => {
+      const status = deriveSeniorCitizenStatus(client, this.settingsService.businessDate);
+      this.clientAge = status.age;
+      this.clientIsIndividual = status.isIndividual;
+      this.isSeniorCitizen = status.isSeniorCitizen;
+      this.clientAgeResolved = true;
+      // Re-price against the now-known status if a tenure was already entered.
+      this.onSeniorCitizenChange();
+      this.cdr.detectChanges();
+    });
+  }
+
+  /** Explains the locked checkbox to staff, so a missing benefit never looks like a system fault. */
+  get seniorCitizenHint(): string {
+    if (!this.clientAgeResolved) {
+      return 'Determined from the client’s date of birth';
+    }
+    if (!this.clientIsIndividual) {
+      return 'Not applicable to a non-individual client';
+    }
+    if (this.clientAge === null) {
+      return 'Client has no date of birth on record';
+    }
+    if (this.isSeniorCitizen) {
+      return `Client is ${this.clientAge} years old — higher rate applied`;
+    }
+    return `Client is ${this.clientAge} — applies from age ${this.seniorCitizenAgeThreshold}`;
+  }
+
   onSeniorCitizenChange() {
     if (this.tenureValue && this.tenureValue > 0) {
       this.calculateRate();

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

@@ -298,10 +298,16 @@
               <span class="preview-value">{{ recurringDepositsAccountProductTemplate.accountType }}</span>
             </div>
           }
-          @if (recurringDepositsAccountProductTemplate?.customerSegment) {
+          <!-- Prefer what the details step actually selected (derived from the client's legal form) over
+               the product's default, which is only the starting suggestion. -->
+          @if (
+            recurringDepositAccountData?.customerSegment || recurringDepositsAccountProductTemplate?.customerSegment
+          ) {
             <div class="preview-field">
               <span class="preview-label">Customer Segment</span>
-              <span class="preview-value">{{ recurringDepositsAccountProductTemplate.customerSegment }}</span>
+              <span class="preview-value">{{
+                recurringDepositAccountData?.customerSegment ?? recurringDepositsAccountProductTemplate.customerSegment
+              }}</span>
             </div>
           }
           @if (recurringDepositsAccountProductTemplate?.productCode) {

src/app/products/fixed-deposit-products/fixed-deposit-product-stepper/fixed-deposit-product-details-step/fixed-deposit-product-details-step.component.html

@@ -116,6 +116,12 @@
 
       <div class="fdpd-field fdpd-field--full fdpd-checkbox-row">
         <mat-checkbox formControlName="shareLinkingEnabled">Deposit Account Link</mat-checkbox>
+        @if (fixedDepositProductDetailsForm.get('fdType')?.value === 'SPECIAL') {
+          <span class="fdpd-hint">
+            Required for FD Special -- every account will need a linked savings account so its monthly interest, and its
+            principal at maturity, can be paid out automatically.
+          </span>
+        }
       </div>
     </div>
   </div>

src/app/products/fixed-deposit-products/fixed-deposit-product-stepper/fixed-deposit-product-details-step/fixed-deposit-product-details-step.component.scss

@@ -76,6 +76,16 @@ $gray-900: #202124;
 
 .fdpd-checkbox-row {
   display: flex;
-  align-items: center;
+  flex-direction: column;
+  align-items: flex-start;
+  justify-content: center;
+  gap: 4px;
   min-height: 56px;
 }
+
+.fdpd-hint {
+  font-size: 12px;
+  color: $gray-900;
+  opacity: 0.65;
+  margin-left: 32px;
+}

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

@@ -43,6 +43,24 @@ export class FixedDepositProductDetailsStepComponent implements OnInit, OnChange
 
   constructor() {
     this.createFixedDepositProductDetailsForm();
+    // FD Special is a non-cumulative, monthly-interest-payout product: the backend requires a linked
+    // savings account for every SPECIAL-type FD account (it's where the monthly interest and, at
+    // maturity, the principal both get transferred to automatically), so force this on here rather than
+    // let an admin publish a SPECIAL product that later fails every account creation for missing config.
+    this.fixedDepositProductDetailsForm
+      .get('fdType')
+      ?.valueChanges.subscribe((fdType: string) => this.applyFdTypeConstraints(fdType));
+  }
+
+  private applyFdTypeConstraints(fdType: string | null) {
+    const linkCtrl = this.fixedDepositProductDetailsForm.get('shareLinkingEnabled');
+    if (!linkCtrl) return;
+    if (fdType === 'SPECIAL') {
+      linkCtrl.setValue(true);
+      linkCtrl.disable();
+    } else {
+      linkCtrl.enable();
+    }
   }
 
   ngOnInit() {
@@ -124,10 +142,11 @@ export class FixedDepositProductDetailsStepComponent implements OnInit, OnChange
       endDate: this.parseDate(template.endDate),
       shareLinkingEnabled: !!template.shareLinkingEnabled
     });
+    this.applyFdTypeConstraints(this.fixedDepositProductDetailsForm.get('fdType')?.value ?? null);
   }
 
   get fixedDepositProductDetails() {
-    const formValue = { ...this.fixedDepositProductDetailsForm.value };
+    const formValue = { ...this.fixedDepositProductDetailsForm.getRawValue() };
     const dateFormat = this.settingsService.dateFormat;
     if (formValue.effectiveTo instanceof Date) {
       formValue.effectiveTo = this.dateUtils.formatDate(formValue.effectiveTo, dateFormat) || '';

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

@@ -114,21 +114,37 @@ export class FixedDepositProductTermsStepComponent implements OnInit, OnChanges
     this.applyFdTypeConstraints();
   }
 
+  /**
+   * FD Special is a non-cumulative, monthly-interest-payout product -- the backend forces both the
+   * posting AND compounding period to Monthly for any account opened under a SPECIAL-type FD product
+   * (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.
+   */
   private applyFdTypeConstraints() {
-    if (!this.fixedDepositProductTermsForm || !this.interestPostingPeriodTypeData) return;
+    if (!this.fixedDepositProductTermsForm) return;
     const postingCtrl = this.fixedDepositProductTermsForm.get('interestPostingPeriodType');
-    if (!postingCtrl) return;
+    const compoundingCtrl = this.fixedDepositProductTermsForm.get('interestCompoundingPeriodType');
     if (this.fdType === 'SPECIAL') {
-      // Monthly posting = id 4 (MONTHLY in Fineract enum)
-      const monthlyOption = this.interestPostingPeriodTypeData?.find(
-        (o: any) => o.value?.toLowerCase() === 'monthly' || o.id === 4
-      );
-      if (monthlyOption) {
-        postingCtrl.setValue(monthlyOption.id);
-        postingCtrl.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) {
+        const monthlyPosting = findMonthly(this.interestPostingPeriodTypeData);
+        if (monthlyPosting) {
+          postingCtrl.setValue(monthlyPosting.id);
+          postingCtrl.disable();
+        }
+      }
+      if (compoundingCtrl && this.interestCompoundingPeriodTypeData) {
+        const monthlyCompounding = findMonthly(this.interestCompoundingPeriodTypeData);
+        if (monthlyCompounding) {
+          compoundingCtrl.setValue(monthlyCompounding.id);
+          compoundingCtrl.disable();
+        }
       }
     } else {
-      postingCtrl.enable();
+      postingCtrl?.enable();
+      compoundingCtrl?.enable();
     }
   }
 

src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.html

@@ -491,7 +491,7 @@
             <mat-form-field appearance="outline" class="soa-field">
               <mat-label>Age</mat-label>
               <input matInput [value]="clientAge !== null ? clientAge + ' years' : '—'" readonly />
-              <mat-hint>Must be below 18 years</mat-hint>
+              <mat-hint>Must be below {{ minorAgeThreshold }} years</mat-hint>
             </mat-form-field>
 
             <mat-form-field appearance="outline" class="soa-field">

src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.ts

@@ -16,6 +16,12 @@ import { MatDialog } from '@angular/material/dialog';
 /** Custom Services */
 import { SavingsService } from 'app/savings/savings.service';
 import { ClientsService } from 'app/clients/clients.service';
+import {
+  AGE_OF_MAJORITY,
+  MINOR_AGE_THRESHOLD,
+  isMinorAge,
+  isSeniorCitizenAge
+} from 'app/clients/shared/client-age.util';
 import { MatStepperPrevious, MatStepperNext } from '@angular/material/stepper';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -80,6 +86,8 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
   // ── Client info (auto-fetched) ─────────────────────────────────────────
   clientDob: Date | null = null;
   clientAge: number | null = null;
+  /** Exposed for tooltips so the displayed rule can never drift from the applied rule. */
+  readonly minorAgeThreshold = MINOR_AGE_THRESHOLD;
   clientGender: string | null = null;
   primaryClientName = '';
   primaryClientCif = '';
@@ -282,16 +290,16 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
 
   isTileDisabled(value: string): boolean {
     if (this.readOnly) return true;
-    if (value === 'MINOR') return this.clientAge === null || this.clientAge >= 18;
-    if (value === 'SENIOR_CITIZEN') return this.clientAge === null || this.clientAge < 60;
+    if (value === 'MINOR') return !isMinorAge(this.clientAge);
+    if (value === 'SENIOR_CITIZEN') return !isSeniorCitizenAge(this.clientAge);
     return false;
   }
 
   getTileTooltip(value: string): string {
-    if (value === 'MINOR' && this.clientAge !== null && this.clientAge >= 18) {
-      return `Age ${this.clientAge} yrs — Minor only allowed below 18 years`;
+    if (value === 'MINOR' && !isMinorAge(this.clientAge)) {
+      return `Age ${this.clientAge} yrs — Minor only allowed below  years`;
     }
-    if (value === 'SENIOR_CITIZEN' && this.clientAge !== null && this.clientAge < 60) {
+    if (value === 'SENIOR_CITIZEN' && !isSeniorCitizenAge(this.clientAge)) {
       return `Age ${this.clientAge} yrs — Senior Citizen only allowed at 60+ years`;
     }
     if (value === 'MINOR' && this.clientAge === null) return 'DOB not available — cannot verify age';
@@ -306,10 +314,10 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
     }
     if (this.clientAge === null) return;
 
-    if (this.clientAge < 18) {
+    if (isMinorAge(this.clientAge)) {
       this.selectedAccountStatus = 'MINOR';
       this.minorDob = this.clientDob;
-    } else if (this.clientAge >= 60) {
+    } else if (isSeniorCitizenAge(this.clientAge)) {
       this.selectedAccountStatus = 'SENIOR_CITIZEN';
     } else if (this.clientGender === 'female') {
       this.selectedAccountStatus = 'INDIVIDUAL_FEMALE';
@@ -597,7 +605,7 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
     const dob = this.minorDob ?? this.clientDob;
     if (!dob) return '';
     const d = new Date(dob);
-    d.setFullYear(d.getFullYear() + 18);
+    d.setFullYear(d.getFullYear() + AGE_OF_MAJORITY);
     return this.dateUtils.formatDate(d, 'M/d/yyyy') || '';
   }
 

src/app/savings/savings-account-view/passbook-tab/passbook-tab.component.ts

@@ -84,7 +84,10 @@ export class PassbookTabComponent implements OnInit, OnDestroy {
       this.accountBalance = account.summary?.accountBalance || 0;
       this.availableBalance = account.summary?.availableBalance || 0;
       this.activatedOnDate = account.timeline?.activatedOnDate || null;
-      this.allTransactions = this.recalculateRunningBalances(this.sortAscending(account.transactions || []));
+      const nonReversedTransactions = (account.transactions || []).filter(
+        (txn: SavingsAccountTransaction) => !txn.reversed
+      );
+      this.allTransactions = this.recalculateRunningBalances(this.sortAscending(nonReversedTransactions));
       this.filteredTransactions = [...this.allTransactions];
     });
 
@@ -182,9 +185,12 @@ export class PassbookTabComponent implements OnInit, OnDestroy {
   private recalculateRunningBalances(transactions: SavingsAccountTransaction[]): SavingsAccountTransaction[] {
     let balance = 0;
     return transactions.map((txn) => {
-      // Accruals and on-hold entries don't affect actual account balance
+      // Accruals, on-hold entries, and reversed transactions don't affect actual account balance
       const affectsBalance =
-        !txn.transactionType.accrual && !txn.transactionType.amountHold && !txn.transactionType.amountRelease;
+        !txn.reversed &&
+        !txn.transactionType.accrual &&
+        !txn.transactionType.amountHold &&
+        !txn.transactionType.amountRelease;
 
       if (affectsBalance) {
         if (this.isDebit(txn.transactionType)) {

src/app/savings/savings-account-view/transactions-tab/transactions-tab.component.ts

@@ -132,8 +132,8 @@ export class TransactionsTabComponent implements OnInit {
 
   ngOnInit() {
     this.hideAccrualsParam = new UntypedFormControl(false);
-    this.hideReversedParam = new UntypedFormControl(false);
-    this.setTransactions();
+    this.hideReversedParam = new UntypedFormControl(true);
+    this.filterTransactions(this.hideReversedParam.value, this.hideAccrualsParam.value);
   }
 
   setTransactions(): void {
@@ -222,6 +222,7 @@ export class TransactionsTabComponent implements OnInit {
       });
     }
     this.dataSource = new MatTableDataSource(transactions);
+    this.accountWithTransactions = this.transactionsData && this.transactionsData.length > 0;
     this.dataSource.paginator = this.paginator;
     this.dataSource.sort = this.sort;
   }
@@ -263,7 +264,10 @@ export class TransactionsTabComponent implements OnInit {
     let balance = 0;
     return transactions.map((txn) => {
       const affectsBalance =
-        !txn.transactionType.accrual && !txn.transactionType.amountHold && !txn.transactionType.amountRelease;
+        !txn.reversed &&
+        !txn.transactionType.accrual &&
+        !txn.transactionType.amountHold &&
+        !txn.transactionType.amountRelease;
       if (affectsBalance) {
         if (this.isDebit(txn.transactionType)) {
           balance -= txn.amount;