fix: tenant-config fixes, cashier/share/savings UI bugs, and menu-access hardcoding

- Add Balance Sheet report and disabled-features accounting config
- Point menu-access tenant header and env.js/environment.ts tenant identifier
  at env config instead of hardcoded 'default'/'lincpay' literals
- Surface the real backend error (not a generic "no reference id") when an
  OTP send fails in contact-otp-block
- Fix branch-day "₹null" display bug (null vs undefined) and add a guard
  blocking a branch's first-ever day open before cash denomination migration
- Dynamically size the denomination count input and block re-opening an
  already-open business day from Migrate Cash Denomination
- Lock the denomination-managed cash GL row in Migrate Opening Balances
  (read-only, with a link back to Migrate Cash Denomination)
- Remove duplicate Cancel/Submit action bars on the Share Product and
  Savings Account creation preview steps; align Previous into the same row
- Hide "Apply Collection" on a share account once its advance collection
  is already settled (further purchases go through Apply Additional Shares)

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

src/app/accounting/accounting-routing.module.ts

@@ -72,6 +72,7 @@ import { ViewJournalEntryTransactionComponent } from 'app/shared/accounting/view
 import { JournalEntryTransactionResolver } from './common-resolvers/journal-entry-transaction.resolver';
 import { ExternalAssetOwnerJournalEntryResolver } from 'app/loans/common-resolvers/external-asset-owner-journal-entry.resolver';
 import { ExternalAssetConfigurationResolver } from './common-resolvers/external-asset-configuration.resolver';
+import { accountingFeatureEnabledGuard } from './disabled-features';
 
 /** Accounting Routes */
 const routes: Routes = [
@@ -99,7 +100,8 @@ const routes: Routes = [
             {
               path: 'frequent-postings',
               component: FrequentPostingsComponent,
-              data: { title: 'Frequent Postings', breadcrumb: 'Frequent Postings' },
+              canActivate: [accountingFeatureEnabledGuard],
+              data: { title: 'Frequent Postings', breadcrumb: 'Frequent Postings', feature: 'frequentPostings' },
               resolve: {
                 offices: OfficesResolver,
                 accountingRules: AccountingRulesAssociationsResolver,
@@ -110,7 +112,8 @@ const routes: Routes = [
             {
               path: 'create',
               component: CreateJournalEntryComponent,
-              data: { title: 'Create Journal Entry', breadcrumb: 'Create' },
+              canActivate: [accountingFeatureEnabledGuard],
+              data: { title: 'Create Journal Entry', breadcrumb: 'Create', feature: 'createJournalEntries' },
               resolve: {
                 offices: OfficesResolver,
                 currencies: CurrenciesResolver,
@@ -194,6 +197,11 @@ const routes: Routes = [
             offices: OfficesResolver
           }
         },
+        {
+          path: 'balance-sheet',
+          loadComponent: () => import('./balance-sheet/balance-sheet.component').then((c) => c.BalanceSheetComponent),
+          data: { title: 'Balance Sheet', breadcrumb: 'Balance Sheet' }
+        },
         {
           path: 'chart-of-accounts',
           data: { title: 'Chart of Accounts', breadcrumb: 'Chart of Accounts' },
@@ -244,7 +252,8 @@ const routes: Routes = [
         },
         {
           path: 'closing-entries',
-          data: { title: 'Accounting Closures', breadcrumb: 'Closing Entries' },
+          canActivate: [accountingFeatureEnabledGuard],
+          data: { title: 'Accounting Closures', breadcrumb: 'Closing Entries', feature: 'closingEntries' },
           children: [
             {
               path: '',
@@ -285,7 +294,8 @@ const routes: Routes = [
         },
         {
           path: 'accounting-rules',
-          data: { title: 'Accounting Rules', breadcrumb: 'Accounting Rules' },
+          canActivate: [accountingFeatureEnabledGuard],
+          data: { title: 'Accounting Rules', breadcrumb: 'Accounting Rules', feature: 'accountingRules' },
           children: [
             {
               path: '',
@@ -332,11 +342,17 @@ const routes: Routes = [
         {
           path: 'periodic-accruals',
           component: PeriodicAccrualsComponent,
-          data: { title: 'Periodic Accrual Accounting', breadcrumb: 'Execute Periodic Accrual Accounting' }
+          canActivate: [accountingFeatureEnabledGuard],
+          data: {
+            title: 'Periodic Accrual Accounting',
+            breadcrumb: 'Execute Periodic Accrual Accounting',
+            feature: 'accruals'
+          }
         },
         {
           path: 'provisioning-entries',
-          data: { title: 'Provisioning Entries', breadcrumb: 'Provisioning Entries' },
+          canActivate: [accountingFeatureEnabledGuard],
+          data: { title: 'Provisioning Entries', breadcrumb: 'Provisioning Entries', feature: 'provisioningEntries' },
           children: [
             {
               path: '',

src/app/accounting/accounting.component.html

@@ -17,7 +17,8 @@
 
   <!-- Cards Grid -->
   <div class="acc-grid">
-    <!-- Frequent Postings -->
+    <!-- Frequent Postings — hidden while disabled, see disabled-features.ts -->
+    @if (!disabledFeatures.frequentPostings) {
       <a
         class="acc-card"
         [routerLink]="['journal-entries/frequent-postings']"
@@ -30,8 +31,10 @@
           <span class="acc-card__desc">{{ 'labels.text.These are predefined postings' | translate }}</span>
         </div>
       </a>
+    }
 
-    <!-- Create Journal Entries -->
+    <!-- Create Journal Entries — hidden while disabled, see disabled-features.ts -->
+    @if (!disabledFeatures.createJournalEntries) {
       <a
         class="acc-card"
         [routerLink]="['journal-entries/create']"
@@ -46,6 +49,7 @@
           }}</span>
         </div>
       </a>
+    }
 
     <!-- Search Journal Entries -->
     <a class="acc-card" [routerLink]="['journal-entries']" *mifosxHasPermission="'READ_JOURNALENTRY'">
@@ -113,7 +117,17 @@
       </div>
     </a>
 
-    <!-- Closing Entries -->
+    <!-- Balance Sheet -->
+    <a class="acc-card" [routerLink]="['balance-sheet']" *mifosxHasPermission="'READ_GLACCOUNT'" #balanceSheet>
+      <div class="acc-card__icon teal"><i class="fas fa-balance-scale"></i></div>
+      <div class="acc-card__info">
+        <span class="acc-card__title">Balance Sheet</span>
+        <span class="acc-card__desc">Header/Detail balances as on any date</span>
+      </div>
+    </a>
+
+    <!-- Closing Entries — hidden while disabled, see disabled-features.ts -->
+    @if (!disabledFeatures.closingEntries) {
       <a class="acc-card" [routerLink]="['closing-entries']" *mifosxHasPermission="'READ_GLCLOSURE'" #closingEntries>
         <div class="acc-card__icon red"><i class="fas fa-archive"></i></div>
         <div class="acc-card__info">
@@ -123,8 +137,10 @@
           }}</span>
         </div>
       </a>
+    }
 
-    <!-- Accounting Rules -->
+    <!-- Accounting Rules — hidden while disabled, see disabled-features.ts -->
+    @if (!disabledFeatures.accountingRules) {
       <a class="acc-card" [routerLink]="['accounting-rules']" *mifosxHasPermission="'READ_ACCOUNTINGRULE'">
         <div class="acc-card__icon purple"><i class="fas fa-list-ul"></i></div>
         <div class="acc-card__info">
@@ -132,17 +148,25 @@
           <span class="acc-card__desc">{{ 'labels.text.List of all accounting rules' | translate }}</span>
         </div>
       </a>
+    }
 
-    <!-- Accruals -->
+    <!-- Accruals — hidden while disabled, see disabled-features.ts -->
-    <a class="acc-card" [routerLink]="['periodic-accruals']" *mifosxHasPermission="'EXECUTE_PERIODICACCRUALACCOUNTING'">
+    @if (!disabledFeatures.accruals) {
+      <a
+        class="acc-card"
+        [routerLink]="['periodic-accruals']"
+        *mifosxHasPermission="'EXECUTE_PERIODICACCRUALACCOUNTING'"
+      >
         <div class="acc-card__icon green"><i class="fas fa-calendar-check"></i></div>
         <div class="acc-card__info">
           <span class="acc-card__title">{{ 'labels.heading.Accruals' | translate }}</span>
           <span class="acc-card__desc">{{ 'labels.text.Accrues income, expenses and liabilities' | translate }}</span>
         </div>
       </a>
+    }
 
-    <!-- Provisioning Entries -->
+    <!-- Provisioning Entries — hidden while disabled, see disabled-features.ts -->
+    @if (!disabledFeatures.provisioningEntries) {
       <a class="acc-card" [routerLink]="['provisioning-entries']" *mifosxHasPermission="'VIEW_PROVISIONING_ENTRIES'">
         <div class="acc-card__icon amber"><i class="fas fa-cogs"></i></div>
         <div class="acc-card__info">
@@ -150,6 +174,7 @@
           <span class="acc-card__desc">{{ 'labels.text.Create provisioning entries' | translate }}</span>
         </div>
       </a>
+    }
   </div>
 </div>
 

src/app/accounting/accounting.component.ts

@@ -18,6 +18,7 @@ import { MatIcon } from '@angular/material/icon';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { MatLine } from '@angular/material/grid-list';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { DISABLED_ACCOUNTING_FEATURES } from './disabled-features';
 
 /**
  * Accounting component.
@@ -63,6 +64,9 @@ export class AccountingComponent implements AfterViewInit {
   // Initialize an array of 10 boolean values, all set to false
   arrowBooleans: boolean[] = new Array(10).fill(false);
 
+  /** Which accounting tiles are switched off for this installation — see disabled-features.ts. */
+  disabledFeatures = DISABLED_ACCOUNTING_FEATURES;
+
   /**
    * Popover function
    * @param template TemplateRef<any>.
@@ -104,12 +108,15 @@ export class AccountingComponent implements AfterViewInit {
         );
       });
     }
-    if (this.configurationWizardService.showClosingEntries) {
+    // Closing Entries and Create Journal Entries can be switched off (see disabled-features.ts), in
+    // which case their tiles never render and these refs stay undefined — the wizard simply has no
+    // step to point at, rather than throwing on a missing element.
+    if (this.configurationWizardService.showClosingEntries && this.closingEntries) {
       setTimeout(() => {
         this.showPopover(this.templateClosingEntries, this.closingEntries.nativeElement, 'bottom', true);
       });
     }
-    if (this.configurationWizardService.showCreateJournalEntries) {
+    if (this.configurationWizardService.showCreateJournalEntries && this.createJournalEntries) {
       setTimeout(() => {
         this.showPopover(this.templateCreateJournalEntries, this.createJournalEntries.nativeElement, 'bottom', true);
       });

src/app/accounting/accounting.service.ts

@@ -116,6 +116,22 @@ export class AccountingService {
     return this.http.get(`/glaccounts`, { params: httpParams });
   }
 
+  /**
+   * As-on-date balance sheet, grouped by Header/Detail hierarchy — see BalanceSheetApiResource.
+   * @param asOnDate yyyy-MM-dd. Defaults to today on the backend when omitted.
+   * @param officeId Optional — scopes every balance to one office instead of the whole organization.
+   */
+  getBalanceSheet(asOnDate?: string, officeId?: number): Observable<any> {
+    let httpParams = new HttpParams();
+    if (asOnDate) {
+      httpParams = httpParams.set('asOnDate', asOnDate);
+    }
+    if (officeId != null) {
+      httpParams = httpParams.set('officeId', officeId.toString());
+    }
+    return this.http.get('/accounting/balancesheet', { params: httpParams });
+  }
+
   /**
    * @param transactionId Transaction ID of journal entries.
    * @returns {Observable<any>} Journal Entries.

src/app/accounting/balance-sheet/balance-sheet-pdf.ts

@@ -0,0 +1,363 @@
+/**
+ * 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/.
+ */
+
+/*
+ * Builds the Consolidated Balance Sheet PDF, laid out like the bank's printed report: liabilities
+ * on the left, assets on the right, each top-level group a named block with its accounts listed
+ * under it and a subtotal in the TOTAL column.
+ *
+ * Drawn directly with jsPDF rather than printed from the DOM: window.print() carries the whole app
+ * shell (sidenav, toolbar, ticker) into the output and gives no control over where a page breaks,
+ * which is what made the printed sheet unreadable. Here each column is paginated on its own, the
+ * way the printed report does it — the left side can run onto page 2 while the right side is still
+ * on page 1 — and every page repeats the heading.
+ */
+
+import { jsPDF } from 'jspdf';
+
+export interface BalanceSheetPdfNode {
+  name: string;
+  glCode: string;
+  usage: 'HEADER' | 'DETAIL';
+  balance: number;
+  children: BalanceSheetPdfNode[];
+}
+
+export interface BalanceSheetPdfSide {
+  label: string;
+  total: number;
+  groups: { classification: string; total: number; nodes: BalanceSheetPdfNode[] }[];
+}
+
+export interface BalanceSheetPdfInput {
+  bankName: string;
+  officeLabel: string;
+  /** yyyy-MM-dd */
+  asOnDate: string;
+  creditSide: BalanceSheetPdfSide;
+  debitSide: BalanceSheetPdfSide;
+}
+
+// ── Page geometry, in mm on A4 portrait ─────────────────────────────────────
+const PAGE_W = 210;
+const PAGE_H = 297;
+const MARGIN = 8;
+const COL_W = (PAGE_W - MARGIN * 2) / 2;
+const COL_X = [
+  MARGIN,
+  MARGIN + COL_W
+];
+/** Right edges of the BALANCE and TOTAL columns, relative to a column's left edge. */
+const BALANCE_R = COL_W - 26;
+const TOTAL_R = COL_W - 2;
+/** Name text wraps within this width so it never runs under the BALANCE column. */
+const NAME_W = COL_W - 30;
+
+const BODY_TOP = 36;
+/** Leaves room under the body for the sign-off row and the print-date footer. */
+const BODY_BOTTOM = PAGE_H - 21;
+const LINE_H = 3.1;
+
+const INK: [number, number, number] = [
+  20,
+  20,
+  20
+];
+const MUTED: [number, number, number] = [
+  90,
+  90,
+  90
+];
+
+type Line =
+  | { kind: 'block'; text: string }
+  | { kind: 'subhead'; text: string; depth: number }
+  | { kind: 'detail'; lines: string[]; amount: string; depth: number }
+  | { kind: 'subsubtotal'; amount: string }
+  | { kind: 'subtotal'; amount: string }
+  | { kind: 'standalone'; lines: string[]; amount: string }
+  | { kind: 'grand'; amount: string }
+  | { kind: 'gap' };
+
+function money(value: number): string {
+  return new Intl.NumberFormat('en-IN', { minimumFractionDigits: 2, maximumFractionDigits: 2 }).format(value ?? 0);
+}
+
+function ddmmyyyy(iso: string): string {
+  if (!iso) {
+    return '';
+  }
+  const [
+    y,
+    m,
+    d
+  ] = iso.split('-');
+  return `${d}/${m}/${y}`;
+}
+
+function heightOf(line: Line): number {
+  switch (line.kind) {
+    case 'block':
+      // Heading plus the short dashed rule beneath it.
+      return LINE_H + 1.8;
+    case 'detail':
+    case 'standalone':
+      return LINE_H * line.lines.length;
+    case 'gap':
+      return 2.4;
+    case 'grand':
+      // Rule above, the figure, and the double rule beneath it.
+      return LINE_H + 6;
+    default:
+      return LINE_H;
+  }
+}
+
+/**
+ * Flattens one side into the exact sequence of printed lines. Done up front so pagination is a
+ * matter of measuring heights, with no recursion happening mid-page.
+ */
+function flatten(doc: jsPDF, side: BalanceSheetPdfSide): Line[] {
+  const out: Line[] = [];
+  // splitTextToSize measures with whatever font is currently set, so it has to match the font the
+  // detail lines are actually drawn in — otherwise names wrap at the wrong width.
+  doc.setFont('helvetica', 'normal').setFontSize(6.8);
+
+  const pushNode = (node: BalanceSheetPdfNode, depth: number): void => {
+    if (node.usage === 'DETAIL') {
+      const indent = depth * 2;
+      const wrapped: string[] = doc.splitTextToSize(node.name, NAME_W - indent);
+      out.push({ kind: 'detail', lines: wrapped, amount: money(node.balance), depth });
+      return;
+    }
+    out.push({ kind: 'subhead', text: node.name, depth });
+    node.children.forEach((child) => pushNode(child, depth + 1));
+    out.push({ kind: 'subsubtotal', amount: money(node.balance) });
+  };
+
+  for (const group of side.groups) {
+    for (const root of group.nodes) {
+      if (root.usage === 'DETAIL') {
+        // A Detail account sitting under no group at all: a group of one, printed on a single line
+        // carrying both its balance and its total, rather than a heading and a figure on separate
+        // rows with the BALANCE column left empty.
+        out.push({
+          kind: 'standalone',
+          lines: doc.splitTextToSize(root.name.toUpperCase(), NAME_W),
+          amount: money(root.balance)
+        });
+        out.push({ kind: 'gap' });
+        continue;
+      }
+      out.push({ kind: 'block', text: root.name });
+      root.children.forEach((child) => pushNode(child, 0));
+      out.push({ kind: 'subtotal', amount: money(root.balance) });
+      out.push({ kind: 'gap' });
+    }
+  }
+  // Carried as a line of its own so pagination reserves room for it, rather than squeezing it
+  // against the bottom margin under the last block.
+  out.push({ kind: 'grand', amount: money(side.total) });
+  return out;
+}
+
+function dottedLine(doc: jsPDF, x1: number, y: number, x2: number): void {
+  doc.setLineDashPattern(
+    [
+      0.4,
+      0.6
+    ],
+    0
+  );
+  doc.setLineWidth(0.15);
+  doc.line(x1, y, x2, y);
+  doc.setLineDashPattern([], 0);
+}
+
+function drawPageFrame(doc: jsPDF, input: BalanceSheetPdfInput, page: number, pageCount: number): void {
+  doc.setTextColor(...INK);
+
+  doc.setFont('helvetica', 'bold').setFontSize(9.5);
+  doc.text(`${input.bankName.toUpperCase()} , HEAD OFFICE`, PAGE_W / 2, 11, { align: 'center' });
+
+  doc.setFontSize(8);
+  doc.text(`CONSOLIDATED BALANCE SHEET (SUB GROUP WISE) AS ON : ${ddmmyyyy(input.asOnDate)}`, PAGE_W / 2, 16, {
+    align: 'center'
+  });
+  doc.setFont('helvetica', 'normal').setFontSize(7);
+  doc.text(`Page ${page} of ${pageCount}`, PAGE_W - MARGIN, 16, { align: 'right' });
+  doc.text(`FOR BRANCHES : ${input.officeLabel}`, PAGE_W / 2, 20, { align: 'center' });
+
+  dottedLine(doc, MARGIN, 23, PAGE_W - MARGIN);
+
+  // Side titles and column headings, drawn per column.
+  const titles = [
+    'LIABILITIES ( CREDIT )',
+    'ASSETS ( DEBIT )'
+  ];
+  for (let c = 0; c < 2; c++) {
+    const x = COL_X[c];
+    doc.setFont('helvetica', 'bold').setFontSize(7.5);
+    doc.text(titles[c], x + 1, 27.5);
+    doc.setFontSize(6.5);
+    doc.text('ACCOUNT NAME', x + 1, 32);
+    doc.text('BALANCE', x + BALANCE_R, 32, { align: 'right' });
+    doc.text('TOTAL', x + TOTAL_R, 32, { align: 'right' });
+    dottedLine(doc, x + 1, 33.4, x + COL_W - 2);
+  }
+
+  // The divider between the two sides.
+  doc.setLineWidth(0.15);
+  doc.setDrawColor(150, 150, 150);
+  doc.line(COL_X[1], 24, COL_X[1], BODY_BOTTOM + 2);
+  doc.setDrawColor(0, 0, 0);
+
+  // Footer.
+  dottedLine(doc, MARGIN, BODY_BOTTOM + 6, PAGE_W - MARGIN);
+  doc
+    .setFont('helvetica', 'normal')
+    .setFontSize(6.5)
+    .setTextColor(...MUTED);
+  const now = new Date();
+  const stamp =
+    `${`${now.getDate()}`.padStart(2, '0')}/${`${now.getMonth() + 1}`.padStart(2, '0')}/${now.getFullYear()} ` +
+    `${`${now.getHours()}`.padStart(2, '0')}:${`${now.getMinutes()}`.padStart(2, '0')}:${`${now.getSeconds()}`.padStart(2, '0')}`;
+  doc.text(`Print Date : ${stamp}`, MARGIN, BODY_BOTTOM + 10);
+  doc.text('Consolidated Balance Sheet (Sub Group Wise)', PAGE_W - MARGIN, BODY_BOTTOM + 10, { align: 'right' });
+  doc.setTextColor(...INK);
+}
+
+/** Draws one line into a column at y, and returns the y the next line starts at. */
+function drawLine(doc: jsPDF, line: Line, x: number, y: number): number {
+  switch (line.kind) {
+    case 'block': {
+      doc.setFont('helvetica', 'bold').setFontSize(7);
+      doc.text(line.text.toUpperCase(), x + 1, y);
+      dottedLine(doc, x + 1, y + 1.1, x + 34);
+      return y + heightOf(line);
+    }
+    case 'subhead': {
+      doc.setFont('helvetica', 'bold').setFontSize(6.8);
+      doc.text(line.text, x + 1 + line.depth * 2, y);
+      return y + heightOf(line);
+    }
+    case 'detail': {
+      doc.setFont('helvetica', 'normal').setFontSize(6.8);
+      const indent = x + 2 + line.depth * 2;
+      line.lines.forEach((text, i) => doc.text(text, indent, y + i * LINE_H));
+      // The amount sits on the first line of a wrapped name, as the printed report has it.
+      doc.text(line.amount, x + BALANCE_R, y, { align: 'right' });
+      return y + heightOf(line);
+    }
+    case 'subsubtotal': {
+      doc.setFont('helvetica', 'bold').setFontSize(6.8);
+      dottedLine(doc, x + BALANCE_R - 22, y - 2.2, x + BALANCE_R);
+      doc.text(line.amount, x + BALANCE_R, y, { align: 'right' });
+      return y + heightOf(line);
+    }
+    case 'subtotal': {
+      doc.setFont('helvetica', 'bold').setFontSize(7);
+      doc.text(line.amount, x + TOTAL_R, y, { align: 'right' });
+      return y + heightOf(line);
+    }
+    case 'standalone': {
+      doc.setFont('helvetica', 'bold').setFontSize(7);
+      line.lines.forEach((text, i) => doc.text(text, x + 1, y + i * LINE_H));
+      doc.text(line.amount, x + BALANCE_R, y, { align: 'right' });
+      doc.text(line.amount, x + TOTAL_R, y, { align: 'right' });
+      return y + heightOf(line);
+    }
+    case 'grand': {
+      const top = y + 1.5;
+      doc.setLineWidth(0.3);
+      doc.line(x + 1, top, x + COL_W - 2, top);
+      doc.setFont('helvetica', 'bold').setFontSize(7.5);
+      doc.text(line.amount, x + TOTAL_R, top + 3.6, { align: 'right' });
+      doc.setLineWidth(0.2);
+      doc.line(x + 1, top + 5, x + COL_W - 2, top + 5);
+      doc.line(x + 1, top + 5.7, x + COL_W - 2, top + 5.7);
+      return y + heightOf(line);
+    }
+    default:
+      return y + heightOf(line);
+  }
+}
+
+/** Splits one side's lines into per-page chunks that fit between BODY_TOP and BODY_BOTTOM. */
+function paginate(lines: Line[]): Line[][] {
+  const pages: Line[][] = [];
+  let current: Line[] = [];
+  let y = BODY_TOP;
+
+  for (const line of lines) {
+    const h = heightOf(line);
+    if (y + h > BODY_BOTTOM) {
+      pages.push(current);
+      current = [];
+      y = BODY_TOP;
+    }
+    current.push(line);
+    y += h;
+  }
+  // Keep the trailing chunk only if it has something on it, but always return at least one page so
+  // a side with no balances still gets its heading and a zero total.
+  if (current.length > 0 || pages.length === 0) {
+    pages.push(current);
+  }
+  return pages;
+}
+
+export function buildBalanceSheetPdf(input: BalanceSheetPdfInput): jsPDF {
+  const doc = new jsPDF({ orientation: 'p', unit: 'mm', format: 'a4', compress: true });
+
+  const creditPages = paginate(flatten(doc, input.creditSide));
+  const debitPages = paginate(flatten(doc, input.debitSide));
+  // Both sides print side by side, so the sheet runs as long as the longer of the two, plus a
+  // final page for the grand totals when they would not fit under the last block.
+  const pageCount = Math.max(creditPages.length, debitPages.length);
+
+  for (let p = 0; p < pageCount; p++) {
+    if (p > 0) {
+      doc.addPage();
+    }
+    drawPageFrame(doc, input, p + 1, pageCount);
+
+    const sides = [
+      creditPages[p] ?? [],
+      debitPages[p] ?? []
+    ];
+
+    for (let c = 0; c < 2; c++) {
+      const x = COL_X[c];
+      let y = BODY_TOP;
+      for (const line of sides[c]) {
+        y = drawLine(doc, line, x, y);
+      }
+    }
+
+    // Sign-off row, on the closing page only.
+    if (p === pageCount - 1) {
+      doc
+        .setFont('helvetica', 'normal')
+        .setFontSize(6.5)
+        .setTextColor(...MUTED);
+      const roles = [
+        'CLERK',
+        'ACCOUNTANT / OFFICER',
+        'ASST. GEN MANAGER',
+        'GENERAL MANAGER',
+        'CHAIRMAN'
+      ];
+      const step = (PAGE_W - MARGIN * 2) / roles.length;
+      roles.forEach((role, i) => doc.text(role, MARGIN + step * i + step / 2, BODY_BOTTOM + 2, { align: 'center' }));
+      doc.setTextColor(...INK);
+    }
+  }
+
+  return doc;
+}

src/app/accounting/balance-sheet/balance-sheet.component.html

@@ -0,0 +1,182 @@
+<!--
+  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="bs-page">
+  <!-- Controls — not part of the printed sheet. -->
+  <div class="bs-controls">
+    <label class="bs-field">
+      <span>As on date</span>
+      <input type="date" [(ngModel)]="asOnDate" (change)="load()" />
+    </label>
+    <label class="bs-field">
+      <span>Branch</span>
+      <select [(ngModel)]="officeId" (ngModelChange)="load()">
+        <option [ngValue]="null">All branches</option>
+        @for (office of offices; track office.id) {
+          <option [ngValue]="office.id">{{ office.name }}</option>
+        }
+      </select>
+    </label>
+    <label class="bs-check">
+      <input type="checkbox" [(ngModel)]="hideZeroBalances" (ngModelChange)="applyZeroFilter()" />
+      <span>Hide nil balances</span>
+    </label>
+    <span class="bs-controls__spacer"></span>
+    @if (!loading && debitSide && creditSide) {
+      <span class="bs-tally" [class.bs-tally--off]="!tallied">
+        {{ tallied ? 'Balanced' : 'Out of balance by ' + fmt(difference) }}
+      </span>
+    }
+    <button type="button" class="bs-btn" (click)="load()" [disabled]="loading">
+      {{ loading ? 'Loading…' : 'Refresh' }}
+    </button>
+    <button type="button" class="bs-btn bs-btn--primary" (click)="downloadPdf()" [disabled]="loading || !debitSide">
+      Download PDF
+    </button>
+  </div>
+
+  @if (error) {
+    <div class="bs-alert">{{ error }}</div>
+  }
+
+  @if (loading) {
+    <div class="bs-loading">Loading balance sheet…</div>
+  }
+
+  @if (!loading && debitSide && creditSide) {
+    <!-- The sheet itself — this block is what prints. -->
+    <div class="bs-sheet">
+      <header class="bs-sheet__head">
+        <h2>CONSOLIDATED BALANCE SHEET (SUB GROUP WISE)</h2>
+        <p>AS ON : {{ displayDate(asOnDateLoaded) }}</p>
+        <p class="bs-sheet__branches">FOR BRANCHES : {{ officeLabel }}</p>
+      </header>
+
+      <div class="bs-sheet__body">
+        <!-- Liabilities (credit) on the left, assets (debit) on the right — as the printed sheet reads. -->
+        <section class="bs-col">
+          <div class="bs-col__title">LIABILITIES ( CREDIT )</div>
+          <div class="bs-row bs-row--colhead">
+            <span>ACCOUNT NAME</span>
+            <span>BALANCE</span>
+            <span>TOTAL</span>
+          </div>
+          @for (group of creditSide.groups; track group.classification) {
+            @for (root of group.nodes; track root.id) {
+              <ng-container *ngTemplateOutlet="block; context: { $implicit: root }"></ng-container>
+            }
+          }
+          @if (creditSide.groups.length === 0) {
+            <div class="bs-empty">No liability, equity or income balances as on this date.</div>
+          }
+          <div class="bs-row bs-row--grand">
+            <span></span>
+            <span></span>
+            <span>{{ fmt(creditSide.total) }}</span>
+          </div>
+        </section>
+
+        <section class="bs-col">
+          <div class="bs-col__title">ASSETS ( DEBIT )</div>
+          <div class="bs-row bs-row--colhead">
+            <span>ACCOUNT NAME</span>
+            <span>BALANCE</span>
+            <span>TOTAL</span>
+          </div>
+          @for (group of debitSide.groups; track group.classification) {
+            @for (root of group.nodes; track root.id) {
+              <ng-container *ngTemplateOutlet="block; context: { $implicit: root }"></ng-container>
+            }
+          }
+          @if (debitSide.groups.length === 0) {
+            <div class="bs-empty">No asset or expense balances as on this date.</div>
+          }
+          <div class="bs-row bs-row--grand">
+            <span></span>
+            <span></span>
+            <span>{{ fmt(debitSide.total) }}</span>
+          </div>
+        </section>
+      </div>
+
+      <footer class="bs-sheet__foot">
+        <span>CLERK</span>
+        <span>ACCOUNTANT / OFFICER</span>
+        <span>ASST. GEN MANAGER</span>
+        <span>GENERAL MANAGER</span>
+        <span>CHAIRMAN</span>
+      </footer>
+    </div>
+  }
+</div>
+
+<!--
+  One top-level block: the Header account's name, a rule, its lines, then its subtotal in the TOTAL
+  column.
+-->
+<ng-template #block let-root>
+  @if (root.usage === 'DETAIL') {
+    <!-- A Detail account with no Header of its own: a group of one, so it gets a single line
+         carrying both its balance and its total rather than a heading repeating its own name. -->
+    <div class="bs-block bs-block--single">
+      <div class="bs-row bs-row--standalone">
+        <span class="bs-name" [title]="root.glCode">{{ root.name }}</span>
+        <span class="bs-amt">{{ fmt(root.balance) }}</span>
+        <span class="bs-amt">{{ fmt(root.balance) }}</span>
+      </div>
+    </div>
+  } @else {
+    <div class="bs-block">
+      <div class="bs-block__name" [title]="root.glCode">{{ root.name }}</div>
+      <div class="bs-block__rule"></div>
+      @for (child of root.children; track child.id) {
+        <ng-container *ngTemplateOutlet="lines; context: { $implicit: child, depth: 0 }"></ng-container>
+      }
+      @if (root.children.length === 0) {
+        <div class="bs-row bs-row--line">
+          <span class="bs-name bs-name--muted">No accounts under this group</span>
+          <span></span>
+          <span></span>
+        </div>
+      }
+      <div class="bs-row bs-row--subtotal">
+        <span></span>
+        <span></span>
+        <span>{{ fmt(root.balance) }}</span>
+      </div>
+    </div>
+  }
+</ng-template>
+
+<!--
+  Everything below a top-level block. A nested Header keeps its own name and its own subtotal, so a
+  Header inside a Header still reads as its own sub-group rather than flattening into the parent.
+-->
+<ng-template #lines let-node let-depth="depth">
+  @if (node.usage === 'DETAIL') {
+    <div class="bs-row bs-row--line">
+      <span class="bs-name" [style.paddingLeft.px]="depth * 14" [title]="node.glCode">{{ node.name }}</span>
+      <span class="bs-amt">{{ fmt(node.balance) }}</span>
+      <span></span>
+    </div>
+  } @else {
+    <div class="bs-row bs-row--subhead">
+      <span class="bs-name" [style.paddingLeft.px]="depth * 14" [title]="node.glCode">{{ node.name }}</span>
+      <span></span>
+      <span></span>
+    </div>
+    @for (child of node.children; track child.id) {
+      <ng-container *ngTemplateOutlet="lines; context: { $implicit: child, depth: depth + 1 }"></ng-container>
+    }
+    <div class="bs-row bs-row--subsubtotal">
+      <span></span>
+      <span class="bs-amt">{{ fmt(node.balance) }}</span>
+      <span></span>
+    </div>
+  }
+</ng-template>

src/app/accounting/balance-sheet/balance-sheet.component.scss

@@ -0,0 +1,372 @@
+/**
+ * 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/.
+ */
+
+$ink: #111827;
+$ink-soft: #374151;
+$ink-faint: #9ca3af;
+$rule: #cbd5e1;
+$border: #e2e8f0;
+$accent: #1d4ed8;
+$ok: #15803d;
+$ok-soft: #f0fdf4;
+$danger: #b91c1c;
+$danger-soft: #fef2f2;
+
+// Amount columns share one width so BALANCE and TOTAL line up down the whole sheet.
+$amt-col: 128px;
+
+.bs-page {
+  padding: 20px 24px 40px;
+  background: #f1f5f9;
+  min-height: 100%;
+}
+
+// ── Controls (screen only) ────────────────────────────────────────────────
+.bs-controls {
+  display: flex;
+  align-items: flex-end;
+  gap: 14px;
+  flex-wrap: wrap;
+  margin-bottom: 18px;
+
+  &__spacer {
+    flex: 1 1 auto;
+  }
+}
+
+.bs-field {
+  display: flex;
+  flex-direction: column;
+  gap: 4px;
+  font-size: 10.5px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+  color: $ink-soft;
+
+  input,
+  select {
+    height: 36px;
+    padding: 0 10px;
+    border: 1px solid $border;
+    border-radius: 6px;
+    background: #fff;
+    font-size: 13px;
+    font-weight: 500;
+    text-transform: none;
+    letter-spacing: normal;
+    color: $ink;
+  }
+}
+
+.bs-check {
+  display: flex;
+  align-items: center;
+  gap: 6px;
+  height: 36px;
+  font-size: 12.5px;
+  font-weight: 600;
+  color: $ink-soft;
+  cursor: pointer;
+  user-select: none;
+
+  input {
+    width: 15px;
+    height: 15px;
+    cursor: pointer;
+    accent-color: $accent;
+  }
+}
+
+.bs-btn {
+  height: 36px;
+  padding: 0 16px;
+  border: 1px solid $border;
+  border-radius: 6px;
+  background: #fff;
+  color: $ink-soft;
+  font-size: 12.5px;
+  font-weight: 700;
+  cursor: pointer;
+
+  &--primary {
+    background: $ink;
+    border-color: $ink;
+    color: #fff;
+  }
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: not-allowed;
+  }
+}
+
+.bs-tally {
+  padding: 6px 12px;
+  border-radius: 999px;
+  background: $ok-soft;
+  color: $ok;
+  font-size: 12px;
+  font-weight: 700;
+
+  &--off {
+    background: $danger-soft;
+    color: $danger;
+  }
+}
+
+.bs-alert {
+  padding: 10px 14px;
+  border-radius: 6px;
+  background: $danger-soft;
+  color: $danger;
+  border: 1px solid #fecaca;
+  font-size: 13px;
+  margin-bottom: 14px;
+}
+
+.bs-loading {
+  padding: 48px 0;
+  text-align: center;
+  color: $ink-faint;
+  font-size: 13.5px;
+}
+
+// ── The printed sheet ─────────────────────────────────────────────────────
+.bs-sheet {
+  background: #fff;
+  border: 1px solid $border;
+  padding: 22px 26px 18px;
+  // The ledger reads as a printed report, so the whole sheet is set in a mono face with
+  // figures on tabular numerals — columns stay aligned however long the names run.
+  font-family: 'DejaVu Sans Mono', 'Liberation Mono', Consolas, 'Courier New', monospace;
+  font-variant-numeric: tabular-nums;
+  color: $ink;
+
+  &__head {
+    text-align: center;
+    border-bottom: 1px dotted $rule;
+    padding-bottom: 10px;
+    margin-bottom: 12px;
+
+    h2 {
+      margin: 0;
+      font-size: 13.5px;
+      font-weight: 700;
+      letter-spacing: 0.04em;
+    }
+
+    p {
+      margin: 4px 0 0;
+      font-size: 11.5px;
+      color: $ink-soft;
+    }
+  }
+
+  &__branches {
+    letter-spacing: 0.05em;
+  }
+
+  &__body {
+    display: grid;
+    grid-template-columns: 1fr 1fr;
+    gap: 0;
+  }
+
+  &__foot {
+    display: flex;
+    justify-content: space-between;
+    gap: 8px;
+    margin-top: 26px;
+    padding-top: 10px;
+    border-top: 1px dotted $rule;
+    font-size: 10px;
+    letter-spacing: 0.05em;
+    color: $ink-soft;
+  }
+}
+
+.bs-col {
+  padding: 0 16px;
+  min-width: 0;
+
+  &:first-child {
+    border-right: 1px dotted $rule;
+    padding-left: 0;
+  }
+
+  &:last-child {
+    padding-right: 0;
+  }
+
+  &__title {
+    font-size: 12px;
+    font-weight: 700;
+    letter-spacing: 0.05em;
+    padding-bottom: 6px;
+  }
+}
+
+// ── Rows: one grid so name / BALANCE / TOTAL align across every block ──────
+.bs-row {
+  display: grid;
+  grid-template-columns: minmax(0, 1fr) $amt-col $amt-col;
+  gap: 8px;
+  align-items: baseline;
+  font-size: 11.5px;
+  line-height: 1.55;
+
+  > span:nth-child(2),
+  > span:nth-child(3) {
+    text-align: right;
+    white-space: nowrap;
+  }
+
+  &--colhead {
+    font-weight: 700;
+    font-size: 10.5px;
+    letter-spacing: 0.05em;
+    border-bottom: 1px dotted $rule;
+    padding-bottom: 4px;
+    margin-bottom: 6px;
+    color: $ink-soft;
+  }
+
+  &--line {
+    color: $ink-soft;
+  }
+
+  // A nested Header inside a block: its own named sub-group.
+  &--subhead {
+    font-weight: 700;
+    color: $ink;
+    padding-top: 3px;
+  }
+
+  // Sub-group subtotal sits in the BALANCE column, so it never collides with the
+  // block's own figure in TOTAL.
+  &--subsubtotal {
+    border-top: 1px dotted $rule;
+    font-weight: 700;
+    color: $accent;
+  }
+
+  // Top-level block subtotal, in the TOTAL column.
+  &--subtotal {
+    font-weight: 700;
+    color: $ink;
+    padding-top: 2px;
+  }
+
+  // A Header-less Detail account: its own one-line group.
+  &--standalone {
+    font-weight: 700;
+    color: $ink;
+
+    .bs-name {
+      text-transform: uppercase;
+      letter-spacing: 0.03em;
+    }
+  }
+
+  &--grand {
+    margin-top: 14px;
+    padding-top: 8px;
+    border-top: 1px solid $ink;
+    border-bottom: 3px double $ink;
+    font-weight: 700;
+    font-size: 12.5px;
+  }
+}
+
+.bs-name {
+  overflow-wrap: anywhere;
+
+  &--muted {
+    color: $ink-faint;
+    font-style: italic;
+  }
+}
+
+.bs-amt {
+  font-variant-numeric: tabular-nums;
+}
+
+.bs-block {
+  margin-bottom: 14px;
+
+  &--single {
+    margin-bottom: 10px;
+  }
+
+  &__name {
+    font-size: 11.5px;
+    font-weight: 700;
+    letter-spacing: 0.03em;
+    text-transform: uppercase;
+  }
+
+  // The short dashed rule the printed sheet puts under every group heading.
+  &__rule {
+    width: 130px;
+    border-top: 1px dotted $ink-faint;
+    margin: 2px 0 4px;
+  }
+}
+
+.bs-empty {
+  padding: 14px 0;
+  font-size: 11.5px;
+  color: $ink-faint;
+}
+
+// ── Narrow screens: stack the two sides instead of squeezing the columns ───
+@media (width <= 1100px) {
+  .bs-sheet__body {
+    grid-template-columns: 1fr;
+  }
+
+  .bs-col {
+    padding: 0;
+
+    &:first-child {
+      border-right: none;
+      border-bottom: 1px dotted $rule;
+      padding-bottom: 16px;
+      margin-bottom: 16px;
+    }
+  }
+}
+
+// ── Print: only the sheet, at report proportions ───────────────────────────
+@media print {
+  .bs-controls,
+  .bs-alert,
+  .bs-loading {
+    display: none !important;
+  }
+
+  .bs-page {
+    padding: 0;
+    background: #fff;
+  }
+
+  .bs-sheet {
+    border: none;
+    padding: 0;
+    font-size: 10px;
+  }
+
+  .bs-sheet__body {
+    grid-template-columns: 1fr 1fr;
+  }
+
+  .bs-block {
+    break-inside: avoid;
+  }
+}

src/app/accounting/balance-sheet/balance-sheet.component.ts

@@ -0,0 +1,218 @@
+/**
+ * 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, OnInit, inject } from '@angular/core';
+import { CommonModule } from '@angular/common';
+import { FormsModule } from '@angular/forms';
+import { AccountingService } from '../accounting.service';
+import { OrganizationService } from '../../organization/organization.service';
+import { buildBalanceSheetPdf } from './balance-sheet-pdf';
+
+interface BalanceSheetNode {
+  id: number;
+  name: string;
+  glCode: string;
+  usage: 'HEADER' | 'DETAIL';
+  balance: number;
+  children: BalanceSheetNode[];
+}
+
+interface BalanceSheetGroup {
+  classification: string;
+  total: number;
+  nodes: BalanceSheetNode[];
+}
+
+interface BalanceSheetSide {
+  label: string;
+  total: number;
+  groups: BalanceSheetGroup[];
+}
+
+/**
+ * Consolidated Balance Sheet (sub-group wise), laid out the way the bank's own printed balance
+ * sheet reads: liabilities on the left, assets on the right, each top-level Header account a named
+ * block whose Detail accounts are listed under it and subtotalled in the TOTAL column.
+ *
+ * Balances come from BalanceSheetApiResource, which reads the live ledger - a Detail account's own
+ * postings, and a Header's as the recursive sum of its children (a Header never carries a posting
+ * of its own). A Detail account that sits under no Header at all is shown as its own one-line block
+ * rather than being dropped.
+ */
+@Component({
+  selector: 'mifosx-balance-sheet',
+  standalone: true,
+  imports: [
+    CommonModule,
+    FormsModule
+  ],
+  templateUrl: './balance-sheet.component.html',
+  styleUrl: './balance-sheet.component.scss'
+})
+export class BalanceSheetComponent implements OnInit {
+  private accountingService = inject(AccountingService);
+  private organizationService = inject(OrganizationService);
+
+  /** Printed at the head of the PDF. Falls back to a neutral title if the profile is not set up. */
+  bankName = 'Bank';
+
+  asOnDate: string = new Date().toISOString().slice(0, 10);
+  officeId: number | null = null;
+  offices: { id: number; name: string }[] = [];
+
+  loading = false;
+  error = '';
+  asOnDateLoaded = '';
+
+  /** What the server returned, kept whole so the zero-balance toggle never needs a refetch. */
+  private rawDebitSide: BalanceSheetSide | null = null;
+  private rawCreditSide: BalanceSheetSide | null = null;
+
+  debitSide: BalanceSheetSide | null = null;
+  creditSide: BalanceSheetSide | null = null;
+
+  /**
+   * A working chart of accounts carries far more accounts than a bank actually operates, and a
+   * printed balance sheet lists only the ones carrying a balance — leaving every nil line in makes
+   * the sheet unreadable. On by default for that reason; switch it off to audit the full chart.
+   */
+  hideZeroBalances = true;
+
+  /** Both sides are derived from the same double-entry ledger, so they can only disagree if a
+   *  posting is missing a leg — worth surfacing rather than hiding. */
+  get tallied(): boolean {
+    if (!this.debitSide || !this.creditSide) {
+      return true;
+    }
+    return Math.abs(this.debitSide.total - this.creditSide.total) < 0.01;
+  }
+
+  get difference(): number {
+    if (!this.debitSide || !this.creditSide) {
+      return 0;
+    }
+    return Math.abs(this.debitSide.total - this.creditSide.total);
+  }
+
+  get officeLabel(): string {
+    if (this.officeId == null) {
+      return 'ALL BRANCHES';
+    }
+    return (this.offices.find((o) => o.id === this.officeId)?.name ?? '').toUpperCase();
+  }
+
+  ngOnInit(): void {
+    this.accountingService.getOffices().subscribe({
+      next: (offices) => (this.offices = offices || []),
+      error: () => (this.offices = [])
+    });
+    this.organizationService.getInstitutionProfile().subscribe({
+      next: (profile: any) => {
+        this.bankName = profile?.statementHeaderName || profile?.bankName || this.bankName;
+      },
+      // A missing institution profile must not stop the sheet from loading — the PDF just carries
+      // the fallback title.
+      error: () => undefined
+    });
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.error = '';
+    this.accountingService.getBalanceSheet(this.asOnDate, this.officeId ?? undefined).subscribe({
+      next: (res: any) => {
+        this.rawDebitSide = res.debitSide;
+        this.rawCreditSide = res.creditSide;
+        this.asOnDateLoaded = res.asOnDate;
+        this.applyZeroFilter();
+        this.loading = false;
+      },
+      error: () => {
+        this.error = 'Could not load the balance sheet for this date.';
+        this.loading = false;
+      }
+    });
+  }
+
+  /**
+   * Rebuilds the displayed sides from what the server sent, dropping nil lines when asked. The
+   * totals are deliberately left as the server computed them — hiding a nil line must never change
+   * a figure, and a group total is unaffected by removing children that summed to nothing.
+   */
+  applyZeroFilter(): void {
+    this.debitSide = this.filterSide(this.rawDebitSide);
+    this.creditSide = this.filterSide(this.rawCreditSide);
+  }
+
+  private filterSide(side: BalanceSheetSide | null): BalanceSheetSide | null {
+    if (!side) {
+      return null;
+    }
+    if (!this.hideZeroBalances) {
+      return side;
+    }
+    const groups = side.groups
+      .map((group) => ({
+        ...group,
+        nodes: group.nodes
+          .map((node) => this.pruneZeros(node))
+          .filter((node): node is BalanceSheetNode => node !== null)
+      }))
+      .filter((group) => group.nodes.length > 0);
+    return { ...side, groups };
+  }
+
+  /** Drops a node whose balance is nil, and any Header left with nothing under it. */
+  private pruneZeros(node: BalanceSheetNode): BalanceSheetNode | null {
+    if (Math.abs(node.balance) < 0.005) {
+      return null;
+    }
+    const children = node.children
+      .map((child) => this.pruneZeros(child))
+      .filter((child): child is BalanceSheetNode => child !== null);
+    return { ...node, children };
+  }
+
+  /** Indian grouping with two decimals, matching the printed report (2,76,92,608.00). */
+  fmt(value: number): string {
+    return new Intl.NumberFormat('en-IN', { minimumFractionDigits: 2, maximumFractionDigits: 2 }).format(value ?? 0);
+  }
+
+  /** dd/MM/yyyy, as the printed report dates it. */
+  displayDate(iso: string): string {
+    if (!iso) {
+      return '';
+    }
+    const [
+      y,
+      m,
+      d
+    ] = iso.split('-');
+    return `${d}/${m}/${y}`;
+  }
+
+  /**
+   * Builds the report as a real PDF rather than printing the page: window.print() takes the whole
+   * app shell with it and breaks pages wherever they happen to fall, which is what made the earlier
+   * output unusable.
+   */
+  downloadPdf(): void {
+    if (!this.debitSide || !this.creditSide) {
+      return;
+    }
+    const doc = buildBalanceSheetPdf({
+      bankName: this.bankName,
+      officeLabel: this.officeLabel,
+      asOnDate: this.asOnDateLoaded || this.asOnDate,
+      creditSide: this.creditSide,
+      debitSide: this.debitSide
+    });
+    doc.save(`balance-sheet-${this.asOnDateLoaded || this.asOnDate}.pdf`);
+  }
+}

src/app/accounting/disabled-features.ts

@@ -0,0 +1,43 @@
+/**
+ * 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 { inject } from '@angular/core';
+import { Router, CanActivateFn } from '@angular/router';
+
+/**
+ * Accounting features switched off for this installation.
+ *
+ * Nothing is deleted — the components, routes and services all stay in place, and flipping a flag
+ * back to `false` brings the feature back with its tile and its route. The matching API block lives
+ * in DisabledFeatureApiFilter on the backend, so a hidden feature cannot be reached by calling the
+ * endpoint directly either.
+ */
+export const DISABLED_ACCOUNTING_FEATURES = {
+  createJournalEntries: true,
+  frequentPostings: true,
+  closingEntries: true,
+  accruals: true,
+  provisioningEntries: true,
+  accountingRules: true
+};
+
+/**
+ * Blocks a route belonging to a disabled feature, for anyone who reaches it by typing the URL
+ * rather than through a tile. `data.feature` names the flag to check.
+ */
+export const accountingFeatureEnabledGuard: CanActivateFn = (route) => {
+  const router = inject(Router);
+  const feature = route.data?.['feature'] as keyof typeof DISABLED_ACCOUNTING_FEATURES | undefined;
+
+  if (!feature || !DISABLED_ACCOUNTING_FEATURES[feature]) {
+    return true;
+  }
+
+  router.navigate(['/accounting'], { replaceUrl: true });
+  return false;
+};

src/app/accounting/migrate-cash-denomination/migrate-cash-denomination.component.html

@@ -49,6 +49,27 @@
   }
 
   @if (glStatus && !glError) {
+    @if (todayAlreadyOpen) {
+      <!-- This screen is a one-time "day 1" tool - today's business day already exists, so counting
+           a drawer here would only be rejected at submit (BranchDayRegisterApiResource rejects
+           reopening an already-open day). Day Register is where every day after the first belongs. -->
+      <div class="mcd-gl mcd-gl--error">
+        <mat-icon>lock</mat-icon>
+        <div>
+          <div class="mcd-gl__label">Business Day Already Open</div>
+          <div class="mcd-gl__value">
+            {{ todayOpenInfo.businessDate }} — opened by {{ todayOpenInfo.openedByName }}, opening cash ₹{{
+              todayOpenInfo.openingCash | number: '1.2-2'
+            }}
+          </div>
+          <div class="mcd-gl__hint">
+            This branch has already opened today's business day — counting the drawer again here would only be rejected
+            on submit. Deposits, withdrawals and closing today's day happen from Day Register instead.
+          </div>
+          <button type="button" mat-stroked-button (click)="goToBranchDay()">Go to Day Register</button>
+        </div>
+      </div>
+    } @else {
       <!-- Step 2: what the ledger already says, so the count is counted against something concrete. -->
       <div class="mcd-gl" [class.mcd-gl--fresh]="!glHasBalance">
         <mat-icon>account_balance</mat-icon>
@@ -88,6 +109,7 @@
                   type="number"
                   min="0"
                   class="mcd-grid__input"
+                  [style.width.ch]="countInputWidthCh(d)"
                   [ngModel]="countFor(d)"
                   (ngModelChange)="onCountChange(d, $event)"
                 />
@@ -122,7 +144,9 @@
             <mat-icon>error</mat-icon>
             <span
               >Off by ₹{{
-              (countedTotal - glTarget < 0 ? glTarget - countedTotal : countedTotal - glTarget).toLocaleString('en-IN')
+                (countedTotal - glTarget < 0 ? glTarget - countedTotal : countedTotal - glTarget).toLocaleString(
+                  'en-IN'
+                )
               }}</span
             >
           }
@@ -164,4 +188,5 @@
         </div>
       }
     }
+  }
 </div>

src/app/accounting/migrate-cash-denomination/migrate-cash-denomination.component.scss

@@ -115,6 +115,10 @@
     color: #64748b;
     line-height: 1.4;
   }
+
+  button {
+    margin-top: 10px;
+  }
 }
 
 .mcd-grid {
@@ -171,7 +175,11 @@
   }
 
   &__input {
-    width: 48px;
+    /* Width is set inline per row (see countInputWidthCh()), growing with the digit count typed —
+       min-width here only covers the fallback before Angular has bound anything. */
+    min-width: 48px;
+    max-width: 96px;
+    transition: width 0.1s ease-out;
     text-align: center;
     font-variant-numeric: tabular-nums;
     border: 1px solid #e2e8f0;

src/app/accounting/migrate-cash-denomination/migrate-cash-denomination.component.ts

@@ -66,6 +66,14 @@ export class MigrateCashDenominationComponent implements OnInit {
   glStatus: any = null;
   glError = '';
 
+  /** Set once per office change: whether TODAY's business day is already open for this office. This
+   *  screen is a one-time "day 1" tool (see the class doc) - once a day has actually been opened,
+   *  reopening the same one is exactly what BranchDayRegisterApiResource#migrateCashDenomination
+   *  itself refuses (its own openDayInternal call rejects a day that is already open), so this is
+   *  checked here too, before the user counts an entire drawer only to have the submit rejected. */
+  todayAlreadyOpen = false;
+  todayOpenInfo: any = null;
+
   notes: Denom[] = [];
   coins: Denom[] = [];
   counts: Record<number, number> = {};
@@ -118,6 +126,8 @@ export class MigrateCashDenominationComponent implements OnInit {
     this.result = null;
     this.successMsg = '';
     this.errorMsg = '';
+    this.todayAlreadyOpen = false;
+    this.todayOpenInfo = null;
     if (!this.officeId) return;
 
     this.glLoading = true;
@@ -131,6 +141,15 @@ export class MigrateCashDenominationComponent implements OnInit {
           this.glError = res.message || 'No cash GL account is configured for this tenant yet.';
         }
       });
+
+    this.service
+      .branchDayRegister(this.officeId)
+      .pipe(catchError(() => of(null)))
+      .subscribe((res: any) => {
+        const openDay = res?.openDay;
+        this.todayAlreadyOpen = !!openDay && openDay.businessDate === res?.today;
+        this.todayOpenInfo = this.todayAlreadyOpen ? openDay : null;
+      });
   }
 
   countFor(d: Denom): number {
@@ -149,6 +168,12 @@ export class MigrateCashDenominationComponent implements OnInit {
     this.counts[d.id] = Math.max(0, (this.counts[d.id] || 0) + delta);
   }
 
+  /** Widens the count box as the typed count grows more digits, so a large count (hundreds,
+   *  thousands) is never clipped or hard to read inside a field sized for one or two digits. */
+  countInputWidthCh(d: Denom): number {
+    return Math.max(3, String(this.countFor(d)).length + 2);
+  }
+
   get countedTotal(): number {
     return this.allDenoms.reduce((s, d) => s + this.subtotalFor(d), 0);
   }

src/app/accounting/migrate-opening-balances/migrate-opening-balances.component.html

@@ -162,7 +162,18 @@
             <div class="mob-grid mob-grid--data" formArrayName="glAccountEntries">
               <div class="mob-grid__row" [formGroupName]="i">
                 <div class="mob-grid__code">{{ openingBalancesData.glAccounts[i].glAccountCode }}</div>
-                <div class="mob-grid__name">{{ openingBalancesData.glAccounts[i].glAccountName }}</div>
+                <div class="mob-grid__name">
+                  {{ openingBalancesData.glAccounts[i].glAccountName }}
+                  @if (isDenominationManaged(openingBalancesData.glAccounts[i].glAccountId)) {
+                    <span
+                      class="mob-grid__lock"
+                      matTooltip="Set by Migrate Cash Denomination — use that screen to change it"
+                    >
+                      <mat-icon inline="true">lock</mat-icon>
+                      <a [routerLink]="['/accounting/migrate-cash-denomination']">Migrate Cash Denomination</a>
+                    </span>
+                  }
+                </div>
                 <div class="mob-grid__amt">
                   <mat-form-field class="mob-grid__input">
                     <input matInput type="number" min="0" formControlName="debit" placeholder="0.00" />

src/app/accounting/migrate-opening-balances/migrate-opening-balances.component.scss

@@ -219,6 +219,33 @@
     word-break: break-word;
   }
 
+  /* Cash at Vault / Cash at Teller — locked, see MigrateOpeningBalancesComponent.isDenominationManaged. */
+  &__lock {
+    display: inline-flex;
+    align-items: center;
+    gap: 4px;
+    margin-left: 8px;
+    padding: 1px 8px 1px 6px;
+    border-radius: 999px;
+    background: #fff7ed;
+    color: #9a3412;
+    font-size: 11px;
+    font-weight: 600;
+    white-space: nowrap;
+    vertical-align: middle;
+
+    mat-icon {
+      font-size: 13px;
+      width: 13px;
+      height: 13px;
+    }
+
+    a {
+      color: inherit;
+      text-decoration: underline;
+    }
+  }
+
   &__amt {
     text-align: right;
   }

src/app/accounting/migrate-opening-balances/migrate-opening-balances.component.ts

@@ -17,6 +17,7 @@ import {
 } from '@angular/forms';
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { MatIconModule } from '@angular/material/icon';
+import { MatTooltipModule } from '@angular/material/tooltip';
 
 /** Custom Services */
 import { AccountingService } from '../accounting.service';
@@ -43,7 +44,8 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     ...STANDALONE_SHARED_IMPORTS,
     GlAccountDisplayComponent,
     CurrencyPipe,
-    MatIconModule
+    MatIconModule,
+    MatTooltipModule
   ]
 })
 export class MigrateOpeningBalancesComponent implements OnInit, AfterViewInit {
@@ -74,6 +76,13 @@ export class MigrateOpeningBalancesComponent implements OnInit, AfterViewInit {
   debitsSum = 0;
   /** Sum total of credits. */
   creditsSum = 0;
+  /** GL account ids mapped to Financial Activity 101 (Cash at Vault) / 102 (Cash at Teller) — the
+   *  account(s) Migrate Cash Denomination owns. Their opening balance is shown here for visibility
+   *  but locked against editing: redefining it as a bare number here, instead of through a counted
+   *  denomination breakdown, would let the GL figure drift away from what is physically in the till.
+   *  The backend enforces the same rule independently (see defineOpeningBalance's
+   *  validateNoDenominationManagedCashAccounts) — this is a convenience, not the source of truth. */
+  denominationManagedGlAccountIds: number[] = [];
 
   /* Reference of search form */
   @ViewChild('searchFormRef') searchFormRef: ElementRef<any>;
@@ -95,6 +104,22 @@ export class MigrateOpeningBalancesComponent implements OnInit, AfterViewInit {
       this.officeData = data.offices;
       this.currencyData = data.currencies.selectedCurrencyOptions;
     });
+    // Office-independent: which GL account(s) this tenant has mapped to Cash at Vault / Cash at
+    // Teller, so their row can be locked the moment the office's accounts are drawn.
+    this.accountingService.getFinancialActivityAccounts().subscribe((mappings: any[]) => {
+      this.denominationManagedGlAccountIds = (mappings || [])
+        .filter((mapping) => mapping.financialActivityData?.id === 101 || mapping.financialActivityData?.id === 102)
+        .map((mapping) => mapping.glAccountData?.id)
+        .filter((id) => id != null);
+      // Retrieve may already have run before this (fast) request came back — lock any row it
+      // missed rather than leaving it editable for the rest of this visit.
+      this.glAccountEntries?.controls.forEach((control) => {
+        const glAccountId = control.get('glAccountId')?.value;
+        if (this.isDenominationManaged(glAccountId) && control.enabled) {
+          control.disable();
+        }
+      });
+    });
   }
 
   /**
@@ -136,14 +161,31 @@ export class MigrateOpeningBalancesComponent implements OnInit, AfterViewInit {
    * @returns {FormGroup} GL Account entry form.
    */
   createGLAccountEntryForm(glAccount: any): UntypedFormGroup {
-    return this.formBuilder.group(
+    // A never-touched account arrives as a placeholder row (amount/entryType both null); one that
+    // already carries an opening balance arrives with its real, committed figure — show that
+    // instead of leaving the field looking blank.
+    const existingDebit = glAccount.entryType?.value === 'DEBIT' ? glAccount.amount : null;
+    const existingCredit = glAccount.entryType?.value === 'CREDIT' ? glAccount.amount : null;
+    const group = this.formBuilder.group(
       {
         glAccountId: [glAccount.glAccountId],
-        debit: [null],
+        debit: [existingDebit],
-        credit: [null]
+        credit: [existingCredit]
       },
       { validator: onlyOneOfTheFieldsIsRequiredValidator }
     );
+    if (this.isDenominationManaged(glAccount.glAccountId)) {
+      // Disabling excludes this row from the form's own .value, so it is never resubmitted here —
+      // the account keeps whatever Migrate Cash Denomination last set it to.
+      group.disable();
+    }
+    return group;
+  }
+
+  /** Whether this GL account is Cash at Vault / Cash at Teller — locked here, see
+   *  denominationManagedGlAccountIds. */
+  isDenominationManaged(glAccountId: number): boolean {
+    return this.denominationManagedGlAccountIds.includes(glAccountId);
   }
 
   /**
@@ -176,14 +218,27 @@ export class MigrateOpeningBalancesComponent implements OnInit, AfterViewInit {
 
         this.openingBalancesData = openingBalancesData;
 
-        entry.valueChanges.subscribe(() => {
+        entry.valueChanges.subscribe(() => this.recomputeSums());
+        // Runs once immediately too: valueChanges only fires on a later edit, and the locked cash
+        // row's own prefilled figure (set once, above, never through a further value change) would
+        // otherwise never be reflected in the banner at all.
+        this.recomputeSums();
+      });
+  }
+
+  /** Total Debit / Total Credit shown in the balance banner. A locked (denomination-managed) row is
+   *  excluded here exactly as it is excluded from the form's own .value used at submit time — this
+   *  screen only needs to balance the accounts it is itself about to (re)define, not the one
+   *  Migrate Cash Denomination already settled and this form can never touch. */
+  private recomputeSums(): void {
     this.debitsSum = 0;
     this.creditsSum = 0;
-          entry.controls.forEach((value) => {
+    this.glAccountEntries.controls.forEach((control) => {
-            this.debitsSum += value.value.debit;
+      if (control.disabled) {
-            this.creditsSum += value.value.credit;
+        return;
-          });
+      }
-        });
+      this.debitsSum += control.value.debit || 0;
+      this.creditsSum += control.value.credit || 0;
     });
   }
 

src/app/accounting/search-journal-entry/search-journal-entry.component.html

@@ -53,10 +53,13 @@
         <fa-icon icon="sync" [class.fa-spin]="ledgerLoading"></fa-icon>
         Refresh
       </button>
+      <!-- New Entry — hidden while Create Journal Entries is disabled, see disabled-features.ts -->
+      @if (!disabledFeatures.createJournalEntries) {
         <button class="gl-hero-btn gl-hero-btn--primary" [routerLink]="['/accounting/journal-entries/create']">
           <fa-icon icon="plus"></fa-icon>
           New Entry
         </button>
+      }
     </div>
   </div>
 </div>

src/app/accounting/search-journal-entry/search-journal-entry.component.ts

@@ -14,6 +14,7 @@ import { ActivatedRoute, RouterLink } from '@angular/router';
 import { merge } from 'rxjs';
 import { tap, startWith, map, distinctUntilChanged, debounceTime } from 'rxjs/operators';
 import { AccountingService } from '../accounting.service';
+import { DISABLED_ACCOUNTING_FEATURES } from '../disabled-features';
 import { SettingsService } from 'app/settings/settings.service';
 import { JournalEntriesDataSource } from './journal-entry.datasource';
 import { Dates } from 'app/core/utils/dates';
@@ -90,6 +91,8 @@ export class SearchJournalEntryComponent implements OnInit, OnDestroy, AfterView
   // ── Misc ──────────────────────────────────────────────────────────────────
   minDate = new Date(2000, 0, 1);
   maxDate = new Date();
+  /** Accounting features switched off for this installation — see disabled-features.ts. */
+  disabledFeatures = DISABLED_ACCOUNTING_FEATURES;
 
   // ── Filter controls ───────────────────────────────────────────────────────
   officeName = new UntypedFormControl();

src/app/cashier/branch-day/branch-day.component.html

@@ -49,6 +49,18 @@
     </div>
   }
 
+  @if (firstOpenNeedsCashMigration && !missedOnly) {
+    <div class="bd-locked">
+      <mat-icon>lock</mat-icon>
+      <span>
+        This branch has never opened a business day, and its Cash at Vault GL account has no opening balance yet. Count
+        the vault and open the first business day together from
+        <a [routerLink]="['/accounting/migrate-cash-denomination']">Migrate Cash Denomination</a> — Open Day here is
+        locked until that is done, so today's cash tracking never starts out of step with the ledger.
+      </span>
+    </div>
+  }
+
   <!-- Missed closes first: these are the ones that need action. -->
   @if (missed.length > 0) {
     <div class="db-exceptions">
@@ -703,10 +715,10 @@
                   <span class="db-muted">· {{ timeOnly(d.closedAt) }}</span>
                 }
               </td>
-              <td class="num">{{ d.closingCash != null ? '₹' + (d.closingCash | number: '1.2-2') : '—' }}</td>
+              <td class="num">{{ hasValue(d.closingCash) ? '₹' + (d.closingCash | number: '1.2-2') : '—' }}</td>
-              <td class="num">{{ d.bookCash != null ? '₹' + (d.bookCash | number: '1.2-2') : '—' }}</td>
+              <td class="num">{{ hasValue(d.bookCash) ? '₹' + (d.bookCash | number: '1.2-2') : '—' }}</td>
               <td>
-                @if (d.cashDifference == null) {
+                @if (!hasValue(d.cashDifference)) {
                   —
                 } @else if (d.cashDifference === 0) {
                   <span class="db-badge db-badge--ok">Tallied</span>

src/app/cashier/branch-day/branch-day.component.scss

@@ -30,6 +30,36 @@
   }
 }
 
+/* Blocks Open Day until the branch's first-ever open has gone through Migrate Cash Denomination —
+   see BranchDayComponent.checkFirstOpenCashMigration(). Same shape as .ve-note, in the error palette
+   the rest of this screen already uses for a missed close (.bd-missed). */
+.bd-locked {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  padding: 10px 14px;
+  margin-bottom: 14px;
+  background: #fef2f2;
+  border: 1px solid #fecaca;
+  border-radius: 8px;
+  color: #b91c1c;
+  font-size: 12px;
+  line-height: 1.5;
+
+  mat-icon {
+    flex: none;
+    font-size: 18px;
+    width: 18px;
+    height: 18px;
+  }
+
+  a {
+    color: inherit;
+    font-weight: 600;
+    text-decoration: underline;
+  }
+}
+
 .bd-success {
   padding: 10px 14px;
   margin-bottom: 14px;

src/app/cashier/branch-day/branch-day.component.ts

@@ -10,7 +10,7 @@ import { Component, OnInit, inject } from '@angular/core';
 import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
 import { MatIconModule } from '@angular/material/icon';
-import { ActivatedRoute } from '@angular/router';
+import { ActivatedRoute, RouterLink } from '@angular/router';
 import { catchError, forkJoin, map, of, switchMap } from 'rxjs';
 import { CashierService } from '../cashier.service';
 
@@ -61,7 +61,8 @@ interface BranchDay {
   imports: [
     CommonModule,
     FormsModule,
-    MatIconModule
+    MatIconModule,
+    RouterLink
   ]
 })
 export class BranchDayComponent implements OnInit {
@@ -85,6 +86,12 @@ export class BranchDayComponent implements OnInit {
   loaded = false;
   errorMsg = '';
   successMsg = '';
+  /** True only for a branch that has never opened a business day and whose Cash at Vault / Cash at
+   *  Teller GL account has never had anything posted to it — Open Day here would let day-to-day cash
+   *  tracking begin while the ledger silently stays wherever it already was. The backend enforces
+   *  this independently too (see BranchDayRegisterApiResource#requireCashMigrationBeforeFirstEverOpen);
+   *  this flag only steers the user to the right screen before they hit that rejection. */
+  firstOpenNeedsCashMigration = false;
 
   // Open-day form
   showOpenForm = false;
@@ -202,6 +209,7 @@ export class BranchDayComponent implements OnInit {
         this.today = res?.today ?? '';
         this.canOperate = !!res?.canOperate;
         this.openDate = this.today;
+        this.checkFirstOpenCashMigration();
       });
 
     this.service
@@ -212,9 +220,42 @@ export class BranchDayComponent implements OnInit {
       });
   }
 
+  /**
+   * Only relevant the moment this branch has never opened a business day before — every later
+   * open/close on this screen is untouched, so there is nothing to re-check once history exists.
+   */
+  private checkFirstOpenCashMigration(): void {
+    if (this.days.length > 0 || this.openDay) {
+      this.firstOpenNeedsCashMigration = false;
+      return;
+    }
+    this.service.cashGlStatus().subscribe({
+      next: (status: any) => {
+        // configured === false means this tenant has no Cash at Vault / Cash at Teller account
+        // mapped at all — nothing for this check to reconcile against, so it does not block.
+        this.firstOpenNeedsCashMigration = status?.configured !== false && !status?.hasBalance;
+      },
+      error: () => {
+        this.firstOpenNeedsCashMigration = false;
+      }
+    });
+  }
+
   /** True when the branch has no open day at all, so today can be opened. */
   get canOpenToday(): boolean {
-    return this.canOperate && !this.openDay;
+    return this.canOperate && !this.openDay && !this.firstOpenNeedsCashMigration;
+  }
+
+  /**
+   * A still-open day's closing/book figures are dropped from the API response entirely (the
+   * backend's Gson instance omits a null map value rather than sending it as JSON null), so the
+   * field arrives as undefined, not null. Checking only `!== null` against that — which a stricter
+   * pass of this file made the mistake of doing — leaves undefined on the "has a value" branch,
+   * which then renders `'₹' + null` (the number pipe's own null output, string-concatenated) as the
+   * literal text "₹null". This checks for either, the way an open day actually shows up.
+   */
+  hasValue(value: number | null | undefined): boolean {
+    return value !== null && value !== undefined;
   }
 
   startOpen(): void {

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

@@ -3189,7 +3189,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     // Step 1: search on the correct endpoint for this account type
     this.http
       .get<any>(
-        `${cfg.list}?${cfg.listQueryParam}=${encodeURIComponent(acNo)}${cfg.supportsPagination ? `&offset=0&limit=${cfg.maxLimit}` : ''}`
+        `${cfg.list}?${cfg.listQueryParam}=${encodeURIComponent(acNo)}${cfg.supportsPagination ? `&offset=0&limit=${cfg.maxLimit}` : ''}${cfg.extraListQueryParams ? `&${cfg.extraListQueryParams}` : ''}`
       )
       .pipe(catchError(() => of(null)))
       .subscribe((res: any) => {
@@ -3278,6 +3278,10 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     matchField: string;
     detailParams: string;
     supportsPagination: boolean;
+    /** Extra fixed query params (e.g. "usage=1") appended to every list-search request for this
+     *  account type — used to keep Header GL accounts out of the results a clerk/cashier can pick
+     *  for a transaction; a Header can never receive a posting, so it should never be offered. */
+    extraListQueryParams?: string;
   } {
     const t = acTyp?.toUpperCase();
     if (t === 'LA') {
@@ -3331,7 +3335,10 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
         listQueryParam: 'searchParam',
         matchField: 'glCode',
         detailParams: '?fetchRunningBalance=true',
-        supportsPagination: false
+        supportsPagination: false,
+        // Detail-only: a Header account is a pure grouping node and can never receive a
+        // transaction, so it must never be a selectable match here in the first place.
+        extraListQueryParams: 'usage=1'
       };
     }
     if (t === 'CA' || t === 'CB') {

src/app/clients/edit-client/contact-otp-block/contact-otp-block.component.ts

@@ -164,6 +164,13 @@ export class ContactOtpBlockComponent implements OnChanges, OnDestroy {
     request$.subscribe({
       next: (res: any) => {
         this.sending = false;
+        // The backend reports failure to actually dispatch the OTP (gateway error, flagged
+        // number, SMTP failure...) as a 200 response with success:false and a real reason in
+        // `message` — never a thrown error. Surface that reason instead of treating it as sent.
+        if (res?.success === false) {
+          this.errorMessage = res?.message || 'Could not send OTP.';
+          return;
+        }
         this.otpId = res?.otpId ?? res?.resourceId ?? null;
         this.otpSent = true;
         this.clearAllDigits();

src/app/core/shell/sidenav/sidenav.component.html

@@ -299,6 +299,9 @@
           </mat-icon>
           <a matLine>{{ 'labels.menus.Notifications' | translate }}</a>
         </mat-list-item>
+        <!-- Frequent Postings / Create Journal Entry — hidden while disabled, see
+             accounting/disabled-features.ts -->
+        @if (!disabledFeatures.frequentPostings) {
           <mat-list-item
             [routerLink]="['/accounting/journal-entries/frequent-postings']"
             [matTooltipPosition]="tooltipPosition"
@@ -312,6 +315,8 @@
             </mat-icon>
             <a matLine #frequentPostings>{{ 'labels.menus.Frequent Postings' | translate }}</a>
           </mat-list-item>
+        }
+        @if (!disabledFeatures.createJournalEntries) {
           <mat-list-item
             [routerLink]="['/accounting/journal-entries/create']"
             [matTooltipPosition]="tooltipPosition"
@@ -325,6 +330,7 @@
             </mat-icon>
             <a matLine #createJournalEntry>{{ 'labels.menus.Create Journal Entry' | translate }}</a>
           </mat-list-item>
+        }
         <mat-list-item
           [routerLink]="['/accounting/chart-of-accounts']"
           [matTooltipPosition]="tooltipPosition"

src/app/core/shell/sidenav/sidenav.component.ts

@@ -33,6 +33,7 @@ import { MatIcon } from '@angular/material/icon';
 import { MatLine } from '@angular/material/grid-list';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { remittanceConfig } from '../../../remittances/remittance.config';
+import { DISABLED_ACCOUNTING_FEATURES } from '../../../accounting/disabled-features';
 import { environment } from '../../../../environments/environment';
 
 import { catchError, finalize, of, take } from 'rxjs';
@@ -81,6 +82,8 @@ export class SidenavComponent implements OnInit, AfterViewInit {
   frequentActivities: any[] = frequentActivities;
   /** Whether remittance feature is enabled */
   mifosRemittanceEnabled = remittanceConfig.isRemittanceEnabled;
+  /** Accounting features switched off for this installation — see accounting/disabled-features.ts. */
+  disabledFeatures = DISABLED_ACCOUNTING_FEATURES;
   /** Whether Superset Analytics is enabled */
   supersetEnabled = environment.supersetEnabled;
 

src/app/organization/institution-profile/institution-profile.component.html

@@ -275,9 +275,12 @@
               <a [routerLink]="['/bank-calendar']" class="ip-reflink"
                 ><i class="fas fa-calendar-check"></i> Holiday Calendar</a
               >
+              <!-- Closing Entries — hidden while disabled, see accounting/disabled-features.ts -->
+              @if (!disabledFeatures.closingEntries) {
                 <a [routerLink]="['/accounting/closing-entries']" class="ip-reflink"
                   ><i class="fas fa-calendar-day"></i> Financial Year / Closing Entries</a
                 >
+              }
               <a [routerLink]="['/branch-ops/day-register']" class="ip-reflink"
                 ><i class="fas fa-clock"></i> Business Date (Day Register)</a
               >

src/app/organization/institution-profile/institution-profile.component.ts

@@ -12,6 +12,7 @@ import { catchError, of } from 'rxjs';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { OrganizationService } from '../organization.service';
 import { SettingsService } from 'app/settings/settings.service';
+import { DISABLED_ACCOUNTING_FEATURES } from '../../accounting/disabled-features';
 
 const BANK_TYPES = [
   { value: 'COOPERATIVE', label: 'Co-operative Bank' },
@@ -63,6 +64,8 @@ export class InstitutionProfileComponent implements OnInit {
   private organizationService = inject(OrganizationService);
   private settingsService = inject(SettingsService);
 
+  /** Accounting features switched off for this installation — see accounting/disabled-features.ts. */
+  disabledFeatures = DISABLED_ACCOUNTING_FEATURES;
   bankTypes = BANK_TYPES;
   ownershipTypes = OWNERSHIP_TYPES;
   licenseStatuses = LICENSE_STATUSES;

src/app/platform-admin/menu-access/menu-access.component.ts

@@ -104,7 +104,8 @@ export class PlatformMenuAccessComponent {
       'X-Api-Key': this.apiKey,
       // Any real tenant satisfies the platform's tenant-resolution filter; the target tenant for
       // read/write is this header's own value, so it is set to whichever tenant is actually in play.
-      'Fineract-Platform-TenantId': tenantForFilter || this.selectedTenant || (this.tenants[0]?.identifier ?? 'default')
+      'Fineract-Platform-TenantId':
+        tenantForFilter || this.selectedTenant || this.tenants[0]?.identifier || environment.fineractPlatformTenantId
     };
   }
 
@@ -126,7 +127,9 @@ export class PlatformMenuAccessComponent {
     this.rememberKey();
     this.loadingTenants = true;
     try {
-      const res = await fetch(this.apiUrl('/tenant-menu-access/tenants'), { headers: this.headers('default') });
+      const res = await fetch(this.apiUrl('/tenant-menu-access/tenants'), {
+        headers: this.headers(environment.fineractPlatformTenantId)
+      });
       if (!res.ok) {
         throw new Error(
           res.status === 403 || res.status === 401 ? 'Invalid or inactive API key.' : `Server error (${res.status}).`

src/app/products/share-products/create-share-product/create-share-product.component.html

@@ -110,8 +110,7 @@
             [shareProductsTemplate]="shareProductsTemplate"
             [accountingRuleData]="accountingRuleData"
             [shareProduct]="shareProduct"
-            [taskPermission]="'CREATE_SHAREPRODUCT'"
+            [showActions]="false"
-            (submitEvent)="submit()"
           ></mifosx-share-product-preview-step>
         </div>
       </mat-tab>

src/app/products/share-products/share-product-stepper/share-product-preview-step/share-product-preview-step.component.html

@@ -250,6 +250,7 @@
   </div>
 </div>
 
+@if (showActions) {
   <div class="shpp-actions">
     <button mat-raised-button [routerLink]="['../']">
       {{ 'labels.buttons.Cancel' | translate }}
@@ -258,3 +259,4 @@
       {{ 'labels.buttons.Submit' | translate }}
     </button>
   </div>
+}

src/app/products/share-products/share-product-stepper/share-product-preview-step/share-product-preview-step.component.ts

@@ -52,6 +52,10 @@ export class ShareProductPreviewStepComponent {
   @Input() accountingRuleData: any;
   @Input() shareProduct: any;
   @Input() taskPermission: string;
+  /** Set to false when the host page already renders its own Cancel/Submit bar for this step
+   *  (the Create flow's shared bottom action bar) — Edit's stepper has no such bar of its own, so
+   *  this defaults to true and keeps rendering the button there. */
+  @Input() showActions = true;
   @Output() submitEvent = new EventEmitter();
 
   marketPriceDisplayedColumns: string[] = [

src/app/savings/create-savings-account/create-savings-account.component.html

@@ -91,16 +91,10 @@
             [savingsAccountNominees]="savingsAccountCurrencyStep?.nominees ?? []"
             [submitting]="submitting"
             (submitEvent)="submit()"
+            (previousEvent)="prev()"
           >
           </mifosx-savings-account-preview-step>
         }
-
-        <div class="csa-actions">
-          <button mat-stroked-button (click)="prev()">
-            <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
-            {{ 'labels.buttons.Previous' | translate }}
-          </button>
-        </div>
       </div>
     </mat-tab>
   </mat-tab-group>

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

@@ -585,13 +585,17 @@
 </div>
 
 <!--
-  Submit & Cancel — Previous lives in the parent wizard's tab action bar
+  Previous, Cancel & Submit all in one row. Previous emits back to the parent wizard rather than
-  now that this component renders inside a mat-tab-group rather than a
+  using matStepperPrevious, since this component renders inside a mat-tab-group rather than a
-  mat-stepper. Re-introducing matStepperPrevious here would require a
+  mat-stepper and has no CdkStepper ancestor to bind to.
-  CdkStepper ancestor and would crash the view on init.
 -->
 @if (!hideButtons) {
   <div class="preview-submit-row">
+    <button mat-stroked-button (click)="previousEvent.emit()">
+      <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+      {{ 'labels.buttons.Previous' | translate }}
+    </button>
+    <div class="preview-submit-row__right">
       <button mat-stroked-button [routerLink]="['../..']">
         {{ 'labels.buttons.Cancel' | translate }}
       </button>
@@ -606,4 +610,5 @@
         {{ 'labels.buttons.Submit' | translate }}
       </button>
     </div>
+  </div>
 }

src/app/savings/savings-account-stepper/savings-account-preview-step/savings-account-preview-step.component.scss

@@ -13,17 +13,21 @@
   padding: 0.5rem 0;
 }
 
-/* Submit + Cancel row at the bottom of the preview. Previous lives in the
+/* Previous, Cancel & Submit row at the bottom of the preview. */
-   parent wizard's tab action bar. */
 .preview-submit-row {
   display: flex;
-  justify-content: flex-end;
+  justify-content: space-between;
   align-items: center;
-  gap: 12px;
   margin-top: 18px;
   padding-top: 16px;
   border-top: 1px solid #f1f5f9;
 
+  &__right {
+    display: flex;
+    align-items: center;
+    gap: 12px;
+  }
+
   button {
     height: 42px !important;
     border-radius: 10px !important;

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

@@ -116,6 +116,9 @@ export class SavingsAccountPreviewStepComponent implements OnChanges {
 
   /** Form submission event */
   @Output() submitEvent = new EventEmitter();
+  /** Goes back a tab in the parent wizard — kept here so Previous renders in the same row as
+   *  Cancel/Submit instead of a separate action bar underneath. */
+  @Output() previousEvent = new EventEmitter();
 
   ngOnChanges(): void {
     if (this.activeClientMembers?.length > 0) {

src/app/shares/shares-account-view/shares-account-view.component.ts

@@ -149,6 +149,13 @@ export class SharesAccountViewComponent implements OnInit {
       // capital that was never issued.
       if (!this.isSettled) {
         this.buttonConfig.removeOption('Share Certificate');
+      } else {
+        // "Apply Collection" settles the account's ORIGINAL application funding -- a one-time
+        // step. Once collectionApplied is true there is nothing left to settle this way; any
+        // further share purchases on this account go through "Apply Additional Shares" instead,
+        // which raises and settles its own tranche. Leaving this button up after settlement invited
+        // reopening the dialog against an account with no unapplied receipt to find.
+        this.buttonConfig.removeButton('Apply Collection');
       }
     }
   }

src/app/sponsor-dd/gl-settings-dialog/gl-settings-dialog.component.ts

@@ -206,7 +206,9 @@ export class GlSettingsDialogComponent implements OnInit {
 
   loadGlAccountsAndMapping(): void {
     this.loading = true;
-    this.http.get<any[]>('/glaccounts?manualEntriesAllowed=true&disabled=false').subscribe({
+    // usage=1 (Detail only): these settings map real Sponsor DD transactions onto a GL account, and
+    // a Header account can never receive one, so it must never be offered here.
+    this.http.get<any[]>('/glaccounts?manualEntriesAllowed=true&disabled=false&usage=1').subscribe({
       next: (accounts) => {
         this.glAccounts = accounts || [];
         this.sponsorDDService.getGlMappings().subscribe({

src/assets/env.js

@@ -20,8 +20,8 @@
   // Tenants the login screen offers, and which one it starts on. Every identifier here has to exist
   // in the tenants table of the tenant-store database, or the platform rejects the request as an
   // unknown tenant.
-  window["env"]["fineractPlatformTenantId"] = 'default';
+  window["env"]["fineractPlatformTenantId"] = 'lincpay';
-  window["env"]["fineractPlatformTenantIds"] = 'default,abc_bank,socity_bank';
+  window["env"]["fineractPlatformTenantIds"] = 'lincpay';
 
   window['env']['tenantLogoUrl'] = '';
   window['env']['tenantLogoUrlDark'] = '';

src/environments/environment.prod.ts

@@ -19,8 +19,8 @@ export const environment = {
   version: env.mifos_x.version,
   hash: env.mifos_x.hash,
   // For connecting to server running elsewhere update the tenant identifier
-  fineractPlatformTenantId: loadedEnv['fineractPlatformTenantId'] || 'default',
+  fineractPlatformTenantId: loadedEnv['fineractPlatformTenantId'] || 'lincpay',
-  fineractPlatformTenantIds: loadedEnv['fineractPlatformTenantIds'] || 'default',
+  fineractPlatformTenantIds: loadedEnv['fineractPlatformTenantIds'] || 'lincpay',
   // For connecting to others servers running elsewhere update the base API URL
   baseApiUrls:
     loadedEnv['fineractApiUrls'] || 'https://demo.mifos.community,https://localhost:8443,' + window.location.origin,

src/environments/environment.ts

@@ -22,8 +22,8 @@ export const environment = {
   version: env.mifos_x.version,
   hash: env.mifos_x.hash,
   // For connecting to server running elsewhere update the tenant identifier
-  fineractPlatformTenantId: loadedEnv.fineractPlatformTenantId || 'default',
+  fineractPlatformTenantId: loadedEnv.fineractPlatformTenantId || 'lincpay',
-  fineractPlatformTenantIds: loadedEnv.fineractPlatformTenantIds || 'default',
+  fineractPlatformTenantIds: loadedEnv.fineractPlatformTenantIds || 'lincpay',
   // For connecting to others servers running elsewhere update the base API URL
   baseApiUrls:
     loadedEnv.fineractApiUrls || 'https://demo.mifos.community,https://localhost:8443,' + window.location.origin,