Merge branch 'dev-latest' into feature/advanceLoanProduct

package.json

@@ -15,7 +15,7 @@
     "ng": "ng",
     "build": "node version.js && npm run env -s && ng build --configuration production --output-hashing=none",
     "build:prod": "node version.js && node --max-old-space-size=16384 ./node_modules/@angular/cli/bin/ng build --configuration production --output-hashing=none --base-href=/web-app/",
-    "start": "npm run env -s && cross-env NODE_OPTIONS=\"--max_old_space_size=16384\" ng serve --proxy-config proxy.localhost.conf.js",
+    "start": "npm run env -s && cross-env NODE_OPTIONS=\"--max_old_space_size=4096\" ng serve --proxy-config proxy.localhost.conf.js",
     "start:share": "npm run env -s && cross-env NODE_OPTIONS=\"--max_old_space_size=16384\" ng serve --host 0.0.0.0 --proxy-config proxy.localhost.conf.js",
     "start:demo": "npm run env -s && cross-env NODE_OPTIONS=\"--max_old_space_size=16384\" ng serve --proxy-config proxy.conf.js",
     "serve:dev": "npm run env -s && cross-env NODE_OPTIONS=\"--max_old_space_size=16384\" ng serve --source-map --proxy-config proxy.localhost.conf.js",

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

@@ -279,7 +279,7 @@
     <div class="gl-fgroup">
       <label class="gl-flabel"><fa-icon icon="calendar-alt"></fa-icon> From Date</label>
       <mat-form-field appearance="outline" class="gl-ffield">
-        <input matInput [matDatepicker]="dpFrom" [min]="minDate" [max]="maxDate" [formControl]="transactionDateFrom" />
+        <input matInput [matDatepicker]="dpFrom" [min]="minDate" [formControl]="transactionDateFrom" />
         <mat-datepicker-toggle matSuffix [for]="dpFrom"></mat-datepicker-toggle>
         <mat-datepicker #dpFrom></mat-datepicker>
       </mat-form-field>
@@ -288,7 +288,7 @@
     <div class="gl-fgroup">
       <label class="gl-flabel"><fa-icon icon="calendar-alt"></fa-icon> To Date</label>
       <mat-form-field appearance="outline" class="gl-ffield">
-        <input matInput [matDatepicker]="dpTo" [min]="minDate" [max]="maxDate" [formControl]="transactionDateTo" />
+        <input matInput [matDatepicker]="dpTo" [min]="minDate" [formControl]="transactionDateTo" />
         <mat-datepicker-toggle matSuffix [for]="dpTo"></mat-datepicker-toggle>
         <mat-datepicker #dpTo></mat-datepicker>
       </mat-form-field>
@@ -353,13 +353,7 @@
       <div class="gl-fgroup">
         <label class="gl-flabel"><fa-icon icon="calendar-check"></fa-icon> Submitted From</label>
         <mat-form-field appearance="outline" class="gl-ffield">
-          <input
-            matInput
-            [matDatepicker]="dpSubFrom"
-            [min]="minDate"
-            [max]="maxDate"
-            [formControl]="submittedOnDateFrom"
-          />
+          <input matInput [matDatepicker]="dpSubFrom" [min]="minDate" [formControl]="submittedOnDateFrom" />
           <mat-datepicker-toggle matSuffix [for]="dpSubFrom"></mat-datepicker-toggle>
           <mat-datepicker #dpSubFrom></mat-datepicker>
         </mat-form-field>
@@ -368,7 +362,7 @@
       <div class="gl-fgroup">
         <label class="gl-flabel"><fa-icon icon="calendar-check"></fa-icon> Submitted To</label>
         <mat-form-field appearance="outline" class="gl-ffield">
-          <input matInput [matDatepicker]="dpSubTo" [min]="minDate" [max]="maxDate" [formControl]="submittedOnDateTo" />
+          <input matInput [matDatepicker]="dpSubTo" [min]="minDate" [formControl]="submittedOnDateTo" />
           <mat-datepicker-toggle matSuffix [for]="dpSubTo"></mat-datepicker-toggle>
           <mat-datepicker #dpSubTo></mat-datepicker>
         </mat-form-field>
@@ -539,7 +533,7 @@
   </div>
 
   <div class="gl-table-shell">
-    <mat-table [dataSource]="dataSource" matSort class="gl-mat-table">
+    <mat-table [dataSource]="dataSource" matSort matSortActive="id" matSortDirection="desc" class="gl-mat-table">
       <!-- #ID -->
       <ng-container matColumnDef="id">
         <mat-header-cell *matHeaderCellDef mat-sort-header class="gl-th">#</mat-header-cell>

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

@@ -90,7 +90,7 @@ export class SearchJournalEntryComponent implements OnInit, OnDestroy, AfterView
 
   // ── Misc ──────────────────────────────────────────────────────────────────
   minDate = new Date(2000, 0, 1);
-  maxDate = new Date();
+  maxDate: Date = null;
   /** Accounting features switched off for this installation — see disabled-features.ts. */
   disabledFeatures = DISABLED_ACCOUNTING_FEATURES;
 
@@ -208,7 +208,7 @@ export class SearchJournalEntryComponent implements OnInit, OnDestroy, AfterView
   }
 
   ngOnInit() {
-    this.maxDate = this.settingsService.businessDate;
+    this.maxDate = null;
     this.paginator.pageSize = 10;
     this.restoreState();
     this.setFilteredOffices();

src/app/accounts/accounts.service.ts

@@ -74,6 +74,17 @@ export class AccountsService {
     return this.http.get('/fixeddepositaccounts', { params: httpParams });
   }
 
+  /**
+   * FD Dashboard's data source: every ACTIVE FD, id/account/client/product identity, maturity date
+   * and deposit/maturity amounts only. Deliberately a separate, narrow endpoint rather than
+   * getFixedDepositAccounts() above -- that one's backend query joins in six more tables (audit
+   * who-did-what-when, currency, tax group) an unbounded dashboard fetch does not need, over columns
+   * that had no index until this feature added one (see backend migration 0571).
+   */
+  getFixedDepositMaturityDashboard(): Observable<any> {
+    return this.http.get('/fixeddepositaccounts/maturity-dashboard');
+  }
+
   getRecurringDepositAccounts(params: AccountListParams = {}): Observable<any> {
     let httpParams = new HttpParams()
       .set('paged', 'true')

src/app/app.module.ts

@@ -63,6 +63,7 @@ import { CfcfrmsModule } from './cfcfrms/cfcfrms.module';
 import { BankCalendarModule } from './bank-calendar/bank-calendar.module';
 import { DeafModule } from './deaf/deaf.module';
 import { SavingsDailyInterestModule } from './savings-daily-interest/savings-daily-interest.module';
+import { FdDashboardModule } from './fd-dashboard/fd-dashboard.module';
 import { DicgcModule } from './dicgc/dicgc.module';
 import { FiuModule } from './fiu/fiu.module';
 import { GlReportsModule } from './gl-reports/gl-reports.module';
@@ -176,6 +177,7 @@ export function HttpLoaderFactory(http: HttpClient) {
     BankCalendarModule,
     DeafModule,
     SavingsDailyInterestModule,
+    FdDashboardModule,
     DicgcModule,
     FiuModule,
     GlReportsModule,

src/app/board-resolution/bor-report.component.html

@@ -17,7 +17,12 @@
         </p>
       </div>
     </div>
-    <button class="bor-btn bor-btn--xls" type="button" [disabled]="exporting || !filtered.length" (click)="exportExcel()">
+    <button
+      class="bor-btn bor-btn--xls"
+      type="button"
+      [disabled]="exporting || !filtered.length"
+      (click)="exportExcel()"
+    >
       <fa-icon icon="file-excel"></fa-icon>
       {{ exporting ? 'Exporting…' : 'Export' }}
     </button>
@@ -132,7 +137,9 @@
               <td class="num">{{ r.approvedShares | number }}</td>
               <td class="num strong">{{ r.shareValue | number: '1.2-2' }}</td>
               <td class="num">{{ r.trancheCount }}</td>
-              <td><span [class]="statusClass(r.statusEnum)">{{ statusText(r.statusEnum) }}</span></td>
+              <td>
+                <span [class]="statusClass(r.statusEnum)">{{ statusText(r.statusEnum) }}</span>
+              </td>
               <td class="mono">{{ r.activatedDate || '—' }}</td>
             </tr>
           } @empty {

src/app/cashier/account-register/account-register.component.ts

@@ -12,6 +12,7 @@ import { FormsModule } from '@angular/forms';
 import { MatIconModule } from '@angular/material/icon';
 import { catchError, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface RegisterRow {
   accountId: number;
@@ -83,7 +84,7 @@ export class AccountRegisterComponent implements OnInit {
 
   /** Local date — toISOString() would shift the day in any timezone behind UTC. */
   private today(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 

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

@@ -107,11 +107,26 @@
         </span>
       </div>
       @if (canOperate) {
-        <button type="button" class="pg-btn pg-btn--primary" (click)="startClose(openDay)">
+        <button
+          type="button"
+          class="pg-btn pg-btn--primary"
+          (click)="startClose(openDay)"
+          [disabled]="interestPending.length > 0"
+        >
           <mat-icon>lock</mat-icon> Close Day
         </button>
       }
     </div>
+    @if (interestPending.length > 0) {
+      <div class="bd-interest-alert">
+        <mat-icon>warning</mat-icon>
+        <span>
+          Savings interest posting report is not approved for <strong>{{ interestPending.join(', ') }}</strong
+          >. Approve it in <a routerLink="/reports/interest-posting">Reports → Interest Posting Reports</a> before
+          closing the day.
+        </span>
+      </div>
+    }
   } @else if (loaded && canOperate) {
     <div class="bd-current bd-current--shut">
       <div class="bd-current__main">

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

@@ -372,3 +372,30 @@
     color: #d97706;
   }
 }
+
+// Shown under the open day while a savings interest posting report due today is unapproved.
+.bd-interest-alert {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  margin: 8px 0 12px;
+  padding: 10px 14px;
+  border: 1px solid #f59e0b;
+  border-radius: 8px;
+  background: #fef3c7;
+  color: #92400e;
+  font-size: 13px;
+
+  mat-icon {
+    flex-shrink: 0;
+    font-size: 20px;
+    width: 20px;
+    height: 20px;
+  }
+
+  a {
+    color: inherit;
+    font-weight: 600;
+    text-decoration: underline;
+  }
+}

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

@@ -189,6 +189,23 @@ export class BranchDayComponent implements OnInit {
     return this.totalOf(this.closeCounts);
   }
 
+  /**
+   * Savings products whose interest posting report is due today and not yet approved. The close is
+   * refused by the backend while any is pending; this only says so before the user tries.
+   */
+  interestPending: string[] = [];
+
+  private checkInterestReports(): void {
+    if (!this.openDay?.businessDate) {
+      this.interestPending = [];
+      return;
+    }
+    this.service
+      .interestDayCloseCheck(this.openDay.businessDate, this.openDay.officeId)
+      .pipe(catchError(() => of(null)))
+      .subscribe((res) => (this.interestPending = res?.pendingProducts ?? []));
+  }
+
   load(): void {
     this.loading = true;
     this.errorMsg = '';
@@ -210,6 +227,7 @@ export class BranchDayComponent implements OnInit {
         this.canOperate = !!res?.canOperate;
         this.openDate = this.today;
         this.checkFirstOpenCashMigration();
+        this.checkInterestReports();
       });
 
     this.service

src/app/cashier/cash-clearing-transfer-summary/cash-clearing-transfer-summary.component.ts

@@ -11,6 +11,7 @@ import { CommonModule } from '@angular/common';
 import { FormsModule } from '@angular/forms';
 import { AuthenticationService } from '../../core/authentication/authentication.service';
 import { ExportSheetSpec, exportWorkbook } from '../cashier-export';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface SummaryRow {
   code: string;
@@ -1316,7 +1317,7 @@ export class CashClearingTransferSummaryComponent {
   private dateTag = '2607';
 
   constructor() {
-    const d = new Date();
+    const d = businessToday();
     this.asOnDate = `${String(d.getDate()).padStart(2, '0')}-${String(d.getMonth() + 1).padStart(2, '0')}-${d.getFullYear()}`;
     this.dateTag = `${String(d.getFullYear()).slice(-2)}${String(d.getMonth() + 1).padStart(2, '0')}`;
 

src/app/cashier/cash-exchange-entry/cash-exchange-entry.component.ts

@@ -12,6 +12,7 @@ import { FormsModule } from '@angular/forms';
 import { MatIconModule } from '@angular/material/icon';
 import { MatSnackBar, MatSnackBarModule } from '@angular/material/snack-bar';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface Denom {
   id: number;
@@ -63,7 +64,7 @@ export class CashExchangeEntryComponent implements OnInit {
   }
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.exchangeDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service.getActiveDenominations().subscribe({
       next: (list) => {

src/app/cashier/cash-settlement/cash-settlement.component.ts

@@ -18,6 +18,7 @@ import { MatInputModule } from '@angular/material/input';
 import { forkJoin, of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 type PageState = 'loading' | 'no-cashier' | 'needs-reconciliation' | 'already-settled' | 'form';
 
@@ -90,7 +91,7 @@ export class CashSettlementComponent implements OnInit {
   saving = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.settlementDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service
       .getTellers()

src/app/cashier/cash-transfer/cash-transfer.component.ts

@@ -17,6 +17,7 @@ import { MatInputModule } from '@angular/material/input';
 import { of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface Denom {
   id: number;
@@ -82,7 +83,7 @@ export class CashTransferComponent implements OnInit {
   loadingVault = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.transferDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service.getActiveDenominations().subscribe({
       next: (list) => {

src/app/cashier/cashier-position/cashier-position.component.ts

@@ -17,6 +17,7 @@ import { forkJoin, of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
 import { AuthenticationService } from '../../core/authentication/authentication.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface DenomRow {
   denominationId: number;
@@ -71,7 +72,7 @@ export class CashierPositionComponent implements OnInit {
   isCashierMode = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.asOfDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
 
     this.isCashierMode = this.authService.isCashierUser();

src/app/cashier/cashier.service.ts

@@ -205,6 +205,23 @@ export class CashierService {
     return this.http.get('/branchday', { params });
   }
 
+  /**
+   * The savings products whose interest posting report is due for the date and not yet approved —
+   * the backend refuses to close any branch's day while one is pending.
+   */
+  interestDayCloseCheck(
+    date?: string,
+    officeId?: number
+  ): Observable<{ businessDate: string; canClose: boolean; pendingProducts: string[] }> {
+    let params = new HttpParams();
+    if (date) params = params.set('date', date);
+    if (officeId) params = params.set('officeId', String(officeId));
+    return this.http.get<{ businessDate: string; canClose: boolean; pendingProducts: string[] }>(
+      '/savingsinterestpostingreports/day-close-check',
+      { params }
+    );
+  }
+
   /** Days opened and never closed — today's own open day excluded. */
   branchDayMissed(officeId?: number): Observable<any> {
     let params = new HttpParams();

src/app/cashier/closing-cash-report/closing-cash-report.component.ts

@@ -12,6 +12,7 @@ import { FormsModule } from '@angular/forms';
 import { MatIconModule } from '@angular/material/icon';
 import { MatPaginatorModule, PageEvent } from '@angular/material/paginator';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /** Day-wise denomination-wise closing cash collected from deposits. */
 @Component({
@@ -204,7 +205,7 @@ export class ClosingCashReportComponent implements OnInit {
   }
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.date = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.load();
     this.service.getTellers().subscribe({ next: (t: any[]) => (this.tellers = t || []), error: () => {} });

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

@@ -13,6 +13,7 @@ import { MatIconModule } from '@angular/material/icon';
 import { Router } from '@angular/router';
 import { catchError, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /**
  * Which part of the day's work a row came from. Set by the server, one per source register.
@@ -95,7 +96,7 @@ export class DayBookComponent implements OnInit {
 
   /** Local date as yyyy-MM-dd — toISOString() would shift the day in any timezone behind UTC. */
   private today(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 

src/app/cashier/inter-cashier-transfer/inter-cashier-transfer.component.ts

@@ -17,6 +17,7 @@ import { MatInputModule } from '@angular/material/input';
 import { of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface Denom {
   id: number;
@@ -79,7 +80,7 @@ export class InterCashierTransferComponent implements OnInit {
   }
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.transferDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service.getActiveDenominations().subscribe({
       next: (list) => {

src/app/cashier/my-work/my-work.component.ts

@@ -14,6 +14,7 @@ import { MatDialog, MatDialogModule } from '@angular/material/dialog';
 import { catchError, finalize, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
 import { VoucherDetailDialogComponent } from './voucher-detail-dialog.component';
+import { businessToday } from 'app/core/utils/business-today';
 
 /** What the signed-in user's part in a voucher was. */
 export type MyRole = 'RAISED' | 'VERIFIED' | 'RAISED_AND_VERIFIED';
@@ -357,7 +358,7 @@ export class MyWorkComponent implements OnInit {
   }
 
   private todayIso(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 }

src/app/cashier/reconciliation/reconciliation.component.ts

@@ -18,6 +18,7 @@ import { MatTabsModule } from '@angular/material/tabs';
 import { forkJoin, of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface DenomRow {
   denominationId: number;
@@ -85,7 +86,7 @@ export class ReconciliationComponent implements OnInit {
   loadingHistory = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.reconDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.service
       .getTellers()

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

@@ -33,6 +33,7 @@ import {
 import { SponsorDDService } from '../../sponsor-dd/sponsor-dd.service';
 import { OrganizationService } from '../../organization/organization.service';
 import { CashierIssueDdDialogComponent } from './cashier-issue-dd-dialog.component';
+import { businessToday, businessTodayIso } from 'app/core/utils/business-today';
 
 interface TxnRow {
   typ: string;
@@ -621,7 +622,7 @@ export class AccountStatementDialogComponent implements OnInit {
 
   @ViewChild('statementContent') statementContent!: ElementRef;
 
-  today = new Date().toISOString().slice(0, 10);
+  today = businessTodayIso();
   fromDate = '';
   toDate = this.today;
 
@@ -1870,7 +1871,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   saving = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.today = `${String(d.getDate()).padStart(2, '0')}/${String(d.getMonth() + 1).padStart(2, '0')}/${d.getFullYear()}`;
     this.addRow();
     this.loadDenominations();
@@ -2103,7 +2104,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   private loadOpeningPosition(): void {
-    const d = new Date();
+    const d = businessToday();
     const asOfDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.cashierService
       .getCashierPositionForMe(asOfDate)
@@ -2837,7 +2838,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     fundingAccountId: number,
     fundingClientId: number | null
   ): void {
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     const isCurrent = row.acTyp === 'CA' || row.acTyp === 'CB';
     const isGl = row.acTyp === 'GL';
@@ -2969,7 +2970,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     const isCurrent = row.acTyp === 'CA' || row.acTyp === 'CB';
 
@@ -3068,7 +3069,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
 
     const payload = {
@@ -3391,7 +3392,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const requestedDate = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 
     // Full snapshot of the CR (settlement) row exactly as the clerk filled it in — saved verbatim
@@ -3512,7 +3513,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const requestedDate = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 
     // Full snapshot of the CR (settlement) row exactly as the clerk filled it in — saved verbatim
@@ -4173,7 +4174,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   ): void {
     const accountUrl = `${cfg.detail}/${accountId}${cfg.detailParams ?? '?associations=all'}`;
     const todayStr = (() => {
-      const d = new Date();
+      const d = businessToday();
       return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     })();
 
@@ -4549,7 +4550,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   get todayIso(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 
@@ -5071,7 +5072,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       this.sameDayChequeClearing = 0;
       return;
     }
-    const today = new Date();
+    const today = businessToday();
     const sameDay = (d: any) => {
       if (!d) return false;
       const t = Array.isArray(d) && d.length >= 3 ? new Date(d[0], d[1] - 1, d[2]) : new Date(d);
@@ -5959,7 +5960,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const txnDate = `${String(today.getDate()).padStart(2, '0')}/${String(today.getMonth() + 1).padStart(2, '0')}/${today.getFullYear()}`;
 
     const payload: any = {
@@ -6041,7 +6042,12 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
           this.editRequest = req;
         }
 
-        const acTyp = 'SD';
+        // Same bug, same fix as the token-driven withdrawal-slip lookup above (see its comment): the
+        // request carries its own real account_type (SAVINGS, CURRENT, FIXED_DEPOSIT or
+        // RECURRING_DEPOSIT), and hardcoding 'SD' here searched every non-savings account on the
+        // wrong endpoint, so reviewing a Current-account withdrawal always failed with "Account not
+        // found".
+        const acTyp = TransactionEntryComponent.SEARCH_ACCOUNT_TYPE_TO_AC_TYP[req.account_type || ''] || 'SD';
         const row = this.rows[0];
         row.acNo = req.account_no ?? '';
         row.acTyp = acTyp;
@@ -6149,7 +6155,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
   /** Build the withdrawal-request payload from the current row + loaded account. */
   private buildWithdrawalPayload(row: TxnRow, amount: number): any {
-    const today = new Date();
+    const today = businessToday();
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
     const selectedPt = this.paymentTypes.find((p: any) => p.id === row.paymentTypeId);
 
@@ -6254,7 +6260,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
   /** Build the deposit-request payload from the current row + loaded account. */
   private buildDepositPayload(row: TxnRow, amount: number): any {
-    const today = new Date();
+    const today = businessToday();
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
     const selectedPt = this.paymentTypes.find((p: any) => p.id === row.paymentTypeId);
     // Send denominations only for cash payments — stale counts on a cheque
@@ -6365,7 +6371,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const txnDate = `${String(today.getDate()).padStart(2, '0')}/${String(today.getMonth() + 1).padStart(2, '0')}/${today.getFullYear()}`;
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 

src/app/cashier/vault-position/vault-position.component.ts

@@ -16,6 +16,7 @@ import { MatInputModule } from '@angular/material/input';
 import { of } from 'rxjs';
 import { catchError } from 'rxjs/operators';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 interface DenomRow {
   denominationId: number;
@@ -67,7 +68,7 @@ export class VaultPositionComponent implements OnInit {
   errorMsg = '';
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.asOfDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
 
     this.service

src/app/cashier/voucher-report/voucher-report.component.ts

@@ -13,6 +13,7 @@ import { ActivatedRoute } from '@angular/router';
 import { MatIconModule } from '@angular/material/icon';
 import { catchError, of } from 'rxjs';
 import { CashierService } from '../cashier.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /**
  * Which side of the register a screen shows.
@@ -227,7 +228,7 @@ export class VoucherReportComponent implements OnInit {
   }
 
   private todayIso(): string {
-    const now = new Date();
+    const now = businessToday();
     return `${now.getFullYear()}-${String(now.getMonth() + 1).padStart(2, '0')}-${String(now.getDate()).padStart(2, '0')}`;
   }
 

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

@@ -643,8 +643,9 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
           this.createClientForm.get('degreeQualificationId')?.setValue('');
         }
       });
-    // Fetch all constitution options from code ID 17
-    this.clientService.getCodeValuesById(17).subscribe((options) => {
+    // Constitution options by code NAME, never by id: code ids differ per tenant (on abc_bank id 17 is the empty
+    // ClientClassification code and Constitution is id 24), so a hardcoded id left the dropdown empty.
+    this.clientService.getCodeValuesByName('Constitution').subscribe((options) => {
       if (options?.length) {
         this.constitutionOptions = options;
         // Sort master by value length descending so longer/more-specific keys match first

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

@@ -1321,6 +1321,11 @@
           kycForm.get('kycDocumentNumber')?.hasError('pattern') && kycForm.get('kycDocumentNumber')?.touched
         ) {
           <mat-error>Only letters, numbers, hyphens and slashes allowed</mat-error>
+        } @else if (
+          kycForm.get('kycDocumentNumber')?.hasError('aadhaarLast4Mismatch') &&
+          kycForm.get('kycDocumentNumber')?.touched
+        ) {
+          <mat-error>Last 4 digits do not match the Aadhaar number entered above</mat-error>
         }
       </mat-form-field>
 

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

@@ -8,7 +8,14 @@
 
 import { Component, Input, OnInit, OnChanges, OnDestroy, SimpleChanges, inject } from '@angular/core';
 import { forkJoin, catchError, of } from 'rxjs';
-import { UntypedFormBuilder, UntypedFormGroup, Validators, FormsModule } from '@angular/forms';
+import {
+  UntypedFormBuilder,
+  UntypedFormGroup,
+  Validators,
+  FormsModule,
+  AbstractControl,
+  ValidationErrors
+} from '@angular/forms';
 import {
   MatDialog,
   MAT_DIALOG_DATA,
@@ -567,6 +574,28 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
   /** Existing signature document ID (for re-upload/delete) */
   existingSignatureDocId: string = '';
 
+  /**
+   * Cross-field check for the OVD "Document Number" field (kycDocumentNumber): when Aadhaar Card
+   * is the selected KYC document, its value must identify the same Aadhaar as the aadhaarNumber
+   * field captured earlier in this step - the last 4 digits are what's compared, since
+   * aadhaarNumber may hold either the raw 12-digit number or a masked value (masking only ever
+   * obscures the first 8 digits - see aadhaarMasked in the kycData getter below - so the last 4
+   * characters are always the real digits either way). Not applicable to any other document type,
+   * where kycDocumentNumber is unrelated to Aadhaar entirely.
+   */
+  private aadhaarLast4MatchValidator = (control: AbstractControl): ValidationErrors | null => {
+    if (this.selectedKycDoc?.code !== 'AADHAAR') {
+      return null;
+    }
+    const docNumber = (control.value || '').toString().trim();
+    const aadhaarValue = (control.parent?.get('aadhaarNumber')?.value || '').toString().trim();
+    if (docNumber.length < 4 || aadhaarValue.length < 4) {
+      // Required/pattern validators already flag an empty or too-short value on their own.
+      return null;
+    }
+    return docNumber.slice(-4) === aadhaarValue.slice(-4) ? null : { aadhaarLast4Mismatch: true };
+  };
+
   /** KYC Form */
   kycForm: UntypedFormGroup = this.formBuilder.group({
     hasPan: [true],
@@ -616,7 +645,8 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
       [
         Validators.required,
         Validators.pattern(/^[A-Za-z0-9\-\/\s]+$/),
-        Validators.maxLength(30)
+        Validators.maxLength(30),
+        this.aadhaarLast4MatchValidator
       ]
     ],
     kycDocIssueDate: [''],
@@ -739,6 +769,14 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
       this.kycForm.get('ecgcSalFlag')?.disable();
       this.kycForm.get('dormantFlag')?.disable();
     }
+
+    // aadhaarLast4MatchValidator (on kycDocumentNumber) reads this control's value directly rather
+    // than through its own valueChanges, so a re-check has to be triggered explicitly whenever the
+    // Aadhaar field itself changes - otherwise fixing aadhaarNumber after kycDocumentNumber was
+    // already entered would leave a stale mismatch error in place.
+    this.kycForm.get('aadhaarNumber')?.valueChanges.subscribe(() => {
+      this.kycForm.get('kycDocumentNumber')?.updateValueAndValidity({ onlySelf: true });
+    });
   }
 
   /** Seed the document-type picker from defaults (entity RBI docs vs. individual OVDs,
@@ -1009,6 +1047,9 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
     // Reset uploads + merged preview when document type changes
     this.kycDocFiles = { front: null, back: null };
     this.kycDocMergedPreview = null;
+    // aadhaarLast4MatchValidator only applies while Aadhaar Card is selected - re-check so switching
+    // to/away from it immediately picks up (or clears) the mismatch error.
+    this.kycForm.get('kycDocumentNumber')?.updateValueAndValidity({ onlySelf: true });
   }
 
   isKycDocSelected(proof: ProofType): boolean {
@@ -1189,6 +1230,9 @@ export class ClientKycStepComponent implements OnInit, OnChanges, OnDestroy {
           // Sync chip-picker selection with the prefilled document name
           if (data.kycDocumentName) {
             this.selectedKycDoc = this.findKycDocProofByName(data.kycDocumentName);
+            // patchValue above ran kycDocumentNumber's validators before selectedKycDoc was known,
+            // so aadhaarLast4MatchValidator needs a fresh check now that it is.
+            this.kycForm.get('kycDocumentNumber')?.updateValueAndValidity({ onlySelf: true });
           }
           // Set verification statuses from existing data
           if (data.panVerified) {

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

@@ -61,6 +61,7 @@ import { KycTabComponent } from './clients-view/kyc-tab/kyc-tab.component';
 import { CkycTabComponent } from './clients-view/ckyc-tab/ckyc-tab.component';
 import { Form60TabComponent } from './clients-view/form60-tab/form60-tab.component';
 import { Form121TabComponent } from './clients-view/form121-tab/form121-tab.component';
+import { tdsConfigResolver } from '../letter-mgmt/certificates/form-15gh/tds-config.service';
 import { EntityClassificationTabComponent } from './clients-view/entity-classification-tab/entity-classification-tab.component';
 import { AuthorizedSignatoriesTabComponent } from './clients-view/authorized-signatories-tab/authorized-signatories-tab.component';
 import { familyAllowedGuard, nomineeAllowedGuard } from './utils/family-nominee.guard';
@@ -198,6 +199,7 @@ const routes: Routes = [
             {
               path: 'form121',
               component: Form121TabComponent,
+              resolve: { tdsConfig: tdsConfigResolver },
               data: { title: 'Form 121 / TDS', breadcrumb: 'Form 121 / TDS', routeParamBreadcrumb: false }
             },
             {

src/app/clients/clients-view/ckyc-tab/ckyc-tab.component.html

@@ -202,9 +202,14 @@
                 <div>
                   <strong>Already available</strong>
                   <span class="ckyc-existing__source">from {{ existing.ADDRESS_PROOF.source }}</span>
+                  @if (existing.ADDRESS_PROOF.previewUnavailable) {
+                    <span class="ckyc-existing__warn">stored file unavailable</span>
+                  }
                 </div>
               </div>
-              @if (existing.ADDRESS_PROOF.previewUrl || existing.ADDRESS_PROOF.previewUrlBack) {
+              @if (
+                (existing.ADDRESS_PROOF.previewUrl || existing.ADDRESS_PROOF.previewUrlBack) && isImage('ADDRESS_PROOF')
+              ) {
                 <div class="ckyc-existing__thumbs">
                   @if (existing.ADDRESS_PROOF.previewUrl) {
                     <img
@@ -222,6 +227,17 @@
                   }
                 </div>
               }
+              @if (existing.ADDRESS_PROOF.previewUrl) {
+                <button
+                  mat-stroked-button
+                  type="button"
+                  class="ckyc-existing__view"
+                  (click)="openDocument('ADDRESS_PROOF')"
+                >
+                  <fa-icon icon="eye"></fa-icon>
+                  &nbsp;View document
+                </button>
+              }
               <div class="ckyc-existing__meta">
                 <fa-icon icon="file-alt"></fa-icon>
                 <span>{{ existing.ADDRESS_PROOF.name }}</span>
@@ -299,9 +315,12 @@
                 <div>
                   <strong>Already available</strong>
                   <span class="ckyc-existing__source">from {{ existing.PHOTO_PROOF.source }}</span>
+                  @if (existing.PHOTO_PROOF.previewUnavailable) {
+                    <span class="ckyc-existing__warn">stored file unavailable</span>
+                  }
                 </div>
               </div>
-              @if (existing.PHOTO_PROOF.previewUrl || existing.PHOTO_PROOF.previewUrlBack) {
+              @if ((existing.PHOTO_PROOF.previewUrl || existing.PHOTO_PROOF.previewUrlBack) && isImage('PHOTO_PROOF')) {
                 <div class="ckyc-existing__thumbs">
                   @if (existing.PHOTO_PROOF.previewUrl) {
                     <img
@@ -319,6 +338,17 @@
                   }
                 </div>
               }
+              @if (existing.PHOTO_PROOF.previewUrl) {
+                <button
+                  mat-stroked-button
+                  type="button"
+                  class="ckyc-existing__view"
+                  (click)="openDocument('PHOTO_PROOF')"
+                >
+                  <fa-icon icon="eye"></fa-icon>
+                  &nbsp;View document
+                </button>
+              }
               <div class="ckyc-existing__meta">
                 <fa-icon icon="id-card"></fa-icon>
                 <span>{{ existing.PHOTO_PROOF.name }}</span>
@@ -393,11 +423,25 @@
                 <div>
                   <strong>Already available</strong>
                   <span class="ckyc-existing__source">from {{ existing.CLIENT_IMAGE.source }}</span>
+                  @if (existing.CLIENT_IMAGE.previewUnavailable) {
+                    <span class="ckyc-existing__warn">stored file unavailable</span>
+                  }
                 </div>
               </div>
-              @if (existing.CLIENT_IMAGE.previewUrl) {
+              @if (existing.CLIENT_IMAGE.previewUrl && isImage('CLIENT_IMAGE')) {
                 <img [src]="existing.CLIENT_IMAGE.previewUrl" alt="Client photo" class="ckyc-existing__thumb" />
               }
+              @if (existing.CLIENT_IMAGE.previewUrl) {
+                <button
+                  mat-stroked-button
+                  type="button"
+                  class="ckyc-existing__view"
+                  (click)="openDocument('CLIENT_IMAGE')"
+                >
+                  <fa-icon icon="eye"></fa-icon>
+                  &nbsp;View document
+                </button>
+              }
               <button
                 mat-stroked-button
                 type="button"
@@ -448,15 +492,29 @@
                 <div>
                   <strong>Already available</strong>
                   <span class="ckyc-existing__source">from {{ existing.CLIENT_SIGNATURE.source }}</span>
+                  @if (existing.CLIENT_SIGNATURE.previewUnavailable) {
+                    <span class="ckyc-existing__warn">stored file unavailable</span>
+                  }
                 </div>
               </div>
-              @if (existing.CLIENT_SIGNATURE.previewUrl) {
+              @if (existing.CLIENT_SIGNATURE.previewUrl && isImage('CLIENT_SIGNATURE')) {
                 <img
                   [src]="existing.CLIENT_SIGNATURE.previewUrl"
                   alt="Client signature"
                   class="ckyc-existing__thumb ckyc-existing__thumb--wide"
                 />
               }
+              @if (existing.CLIENT_SIGNATURE.previewUrl) {
+                <button
+                  mat-stroked-button
+                  type="button"
+                  class="ckyc-existing__view"
+                  (click)="openDocument('CLIENT_SIGNATURE')"
+                >
+                  <fa-icon icon="eye"></fa-icon>
+                  &nbsp;View document
+                </button>
+              }
               <div class="ckyc-existing__meta">
                 <fa-icon icon="file-signature"></fa-icon>
                 <span>{{ existing.CLIENT_SIGNATURE.name }}</span>

src/app/clients/clients-view/ckyc-tab/ckyc-tab.component.scss

@@ -623,6 +623,35 @@
   }
 }
 
+/* Opens the uploaded artefact full size in a new tab. Sits directly under the thumbnail, and is
+   the only way to inspect a PDF - which cannot render as an inline <img>. */
+.ckyc-existing__view {
+  align-self: flex-start;
+  color: #1d6fd0;
+  border-color: #bcd8f5;
+  background: #fff;
+  font-size: 13px;
+  font-weight: 600;
+
+  &:hover {
+    background: #eef6ff;
+  }
+}
+
+/* Shown when a document row exists but its file could not be fetched from the content store,
+   so "Already available" is not silently misleading. */
+.ckyc-existing__warn {
+  display: inline-block;
+  margin-left: 8px;
+  padding: 1px 8px;
+  border-radius: 10px;
+  background: #fdecec;
+  border: 1px solid #f3c2c2;
+  color: #a12b2b;
+  font-size: 11px;
+  font-weight: 600;
+}
+
 .ckyc-existing {
   display: flex;
   flex-direction: column;

src/app/clients/clients-view/ckyc-tab/ckyc-tab.component.ts

@@ -36,11 +36,41 @@ interface ExistingArtefact {
    *  already writes/reads for address proof; now shared by the photo/identity proof too. */
   description?: string;
   fileCount?: number;
+  /** Set when the stored file could not be fetched - the row exists but its content is gone. */
+  previewUnavailable?: boolean;
+  /** Stored MIME type, so the card knows whether it can render an inline thumbnail. */
+  mimeType?: string;
 }
 
 type ProofKind = 'ADDRESS_PROOF' | 'PHOTO_PROOF';
 type CkycDocKind = ProofKind | 'CLIENT_IMAGE' | 'CLIENT_SIGNATURE';
 
+/**
+ * Client-side upload guards, kept deliberately in step with the backend so a file that passes here
+ * is not rejected server-side:
+ *  - 5 MB matches `spring.servlet.multipart.max-file-size`
+ *  - the extension list is the intersection of the backend `fineract.content.regex-whitelist`
+ *    with what these cards can actually render.
+ * The dialog's `accept=` is only a file-picker hint and is trivially bypassed, so the real check
+ * runs here, on the file the dialog hands back, before anything is sent.
+ */
+const MAX_UPLOAD_BYTES = 5 * 1024 * 1024;
+const IMAGE_EXTENSIONS = [
+  'png',
+  'jpeg',
+  'jpg'
+];
+const DOCUMENT_EXTENSIONS = [
+  ...IMAGE_EXTENSIONS,
+  'pdf'
+];
+
+/** Cards that render an inline <img>, so a PDF would not display in them. */
+const IMAGE_ONLY_KINDS: CkycDocKind[] = [
+  'CLIENT_IMAGE',
+  'CLIENT_SIGNATURE'
+];
+
 @Component({
   selector: 'mifosx-ckyc-tab',
   templateUrl: './ckyc-tab.component.html',
@@ -150,6 +180,11 @@ export class CkycTabComponent implements OnInit, OnDestroy {
   ngOnInit(): void {
     this.route.parent.params.subscribe((params: any) => {
       this.clientId = params['clientId'];
+      // Angular reuses this component when only the clientId in the route changes, and
+      // loadExistingArtefacts() only ever *assigns* what it finds - it has no "not found" branch.
+      // Without clearing first, a client with no photo (or no signature, or no proof) keeps showing
+      // the previous client's card.
+      this.resetArtefactState();
       this.loadClientInfo();
       this.loadAccounts();
       this.loadCkycData();
@@ -157,6 +192,46 @@ export class CkycTabComponent implements OnInit, OnDestroy {
     });
   }
 
+  /**
+   * Returns every per-client card to its empty state, so nothing from the client just viewed can
+   * survive into the next one. Covers all four cards plus the details staged for an upload - a file
+   * or document number left over from another client must never be submitted against this one.
+   */
+  private resetArtefactState(): void {
+    this.revokePreviewUrls();
+    this.existing = {
+      ADDRESS_PROOF: { present: false },
+      PHOTO_PROOF: { present: false },
+      CLIENT_IMAGE: { present: false },
+      CLIENT_SIGNATURE: { present: false }
+    };
+    this.selectedProofType = { ADDRESS_PROOF: null, PHOTO_PROOF: null };
+    this.docFiles = {
+      ADDRESS_PROOF: { front: null, back: null },
+      PHOTO_PROOF: { front: null, back: null }
+    };
+    this.documentDetails = {
+      ADDRESS_PROOF: { documentKey: '', issueDate: null, expiryDate: null },
+      PHOTO_PROOF: { documentKey: '', issueDate: null, expiryDate: null }
+    };
+    this.clientImageFile = null;
+    this.clientSignatureFile = null;
+    this.uploadErrors = {
+      ADDRESS_PROOF: null,
+      PHOTO_PROOF: null,
+      CLIENT_IMAGE: null,
+      CLIENT_SIGNATURE: null
+    };
+  }
+
+  /** Frees the blob URLs held by the current cards before their references are dropped. */
+  private revokePreviewUrls(): void {
+    Object.values(this.existing).forEach((e) => {
+      if (e.previewUrl?.startsWith('blob:')) URL.revokeObjectURL(e.previewUrl);
+      if (e.previewUrlBack?.startsWith('blob:')) URL.revokeObjectURL(e.previewUrlBack);
+    });
+  }
+
   private loadClientInfo(): void {
     this.route.parent.data.subscribe((data: any) => {
       const cv = data?.clientViewData;
@@ -280,19 +355,29 @@ export class CkycTabComponent implements OnInit, OnDestroy {
             present: true,
             source: 'Client registration',
             name: signatureDoc.fileName || 'Client signature',
-            documentId: signatureDoc.id
+            documentId: signatureDoc.id,
+            mimeType: signatureDoc.type
           };
-          // Fetch blob for preview
+          // Same endpoint getClientSignatureImage() uses, but opted out of the global error alert:
+          // a m_document row whose file is no longer in the content store returns 500, and the card
+          // below reports that itself. Without `silent` the interceptor pops an "Internal Server
+          // Error" modal on every page load, for a failure the user cannot act on.
           this.clientsService
-            .getClientSignatureImage(this.clientId, signatureDoc.id)
+            .downloadClientDocument(this.clientId, String(signatureDoc.id), true)
             .pipe(takeUntil(this.destroy$))
             .subscribe({
               next: (blob: any) => {
-                if (blob) {
+                if (blob && blob.size > 0) {
                   this.existing.CLIENT_SIGNATURE.previewUrl = URL.createObjectURL(blob);
+                } else {
+                  // A 200 with an empty body still means there is nothing to show. Without this the
+                  // card would claim "Already available" with no thumbnail and no explanation.
+                  this.existing.CLIENT_SIGNATURE.previewUnavailable = true;
                 }
               },
-              error: () => undefined
+              error: () => {
+                this.existing.CLIENT_SIGNATURE.previewUnavailable = true;
+              }
             });
         }
 
@@ -364,6 +449,7 @@ export class CkycTabComponent implements OnInit, OnDestroy {
         const list = Array.isArray(docs) ? docs : [];
         if (!list.length) return;
         this.existing[kind].fileCount = list.length;
+        this.existing[kind].previewUnavailable = false;
 
         const byNewest = (a: any, b: any) => b.id - a.id;
         const label = (d: any) => (d?.name || d?.fileName || '').toString();
@@ -372,6 +458,9 @@ export class CkycTabComponent implements OnInit, OnDestroy {
           [...list].filter((d: any) => /front/i.test(label(d))).sort(byNewest)[0] ||
           [...list].filter((d: any) => d.id !== back?.id).sort(byNewest)[0];
 
+        // A proof can be scanned to PDF, which no <img> can render - remember what was stored so the
+        // card offers "View document" instead of a broken thumbnail.
+        if (front) this.existing[kind].mimeType = front.type;
         if (front) this.downloadIdentifierDocPreview(identifierId, front.id, kind, 'front');
         if (back && back.id !== front?.id) this.downloadIdentifierDocPreview(identifierId, back.id, kind, 'back');
       });
@@ -388,12 +477,19 @@ export class CkycTabComponent implements OnInit, OnDestroy {
       .pipe(takeUntil(this.destroy$))
       .subscribe({
         next: (blob: any) => {
-          if (!blob) return;
+          if (!blob || blob.size === 0) {
+            this.existing[kind].previewUnavailable = true;
+            return;
+          }
           const url = URL.createObjectURL(blob);
           if (slot === 'front') this.existing[kind].previewUrl = url;
           else this.existing[kind].previewUrlBack = url;
         },
-        error: () => undefined
+        // The row exists but its file is gone from the content store. Saying so on the card beats
+        // showing "Already available" next to a blank space.
+        error: () => {
+          this.existing[kind].previewUnavailable = true;
+        }
       });
   }
 
@@ -452,6 +548,18 @@ export class CkycTabComponent implements OnInit, OnDestroy {
 
     ref.afterClosed().subscribe((result: CkycUploadDialogResult | null) => {
       if (!result) return;
+
+      // The dialog's `accept=` filter is only a hint to the file picker and is trivially bypassed,
+      // so the size/type guard runs here on what actually came back. Catching it now turns a raw
+      // server rejection into a message on the card.
+      const rejection =
+        this.validationError(result.front, kind) ?? (result.back ? this.validationError(result.back, kind) : null);
+      if (rejection) {
+        this.uploadErrors[kind] = rejection;
+        return;
+      }
+      this.uploadErrors[kind] = null;
+
       if (isProofKind) {
         const proofKind = kind as ProofKind;
         this.selectedProofType[proofKind] = result.proofType || null;
@@ -470,6 +578,66 @@ export class CkycTabComponent implements OnInit, OnDestroy {
     });
   }
 
+  /** Extensions a given card can both store and render. */
+  private allowedExtensions(kind: CkycDocKind): string[] {
+    return IMAGE_ONLY_KINDS.includes(kind) ? IMAGE_EXTENSIONS : DOCUMENT_EXTENSIONS;
+  }
+
+  /**
+   * Rejects a file the backend would refuse (or the card could not render) before it is uploaded,
+   * so the user gets a clear message instead of a raw server error. Returns null when the file is
+   * acceptable.
+   */
+  private validationError(file: File | null | undefined, kind: CkycDocKind): string | null {
+    if (!file) {
+      return null;
+    }
+    const allowed = this.allowedExtensions(kind);
+    const extension = (file.name.split('.').pop() || '').toLowerCase();
+
+    if (!allowed.includes(extension)) {
+      return `Unsupported file type ".${extension}". Allowed: ${allowed.map((e) => e.toUpperCase()).join(', ')}.`;
+    }
+    if (file.size > MAX_UPLOAD_BYTES) {
+      const mb = (file.size / (1024 * 1024)).toFixed(1);
+      return `File is ${mb} MB. The maximum allowed size is 5 MB.`;
+    }
+    if (file.size === 0) {
+      return 'The selected file is empty.';
+    }
+    return null;
+  }
+
+  /**
+   * True when the stored file can be shown as an inline thumbnail. A PDF cannot, so its card falls
+   * back to the "View document" button alone rather than rendering a broken image.
+   */
+  isImage(kind: CkycDocKind): boolean {
+    const entry = this.existing[kind];
+    // The profile image arrives as a `data:image/...;base64,` URL, which declares its own type -
+    // it has neither a stored MIME type nor a file extension for the checks below to read.
+    if (entry?.previewUrl?.startsWith('data:')) {
+      return entry.previewUrl.startsWith('data:image/');
+    }
+    if (entry?.mimeType) {
+      return entry.mimeType.startsWith('image/');
+    }
+    // Older rows can have no stored MIME type - fall back to the file extension.
+    const extension = (entry?.name?.split('.').pop() || '').toLowerCase();
+    return IMAGE_EXTENSIONS.includes(extension);
+  }
+
+  /**
+   * Opens the uploaded document full size in a new tab. Uses the blob already fetched for the
+   * thumbnail, so it works for PDFs too and costs no extra request.
+   */
+  openDocument(kind: CkycDocKind): void {
+    const url = this.existing[kind]?.previewUrl;
+    if (url) {
+      window.open(url, '_blank', 'noopener');
+    }
+  }
+
   /** Reads back the "Issue date: yyyy-MM-dd, Expiry date: yyyy-MM-dd" convention this tab (and
    *  client-india-address-step, for address proof) writes into the identifier's description. */
   private parseDescriptionDates(description: string | undefined): { issueDate: Date | null; expiryDate: Date | null } {
@@ -533,6 +701,10 @@ export class CkycTabComponent implements OnInit, OnDestroy {
     request$.pipe(takeUntil(this.destroy$)).subscribe({
       next: () => {
         this.uploading[documentType] = false;
+        // The card is gated on `present`; without this a successful upload left it reading
+        // "Not uploaded yet". uploadProofDocument() sets the same flag for the proof cards.
+        this.existing[key].present = true;
+        this.existing[key].source = this.existing[key].source || 'CKYC upload';
         this.alertService.alert({ type: 'success', message: 'Document uploaded successfully.' });
         this.refreshPreview(documentType);
       },
@@ -653,13 +825,22 @@ export class CkycTabComponent implements OnInit, OnDestroy {
     if (this.existing[staleKey].previewUrlBack?.startsWith('blob:')) {
       URL.revokeObjectURL(this.existing[staleKey].previewUrlBack!);
     }
+    // The upload that triggered this refresh is what repairs a previously missing file, so the
+    // warning has to be cleared before the re-read - otherwise a fixed card keeps the old badge.
+    this.existing[staleKey].previewUrl = undefined;
+    this.existing[staleKey].previewUrlBack = undefined;
+    this.existing[staleKey].previewUnavailable = false;
     switch (documentType) {
       case 'CLIENT_IMAGE':
         this.clientsService
           .getClientProfileImage(this.clientId)
           .pipe(takeUntil(this.destroy$))
           .subscribe((photo: any) => {
-            if (photo) this.existing.CLIENT_IMAGE.previewUrl = photo;
+            if (photo) {
+              this.existing.CLIENT_IMAGE.previewUrl = photo;
+            } else {
+              this.existing.CLIENT_IMAGE.previewUnavailable = true;
+            }
           });
         break;
       case 'CLIENT_SIGNATURE':
@@ -672,11 +853,21 @@ export class CkycTabComponent implements OnInit, OnDestroy {
               ?.sort((a: any, b: any) => b.id - a.id)?.[0];
             if (!doc) return;
             this.existing.CLIENT_SIGNATURE.documentId = doc.id;
+            this.existing.CLIENT_SIGNATURE.mimeType = doc.type;
             this.clientsService
-              .getClientSignatureImage(this.clientId, doc.id)
+              .downloadClientDocument(this.clientId, String(doc.id), true)
               .pipe(takeUntil(this.destroy$))
-              .subscribe((blob: any) => {
-                if (blob) this.existing.CLIENT_SIGNATURE.previewUrl = URL.createObjectURL(blob);
+              .subscribe({
+                next: (blob: any) => {
+                  if (blob && blob.size > 0) {
+                    this.existing.CLIENT_SIGNATURE.previewUrl = URL.createObjectURL(blob);
+                  } else {
+                    this.existing.CLIENT_SIGNATURE.previewUnavailable = true;
+                  }
+                },
+                error: () => {
+                  this.existing.CLIENT_SIGNATURE.previewUnavailable = true;
+                }
               });
           });
         break;
@@ -690,10 +881,6 @@ export class CkycTabComponent implements OnInit, OnDestroy {
   ngOnDestroy(): void {
     this.destroy$.next();
     this.destroy$.complete();
-    // Release object URLs
-    Object.values(this.existing).forEach((e) => {
-      if (e.previewUrl?.startsWith('blob:')) URL.revokeObjectURL(e.previewUrl);
-      if (e.previewUrlBack?.startsWith('blob:')) URL.revokeObjectURL(e.previewUrlBack);
-    });
+    this.revokePreviewUrls();
   }
 }

src/app/clients/clients-view/form121-tab/form121-tab.component.html

@@ -55,7 +55,10 @@
       <div class="f121__note">
         <mat-icon>info_outline</mat-icon>
         <div>
-          @if (!dateOfBirth) {
+          @if (configMissing) {
+            TDS rates for FY {{ fy }} are not configured, so the tax cannot be computed. Set them up under Organization
+            › TDS Configuration.
+          } @else if (!dateOfBirth) {
             Date of birth is not on record, so the senior-citizen threshold cannot be determined. Add it on the Personal
             Data tab.
           } @else {
@@ -113,8 +116,8 @@
         <div class="f121__note f121__note--warn">
           <mat-icon>warning_amber</mat-icon>
           <div>
-            A Form 121 declaration is on record for this year, but withholding is still switched on for one or more
-            deposits. Turn it off on those accounts, or tax will keep being deducted.
+            A declaration is on record for this year, but one or more deposits still carry a tax group. Those accounts
+            deduct on their own and ignore the declaration — remove the tax group from them.
           </div>
         </div>
       }
@@ -189,20 +192,90 @@
               }
             </span>
           </div>
-          @if (declarationOnRecord && declarationFy) {
+          @if (declarationRecord; as d) {
             <div class="f121__kv-row">
               <span>Declared for</span>
-              <span>FY {{ declarationFy }}</span>
+              <span>FY {{ d.fy }} · Form {{ d.formType }}</span>
             </div>
-          }
-          @if (declarationOnRecord && !acceptanceDateKnown) {
-            <div class="f121__kv-row f121__kv-row--muted">
-              <span>Acceptance date</span>
+            <div class="f121__kv-row">
+              <span>Accepted on</span>
               <span>
-                Not captured — the declaration is treated as covering the whole year. A mid-year acceptance would change
-                the figures below.
+                {{ d.acceptedOn | date: 'd MMM y' }} — no TDS on interest credited from this day to 31 March. Interest
+                credited before it is taxed as usual.
               </span>
             </div>
+            @if (d.uin) {
+              <div class="f121__kv-row">
+                <span>UIN</span>
+                <span class="f121__mono">{{ d.uin }}</span>
+              </div>
+            }
+            <div class="f121__kv-row">
+              <span></span>
+              <span>
+                <button type="button" class="f121__btn f121__btn--warn" (click)="revokeDeclaration()">
+                  Withdraw declaration
+                </button>
+              </span>
+            </div>
+          } @else if (fy && !configMissing) {
+            <div class="f121__kv-row">
+              <span></span>
+              <span>
+                @if (!showDeclarationForm) {
+                  <button type="button" class="f121__btn" (click)="openDeclarationForm()" [disabled]="!panWellFormed">
+                    Record {{ formLabel }} for FY {{ fy }}
+                  </button>
+                  @if (!panWellFormed) {
+                    <div class="muted">A valid PAN must be on the KYC first — a declaration without one is void.</div>
+                  }
+                }
+              </span>
+            </div>
+            @if (showDeclarationForm) {
+              <div class="f121__decl-form">
+                <label>
+                  <span>Accepted on *</span>
+                  <input type="date" [(ngModel)]="newDeclaration.acceptedOn" />
+                </label>
+                <label>
+                  <span>UIN</span>
+                  <input type="text" [(ngModel)]="newDeclaration.uin" placeholder="Allotted on acceptance" />
+                </label>
+                <label>
+                  <span>Estimated income for the year (₹)</span>
+                  <input type="number" min="0" [(ngModel)]="newDeclaration.estimatedIncome" />
+                </label>
+                @if (declarationError) {
+                  <div class="f121__note f121__note--warn">
+                    <mat-icon>error_outline</mat-icon>
+                    <div>{{ declarationError }}</div>
+                  </div>
+                }
+                <div class="f121__decl-actions">
+                  <button type="button" class="f121__btn" (click)="showDeclarationForm = false">Cancel</button>
+                  <button
+                    type="button"
+                    class="f121__btn f121__btn--primary"
+                    (click)="saveDeclaration()"
+                    [disabled]="savingDeclaration"
+                  >
+                    {{ savingDeclaration ? 'Saving…' : 'Save declaration' }}
+                  </button>
+                </div>
+              </div>
+            }
+          }
+          @for (old of declarations; track old.id) {
+            @if (old.revoked && old.fy === fy) {
+              <div class="f121__kv-row f121__kv-row--muted">
+                <span>Withdrawn</span>
+                <span>
+                  Form {{ old.formType }} accepted {{ old.acceptedOn | date: 'd MMM y' }}, withdrawn
+                  {{ old.revokedOn | date: 'd MMM y' }} — {{ old.revokeReason }}
+                </span>
+              </div>
+            }
           }
           @if (eligibility) {
             @for (reason of eligibility.reasons; track reason) {

src/app/clients/clients-view/form121-tab/form121-tab.component.scss

@@ -332,3 +332,61 @@
   font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
   font-weight: 600;
 }
+
+/* ── Recording a declaration ── */
+.f121__btn {
+  padding: 6px 14px;
+  border: 1px solid #d1d5db;
+  border-radius: 6px;
+  background: #fff;
+  font: inherit;
+  font-size: 12.5px;
+  font-weight: 600;
+  cursor: pointer;
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: not-allowed;
+  }
+
+  &--primary {
+    border-color: #1d4ed8;
+    background: #1d4ed8;
+    color: #fff;
+  }
+
+  &--warn {
+    border-color: #b45309;
+    color: #b45309;
+  }
+}
+
+.f121__decl-form {
+  display: grid;
+  gap: 10px;
+  padding: 12px 16px;
+
+  label {
+    display: grid;
+    gap: 4px;
+    font-size: 12px;
+
+    span {
+      color: #6b7280;
+      font-weight: 600;
+    }
+
+    input {
+      max-width: 280px;
+      padding: 6px 8px;
+      border: 1px solid #d1d5db;
+      border-radius: 6px;
+      font: inherit;
+    }
+  }
+}
+
+.f121__decl-actions {
+  display: flex;
+  gap: 8px;
+}

src/app/clients/clients-view/form121-tab/form121-tab.component.ts

@@ -23,6 +23,8 @@ import { SavingsService } from 'app/savings/savings.service';
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
 import { RecurringDepositsService } from 'app/deposits/recurring-deposits/recurring-deposits.service';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { TdsDeclarationRecord, TdsReportsService } from 'app/tds-reports/tds-reports.service';
+import { TdsDeductee } from 'app/tds-reports/tds-reports-data';
 
 /** Domain logic */
 import {
@@ -111,6 +113,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   private savingsService = inject(SavingsService);
   private fixedDepositsService = inject(FixedDepositsService);
   private recurringDepositsService = inject(RecurringDepositsService);
+  private tdsService = inject(TdsReportsService);
 
   private destroy$ = new Subject<void>();
 
@@ -124,23 +127,25 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   pan = '';
   panWellFormed = false;
 
-  // ── Declaration on record ──
-  declarationOnRecord = false;
+  // ── Declarations on record ──
+  /**
+   * Every declaration the customer has given, each for one year and from the day the branch
+   * accepted it. The KYC record only ever held a type and a year, which made a September
+   * declaration shield interest back to April and let last year's form run on.
+   */
+  declarations: TdsDeclarationRecord[] = [];
   /**
    * The form actually in force for the selected year. From FY 2026-27 a single
    * Form 121 replaced the 15G/15H split, so this is derived from the year rather
    * than from the payee's age.
    */
   declarationForm: DeclarationForm = '121';
-  /** Kind recorded at KYC, meaningful only for a pre-2026 year. */
-  declarationKind: '15G' | '15H' = '15G';
-  declarationFy = '';
-  /**
-   * The KYC step records only the year, not the date the branch accepted the
-   * declaration, so it has to be treated as covering the whole year. Surfaced on
-   * screen rather than hidden — a mid-year acceptance would change the figures.
-   */
-  acceptanceDateKnown = false;
+
+  // ── Recording a declaration ──
+  showDeclarationForm = false;
+  savingDeclaration = false;
+  declarationError = '';
+  newDeclaration = { acceptedOn: '', uin: '', estimatedIncome: null as number | null };
 
   eligibility: EligibilityResult | null = null;
 
@@ -153,11 +158,13 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   schedule: TdsSchedule | null = null;
   actualTds = 0;
   tdsSaved = 0;
+  /** The selected year has no entry on Organization › TDS Configuration. */
+  configMissing = false;
 
   /** Raw account inputs, kept so the year selector can recompute cheaply. */
-  private accountInputs: (TdsAccountInput & { meta: Form121AccountRow })[] = [];
-  /** Withheld-tax postings by FY, from the ledger. */
-  private actualTdsByFy = new Map<string, number>();
+  private accountInputs: (TdsAccountInput & { meta: Form121AccountRow; taxLines: InterestCredit[] })[] = [];
+  /** This customer's FD/RD interest received in savings, and TDS taken there, per year. */
+  private platformByFy = new Map<string, TdsDeductee | null>();
 
   ngOnInit(): void {
     this.route.parent.params.pipe(takeUntil(this.destroy$)).subscribe((params: any) => {
@@ -180,13 +187,15 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     forkJoin({
       client: this.clientsService.getClientData(this.clientId, true).pipe(catchError(() => of(null))),
       kyc: this.clientsService.getClientKyc(this.clientId, true).pipe(catchError(() => of(null))),
-      accounts: this.clientsService.getClientAccountData(this.clientId).pipe(catchError(() => of(null)))
+      accounts: this.clientsService.getClientAccountData(this.clientId).pipe(catchError(() => of(null))),
+      declarations: this.tdsService.getDeclarations(Number(this.clientId)).pipe(catchError(() => of([])))
     })
       .pipe(
         takeUntil(this.destroy$),
-        switchMap(({ client, kyc, accounts }) => {
+        switchMap(({ client, kyc, accounts, declarations }) => {
           this.applyClient(client);
           this.applyKyc(kyc);
+          this.declarations = declarations || [];
           const deposits = this.depositAccountsOf(accounts);
           return deposits.length ? forkJoin(deposits.map((a) => this.fetchAccount(a))) : of([] as any[]);
         }),
@@ -210,11 +219,8 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   private applyKyc(kyc: any): void {
     this.pan = (kyc?.panNumber ?? '').toUpperCase();
     this.panWellFormed = isWellFormedPan(this.pan);
-    this.declarationOnRecord = !!kyc?.form15Applicable;
-    this.declarationKind = kyc?.form15Type === '15H' ? '15H' : '15G';
-    this.declarationForm = this.fy ? declarationFormFor(this.fy, this.dateOfBirth) : '121';
-    this.declarationFy = kyc?.form15FY ?? '';
-    this.acceptanceDateKnown = false;
+    this.declarationForm =
+      this.fy && FY_TAX_CONFIG[normaliseFy(this.fy)] ? declarationFormFor(this.fy, this.dateOfBirth) : '121';
   }
 
   /** Savings, FD and RD accounts — everything that can credit interest. */
@@ -248,7 +254,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
    */
   private ingest(details: any[]): void {
     this.accountInputs = [];
-    this.actualTdsByFy = new Map<string, number>();
+    this.platformByFy = new Map<string, TdsDeductee | null>();
     const fys = new Set<string>();
     const clientIdNum = Number(this.clientId);
 
@@ -269,6 +275,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
       };
 
       const credits: InterestCredit[] = [];
+      const taxLines: InterestCredit[] = [];
       let tdsDeducted = 0;
 
       for (const t of d.transactions ?? []) {
@@ -286,8 +293,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
         } else if (t.transactionType?.withholdTax) {
           const amount = t.amount ?? 0;
           tdsDeducted += amount;
-          const txnFy = fyOf(iso);
-          this.actualTdsByFy.set(txnFy, (this.actualTdsByFy.get(txnFy) ?? 0) + amount);
+          taxLines.push({ date: iso, amount, accountNo: ref.accountNo });
         }
       }
 
@@ -310,12 +316,13 @@ export class Form121TabComponent implements OnInit, OnDestroy {
         deducteeClientId: deductee
       };
 
-      this.accountInputs.push({ ...ref, credits, meta });
+      this.accountInputs.push({ ...ref, credits, taxLines, meta });
     }
 
     this.availableFys = [...fys].sort().reverse();
     if (!this.availableFys.includes(this.fy)) {
-      this.fy = this.availableFys[0] ?? (this.declarationFy ? normaliseFy(this.declarationFy) : '');
+      this.fy =
+        this.availableFys[0] ?? this.declarations[0]?.fy ?? Object.keys(FY_TAX_CONFIG).sort().reverse()[0] ?? '';
     }
   }
 
@@ -333,14 +340,37 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     }
 
     const year = normaliseFy(this.fy);
+    this.configMissing = !FY_TAX_CONFIG[year];
+
+    // TDS is tracked on FD/RD interest once it reaches savings, and deducted there. Those figures live
+    // on the platform, not in the deposit's own transactions, so they are fetched once per year and
+    // the computation waits for them.
+    if (!this.platformByFy.has(year)) {
+      this.loadPlatformYear(year);
+      return;
+    }
+    const platform = this.platformByFy.get(year);
+    for (const a of this.accountInputs) {
+      if (!a.meta.tdsApplicable) {
+        continue;
+      }
+      const match = platform?.accounts.find((p) => p.accountNo === a.accountNo);
+      a.credits = match?.credits ?? [];
+      a.taxLines = match?.deductions ?? [];
+    }
 
     // Per-account interest for the selected year, for the three lists.
     for (const a of this.accountInputs) {
       a.meta.interest = a.credits.filter((c) => fyOf(c.date) === year).reduce((s, c) => s + c.amount, 0);
+      // The selected year only - this used to total every year the account had ever been taxed in.
+      a.meta.tdsDeducted = a.meta.tdsApplicable
+        ? a.taxLines.filter((c) => fyOf(c.date) === year).reduce((s, c) => s + c.amount, 0)
+        : 0;
     }
-    this.actualTds = this.actualTdsByFy.get(year) ?? 0;
+    // What was actually debited for this customer as deductee, wherever the savings account sits.
+    this.actualTds = this.accountInputs.filter((a) => a.meta.tdsApplicable).reduce((s, a) => s + a.meta.tdsDeducted, 0);
 
-    if (!this.dateOfBirth) {
+    if (!this.dateOfBirth || this.configMissing) {
       return;
     }
 
@@ -378,21 +408,95 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     return applicable.some((a) => a.meta.mode === 'QUARTERLY') ? 'QUARTERLY' : 'ANNUAL';
   }
 
-  /** The declaration, but only when it was filed for the year being shown. */
-  private declarationForSelectedFy(): Declaration | null {
-    if (!this.declarationOnRecord || !this.fy) {
+  private loadPlatformYear(year: string): void {
+    this.tdsService
+      .getDepositInterest(Number(year.slice(0, 4)), Number(this.clientId))
+      .pipe(
+        catchError(() => of([])),
+        takeUntil(this.destroy$)
+      )
+      .subscribe((rows) => {
+        this.platformByFy.set(year, rows.find((r) => `${r.clientId}` === `${this.clientId}`) ?? null);
+        this.recompute();
+      });
+  }
+
+  /** The live declaration recorded for the year being shown, if any. */
+  get declarationRecord(): TdsDeclarationRecord | null {
+    if (!this.fy) {
       return null;
     }
     const year = normaliseFy(this.fy);
-    if (this.declarationFy && normaliseFy(this.declarationFy) !== year) {
+    return this.declarations.find((d) => d.fy === year && !d.revoked) ?? null;
+  }
+
+  get declarationOnRecord(): boolean {
+    return !!this.declarationRecord;
+  }
+
+  /** The declaration as the engine takes it — operative from the day it was accepted. */
+  private declarationForSelectedFy(): Declaration | null {
+    const d = this.declarationRecord;
+    if (!d) {
       return null;
     }
-    return {
-      kind: this.declarationKind,
-      // No acceptance date on record — treated as covering the whole year.
-      acceptedOn: `${year.slice(0, 4)}-04-01`,
-      fy: year
-    };
+    const kind = d.formType === '15H' ? '15H' : d.formType === '15G' ? '15G' : formKindFor(this.dateOfBirth, d.fy);
+    return { kind, acceptedOn: d.acceptedOn, fy: d.fy, uin: d.uin || undefined };
+  }
+
+  openDeclarationForm(): void {
+    this.newDeclaration = { acceptedOn: new Date().toISOString().slice(0, 10), uin: '', estimatedIncome: null };
+    this.declarationError = '';
+    this.showDeclarationForm = true;
+  }
+
+  saveDeclaration(): void {
+    if (!this.newDeclaration.acceptedOn) {
+      this.declarationError = 'Enter the date the branch accepted the form.';
+      return;
+    }
+    this.savingDeclaration = true;
+    this.declarationError = '';
+    this.tdsService
+      .createDeclaration({
+        clientId: Number(this.clientId),
+        fy: normaliseFy(this.fy),
+        formType: declarationFormFor(this.fy, this.dateOfBirth),
+        acceptedOn: this.newDeclaration.acceptedOn,
+        uin: this.newDeclaration.uin || undefined,
+        estimatedIncome: this.newDeclaration.estimatedIncome
+      })
+      .subscribe({
+        next: (rows) => {
+          this.savingDeclaration = false;
+          this.showDeclarationForm = false;
+          this.declarations = rows || [];
+          this.recompute();
+        },
+        error: (err: any) => {
+          this.savingDeclaration = false;
+          this.declarationError =
+            err?.error?.errors?.[0]?.defaultUserMessage || err?.error?.defaultUserMessage || 'Could not save.';
+        }
+      });
+  }
+
+  revokeDeclaration(): void {
+    const d = this.declarationRecord;
+    if (!d) {
+      return;
+    }
+    const reason = prompt('Why is this declaration being withdrawn? From today, TDS will be deducted again.');
+    if (!reason) {
+      return;
+    }
+    this.tdsService.revokeDeclaration(d.id, reason).subscribe({
+      next: (rows) => {
+        this.declarations = rows || [];
+        this.recompute();
+      },
+      error: (err: any) => alert(err?.error?.defaultUserMessage || 'Could not revoke the declaration.')
+    });
   }
 
   // ───────────────────────── Template helpers ─────────────────────────
@@ -411,7 +515,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
 
   /** The form the payee would file for the selected year. */
   get formLabel(): string {
-    if (!this.fy) {
+    if (!this.fy || this.configMissing) {
       return '—';
     }
     const form = declarationFormFor(this.fy, this.dateOfBirth);
@@ -470,11 +574,12 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   }
 
   /**
-   * A declaration is on record but deposit accounts are still set to withhold —
-   * the branch has not switched them off.
+   * A declaration is on record but a deposit still carries a stock Fineract tax group. Those
+   * accounts withhold on their own rules and never consult the declaration record, so the form
+   * does not stop their deduction until the tax group is removed.
    */
   get declarationNotAppliedToAccounts(): boolean {
-    return !!this.declarationForSelectedFy() && this.liableAccounts.some((a) => a.withHoldTax);
+    return !!this.declarationForSelectedFy() && this.liableAccounts.some((a) => !!a.taxGroup);
   }
 
   /**

src/app/clients/clients-view/kyc-tab/kyc-tab.component.html

@@ -1247,9 +1247,7 @@
                     </div>
 
                     @if (!docScansLoading && !docScans.front && !docScans.back) {
-                      <div class="kyc-doc-scans__empty">
-                        No scan is on file for this document. Upload one below.
-                      </div>
+                      <div class="kyc-doc-scans__empty">No scan is on file for this document. Upload one below.</div>
                     }
 
                     <div class="kyc-doc-scans__sides">

src/app/clients/clients-view/kyc-tab/kyc-tab.component.ts

@@ -182,7 +182,10 @@ export class KycTabComponent implements OnInit, OnDestroy {
   docScans: { front: DocScanSide | null; back: DocScanSide | null } = { front: null, back: null };
 
   /** The two sides, in display order, so the template loops rather than repeating itself. */
-  readonly docScanSlots: ('front' | 'back')[] = ['front', 'back'];
+  readonly docScanSlots: ('front' | 'back')[] = [
+    'front',
+    'back'
+  ];
 
   docScanOf(slot: 'front' | 'back') {
     return this.docScans[slot];
@@ -474,7 +477,8 @@ export class KycTabComponent implements OnInit, OnDestroy {
       adverseMediaMatch: !!v.adverseMediaMatch,
       // Blank stays null rather than becoming zero: an income nobody asked for is unknown, and a zero would read as a
       // customer who declared no income at all.
-      declaredAnnualIncome: v.declaredAnnualIncome === '' || v.declaredAnnualIncome == null ? null : v.declaredAnnualIncome,
+      declaredAnnualIncome:
+        v.declaredAnnualIncome === '' || v.declaredAnnualIncome == null ? null : v.declaredAnnualIncome,
       declaredAnnualTurnover:
         v.declaredAnnualTurnover === '' || v.declaredAnnualTurnover == null ? null : v.declaredAnnualTurnover
     };
@@ -1455,7 +1459,10 @@ I further confirm that:
       this.docScansLoading = false;
       // This runs again after every replace, so the previews being thrown away are revoked
       // rather than left holding their blobs.
-      for (const old of [this.docScans.front, this.docScans.back]) {
+      for (const old of [
+        this.docScans.front,
+        this.docScans.back
+      ]) {
         if (old?.previewUrl) {
           URL.revokeObjectURL(old.previewUrl);
         }
@@ -1497,7 +1504,10 @@ I further confirm that:
       }
 
       this.docScans = sides;
-      for (const key of ['front', 'back'] as const) {
+      for (const key of [
+        'front',
+        'back'
+      ] as const) {
         if (sides[key]) {
           this.loadScanPreview(sides[key]!);
         }
@@ -1558,7 +1568,9 @@ I further confirm that:
       error: (err: any) => {
         this.docScanUploading = null;
         this.docScanError =
-          err?.error?.defaultUserMessage || err?.error?.developerMessage || `Could not replace the ${label.toLowerCase()} side.`;
+          err?.error?.defaultUserMessage ||
+          err?.error?.developerMessage ||
+          `Could not replace the ${label.toLowerCase()} side.`;
       }
     });
   }
@@ -1741,7 +1753,10 @@ I further confirm that:
     this.destroy$.next();
     this.destroy$.complete();
     // Object URLs are held by the browser until revoked, so the scan blobs would outlive the tab.
-    for (const side of [this.docScans.front, this.docScans.back]) {
+    for (const side of [
+      this.docScans.front,
+      this.docScans.back
+    ]) {
       if (side?.previewUrl) {
         URL.revokeObjectURL(side.previewUrl);
       }

src/app/clients/clients.service.ts

@@ -569,8 +569,19 @@ export class ClientsService {
     return this.http.get(`/clients/${clientId}/documents`);
   }
 
-  downloadClientDocument(parentEntityId: string, documentId: string) {
-    return this.http.get(`/clients/${parentEntityId}/documents/${documentId}/attachment`, { responseType: 'blob' });
+  /**
+   * Fetches a client document's stored file.
+   *
+   * `silent` opts the request out of ErrorHandlerInterceptor's alert. Pass it when the caller
+   * renders its own failure state - notably thumbnail fetches, where a `m_document` row whose file
+   * is no longer in the content store returns 500 and would otherwise pop a modal the user can do
+   * nothing about. The interceptor still rethrows, so the caller's error callback continues to run.
+   */
+  downloadClientDocument(parentEntityId: string, documentId: string, silent = false) {
+    return this.http.get(`/clients/${parentEntityId}/documents/${documentId}/attachment`, {
+      responseType: 'blob',
+      ...(silent ? { context: new HttpContext().set(SILENT_HTTP_ERROR, true) } : {})
+    });
   }
 
   uploadClientDocument(clientId: string, documentData: any) {
@@ -992,12 +1003,28 @@ export class ClientsService {
     return this.http.post(`/clients/${clientId}/entityclassification/${category}`, data);
   }
 
-  getClientCkyc(clientId: string): Observable<any> {
-    return this.http.get(`/clients/${clientId}/ckyc`);
+  /**
+   * Uploads a single CKYC artefact against the client, using the platform's generic document
+   * endpoint (DocumentApiResource, POST /v1/{entityType}/{entityId}/documents). There is no
+   * CKYC-specific document API on the backend - the earlier `/clients/{id}/ckyc/documents` path
+   * was never implemented and returned 404.
+   *
+   * The multipart body must carry `file`, `name` and `description`; the caller builds those so the
+   * stored document stays identifiable by CKYC artefact type. See ckyc-tab.component.ts.
+   */
+  uploadCkycDocument(clientId: string, formData: FormData): Observable<any> {
+    return this.http.post(`/clients/${clientId}/documents`, formData);
   }
 
-  uploadCkycDocument(clientId: string, formData: FormData): Observable<any> {
-    return this.http.post(`/clients/${clientId}/ckyc/documents`, formData);
+  /**
+   * Replaces the content of an existing client document in place (DocumentApiResource PUT
+   * /v1/{entityType}/{entityId}/documents/{documentId}), keeping the same document id.
+   *
+   * Used by the CKYC screen's "Upload new version" so a re-upload updates the existing artefact
+   * rather than adding another row. Takes the same multipart body as the create call.
+   */
+  replaceClientDocument(clientId: string, documentId: string, formData: FormData): Observable<any> {
+    return this.http.put(`/clients/${clientId}/documents/${documentId}`, formData);
   }
 
   /**

src/app/clients/shared/kyc-document-update-dialog/kyc-document-update-dialog.component.html

@@ -109,13 +109,7 @@
               </button>
             }
           </div>
-          <input
-            #sideInput
-            type="file"
-            hidden
-            accept="image/*,application/pdf"
-            (change)="onFilePicked($event, slot)"
-          />
+          <input #sideInput type="file" hidden accept="image/*,application/pdf" (change)="onFilePicked($event, slot)" />
         </div>
       }
     </div>

src/app/core/http/cache.interceptor.ts

@@ -25,6 +25,36 @@ import { environment } from '../../../environments/environment';
 export class CacheInterceptor implements HttpInterceptor {
   private forceUpdate = false;
 
+  /**
+   * Endpoints that compute a live figure from the current ledger/configuration and must never be
+   * served from cache. Caching them meant a report kept showing a stale response after its
+   * underlying GL mapping changed — the request was answered from cachedData and the backend was
+   * never hit again. Matched as a substring of the request URL.
+   */
+  private static readonly NEVER_CACHE = [
+    '/rbireservereturn',
+    '/rbireserveconfig',
+    '/tdsconfig',
+    '/tds/deposit-interest',
+    // Declarations and challans are entered on the very screens that read them back.
+    '/tds/declarations',
+    '/tds/challans',
+    '/tds/deducted',
+    '/savingsinterestpostingreports',
+    // Cash in vaults and drawers changes with every transaction; a cached teller list or position
+    // kept showing a branch's old tellers and figures at day close.
+    '/tellers',
+    '/cashreports',
+    '/cashreconciliation',
+    '/cashsettlement',
+    '/cashtransfer',
+    '/branchday'
+  ];
+
+  private isCacheable(url: string): boolean {
+    return !CacheInterceptor.NEVER_CACHE.some((fragment) => url.includes(fragment));
+  }
+
   // eslint-disable-next-line @angular-eslint/prefer-inject
   constructor(private httpCacheService: HttpCacheService) {}
 
@@ -42,7 +72,7 @@ export class CacheInterceptor implements HttpInterceptor {
   }
 
   intercept(request: HttpRequest<any>, next: HttpHandler): Observable<HttpEvent<any>> {
-    if (request.method !== 'GET') {
+    if (request.method !== 'GET' || !this.isCacheable(request.urlWithParams)) {
       return next.handle(request);
     }
 

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

@@ -65,6 +65,14 @@
           <span class="cashier-nav__esc-hint" (click)="onEscapeKey()"> <kbd>ESC</kbd> Show Header </span>
         </nav>
       }
+      <!-- FD Dashboard fullscreen — ESC hint bar -->
+      @else if (currentUrl.includes('/fd-dashboard')) {
+        <nav class="cashier-nav cashier-nav--election">
+          <span class="cashier-nav__esc-hint" (click)="onEscapeKey()">
+            <kbd>ESC</kbd> Exit Fullscreen (Show Header &amp; Footer)
+          </span>
+        </nav>
+      }
       <!-- Clerk Dashboard fullscreen nav — only visible at /clerk/* -->
       @else if (currentUrl.includes('/clerk/')) {
         <nav class="cashier-nav cashier-nav--clerk">
@@ -655,6 +663,12 @@
       <button mat-menu-item routerLink="/reports/savings-interest" tabindex="0">
         <i class="fa fa-percentage menu-item-icon"></i> Savings Interest Posted
       </button>
+      <button mat-menu-item routerLink="/reports/interest-posting" tabindex="0">
+        <i class="fa fa-clipboard-check menu-item-icon"></i> Interest Posting Reports
+      </button>
+      <button mat-menu-item routerLink="/reports/interest-posting-summary" tabindex="0">
+        <i class="fa fa-table menu-item-icon"></i> Interest Posting Summary (Branch-wise)
+      </button>
       <!--
         The Principal Officer clears flagged UNSC screenings here. It is not a runnable report,
         so it never shows up under the report categories above and had no nav entry at all.
@@ -1203,8 +1217,8 @@
           <button mat-menu-item tabindex="0">
             <fa-icon icon="clock" class="menu-item-icon"></fa-icon> Account Expiry
           </button>
-          <button mat-menu-item tabindex="0">
-            <fa-icon icon="file-alt" class="menu-item-icon"></fa-icon> FD Maturity Report
+          <button mat-menu-item tabindex="0" [routerLink]="['/fd-dashboard']">
+            <fa-icon icon="calendar-check" class="menu-item-icon"></fa-icon> FD Dashboard
           </button>
           <button mat-menu-item tabindex="0">
             <fa-icon icon="chart-line" class="menu-item-icon"></fa-icon> FD Interest Report
@@ -2063,6 +2077,35 @@
               <fa-icon icon="users" class="gl-icon" style="color: #4f46e5"></fa-icon> Members &amp; Share Capital
             </a>
           </div>
+          <!-- Reserve Returns — CRR and SLR, computed live from the ledger. Grouped apart from the
+               OSS returns because they are filed on their own cycles: Form 1 twice a month, Form 9
+               at month end. -->
+          <div class="gl-group">
+            <div class="gl-group-title">Reserve Returns</div>
+            <!-- The statutory form is a tab on Form 1 rather than an entry of its own: two menu
+                 items for one return had a filer guessing which one they were looking at. -->
+            <a
+              class="gl-link"
+              [class.hidden]="!matchesRbiSearch('Form 1 CRR Cash Reserve Ratio')"
+              routerLink="/rbi/form1"
+              (click)="rbiMenuOpen = false"
+            >
+              <fa-icon icon="percentage" class="gl-icon" style="color: #b45309"></fa-icon> Form 1 — CRR (fortnightly)
+            </a>
+            <!-- Form 9 (SLR) has no entry of its own. Section 24 is settled on the statutory Form 1,
+                 at Part C, on the same liabilities Part B charges the cash reserve on — so the SLR
+                 position is read there rather than on a second screen that computed it from a
+                 differently drawn base and disagreed. -->
+            <a
+              class="gl-link"
+              [class.hidden]="!matchesRbiSearch('Form IX R408 Return on Assets and Liabilities balance sheet')"
+              routerLink="/rbi/form9-return"
+              (click)="rbiMenuOpen = false"
+            >
+              <fa-icon icon="percentage" class="gl-icon" style="color: #b45309"></fa-icon> Form IX — Assets &amp;
+              Liabilities (R408)
+            </a>
+          </div>
           <!-- CIMS / XBRL Returns -->
           <div class="gl-group">
             <div class="gl-group-title">CIMS / XBRL Returns</div>

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

@@ -167,7 +167,9 @@ export class ShellComponent implements OnInit, OnDestroy {
         url.includes('/clerk/withdrawal-request') ||
         url.includes('/clerk/my-disbursement-requests');
       const isElectionRoute = url.includes('/election');
-      this.hideShellLayout = isCashierOnly || isClerkRoute || isElectionRoute || this.isWithdrawalReviewUrl;
+      const isFdDashboardRoute = url.includes('/fd-dashboard');
+      this.hideShellLayout =
+        isCashierOnly || isClerkRoute || isElectionRoute || isFdDashboardRoute || this.isWithdrawalReviewUrl;
       this.cdr.detectChanges();
     };
     this.routeSub = this.router.events.pipe(filter((e) => e instanceof NavigationEnd)).subscribe(() => checkLayout());
@@ -180,10 +182,7 @@ export class ShellComponent implements OnInit, OnDestroy {
     });
   }
 
-  /**
-   * Toggles the current collapsed state of sidenav according to the emitted event.
-   * @param {boolean} event denotes state of sidenav
-   */
+  /** Toggles the current collapsed state of sidenav according to the emitted event. */
   toggleCollapse($event: boolean) {
     this.sidenavCollapsed = $event;
     this.cdr.detectChanges();
@@ -204,12 +203,15 @@ export class ShellComponent implements OnInit, OnDestroy {
     return /\/checker-inbox-and-tasks\/(share-)?withdrawal-requests\/\d+\/review/.test(this.router.url);
   }
 
-  /** ESC key — exit fullscreen at Clerk Dashboard / Election / review screen, restoring full shell header. */
+  /** ESC key — exit fullscreen at Clerk Dashboard / Election / FD Dashboard / review screen, restoring full shell header. */
   @HostListener('document:keydown.escape')
   onEscapeKey(): void {
     if (
       this.hideShellLayout &&
-      (this.router.url.includes('/clerk/') || this.router.url.includes('/election') || this.isWithdrawalReviewUrl)
+      (this.router.url.includes('/clerk/') ||
+        this.router.url.includes('/election') ||
+        this.router.url.includes('/fd-dashboard') ||
+        this.isWithdrawalReviewUrl)
     ) {
       this.hideShellLayout = false;
       this.cdr.detectChanges();

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

@@ -20,7 +20,9 @@
       <div class="t-live"></div>
       &nbsp;LIVE
     </div>
-    <div class="t-chip">Branch:&nbsp;<strong>HO</strong></div>
+    <div class="t-chip">
+      Branch:&nbsp;<strong>{{ officeLabel }}</strong>
+    </div>
     <div class="t-chip">
       Date:&nbsp;<strong>{{ today | date: 'dd MMM yyyy' }}</strong>
     </div>

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

@@ -49,6 +49,7 @@ import { MatIcon } from '@angular/material/icon';
 import { NotificationsTrayComponent as NotificationsTrayComponent_1 } from '../../../shared/notifications-tray/notifications-tray.component';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import { DocumentationLinksService } from 'app/shared/services/documentation-links.service';
+import { businessToday } from 'app/core/utils/business-today';
 
 /**
  * Toolbar component.
@@ -92,6 +93,14 @@ export class ToolbarComponent implements OnInit, AfterViewInit, AfterContentChec
   @ViewChild('templateAppMenu') templateAppMenu: TemplateRef<any>;
   @ViewChild('notificationsTray') notificationsTray: NotificationsTrayComponent;
 
+  /** The signed-in user's office — this chip read "HO" for every login, branch staff included. */
+  get officeLabel(): string {
+    if (this.authenticationService.isHeadOfficeUser()) {
+      return 'HO';
+    }
+    return this.authenticationService.getCredentials()?.officeName || '—';
+  }
+
   /** Subscription to breakpoint observer for handset. */
   isHandset$: Observable<boolean> = this.breakpointObserver
     .observe(Breakpoints.Handset)
@@ -100,8 +109,10 @@ export class ToolbarComponent implements OnInit, AfterViewInit, AfterContentChec
   /** Sets the initial state of sidenav as collapsed. Not collapsed if false. */
   sidenavCollapsed = true;
 
-  /** Current date for top bar display */
-  today = new Date();
+  /** The bank's "today" for the top bar — the business date when enabled, else the server date. */
+  get today(): Date {
+    return businessToday();
+  }
 
   /** Last login time display */
   lastLoginTime = this.formatLastLogin();

src/app/core/utils/business-today.ts

@@ -0,0 +1,30 @@
+/**
+ * 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/.
+ */
+
+/**
+ * The bank's "today": the business date while `enable-business-date` is on, the server's own date
+ * while it is off. The server decides which (GET /branchday/today); the web app stores the answer
+ * in `mifosXServerDate` at login and whenever the business date changes. Before that has happened
+ * the browser clock is the only date there is, so it is the fallback.
+ */
+export function businessToday(): Date {
+  const stored = localStorage.getItem('mifosXServerDate');
+  const match = stored ? /^(\d{4})-(\d{2})-(\d{2})$/.exec(stored) : null;
+  if (!match) {
+    return new Date();
+  }
+  // Built from parts so it is local midnight — new Date('yyyy-MM-dd') would be UTC midnight and
+  // land on the previous day in any timezone behind UTC.
+  return new Date(Number(match[1]), Number(match[2]) - 1, Number(match[3]));
+}
+
+/** {@link businessToday} as yyyy-MM-dd. */
+export function businessTodayIso(): string {
+  const d = businessToday();
+  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
+}

src/app/current-accounts/current-account-view/current-account-view.component.html

@@ -8,7 +8,10 @@
 
 <div class="cur-view">
   <!-- ─── Dormancy risk alert (only when subStatus has left Active) ──── -->
+  <!-- Shown only when the account's product has Dormancy Alert = Yes -->
+  @if (currentAccountData?.dormancyAlert) {
     <mifosx-dormancy-alert-panel [accountData]="currentAccountData"></mifosx-dormancy-alert-panel>
+  }
 
   <!-- ─── Gradient hero header ─────────────────────────────────────── -->
   <header class="cur-hero">

src/app/current-accounts/current-account-view/general-tab/general-tab.component.html

@@ -59,16 +59,7 @@
                 <span class="nx-mono">[{{ currentAccountData.currency.code }}]</span>
               </span>
             </div>
-            <div class="nx-row">
-              <span class="nx-row__label">{{ 'labels.inputs.Nominal Interest Rate' | translate }}</span>
-              <span class="nx-row__value nx-row__value--amount">
-                @if (currentAccountData.nominalAnnualInterestRate) {
-                  {{ currentAccountData.nominalAnnualInterestRate | formatNumber }} %
-                } @else {
-                  0 %
-                }
-              </span>
-            </div>
+            <!-- A current account earns no interest, so no interest rate is shown here; OD interest is under Overdraft. -->
           } @else {
             <div class="nx-row">
               <span class="nx-row__label">{{ 'labels.inputs.Field Officer' | translate }}</span>
@@ -102,17 +93,17 @@
                 </span>
               </div>
             }
-            @if (currentAccountData.summary.totalInterestEarned >= 0) {
+            @if (currentAccountData.summary.totalWithdrawals) {
               <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Total Interest Earned' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
+                <span class="nx-row__label">{{ 'labels.inputs.Total Withdrawls' | translate }}</span>
+                <span class="nx-row__value nx-row__value--amount nx-row__value--negative">
                   {{
-                    currentAccountData.summary.totalInterestEarned | currency: currency.code : 'symbol-narrow' : '1.2-2'
+                    currentAccountData.summary.totalWithdrawals | currency: currency.code : 'symbol-narrow' : '1.2-2'
                   }}
                 </span>
               </div>
             }
-            @if (!currentAccountData.summary.totalDeposits && !(currentAccountData.summary.totalInterestEarned >= 0)) {
+            @if (!currentAccountData.summary.totalDeposits && !currentAccountData.summary.totalWithdrawals) {
               <div class="nx-empty">
                 <fa-icon icon="inbox" class="nx-empty__ico"></fa-icon>
                 <span>No activity yet.</span>
@@ -132,16 +123,7 @@
             <h3 class="nx-card__title">{{ 'labels.heading.Account Summary' | translate }}</h3>
           </header>
           <div class="nx-card__body">
-            @if (currentAccountData.summary.totalWithdrawals) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Total Withdrawls' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount nx-row__value--negative">
-                  {{
-                    currentAccountData.summary.totalWithdrawals | currency: currency.code : 'symbol-narrow' : '1.2-2'
-                  }}
-                </span>
-              </div>
-            }
+            <!-- A current account earns no interest: no interest earned/posted rows. OD interest has its own card. -->
             @if (currentAccountData.summary.totalWithdrawalFees) {
               <div class="nx-row">
                 <span class="nx-row__label">{{ 'labels.inputs.Withdrawals Fees' | translate }}</span>
@@ -160,89 +142,6 @@
                 </span>
               </div>
             }
-            @if (currentAccountData.summary.totalInterestEarned >= 0) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Interest Earned' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
-                  {{
-                    currentAccountData.summary.totalInterestEarned | currency: currency.code : 'symbol-narrow' : '1.2-2'
-                  }}
-                </span>
-              </div>
-            }
-            @if (currentAccountData.summary.totalInterestPosted) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Interest Posted' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
-                  {{
-                    currentAccountData.summary.totalInterestPosted | currency: currency.code : 'symbol-narrow' : '1.2-2'
-                  }}
-                </span>
-              </div>
-            }
-            @if (currentAccountData.summary.interestNotPosted >= 0) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Interest Earned Not Posted' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
-                  {{
-                    currentAccountData.summary.interestNotPosted | currency: currency.code : 'symbol-narrow' : '1.2-2'
-                  }}
-                </span>
-              </div>
-            }
-            @if (currentAccountData.summary.totalOverdraftInterestDerived) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Interest On Overdraft' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
-                  {{
-                    currentAccountData.summary.totalOverdraftInterestDerived
-                      | currency: currency.code : 'symbol-narrow' : '1.2-2'
-                  }}
-                </span>
-              </div>
-            }
-            @if (currentAccountData.summary.interestNotPosted < 0) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Overdraft Interest Not Posted' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
-                  {{
-                    currentAccountData.summary.interestNotPosted | currency: currency.code : 'symbol-narrow' : '1.2-2'
-                  }}
-                </span>
-              </div>
-            }
-            @if (currentAccountData.nominalAnnualInterestRate) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Nominal Interest Rate' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
-                  {{ currentAccountData.nominalAnnualInterestRate | formatNumber }} %
-                </span>
-              </div>
-            }
-            <div class="nx-row">
-              <span class="nx-row__label">{{ 'labels.inputs.Interest Compounding Period' | translate }}</span>
-              <span class="nx-row__value">
-                {{ currentAccountData.interestCompoundingPeriodType.value | translateKey: 'catalogs' }}
-              </span>
-            </div>
-            <div class="nx-row">
-              <span class="nx-row__label">{{ 'labels.inputs.Interest Posting Period' | translate }}</span>
-              <span class="nx-row__value">
-                {{ currentAccountData.interestPostingPeriodType.value | translateKey: 'catalogs' }}
-              </span>
-            </div>
-            <div class="nx-row">
-              <span class="nx-row__label">{{ 'labels.inputs.Interest Calculated Using' | translate }}</span>
-              <span class="nx-row__value">
-                {{ currentAccountData.interestCalculationType.value | translateKey: 'catalogs' }}
-              </span>
-            </div>
-            <div class="nx-row">
-              <span class="nx-row__label">{{ 'labels.inputs.Days in Year' | translate }}</span>
-              <span class="nx-row__value">
-                {{ currentAccountData.interestCalculationDaysInYearType.value | translateKey: 'catalogs' }}
-              </span>
-            </div>
             @if (currentAccountData.withdrawalFee) {
               <div class="nx-row">
                 <span class="nx-row__label">{{ 'labels.inputs.Withdrawal Fee' | translate }}</span>
@@ -289,37 +188,6 @@
                 </span>
               </div>
             }
-            @if (currentAccountData.allowOverdraft) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Overdraft Limit' | translate }}</span>
-                <span class="nx-row__value nx-row__value--amount">
-                  {{ currentAccountData.overdraftLimit | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
-                </span>
-              </div>
-            }
-            @if (currentAccountData.allowOverdraft) {
-              <div class="nx-row">
-                <span class="nx-row__label">
-                  {{ 'labels.inputs.Minimum Overdraft Required for Interest Calculation' | translate }}
-                </span>
-                <span class="nx-row__value">
-                  {{
-                    currentAccountData.minOverdraftForInterestCalculation
-                      | currency: currency.code : 'symbol-narrow' : '1.2-2'
-                  }}
-                </span>
-              </div>
-            }
-            @if (currentAccountData.minBalanceForInterestCalculation) {
-              <div class="nx-row">
-                <span class="nx-row__label">
-                  {{ 'labels.inputs.Min Balance Required for Interest Calculation' | translate }}
-                </span>
-                <span class="nx-row__value">
-                  {{ currentAccountData.minBalanceForInterestCalculation | formatNumber }}
-                </span>
-              </div>
-            }
             @if (currentAccountData.minRequiredBalance) {
               <div class="nx-row">
                 <span class="nx-row__label">{{ 'labels.inputs.Minimum Required Balance' | translate }}</span>
@@ -332,14 +200,6 @@
                 <span class="nx-row__value">{{ currentAccountData.enforceMinRequiredBalance | yesNo }}</span>
               </div>
             }
-            @if (currentAccountData.summary.lastInterestCalculationDate) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Interest Recalculation Date' | translate }}</span>
-                <span class="nx-row__value">
-                  {{ currentAccountData.summary.lastInterestCalculationDate | dateFormat }}
-                </span>
-              </div>
-            }
             @if (currentAccountData.onHoldFunds) {
               <div class="nx-row">
                 <span class="nx-row__label">{{ 'labels.inputs.On Hold Funds' | translate }}</span>
@@ -350,14 +210,72 @@
                 </span>
               </div>
             }
-            @if (currentAccountData.withHoldTax) {
-              <div class="nx-row">
-                <span class="nx-row__label">{{ 'labels.inputs.Withhold Tax Group' | translate }}</span>
-                <span class="nx-row__value">{{ currentAccountData.taxGroup.name }}</span>
-              </div>
-            }
           </div>
         </section>
+
+        <!-- Overdraft: the only interest on a current account is what the customer pays on an OD. -->
+        @if (currentAccountData.allowOverdraft) {
+          <section class="nx-card">
+            <header class="nx-card__head">
+              <fa-icon icon="hand-holding-usd" class="nx-card__ico"></fa-icon>
+              <h3 class="nx-card__title">Overdraft (OD)</h3>
+            </header>
+            <div class="nx-card__body">
+              <div class="nx-row">
+                <span class="nx-row__label">Maximum OD Limit (per product)</span>
+                <span class="nx-row__value nx-row__value--amount">
+                  {{ currentAccountData.overdraftLimit | currency: currency.code : 'symbol-narrow' : '1.2-2' }}
+                </span>
+              </div>
+              @if (currentAccountData.nominalAnnualInterestRateOverdraft) {
+                <div class="nx-row">
+                  <span class="nx-row__label">OD Interest Rate</span>
+                  <span class="nx-row__value">
+                    {{ currentAccountData.nominalAnnualInterestRateOverdraft | formatNumber }} % p.a.
+                  </span>
+                </div>
+              }
+              @if (currentAccountData.minOverdraftForInterestCalculation) {
+                <div class="nx-row">
+                  <span class="nx-row__label">Minimum OD for Interest</span>
+                  <span class="nx-row__value">
+                    {{
+                      currentAccountData.minOverdraftForInterestCalculation
+                        | currency: currency.code : 'symbol-narrow' : '1.2-2'
+                    }}
+                  </span>
+                </div>
+              }
+              <div class="nx-row">
+                <span class="nx-row__label">OD Interest Posting</span>
+                <span class="nx-row__value">
+                  {{ currentAccountData.interestPostingPeriodType?.value | translateKey: 'catalogs' }}
+                </span>
+              </div>
+              <div class="nx-row">
+                <span class="nx-row__label">{{ 'labels.inputs.Days in Year' | translate }}</span>
+                <span class="nx-row__value">
+                  {{ currentAccountData.interestCalculationDaysInYearType?.value | translateKey: 'catalogs' }}
+                </span>
+              </div>
+              @if (currentAccountData.validForPeriod) {
+                <div class="nx-row">
+                  <span class="nx-row__label">Sanction Validity</span>
+                  <span class="nx-row__value">{{ currentAccountData.validForPeriod }}</span>
+                </div>
+              }
+              <div class="nx-row">
+                <span class="nx-row__label">OD Interest Charged</span>
+                <span class="nx-row__value nx-row__value--amount">
+                  {{
+                    currentAccountData.summary.totalOverdraftInterestDerived || 0
+                      | currency: currency.code : 'symbol-narrow' : '1.2-2'
+                  }}
+                </span>
+              </div>
+            </div>
+          </section>
+        }
       } @else {
         <section class="nx-card">
           <header class="nx-card__head">

src/app/current-accounts/current-account-view/passbook-tab/passbook-tab.component.html

@@ -54,8 +54,8 @@
           <mat-icon>account_balance</mat-icon>
         </div>
         <div class="bank-name-block">
-          <div class="bank-title">LincPay Co-operative Bank Ltd.</div>
-          <div class="bank-subtitle">Current Account Statement</div>
+          <div class="bank-title">{{ bankName }}</div>
+          <div class="bank-subtitle">{{ bankSubtitle }}</div>
         </div>
       </div>
       <div class="statement-label">
@@ -64,6 +64,25 @@
       </div>
     </div>
 
+    <!-- Branch line — IFSC/MICR are how a UCB customer identifies which branch issued this, and are
+         needed for NEFT/RTGS/cheque printing, so a real passbook always carries them. -->
+    @if (branchName || ifscCode || micrCode) {
+      <div class="branch-line">
+        @if (branchName) {
+          <span>{{ branchName }} Branch</span>
+        }
+        @if (branchAddress) {
+          <span>{{ branchAddress }}</span>
+        }
+        @if (ifscCode) {
+          <span>IFSC: {{ ifscCode }}</span>
+        }
+        @if (micrCode) {
+          <span>MICR: {{ micrCode }}</span>
+        }
+      </div>
+    }
+
     <!-- Account Details -->
     <div class="account-details-band">
       <div class="account-details-grid">

src/app/current-accounts/current-account-view/passbook-tab/passbook-tab.component.scss

@@ -127,6 +127,18 @@ $header-text: #fff;
   }
 }
 
+// ─── Branch Identification Line ──────────────────────────────────────────────
+.branch-line {
+  background: #e8edf5;
+  border-bottom: 1px solid $border-color;
+  padding: 6px 24px;
+  display: flex;
+  flex-wrap: wrap;
+  gap: 4px 18px;
+  font-size: 11px;
+  color: #4a5a7a;
+}
+
 // ─── Account Details Band ────────────────────────────────────────────────────
 .account-details-band {
   background: #f0f3f9;

src/app/current-accounts/current-account-view/passbook-tab/passbook-tab.component.ts

@@ -11,11 +11,12 @@ import { Component, OnInit, OnDestroy, inject, ElementRef, ViewChild } from '@an
 import { ActivatedRoute } from '@angular/router';
 import { UntypedFormBuilder } from '@angular/forms';
 import { CurrencyPipe } from '@angular/common';
-import { Subject, takeUntil } from 'rxjs';
+import { Subject, takeUntil, catchError, forkJoin, of } from 'rxjs';
 
 /** Custom Services */
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
+import { OrganizationService } from '../../../organization/organization.service';
 import { Currency } from 'app/shared/models/general.model';
 import {
   CurrentAccountTransaction,
@@ -44,6 +45,7 @@ export class PassbookTabComponent implements OnInit, OnDestroy {
   private formBuilder = inject(UntypedFormBuilder);
   private settingsService = inject(SettingsService);
   private dateUtils = inject(Dates);
+  private organizationService = inject(OrganizationService);
 
   private destroy$ = new Subject<void>();
 
@@ -60,6 +62,17 @@ export class PassbookTabComponent implements OnInit, OnDestroy {
   availableBalance: number = 0;
   activatedOnDate: any = null;
 
+  /** Bank/branch letterhead — real values from Institution Profile + Branch Profile (Organization
+   *  module) rather than a hardcoded name, so a printed passbook actually identifies which bank and
+   *  branch issued it, the way a real UCB's core banking system does. Falls back to a generic label
+   *  if the profile was never filled in, rather than showing a fabricated bank name. */
+  bankName = 'Bank';
+  bankSubtitle = 'Current Account Statement';
+  branchName = '';
+  branchAddress = '';
+  ifscCode = '';
+  micrCode = '';
+
   /** Transactions */
   allTransactions: CurrentAccountTransaction[] = [];
   filteredTransactions: CurrentAccountTransaction[] = [];
@@ -92,6 +105,33 @@ export class PassbookTabComponent implements OnInit, OnDestroy {
       fromDate: [''],
       toDate: ['']
     });
+
+    this.loadLetterhead();
+  }
+
+  /** Institution Profile is the bank's own single record; Branch Profile is per-office. There is no
+   *  office id on the current account data reaching this tab, and this deployment runs a single
+   *  branch, so the first branch profile on record is the correct one here — a genuinely
+   *  multi-branch deployment would need the account's own office id threaded through instead. */
+  private loadLetterhead(): void {
+    forkJoin({
+      institution: this.organizationService.getInstitutionProfile().pipe(catchError(() => of(null))),
+      branches: this.organizationService.getBranchProfiles().pipe(catchError(() => of([])))
+    }).subscribe(({ institution, branches }: any) => {
+      if (institution) {
+        this.bankName = institution.passbookHeaderName || institution.bankName || institution.legalName || 'Bank';
+        this.bankSubtitle = institution.licenseNumber
+          ? `Lic. No. ${institution.licenseNumber}`
+          : 'Current Account Statement';
+      }
+      const branch = Array.isArray(branches) ? branches[0] : null;
+      if (branch) {
+        this.branchName = branch.officeName || '';
+        this.branchAddress = branch.address || '';
+        this.ifscCode = branch.ifscCode || '';
+        this.micrCode = branch.micrCode || '';
+      }
+    });
   }
 
   private computeRunningBalances(transactions: CurrentAccountTransaction[]): CurrentAccountTransaction[] {
@@ -279,6 +319,18 @@ export class PassbookTabComponent implements OnInit, OnDestroy {
       margin-top: 3px;
     }
 
+    /* Branch identification line */
+    .branch-line {
+      background: #e8edf5;
+      border-bottom: 1px solid #d0d7e3;
+      padding: 5px 20px;
+      display: flex;
+      flex-wrap: wrap;
+      gap: 4px 16px;
+      font-size: 9.5px;
+      color: #4a5a7a;
+    }
+
     /* Account details band */
     .account-details-band {
       background: #f0f3f9;

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

@@ -334,17 +334,18 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
     const frequencyId = this.resolveFrequencyId(this.tenurePeriodUnit);
 
     if (this.principalAmount && this.principalAmount > 0) {
-      // Convert tenure to months for backend API. A Days tenure under 30 days rounds down to 0
-      // months, which the backend rejects -- send it as tenureInDays instead in that case.
+      // Years and Months convert exactly; a Days tenure is sent as days and never converted.
       let tenureInMonths: number | undefined;
       let tenureInDays: number | undefined;
       if (this.tenurePeriodUnit === 'Years') {
         tenureInMonths = this.tenureValue * 12;
       } else if (this.tenurePeriodUnit === 'Months') {
         tenureInMonths = this.tenureValue;
-      } else if (enteredDays >= 30) {
-        tenureInMonths = Math.floor(enteredDays / 30);
       } else {
+        // Sent as days, whatever the count. Converting to whole months silently dropped the
+        // remainder — a 200-day deposit quoted as six months lost 20 days of interest, and the
+        // screen still said "200 Days" above the figure. The backend takes days directly and
+        // works the calendar out itself.
         tenureInDays = enteredDays;
       }
 
@@ -423,10 +424,17 @@ export class FixedDepositAccountInterestRateChartStepComponent implements OnChan
             } else {
               const n = 12 / compMonths;
               const effectiveMonths = tenureInMonths ?? enteredDays / 30;
-              const totalCompoundings = Math.floor(effectiveMonths / compMonths);
               const rPerCompounding = rate / (n * 100);
-              result.maturityAmount =
-                Math.round(this.principalAmount * Math.pow(1 + rPerCompounding, totalCompoundings) * 100) / 100;
+              // Whole compounding periods, then simple interest on the days left over. Flooring the
+              // periods and stopping there dropped the remainder entirely: a 200-day deposit
+              // compounding monthly quoted only six months of interest and lost the other twenty
+              // days, which is the depositor's money.
+              const wholePeriods = Math.floor(effectiveMonths / compMonths);
+              const compounded = this.principalAmount * Math.pow(1 + rPerCompounding, wholePeriods);
+              const leftoverDays = enteredDays - wholePeriods * compMonths * 30;
+              const leftoverInterest =
+                leftoverDays > 0 ? (compounded * rate * leftoverDays) / (100 * daysInYearVal) : 0;
+              result.maturityAmount = Math.round((compounded + leftoverInterest) * 100) / 100;
             }
             result.interestEarned = Math.round((result.maturityAmount - this.principalAmount) * 100) / 100;
             this.matchResult = { ...result };

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

@@ -7,17 +7,29 @@
 -->
 
 <form [formGroup]="closureSettingsForm" class="layout-row-wrap gap-2px responsive-column">
-  <h4 class="mat-h4 flex-98">{{ 'labels.heading.For Pre-mature closure' | translate }}</h4>
+  <h4 class="mat-h4 flex-98">{{ 'labels.heading.Maturity Instructions' | translate }}</h4>
 
   <mat-form-field class="flex-48">
     <mat-label>{{ 'labels.inputs.Maturity Instructions' | translate }}</mat-label>
     <mat-select formControlName="maturityInstructionId">
+      <mat-option [value]="''">-- Not selected (decide later via FD Dashboard) --</mat-option>
       @for (maturityInstruction of maturityInstructionOptions; track maturityInstruction) {
         <mat-option [value]="maturityInstruction.id">
           {{ maturityInstruction.value | translateKey: 'catalogs' }}
         </mat-option>
       }
     </mat-select>
+    @if (closureSettingsForm.value.maturityInstructionId) {
+      <button
+        mat-icon-button
+        matSuffix
+        type="button"
+        title="Clear -- decide later via FD Dashboard"
+        (click)="$event.stopPropagation(); closureSettingsForm.get('maturityInstructionId')?.setValue('')"
+      >
+        <mat-icon>close</mat-icon>
+      </button>
+    }
   </mat-form-field>
 
   @if (closureSettingsForm.contains('transferToSavingsId')) {
@@ -28,8 +40,8 @@
             <mat-icon>savings</mat-icon>
           </div>
           <div>
-            <h3 class="dal-card__title">{{ 'labels.inputs.Transfer to savings account' | translate }}</h3>
-            <span class="dal-card__sub">Maturity proceeds will be credited to this account</span>
+            <h3 class="dal-card__title">{{ transferAccountCardTitle }}</h3>
+            <span class="dal-card__sub">{{ transferAccountCardSubtitle }}</span>
           </div>
         </div>
       </div>
@@ -69,7 +81,7 @@
           </div>
         } @else {
           <mat-form-field appearance="outline" class="flex-98">
-            <mat-label>{{ 'labels.inputs.Transfer to savings account' | translate }}</mat-label>
+            <mat-label>{{ transferAccountCardTitle }}</mat-label>
             <mat-select formControlName="transferToSavingsId" required>
               @for (account of savingsAccountsData; track account) {
                 <mat-option [value]="account.id">
@@ -77,13 +89,15 @@
                 </mat-option>
               }
             </mat-select>
-            <mat-error>Transfer to savings account is required</mat-error>
+            <mat-error>{{ transferAccountCardTitle }} is required</mat-error>
           </mat-form-field>
         }
       </div>
     </div>
   }
 
+  <h4 class="mat-h4 flex-98">{{ 'labels.heading.For Pre-mature closure' | translate }}</h4>
+
   <mat-checkbox class="flex-98 margin-v" labelPosition="before" formControlName="preClosurePenalApplicable">
     {{ 'labels.inputs.Apply Penal Interest (less)' | translate }}
   </mat-checkbox>

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

@@ -11,6 +11,7 @@ import { Component, Input, OnChanges, SimpleChanges, inject } from '@angular/cor
 import { UntypedFormGroup, UntypedFormBuilder, UntypedFormControl, Validators } from '@angular/forms';
 import { MatCheckbox } from '@angular/material/checkbox';
 import { MatIcon } from '@angular/material/icon';
+import { MatIconButton } from '@angular/material/button';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 /**
@@ -25,7 +26,8 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
   imports: [
     ...STANDALONE_SHARED_IMPORTS,
     MatCheckbox,
-    MatIcon
+    MatIcon,
+    MatIconButton
   ]
 })
 export class FixedDepositAccountMaturityTermsStepComponent implements OnChanges {
@@ -53,9 +55,12 @@ export class FixedDepositAccountMaturityTermsStepComponent implements OnChanges
       preClosurePenalInterestOnTypeId: ['']
     });
     this.closureSettingsForm.get('maturityInstructionId').valueChanges.subscribe((value: number) => {
-      // 200 = Transfer to Savings -- Withdraw Deposit (100) needs no target account, and both
-      // Reinvest options (300/400) open a brand-new FD instead, so they ignore this field too.
-      if (value === 200) {
+      // 200 = Transfer to Savings -- the whole matured balance goes here. 400 = Reinvest Principal
+      // Only -- the principal rolls into a new FD, but the leftover interest still needs the same
+      // kind of target so it isn't left stranded on the closed account (a real gap the account used
+      // to silently hit before this field also asked for it here). Reinvest Principal + Interest
+      // (300) rolls the whole balance into the same account, so it never needs a target at all.
+      if (value === 200 || value === 400) {
         this.closureSettingsForm.addControl(
           'transferToSavingsId',
           new UntypedFormControl(this.linkedSavingsAccountId ?? '', Validators.required)
@@ -91,15 +96,48 @@ export class FixedDepositAccountMaturityTermsStepComponent implements OnChanges
         });
       }
     }
+    // Editing an existing account: its own already-saved Maturity Instructions choice lives on
+    // `fixedDepositsAccountTemplate` (the real account+template GET, FixedDepositAccountData's
+    // `onAccountClosure`) -- NOT on `fixedDepositsAccountProductTemplate`, which is only the blank
+    // per-product default template refetched from the Product dropdown's own productId (via
+    // getFixedDepositsAccountTemplate(clientId, productId)) and carries no account-specific data at
+    // all. This was never read from the right place before, so Edit always opened onto a blank
+    // picker even for an account that really does have an instruction saved. `.dirty` guards it the
+    // same way the penal-interest fields above do, so a maker's own in-progress edit here is never
+    // silently overwritten if this input fires again mid-edit.
+    if (this.fixedDepositsAccountTemplate && !this.closureSettingsForm.get('maturityInstructionId').dirty) {
+      this.closureSettingsForm
+        .get('maturityInstructionId')
+        ?.setValue(this.fixedDepositsAccountTemplate.onAccountClosure?.id ?? '');
+      const transferControl = this.closureSettingsForm.get('transferToSavingsId');
+      if (transferControl) {
+        transferControl.setValue(
+          this.fixedDepositsAccountTemplate.transferToSavingsId ?? this.linkedSavingsAccountId ?? ''
+        );
+      }
+    }
   }
 
-  /** The linked-savings account for the transfer-to-savings maturity instruction, once picked. */
+  /** The linked-savings account for the transfer-to-savings / reinvest-principal-only-interest
+   *  maturity instruction, once picked. */
   get selectedTransferAccount(): any {
     const id = this.closureSettingsForm.value.transferToSavingsId;
     if (!id) return null;
     return this.savingsAccountsData.find((account: any) => account.id === id) ?? null;
   }
 
+  get transferAccountCardTitle(): string {
+    return this.closureSettingsForm.value.maturityInstructionId === 400
+      ? 'Interest payout account'
+      : 'Transfer to savings account';
+  }
+
+  get transferAccountCardSubtitle(): string {
+    return this.closureSettingsForm.value.maturityInstructionId === 400
+      ? 'The principal renews into a new FD; interest earned is paid out to this account.'
+      : 'Maturity proceeds will be credited to this account.';
+  }
+
   clearTransferAccount(): void {
     this.closureSettingsForm.get('transferToSavingsId')?.setValue('');
   }

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

@@ -8,12 +8,25 @@
 
 <div class="pmt">
   <div class="pmt__header">
+    <div class="pmt__header-left">
       <span class="pmt__header-ico"><fa-icon icon="sync-alt"></fa-icon></span>
       <div class="pmt__header-text">
-      <h2 class="pmt__title">{{ 'labels.heading.Payment' | translate }}</h2>
-      <p class="pmt__subtitle">Process this Fixed Deposit now -- works whether it's Active or Matured.</p>
+        <h2 class="pmt__title">
+          {{ isDashboardRenewalMode ? 'Renew Fixed Deposit' : ('labels.heading.Payment' | translate) }}
+        </h2>
+        <p class="pmt__subtitle">
+          {{
+            isDashboardRenewalMode
+              ? 'Renew ' + (dashboardRenewalRow?.accountNo ?? 'this matured FD') + '.'
+              : 'Process this matured Fixed Deposit now.'
+          }}
+        </p>
       </div>
     </div>
+    <button type="button" class="pmt__header-close" mat-dialog-close [disabled]="submitting" title="Close">
+      <fa-icon icon="times"></fa-icon>
+    </button>
+  </div>
 
   <div mat-dialog-content class="pmt__content">
     @if (loadingTemplate) {
@@ -27,19 +40,73 @@
       </div>
     } @else {
       <form [formGroup]="paymentForm">
+        @if (isMaturedRenewal) {
+          <p class="pmt__hint">
+            <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+            {{ maturedRenewalTimingText }}
+          </p>
+
+          @if (renewalPreviewLoading) {
+            <p class="pmt__hint">
+              <fa-icon icon="spinner" [class.fa-spin]="true" class="m-r-5"></fa-icon>
+              Calculating gap-period interest...
+            </p>
+          } @else if (renewalPreview && !renewalPreview.withinGrace) {
+            @if (!renewalPreview.linkedAccountId) {
+              <p class="pmt__hint pmt__hint--warn" role="alert">
+                <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+                This FD has no Deposit Account Link, so there is no account to read a gap-interest rate from. Link a
+                Savings account to it before renewing late.
+              </p>
+            } @else {
+              <div class="pmt__preview">
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">FD Maturity Balance (renews as-is below)</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.currentBalance | formatNumber }}</span>
+                </div>
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">Gap Days ({{ renewalPreview.maturityDate }} &rarr; today)</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.gapDays }}</span>
+                </div>
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">Deposit Account Link</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.linkedAccountNo }}</span>
+                </div>
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">Its Interest Rate</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.linkedAccountRate }}%</span>
+                </div>
+                <div class="pmt__preview-row pmt__preview-row--highlight pmt__preview-row--total">
+                  <span class="pmt__preview-label"
+                    >Gap-Period Interest &rarr; paid to {{ renewalPreview.linkedAccountNo }}</span
+                  >
+                  <span class="pmt__preview-value">+ {{ renewalPreview.gapInterestAmount | formatNumber }}</span>
+                </div>
+              </div>
+              <p class="pmt__hint">
+                <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+                This gap interest was earned at the linked account's own rate, not the FD's -- it is credited straight
+                to account {{ renewalPreview.linkedAccountNo }} (the FD's Deposit Account Link), separately from
+                whatever you choose below. The FD itself renews from its own maturity balance, unchanged.
+              </p>
+            }
+          }
+        }
+
         @if (reinvestCap !== null && reinvestCap !== undefined) {
           <div class="pmt__stat">
             <span class="pmt__stat-label">
               {{
-                remainderIsApproximate
-                  ? 'Amount available on the selected date'
-                  : ('labels.inputs.Maturity Amount' | translate)
+                isMaturedRenewal || !remainderIsApproximate
+                  ? ('labels.inputs.Maturity Amount' | translate)
+                  : 'Amount available on the selected date'
               }}
             </span>
             <span class="pmt__stat-value">{{ reinvestCap | formatNumber }}</span>
           </div>
         }
 
+        @if (!isMaturedRenewal) {
           <mat-form-field appearance="outline" class="pmt__date" (click)="closedOnDatePicker.open()">
             <mat-label>{{ 'labels.inputs.Closed On Date' | translate }}</mat-label>
             <input
@@ -58,6 +125,7 @@
               </mat-error>
             }
           </mat-form-field>
+        }
 
         <div class="pmt__section-label" id="pmt-action-label">{{ 'labels.inputs.Action' | translate }}</div>
         <div class="pmt__options" role="radiogroup" aria-labelledby="pmt-action-label">
@@ -162,10 +230,12 @@
           </mat-form-field>
         }
 
+        @if (!isMaturedRenewal) {
           <mat-form-field appearance="outline">
             <mat-label>{{ 'labels.inputs.Note' | translate }}</mat-label>
             <textarea matInput formControlName="note" cdkTextareaAutosize cdkAutosizeMinRows="2"></textarea>
           </mat-form-field>
+        }
 
         @if (submitError) {
           <p class="pmt__error" role="alert">
@@ -178,14 +248,25 @@
   </div>
 
   <div mat-dialog-actions align="end" class="pmt__actions">
-    <button mat-button mat-dialog-close [disabled]="submitting">{{ 'labels.buttons.Cancel' | translate }}</button>
+    <button mat-button mat-dialog-close [disabled]="submitting" class="pmt__btn-cancel">
+      {{ 'labels.buttons.Cancel' | translate }}
+    </button>
     <button
       mat-raised-button
       color="primary"
+      class="pmt__btn-submit"
       [disabled]="!paymentForm?.valid || submitting || loadFailed"
       (click)="submit()"
     >
-      {{ submitting ? ('labels.buttons.Processing' | translate) : ('labels.buttons.Confirm' | translate) }}
+      {{
+        submitting
+          ? isDashboardRenewalMode
+            ? 'Renewing...'
+            : ('labels.buttons.Processing' | translate)
+          : isDashboardRenewalMode
+            ? 'Confirm & Renew'
+            : ('labels.buttons.Confirm' | translate)
+      }}
     </button>
   </div>
 </div>

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

@@ -6,291 +6,466 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-$navy: #0d1b2a;
-$slate: #475569;
-$muted: #64748b;
-$border: #e2e8f0;
-$soft: #f8fafc;
-$blue: #1e40af;
-$blue-soft: #eff6ff;
-$green: #166534;
-$green-soft: #f0fdf4;
+/**
+ * Payment / Renewal Dialog Styles
+ * CBSNexora Core Banking System
+ */
 
 .pmt {
   display: flex;
   flex-direction: column;
-  min-height: 320px;
-  max-height: 85vh;
+  height: 100%;
+  max-height: 92vh;
+  box-sizing: border-box;
+  font-family:
+    'DM Sans',
+    system-ui,
+    -apple-system,
+    sans-serif;
+  color: #0f172a;
+  border-radius: 16px;
   overflow: hidden;
-  margin: -24px;
+  box-shadow: 0 24px 48px -12px rgb(15 23 42 / 25%);
 }
 
 .pmt__header {
   display: flex;
-  align-items: flex-start;
-  gap: 14px;
-  padding: 22px 28px 18px;
-  background: linear-gradient(135deg, #1e3a8a 0%, #1e40af 55%, #4338ca 100%);
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+  padding: 26px 30px;
+  background: linear-gradient(135deg, #1e3a8a 0%, #1d4ed8 55%, #2563eb 100%);
   color: #fff;
-  flex: 0 0 auto;
+  flex-shrink: 0;
+  position: relative;
+  overflow: hidden;
+
+  &::after {
+    content: '';
+    position: absolute;
+    inset: 0;
+    background: radial-gradient(circle at 88% -20%, rgb(255 255 255 / 22%), transparent 55%);
+    pointer-events: none;
   }
 
-.pmt__header-ico {
-  width: 40px;
-  height: 40px;
-  min-width: 40px;
-  border-radius: 10px;
-  background: rgb(255 255 255 / 15%);
+  &-left {
+    display: flex;
+    align-items: center;
+    gap: 16px;
+    position: relative;
+    z-index: 1;
+  }
+
+  &-ico {
+    width: 48px;
+    height: 48px;
+    border-radius: 14px;
+    background: rgb(255 255 255 / 16%);
+    border: 1px solid rgb(255 255 255 / 25%);
     display: flex;
     align-items: center;
     justify-content: center;
-  font-size: 18px;
+    font-size: 20px;
+    color: #fff;
+    flex-shrink: 0;
+  }
+
+  &-text {
+    display: flex;
+    flex-direction: column;
+  }
+
+  &-close {
+    position: relative;
+    z-index: 1;
+    background: rgb(255 255 255 / 14%);
+    border: none;
+    color: #fff;
+    width: 34px;
+    height: 34px;
+    border-radius: 50%;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    cursor: pointer;
+    transition: all 0.2s ease;
+    flex-shrink: 0;
+
+    &:hover:not(:disabled) {
+      background: rgb(255 255 255 / 28%);
+      transform: rotate(90deg);
+    }
+
+    &:disabled {
+      opacity: 0.5;
+      cursor: not-allowed;
+    }
+  }
 }
 
 .pmt__title {
   margin: 0;
-  font-size: 19px;
-  font-weight: 700;
+  font-size: 20px;
+  font-weight: 800;
+  color: #fff;
+  line-height: 1.25;
+  letter-spacing: -0.01em;
 }
 
 .pmt__subtitle {
-  margin: 4px 0 0;
-  font-size: 12.5px;
-  color: rgb(255 255 255 / 82%);
+  margin: 5px 0 0;
+  font-size: 13px;
+  color: rgb(255 255 255 / 88%);
   line-height: 1.4;
 }
 
 .pmt__content {
-  padding: 22px 28px 8px !important;
+  padding: 26px 30px !important;
   overflow-y: auto;
   flex: 1 1 auto;
+  background: #fbfcfe;
+
+  mat-form-field {
+    width: 100%;
+  }
 }
 
 .pmt__loading {
   display: flex;
   justify-content: center;
   align-items: center;
-  min-height: 260px;
+  min-height: 240px;
 }
 
 .pmt__stat {
   display: flex;
   flex-direction: column;
-  gap: 2px;
-  background: $blue-soft;
-  border: 1px solid #dbeafe;
-  border-radius: 10px;
-  padding: 12px 16px;
+  gap: 4px;
+  background: linear-gradient(135deg, #eff6ff 0%, #e0e9ff 100%);
+  border: 1px solid #bfdbfe;
+  border-radius: 14px;
+  padding: 18px 22px;
   margin-bottom: 18px;
-}
 
-.pmt__stat-label {
-  font-size: 11px;
-  font-weight: 700;
-  text-transform: uppercase;
-  letter-spacing: 0.05em;
-  color: $blue;
-}
-
-.pmt__stat-value {
-  font-size: 22px;
-  font-weight: 800;
-  color: $navy;
-  font-variant-numeric: tabular-nums;
-}
-
-.pmt__date {
-  width: 100%;
-}
-
-.pmt__section-label {
+  &-label {
     font-size: 11.5px;
     font-weight: 700;
     text-transform: uppercase;
-  letter-spacing: 0.05em;
-  color: $slate;
-  margin: 4px 0 10px;
+    letter-spacing: 0.07em;
+    color: #1d4ed8;
   }
 
+  &-value {
+    font-family: 'JetBrains Mono', 'DM Sans', monospace;
+    font-size: 28px;
+    font-weight: 800;
+    color: #0f172a;
+    letter-spacing: -0.01em;
+  }
+}
+
+.pmt__preview {
+  display: flex;
+  flex-direction: column;
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 14px;
+  padding: 4px 18px;
+  margin: 0 0 18px;
+
+  &-row {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 12px;
+    padding: 11px 0;
+    border-bottom: 1px solid #f1f5f9;
+
+    &:last-child {
+      border-bottom: none;
+    }
+
+    &--highlight {
+      .pmt__preview-value {
+        color: #0d9488;
+        font-weight: 800;
+      }
+    }
+
+    &--total {
+      margin: 0 -18px;
+      padding: 14px 18px;
+      background: linear-gradient(135deg, #eff6ff 0%, #e0e9ff 100%);
+      border-bottom: none;
+      border-radius: 0 0 12px 12px;
+
+      .pmt__preview-label {
+        color: #1d4ed8;
+        font-weight: 700;
+      }
+
+      .pmt__preview-value {
+        color: #0f172a;
+        font-size: 18px;
+        font-weight: 800;
+      }
+    }
+  }
+
+  &-label {
+    font-size: 12.5px;
+    color: #64748b;
+    font-weight: 600;
+  }
+
+  &-value {
+    font-family: 'JetBrains Mono', 'DM Sans', monospace;
+    font-size: 14px;
+    font-weight: 700;
+    color: #0f172a;
+  }
+}
+
+.pmt__section-label {
+  font-size: 12px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+  color: #475569;
+  margin: 10px 0 12px;
+}
+
+/* Action Options Grid - 2 Equal Columns, comfortably wide now that the dialog itself is wider */
 .pmt__options {
   display: grid;
-  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
-  gap: 10px;
-  margin-bottom: 6px;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 14px;
+  margin-bottom: 18px;
+
+  @media (width <= 560px) {
+    grid-template-columns: 1fr;
+  }
 }
 
 .pmt__option {
   display: flex;
   align-items: flex-start;
-  gap: 10px;
+  gap: 14px;
   text-align: left;
   background: #fff;
-  border: 1.5px solid $border;
-  border-radius: 10px;
-  padding: 12px 14px;
+  border: 1.5px solid #e2e8f0;
+  border-radius: 14px;
+  padding: 16px;
   cursor: pointer;
   font: inherit;
-  transition:
-    border-color 0.15s,
-    background 0.15s,
-    box-shadow 0.15s;
-}
+  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
+  position: relative;
 
-.pmt__option:hover {
+  &:hover {
     border-color: #93c5fd;
-  background: $blue-soft;
+    background: #f8fafc;
+    box-shadow: 0 6px 16px rgb(15 23 42 / 6%);
+    transform: translateY(-1px);
   }
 
-.pmt__option--active {
-  border-color: $blue;
-  background: $blue-soft;
-  box-shadow: 0 0 0 1px $blue;
-}
+  &--active {
+    border-color: #2563eb;
+    background: #eff6ff;
+    box-shadow: 0 0 0 1.5px #2563eb;
 
     .pmt__option-ico {
-  width: 30px;
-  height: 30px;
-  min-width: 30px;
-  border-radius: 8px;
-  background: $soft;
-  color: $blue;
+      background: #2563eb;
+      color: #fff;
+      border-color: #2563eb;
+    }
+  }
+
+  &-ico {
+    width: 38px;
+    height: 38px;
+    min-width: 38px;
+    border-radius: 10px;
+    background: #f1f5f9;
+    border: 1px solid #e2e8f0;
+    color: #2563eb;
     display: flex;
     align-items: center;
     justify-content: center;
-  font-size: 13px;
+    font-size: 15px;
+    flex-shrink: 0;
+    transition: all 0.2s ease;
   }
 
-.pmt__option--active .pmt__option-ico {
-  background: $blue;
-  color: #fff;
+  // Distinct accent per option while unselected, purely presentational -- helps the four cards read
+  // apart at a glance. Selecting a card always fills its icon blue (see &--active above), matching the
+  // blue selection border/check regardless of which option it is, rather than mixing selection-blue
+  // with the option's own accent.
+  &:not(.pmt__option--active):nth-child(2) .pmt__option-ico {
+    color: #7c3aed;
   }
 
-.pmt__option-text {
+  &:not(.pmt__option--active):nth-child(3) .pmt__option-ico {
+    color: #0d9488;
+  }
+
+  &:not(.pmt__option--active):nth-child(4) .pmt__option-ico {
+    color: #d97706;
+  }
+
+  &-text {
     display: flex;
     flex-direction: column;
-  gap: 2px;
+    gap: 4px;
+    flex: 1;
   }
 
-.pmt__option-title {
-  font-size: 13px;
+  &-title {
+    font-size: 14px;
     font-weight: 700;
-  color: $navy;
+    color: #0f172a;
+    line-height: 1.3;
   }
 
-.pmt__option-desc {
-  font-size: 11px;
-  color: $muted;
-  line-height: 1.35;
+  &-desc {
+    font-size: 12px;
+    color: #64748b;
+    line-height: 1.4;
   }
 
-.pmt__option:focus-visible {
-  outline: 2px solid $blue;
-  outline-offset: 2px;
+  &-check {
+    color: #2563eb;
+    font-size: 17px;
+    position: absolute;
+    top: 14px;
+    right: 14px;
   }
-
-.pmt__option-check {
-  margin-left: auto;
-  color: $blue;
-  font-size: 13px;
 }
 
 .pmt__option-error {
   color: #b91c1c;
   font-size: 12px;
-  margin: 4px 0 14px;
-}
-
-.pmt__error {
-  display: flex;
-  align-items: flex-start;
-  gap: 4px;
-  background: #fef2f2;
-  border: 1px solid #fecaca;
-  border-radius: 8px;
-  color: #b91c1c;
-  font-size: 12.5px;
-  line-height: 1.45;
-  padding: 10px 14px;
-  margin: 4px 0 8px;
-}
-
-.pmt__hint {
-  display: flex;
-  align-items: flex-start;
-  gap: 4px;
-  background: $soft;
-  border: 1px solid $border;
-  border-radius: 8px;
-  color: $slate;
-  font-size: 12px;
-  line-height: 1.45;
-  padding: 9px 13px;
-  margin: 0 0 10px;
-}
-
-.pmt__hint--warn {
-  background: #fffbeb;
-  border-color: #fde68a;
-  color: #92400e;
+  font-weight: 600;
+  margin: -10px 0 14px;
 }
 
 .pmt__split {
   display: flex;
   align-items: center;
-  gap: 12px;
-  background: $soft;
+  gap: 16px;
+  background: #f8fafc;
   border: 1px dashed #cbd5e1;
-  border-radius: 10px;
-  padding: 14px 16px 0;
-  margin: 4px 0 8px;
+  border-radius: 14px;
+  padding: 18px;
+  margin: 10px 0 18px;
   flex-wrap: wrap;
+
+  &-input {
+    flex: 1 1 220px;
   }
 
-.pmt__split-input {
-  flex: 1 1 180px;
-  min-width: 160px;
+  &-arrow {
+    color: #94a3b8;
+    font-size: 17px;
   }
 
-.pmt__split-arrow {
-  color: $muted;
-  font-size: 14px;
-  margin-bottom: 20px;
-}
-
-.pmt__split-remainder {
+  &-remainder {
     display: flex;
     flex-direction: column;
-  gap: 2px;
-  background: $green-soft;
+    gap: 3px;
+    background: #f0fdf4;
     border: 1px solid #bbf7d0;
-  border-radius: 8px;
-  padding: 8px 14px;
-  margin-bottom: 14px;
-  flex: 1 1 180px;
-  min-width: 160px;
-}
+    border-radius: 10px;
+    padding: 12px 16px;
+    flex: 1 1 220px;
 
-.pmt__split-remainder-label {
-  font-size: 10.5px;
+    &-label {
+      font-size: 11px;
       font-weight: 700;
       text-transform: uppercase;
       letter-spacing: 0.04em;
-  color: $green;
+      color: #166534;
     }
 
-.pmt__split-remainder-value {
-  font-size: 16px;
+    &-value {
+      font-family: 'JetBrains Mono', 'DM Sans', monospace;
+      font-size: 19px;
       font-weight: 800;
-  color: $green;
-  font-variant-numeric: tabular-nums;
+      color: #166534;
+    }
+  }
 }
 
-.pmt__content mat-form-field {
-  width: 100%;
+.pmt__hint {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #f0f9ff;
+  border: 1px solid #bae6fd;
+  border-left: 4px solid #0284c7;
+  border-radius: 10px;
+  color: #0369a1;
+  font-size: 13px;
+  line-height: 1.5;
+  padding: 12px 16px;
+  margin: 0 0 18px;
+
+  &--warn {
+    background: #fffbeb;
+    border-color: #fde68a;
+    border-left-color: #d97706;
+    color: #b45309;
+  }
+}
+
+.pmt__error {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #fef2f2;
+  border: 1px solid #fecaca;
+  border-left: 4px solid #ef4444;
+  border-radius: 10px;
+  color: #b91c1c;
+  font-size: 13px;
+  padding: 12px 16px;
+  margin: 10px 0;
 }
 
 .pmt__actions {
-  padding: 14px 28px 20px !important;
-  border-top: 1px solid $border;
-  flex: 0 0 auto;
+  padding: 18px 30px !important;
+  border-top: 1px solid #e2e8f0;
+  background: #fff;
+  display: flex;
+  align-items: center;
+  justify-content: flex-end;
+  gap: 14px;
+  flex-shrink: 0;
+
+  .pmt__btn-cancel {
+    border-radius: 10px;
+    font-weight: 600;
+    color: #475569;
+  }
+
+  .pmt__btn-submit {
+    border-radius: 10px;
+    font-weight: 700;
+    padding: 0 26px;
+    height: 42px;
+    background: linear-gradient(135deg, #1d4ed8 0%, #2563eb 100%);
+    color: #fff;
+    box-shadow: 0 8px 20px rgb(37 99 235 / 30%);
+    transition: all 0.2s ease;
+
+    &:hover:not(:disabled) {
+      box-shadow: 0 10px 24px rgb(37 99 235 / 40%);
+      transform: translateY(-1px);
+    }
+
+    &:disabled {
+      background: #cbd5e1;
+      box-shadow: none;
+      color: #64748b;
+    }
+  }
 }

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

@@ -24,15 +24,26 @@ import { UntypedFormBuilder, UntypedFormGroup, UntypedFormControl, ValidatorFn,
 /** Custom Services */
 import { FixedDepositsService } from '../../../fixed-deposits.service';
 import { SettingsService } from 'app/settings/settings.service';
+import { AlertService } from 'app/core/alert/alert.service';
 import { Dates } from 'app/core/utils/dates';
 import { FormatNumberPipe } from '../../../../../pipes/format-number.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { FdMaturityRow } from 'app/fd-dashboard/fd-dashboard.compute';
 
 /**
  * "Payment" dialog -- an always-available alternative to Premature Close (Active-only, no reinvest) and
  * Close (Matured-only, no partial option). Works on an FD in either state and offers a fourth choice,
  * Partial Reinvest, alongside the ones the backend's `DepositAccountOnClosureType` already had: the
  * entered amount renews on this same account, the rest transfers to a savings account picked here.
+ *
+ * Doubles as the FD Dashboard's Renew action when opened with `data.dashboardRenewal` set: same form,
+ * same full set of closure types (nothing removed -- Transfer to Savings and Partial Reinvest work from
+ * the Dashboard too, not just the two Reinvest options). The only two differences in that mode: the
+ * Closed On Date is computed from the FD's grace window instead of picked freely (backdated to the
+ * original maturity date within grace, today once it's passed -- the picker is hidden, not just
+ * defaulted, so it can't accidentally be moved off that date), and submit() first calls
+ * `creditGapInterestIfPastGrace` when past grace, crediting the gap-period interest (at the linked
+ * account's rate) onto the FD before the normal `payment` command runs and reads its balance.
  */
 @Component({
   selector: 'mifosx-payment-dialog',
@@ -76,11 +87,18 @@ export class PaymentDialogComponent implements OnInit {
   };
 
   dialogRef = inject<MatDialogRef<PaymentDialogComponent>>(MatDialogRef);
-  data: { accountId: number | string; accountBalance?: number; maturityDate?: any } = inject(MAT_DIALOG_DATA);
+  data: {
+    accountId: number | string;
+    accountBalance?: number;
+    maturityDate?: any;
+    /** Present only when opened from the FD Dashboard's Renew action. */
+    dashboardRenewal?: { row: FdMaturityRow };
+  } = inject(MAT_DIALOG_DATA);
   private formBuilder = inject(UntypedFormBuilder);
   private fixedDepositsService = inject(FixedDepositsService);
   private settingsService = inject(SettingsService);
   private dateUtils = inject(Dates);
+  private alertService = inject(AlertService);
 
   paymentForm: UntypedFormGroup;
   /** Loaded once, on open, from the same closure template the existing Close action already uses. */
@@ -93,6 +111,16 @@ export class PaymentDialogComponent implements OnInit {
   submitError: string = null;
   maxDate: Date;
 
+  /** Whether gap-interest still needs crediting before this submits -- only ever true once, right
+   *  after open; cleared as soon as `submit()` has credited it, so a retried submit doesn't double-post. */
+  private gapInterestPending = false;
+
+  /** Read-only numbers (current balance, linked account's rate, gap days, gap-interest amount,
+   *  projected new balance) fetched once on open in dashboard-renewal mode, shown above the Action
+   *  cards so staff see exactly what a late renewal is about to credit before confirming anything. */
+  renewalPreview: any = null;
+  renewalPreviewLoading = false;
+
   ngOnInit(): void {
     this.maxDate = this.settingsService.businessDate;
     this.paymentForm = this.formBuilder.group({
@@ -106,6 +134,34 @@ export class PaymentDialogComponent implements OnInit {
       ],
       note: ['']
     });
+
+    // Fetched every time this dialog opens, not just from the FD Dashboard -- Payment is now only ever
+    // offered once an FD has Matured (see FixedDepositsButtonsConfiguration), so a plain Payment on it
+    // is exactly the same "late renewal" scenario the Dashboard's Renew action handles, and needs the
+    // exact same date-locking/gap-interest treatment, or an FD closed this way instead of from the
+    // Dashboard would silently skip crediting interest it genuinely earned.
+    this.renewalPreviewLoading = true;
+    this.fixedDepositsService.getFdRenewalPreview(this.data.accountId).subscribe({
+      next: (preview: any) => {
+        this.renewalPreview = preview;
+        this.renewalPreviewLoading = false;
+        if (preview?.isMatured) {
+          // Computed from the grace window, never picked -- the date field stays in the form (the
+          // generic submit path and reinvestCap/processingOnOrAfterMaturity both key off it) but its
+          // picker is hidden once matured (see the template), so it can't be moved off this value.
+          this.paymentForm
+            .get('closedOnDate')
+            .setValue(preview.withinGrace ? new Date(preview.maturityDate) : this.maxDate);
+          this.gapInterestPending = !preview.withinGrace;
+        }
+      },
+      // Non-fatal -- Confirm still works from here (backend re-derives the same numbers on submit),
+      // only the numeric preview and its date-locking are unavailable, not the action itself.
+      error: () => {
+        this.renewalPreviewLoading = false;
+      }
+    });
+
     this.paymentForm.get('onAccountClosureId').valueChanges.subscribe((id: number) => this.onClosureTypeChange(id));
     // The cap depends on whether the chosen date is on or after maturity, so a date change can make an
     // already-entered amount valid or invalid. Without this the amount keeps its verdict from the old date.
@@ -136,6 +192,31 @@ export class PaymentDialogComponent implements OnInit {
     });
   }
 
+  get isDashboardRenewalMode(): boolean {
+    return !!this.data.dashboardRenewal;
+  }
+
+  get dashboardRenewalRow(): FdMaturityRow | null {
+    return this.data.dashboardRenewal?.row ?? null;
+  }
+
+  /** True once the loaded preview confirms this FD has actually Matured -- which, since Payment is
+   *  only ever offered on a Matured account, is every real open of this dialog now, from either entry
+   *  point. Drives the date-locking and gap-interest preview/crediting identically either way. */
+  get isMaturedRenewal(): boolean {
+    return !!this.renewalPreview?.isMatured;
+  }
+
+  /** What clicking Confirm is actually about to do -- shown above the (hidden-picker) date once
+   *  matured, since the date itself is no longer visible to explain it. */
+  get maturedRenewalTimingText(): string {
+    if (!this.renewalPreview) return '';
+    return this.renewalPreview.withinGrace
+      ? `Backdated to its original maturity date (${this.renewalPreview.maturityDate}), at the currently active interest rate.`
+      : `This FD's grace period has passed -- gap-period interest (for the days since maturity) will be ` +
+          `credited at the linked account's rate first, then this renews from today.`;
+  }
+
   /**
    * The amount being split, and the bound the entered partial amount is checked against.
    * <p>
@@ -259,6 +340,31 @@ export class PaymentDialogComponent implements OnInit {
   }
 
   submit(): void {
+    if (this.gapInterestPending) {
+      this.submitting = true;
+      this.submitError = null;
+      this.fixedDepositsService.creditGapInterestIfPastGrace(this.data.accountId).subscribe({
+        next: () => {
+          this.gapInterestPending = false;
+          this.submitGenericPayment();
+        },
+        error: (error: any) => {
+          this.submitting = false;
+          this.submitError =
+            error?.error?.defaultUserMessage ??
+            error?.error?.errors?.[0]?.defaultUserMessage ??
+            'Could not credit gap-period interest. Please review the details and try again.';
+        }
+      });
+      return;
+    }
+    this.submitGenericPayment();
+  }
+
+  /** The same `command=payment` submission every non-Dashboard call to this dialog already used --
+   *  Dashboard-renewal mode reaches it too, once any gap-interest pre-step above has cleared, so every
+   *  closure type behaves identically regardless of where the dialog was opened from. */
+  private submitGenericPayment(): void {
     const formValue = { ...this.paymentForm.value };
     const locale = this.settingsService.language.code;
     const dateFormat = this.settingsService.dateFormat;
@@ -271,7 +377,16 @@ export class PaymentDialogComponent implements OnInit {
     this.fixedDepositsService
       .executeFixedDepositsAccountCommand(this.data.accountId as string, 'payment', data)
       .subscribe({
-        next: () => {
+        next: (response: any) => {
+          // Parked in the Checker Inbox rather than executed -- see the same handling in
+          // PrematureCloseDialogComponent for why an HTTP 200 here can still mean "not applied yet".
+          if (response?.rollbackTransaction) {
+            this.alertService.alert({
+              type: 'Success',
+              message:
+                'This payment has been submitted for approval. The deposit is unchanged until a checker approves it.'
+            });
+          }
           this.dialogRef.close({ confirm: true });
         },
         // Keep the dialog open with the entered values and say what went wrong, rather than leaving a

src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/premature-close-dialog/premature-close-dialog.component.html

@@ -0,0 +1,282 @@
+<!--
+  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="pcd">
+  <div class="pcd__header">
+    <div class="pcd__header-left">
+      <span class="pcd__header-ico"><fa-icon icon="times-circle"></fa-icon></span>
+      <div class="pcd__header-text">
+        <h2 class="pcd__title">{{ 'labels.heading.Premature Close' | translate }}</h2>
+        <p class="pcd__subtitle">
+          Close {{ data.accountNo ?? 'this account' }} before maturity -- interest is recalculated as of the date below,
+          usually at a lower, penalty rate.
+        </p>
+      </div>
+    </div>
+    <button type="button" class="pcd__header-close" mat-dialog-close [disabled]="submitting" title="Close">
+      <fa-icon icon="times"></fa-icon>
+    </button>
+  </div>
+
+  <div mat-dialog-content class="pcd__content">
+    @if (loadFailed) {
+      <div class="pcd__error" role="alert">
+        <fa-icon icon="times-circle" class="m-r-10"></fa-icon>
+        Could not calculate the premature-closure amount for this account. Close this dialog and try again.
+      </div>
+    } @else {
+      <form [formGroup]="prematureCloseForm">
+        <mat-form-field appearance="outline" class="pcd__date" (click)="closedOnDatePicker.open()">
+          <mat-label>{{ 'labels.inputs.Premature Close Date' | translate }}</mat-label>
+          <input
+            matInput
+            [min]="minDate"
+            [max]="maxDate"
+            [matDatepicker]="closedOnDatePicker"
+            required
+            formControlName="closedOnDate"
+          />
+          <mat-datepicker-toggle matSuffix [for]="closedOnDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #closedOnDatePicker></mat-datepicker>
+          @if (prematureCloseForm.controls.closedOnDate.hasError('required')) {
+            <mat-error>
+              {{ 'labels.inputs.Premature Close Date' | translate }} {{ 'labels.commons.is' | translate }}
+              <strong>{{ 'labels.commons.required' | translate }}</strong>
+            </mat-error>
+          }
+        </mat-form-field>
+
+        <mat-form-field appearance="outline">
+          <mat-label>Closure Reason</mat-label>
+          <mat-select formControlName="prematureClosureReasonId">
+            @for (reason of closureReasonOptions; track reason.id) {
+              <mat-option [value]="reason.id">{{ reason.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
+        @if (loadingAmount) {
+          <div class="pcd__loading">
+            <mat-spinner diameter="28"></mat-spinner>
+            <span>Calculating premature-closure amount...</span>
+          </div>
+        } @else {
+          @if (data.activatedOnDate || data.maturityDate || data.currentBalance !== undefined) {
+            <div class="pcd__preview pcd__preview--tenure">
+              @if (data.activatedOnDate) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Current Term Started</span>
+                  <span class="pcd__preview-value">{{ activatedOnDateDisplay }}</span>
+                </div>
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Tenure Completed (this term)</span>
+                  <span class="pcd__preview-value"
+                    >{{ tenureElapsedDisplay }} <span class="pcd__preview-sub">({{ daysElapsed }} days)</span></span
+                  >
+                </div>
+              }
+              @if (data.maturityDate) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Scheduled Maturity Date</span>
+                  <span class="pcd__preview-value"
+                    >{{ maturityDateDisplay }}
+                    <span class="pcd__preview-sub">({{ daysRemainingToMaturity }} days left)</span></span
+                  >
+                </div>
+              }
+              @if (data.currentBalance !== undefined && data.currentBalance !== null) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Current Balance (as of today)</span>
+                  <span class="pcd__preview-value">{{ data.currentBalance | formatNumber }}</span>
+                </div>
+              }
+            </div>
+          }
+
+          @if (maturityAmount !== null && maturityAmount !== undefined) {
+            <div class="pcd__preview">
+              @if (data.depositAmount) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Deposit Amount</span>
+                  <span class="pcd__preview-value">{{ data.depositAmount | formatNumber }}</span>
+                </div>
+              }
+              @if (data.nominalAnnualInterestRate) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Contracted Interest Rate</span>
+                  <span class="pcd__preview-value">{{ data.nominalAnnualInterestRate }}%</span>
+                </div>
+              }
+              @if (effectiveInterestRate !== null && effectiveInterestRate !== undefined) {
+                <div class="pcd__preview-row pcd__preview-row--highlight">
+                  <span class="pcd__preview-label">Effective Rate for this closure</span>
+                  <span class="pcd__preview-value">{{ effectiveInterestRate }}%</span>
+                </div>
+              }
+              @if (data.preClosurePenalApplicable) {
+                <div
+                  class="pcd__preview-row"
+                  [class.pcd__preview-row--waived]="prematureCloseForm.get('waivePreClosurePenalty').value"
+                >
+                  <span class="pcd__preview-label"
+                    >Pre-Closure Penalty (on {{ data.preClosurePenalInterestOnType?.value }})</span
+                  >
+                  <span class="pcd__preview-value">
+                    @if (prematureCloseForm.get('waivePreClosurePenalty').value) {
+                      <span class="pcd__penalty-waived-tag">Waived</span>
+                    } @else {
+                      &minus; {{ data.preClosurePenalInterest }}%
+                    }
+                  </span>
+                </div>
+              }
+              @if (interestEarned !== null) {
+                <div class="pcd__preview-row pcd__preview-row--highlight">
+                  <span class="pcd__preview-label"
+                    >Interest Earned (to {{ 'labels.inputs.Premature Close Date' | translate }})</span
+                  >
+                  <span class="pcd__preview-value"
+                    >{{ interestEarned >= 0 ? '+' : '' }} {{ interestEarned | formatNumber }}</span
+                  >
+                </div>
+              }
+              <div class="pcd__preview-row pcd__preview-row--total">
+                <span class="pcd__preview-label">{{ 'labels.inputs.Maturity Amount' | translate }}</span>
+                <span class="pcd__preview-value">{{ maturityAmount | formatNumber }}</span>
+              </div>
+            </div>
+          }
+
+          @if (data.preClosurePenalApplicable) {
+            @if (isAutoWaivedReason) {
+              <div class="pcd__waive-locked">
+                <fa-icon icon="check-circle" class="m-r-10"></fa-icon>
+                <span>
+                  Penalty automatically waived -- <strong>{{ selectedReasonLabel }}</strong> always waives the
+                  pre-closure penalty, regardless of this checkbox.
+                </span>
+              </div>
+            } @else {
+              <mat-checkbox formControlName="waivePreClosurePenalty" class="pcd__waive-checkbox">
+                Waive the pre-closure penalty for this closure
+                <span class="pcd__waive-hint">
+                  Interest recalculates at the full contracted rate instead of the penalty rate above. This does not
+                  change the product's own penalty setting -- it applies to this one closure only.
+                </span>
+              </mat-checkbox>
+            }
+          }
+
+          <div class="pcd__section-label" id="pcd-action-label">{{ 'labels.inputs.Action' | translate }}</div>
+          <div class="pcd__options" role="radiogroup" aria-labelledby="pcd-action-label">
+            @for (closureOption of onAccountClosureOptions; track closureOption) {
+              <button
+                type="button"
+                class="pcd__option"
+                role="radio"
+                [attr.aria-checked]="prematureCloseForm.get('onAccountClosureId').value === closureOption.id"
+                [class.pcd__option--active]="prematureCloseForm.get('onAccountClosureId').value === closureOption.id"
+                (click)="selectClosureType(closureOption.id)"
+              >
+                <span class="pcd__option-ico"><fa-icon [icon]="iconFor(closureOption.id)"></fa-icon></span>
+                <span class="pcd__option-text">
+                  <span class="pcd__option-title">{{ closureOption.value }}</span>
+                  <span class="pcd__option-desc">{{ descriptionFor(closureOption.id) }}</span>
+                </span>
+                @if (prematureCloseForm.get('onAccountClosureId').value === closureOption.id) {
+                  <fa-icon icon="check-circle" class="pcd__option-check"></fa-icon>
+                }
+              </button>
+            }
+          </div>
+          @if (
+            prematureCloseForm.controls.onAccountClosureId?.hasError('required') &&
+            prematureCloseForm.controls.onAccountClosureId?.touched
+          ) {
+            <div class="pcd__option-error">
+              {{ 'labels.inputs.Account action' | translate }} {{ 'labels.commons.is' | translate }}
+              {{ 'labels.commons.required' | translate }}
+            </div>
+          }
+
+          @if (noDestinationAccounts) {
+            <p class="pcd__hint pcd__hint--warn" role="alert">
+              <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+              This customer has no active savings account to transfer into. Premature closure has to be paid into a
+              savings account, so open one for this customer before closing this deposit.
+            </p>
+          }
+
+          @if (prematureCloseForm.contains('toSavingsAccountId')) {
+            <mat-form-field appearance="outline">
+              <mat-label>{{ 'labels.inputs.Transfer to Savings' | translate }}</mat-label>
+              <mat-select required formControlName="toSavingsAccountId">
+                @for (account of savingsAccountsData; track account) {
+                  <mat-option [value]="account.id">
+                    {{ account.accountNo }}
+                  </mat-option>
+                }
+              </mat-select>
+              @if (prematureCloseForm.controls.toSavingsAccountId?.hasError('required')) {
+                <mat-error>
+                  {{ 'labels.inputs.Transfer to savings account' | translate }} {{ 'labels.commons.is' | translate }}
+                  <strong>{{ 'labels.commons.required' | translate }}</strong>
+                </mat-error>
+              }
+            </mat-form-field>
+          }
+
+          @if (prematureCloseForm.contains('toGlAccountId')) {
+            <mifosx-gl-account-selector
+              [inputFormControl]="toGlAccountControl"
+              [glAccountList]="glAccountsData"
+              [required]="true"
+              [inputLabel]="'Transfer to GL Account'"
+            >
+            </mifosx-gl-account-selector>
+          }
+
+          @if (prematureCloseForm.contains('transferDescription')) {
+            <mat-form-field appearance="outline">
+              <mat-label>{{ 'labels.inputs.Transfer Description' | translate }}</mat-label>
+              <input matInput formControlName="transferDescription" />
+            </mat-form-field>
+          }
+
+          @if (prematureCloseForm.contains('note')) {
+            <mat-form-field appearance="outline">
+              <mat-label>{{ 'labels.inputs.Note' | translate }}</mat-label>
+              <textarea matInput formControlName="note" cdkTextareaAutosize cdkAutosizeMinRows="2"></textarea>
+            </mat-form-field>
+          }
+        }
+
+        @if (submitError) {
+          <p class="pcd__error" role="alert">
+            <fa-icon icon="times-circle" class="m-r-5"></fa-icon>
+            {{ submitError }}
+          </p>
+        }
+      </form>
+    }
+  </div>
+
+  <div mat-dialog-actions align="end" class="pcd__actions">
+    <button mat-button mat-dialog-close [disabled]="submitting" class="pcd__btn-cancel">
+      {{ 'labels.buttons.Cancel' | translate }}
+    </button>
+    <button
+      mat-raised-button
+      class="pcd__btn-submit"
+      [disabled]="!prematureCloseForm?.valid || submitting || loadFailed || loadingAmount"
+      (click)="submit()"
+    >
+      {{ submitting ? ('labels.buttons.Processing' | translate) : ('labels.buttons.Confirm' | translate) }}
+    </button>
+  </div>
+</div>

src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/premature-close-dialog/premature-close-dialog.component.scss

@@ -0,0 +1,468 @@
+/**
+ * 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/.
+ */
+
+/**
+ * Premature Close Dialog Styles
+ * CBSNexora Core Banking System
+ *
+ * Same shape/spacing/typography as the Payment dialog (.pmt__*), in this Danger Zone action's own red
+ * accent on the header and Confirm button, rather than Payment's blue -- an irreversible, usually
+ * penalty-bearing action reads differently from a routine one, everywhere else stays identical so the
+ * two dialogs feel like the same product.
+ */
+
+.pcd {
+  display: flex;
+  flex-direction: column;
+  height: 100%;
+  max-height: 92vh;
+  box-sizing: border-box;
+  font-family:
+    'DM Sans',
+    system-ui,
+    -apple-system,
+    sans-serif;
+  color: #0f172a;
+  border-radius: 16px;
+  overflow: hidden;
+  box-shadow: 0 24px 48px -12px rgb(15 23 42 / 25%);
+}
+
+.pcd__header {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+  padding: 26px 30px;
+  background: linear-gradient(135deg, #7f1d1d 0%, #b91c1c 55%, #dc2626 100%);
+  color: #fff;
+  flex-shrink: 0;
+  position: relative;
+  overflow: hidden;
+
+  &::after {
+    content: '';
+    position: absolute;
+    inset: 0;
+    background: radial-gradient(circle at 88% -20%, rgb(255 255 255 / 22%), transparent 55%);
+    pointer-events: none;
+  }
+
+  &-left {
+    display: flex;
+    align-items: center;
+    gap: 16px;
+    position: relative;
+    z-index: 1;
+  }
+
+  &-ico {
+    width: 48px;
+    height: 48px;
+    border-radius: 14px;
+    background: rgb(255 255 255 / 16%);
+    border: 1px solid rgb(255 255 255 / 25%);
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 20px;
+    color: #fff;
+    flex-shrink: 0;
+  }
+
+  &-text {
+    display: flex;
+    flex-direction: column;
+  }
+
+  &-close {
+    position: relative;
+    z-index: 1;
+    background: rgb(255 255 255 / 14%);
+    border: none;
+    color: #fff;
+    width: 34px;
+    height: 34px;
+    border-radius: 50%;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    cursor: pointer;
+    transition: all 0.2s ease;
+    flex-shrink: 0;
+
+    &:hover:not(:disabled) {
+      background: rgb(255 255 255 / 28%);
+      transform: rotate(90deg);
+    }
+
+    &:disabled {
+      opacity: 0.5;
+      cursor: not-allowed;
+    }
+  }
+}
+
+.pcd__title {
+  margin: 0;
+  font-size: 20px;
+  font-weight: 800;
+  color: #fff;
+  line-height: 1.25;
+  letter-spacing: -0.01em;
+}
+
+.pcd__subtitle {
+  margin: 5px 0 0;
+  font-size: 13px;
+  color: rgb(255 255 255 / 88%);
+  line-height: 1.4;
+}
+
+.pcd__content {
+  padding: 26px 30px !important;
+  overflow-y: auto;
+  flex: 1 1 auto;
+  background: #fbfcfe;
+
+  mat-form-field {
+    width: 100%;
+  }
+}
+
+.pcd__loading {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  color: #64748b;
+  font-size: 13px;
+  padding: 14px 0 18px;
+}
+
+.pcd__preview {
+  display: flex;
+  flex-direction: column;
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 14px;
+  padding: 4px 18px;
+  margin: 0 0 18px;
+
+  &-row {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 12px;
+    padding: 11px 0;
+    border-bottom: 1px solid #f1f5f9;
+
+    &:last-child {
+      border-bottom: none;
+    }
+
+    &--highlight {
+      .pcd__preview-value {
+        color: #b91c1c;
+        font-weight: 800;
+      }
+    }
+
+    &--total {
+      margin: 0 -18px;
+      padding: 14px 18px;
+      background: linear-gradient(135deg, #fef2f2 0%, #fee2e2 100%);
+      border-bottom: none;
+      border-radius: 0 0 12px 12px;
+
+      .pcd__preview-label {
+        color: #b91c1c;
+        font-weight: 700;
+      }
+
+      .pcd__preview-value {
+        color: #0f172a;
+        font-size: 18px;
+        font-weight: 800;
+      }
+    }
+  }
+
+  &-label {
+    font-size: 12.5px;
+    color: #64748b;
+    font-weight: 600;
+  }
+
+  &-value {
+    font-family: 'JetBrains Mono', 'DM Sans', monospace;
+    font-size: 14px;
+    font-weight: 700;
+    color: #0f172a;
+  }
+
+  &-sub {
+    font-family: 'DM Sans', sans-serif;
+    font-size: 11px;
+    font-weight: 500;
+    color: #94a3b8;
+    margin-left: 4px;
+  }
+}
+
+.pcd__preview--tenure {
+  margin-bottom: 14px;
+}
+
+.pcd__preview-row--waived {
+  .pcd__preview-label {
+    color: #16a34a;
+  }
+}
+
+.pcd__penalty-waived-tag {
+  font-family: 'DM Sans', sans-serif;
+  font-size: 11px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  color: #15803d;
+  background: #dcfce7;
+  border: 1px solid #86efac;
+  border-radius: 999px;
+  padding: 3px 10px;
+}
+
+.pcd__waive-checkbox {
+  display: flex;
+  align-items: flex-start;
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 12px;
+  padding: 14px 16px;
+  margin: 0 0 18px;
+  font-size: 13px;
+  font-weight: 600;
+  color: #0f172a;
+
+  ::ng-deep .mdc-form-field {
+    align-items: flex-start;
+  }
+
+  ::ng-deep .mdc-checkbox {
+    margin-top: -9px;
+  }
+}
+
+.pcd__waive-locked {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #f0fdf4;
+  border: 1px solid #bbf7d0;
+  border-left: 4px solid #16a34a;
+  border-radius: 10px;
+  color: #15803d;
+  font-size: 13px;
+  line-height: 1.5;
+  padding: 12px 16px;
+  margin: 0 0 18px;
+
+  strong {
+    color: #166534;
+  }
+}
+
+.pcd__waive-hint {
+  display: block;
+  font-size: 12px;
+  font-weight: 500;
+  color: #64748b;
+  margin-top: 3px;
+  line-height: 1.4;
+}
+
+.pcd__section-label {
+  font-size: 12px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+  color: #475569;
+  margin: 10px 0 12px;
+}
+
+/* Action Options Grid - 2 Equal Columns */
+.pcd__options {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 14px;
+  margin-bottom: 18px;
+
+  @media (width <= 560px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.pcd__option {
+  display: flex;
+  align-items: flex-start;
+  gap: 14px;
+  text-align: left;
+  background: #fff;
+  border: 1.5px solid #e2e8f0;
+  border-radius: 14px;
+  padding: 16px;
+  cursor: pointer;
+  font: inherit;
+  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
+  position: relative;
+
+  &:hover {
+    border-color: #fca5a5;
+    background: #f8fafc;
+    box-shadow: 0 6px 16px rgb(15 23 42 / 6%);
+    transform: translateY(-1px);
+  }
+
+  &--active {
+    border-color: #dc2626;
+    background: #fef2f2;
+    box-shadow: 0 0 0 1.5px #dc2626;
+
+    .pcd__option-ico {
+      background: #dc2626;
+      color: #fff;
+      border-color: #dc2626;
+    }
+  }
+
+  &-ico {
+    width: 38px;
+    height: 38px;
+    min-width: 38px;
+    border-radius: 10px;
+    background: #f1f5f9;
+    border: 1px solid #e2e8f0;
+    color: #dc2626;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 15px;
+    flex-shrink: 0;
+    transition: all 0.2s ease;
+  }
+
+  &-text {
+    display: flex;
+    flex-direction: column;
+    gap: 4px;
+    flex: 1;
+  }
+
+  &-title {
+    font-size: 14px;
+    font-weight: 700;
+    color: #0f172a;
+    line-height: 1.3;
+  }
+
+  &-desc {
+    font-size: 12px;
+    color: #64748b;
+    line-height: 1.4;
+  }
+
+  &-check {
+    color: #dc2626;
+    font-size: 17px;
+    position: absolute;
+    top: 14px;
+    right: 14px;
+  }
+}
+
+.pcd__option-error {
+  color: #b91c1c;
+  font-size: 12px;
+  font-weight: 600;
+  margin: -10px 0 14px;
+}
+
+.pcd__hint {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #f0f9ff;
+  border: 1px solid #bae6fd;
+  border-left: 4px solid #0284c7;
+  border-radius: 10px;
+  color: #0369a1;
+  font-size: 13px;
+  line-height: 1.5;
+  padding: 12px 16px;
+  margin: 0 0 18px;
+
+  &--warn {
+    background: #fffbeb;
+    border-color: #fde68a;
+    border-left-color: #d97706;
+    color: #b45309;
+  }
+}
+
+.pcd__error {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #fef2f2;
+  border: 1px solid #fecaca;
+  border-left: 4px solid #ef4444;
+  border-radius: 10px;
+  color: #b91c1c;
+  font-size: 13px;
+  padding: 12px 16px;
+  margin: 10px 0;
+}
+
+.pcd__actions {
+  padding: 18px 30px !important;
+  border-top: 1px solid #e2e8f0;
+  background: #fff;
+  display: flex;
+  align-items: center;
+  justify-content: flex-end;
+  gap: 14px;
+  flex-shrink: 0;
+
+  .pcd__btn-cancel {
+    border-radius: 10px;
+    font-weight: 600;
+    color: #475569;
+  }
+
+  .pcd__btn-submit {
+    border-radius: 10px;
+    font-weight: 700;
+    padding: 0 26px;
+    height: 42px;
+    background: linear-gradient(135deg, #b91c1c 0%, #dc2626 100%);
+    color: #fff;
+    box-shadow: 0 8px 20px rgb(220 38 38 / 30%);
+    transition: all 0.2s ease;
+
+    &:hover:not(:disabled) {
+      box-shadow: 0 10px 24px rgb(220 38 38 / 40%);
+      transform: translateY(-1px);
+    }
+
+    &:disabled {
+      background: #cbd5e1;
+      box-shadow: none;
+      color: #64748b;
+    }
+  }
+}

src/app/deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/premature-close-dialog/premature-close-dialog.component.ts

@@ -0,0 +1,446 @@
+/**
+ * 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/.
+ */
+
+/** Angular Imports */
+import { Component, OnInit, inject } from '@angular/core';
+import {
+  MAT_DIALOG_DATA,
+  MatDialogRef,
+  MatDialogContent,
+  MatDialogActions,
+  MatDialogClose
+} from '@angular/material/dialog';
+import { CdkScrollable } from '@angular/cdk/scrolling';
+import { CdkTextareaAutosize } from '@angular/cdk/text-field';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { UntypedFormBuilder, UntypedFormGroup, UntypedFormControl, Validators } from '@angular/forms';
+
+/** Custom Services */
+import { FixedDepositsService } from '../../../fixed-deposits.service';
+import { SettingsService } from 'app/settings/settings.service';
+import { AccountingService } from 'app/accounting/accounting.service';
+import { AlertService } from 'app/core/alert/alert.service';
+import { Dates } from 'app/core/utils/dates';
+import { FormatNumberPipe } from '../../../../../pipes/format-number.pipe';
+import { GlAccountSelectorComponent } from 'app/shared/accounting/gl-account-selector/gl-account-selector.component';
+import { GLAccount } from 'app/shared/models/general.model';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * "Premature Close" dialog -- Active-only, no reinvest option (the deposit hasn't matured, so there's
+ * nothing to renew): transfer the pre-maturity balance to a savings account, or post it to a GL account.
+ * There is deliberately no cash payout -- the backend does not offer or accept one for a premature
+ * closure, so the proceeds always stay traceable to an account. Same
+ * `.pcd__*` visual language as the Payment dialog ({@link PaymentDialogComponent}), in this Danger Zone
+ * action's own red accent rather than Payment's blue, since it's an irreversible, usually
+ * penalty-bearing action rather than a routine one.
+ * <p>
+ * The premature amount is date-dependent (unlike Payment's one-shot template load): every change to
+ * Closed On Date re-calls `calculatePrematureAmount`, same as the full-page form this replaces did.
+ */
+@Component({
+  selector: 'mifosx-premature-close-dialog',
+  templateUrl: './premature-close-dialog.component.html',
+  styleUrls: ['./premature-close-dialog.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    CdkScrollable,
+    MatDialogContent,
+    MatDialogActions,
+    MatDialogClose,
+    CdkTextareaAutosize,
+    FaIconComponent,
+    FormatNumberPipe,
+    GlAccountSelectorComponent
+  ]
+})
+export class PrematureCloseDialogComponent implements OnInit {
+  /** The `onAccountClosureId` codes Premature Close can offer -- same codes Payment/Close use. */
+  private static readonly WITHDRAW_DEPOSIT_ID = 100;
+  private static readonly TRANSFER_TO_SAVINGS_ID = 200;
+  private static readonly TRANSFER_TO_GL_ID = 600;
+
+  private static readonly ACTION_ICONS: Record<number, string> = {
+    [PrematureCloseDialogComponent.WITHDRAW_DEPOSIT_ID]: 'money-bill-wave',
+    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'wallet',
+    [PrematureCloseDialogComponent.TRANSFER_TO_GL_ID]: 'book'
+  };
+
+  private static readonly ACTION_DESCRIPTIONS: Record<number, string> = {
+    [PrematureCloseDialogComponent.WITHDRAW_DEPOSIT_ID]: 'Pay out the full balance in cash',
+    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'Move the full balance to another savings account',
+    [PrematureCloseDialogComponent.TRANSFER_TO_GL_ID]: 'Post the full balance to a GL account'
+  };
+
+  /**
+   * Mirrors the backend's PrematureClosureReasonType values exactly -- see that enum for why these
+   * four (everything but Normal) always waive the penalty by RBI policy rather than at the maker's
+   * discretion. `gatedBy` is the product-facility flag (from `data`) that must be true for the option
+   * to even be offered; `null` means always offered. Deceased Settlement / Nominee-Legal Heir Closure
+   * are gated because they are the product's own opt-in facilities (see SavingsProduct
+   * deceasedSettlement/noPenaltyNomineeHeirClosure) -- a product that never enabled one shouldn't let
+   * a maker pick it to bypass a penalty that product's terms don't actually exempt.
+   */
+  private static readonly NORMAL_REASON_ID = 100;
+  private static readonly ALL_CLOSURE_REASONS: {
+    id: number;
+    label: string;
+    autoWaived: boolean;
+    gatedBy: 'deceasedSettlement' | 'noPenaltyNomineeHeirClosure' | null;
+  }[] = [
+    { id: 100, label: 'Normal Premature Closure', autoWaived: false, gatedBy: null },
+    { id: 200, label: 'Premature Extension / Renewal', autoWaived: true, gatedBy: null },
+    { id: 300, label: 'Conversion to Another Term Deposit', autoWaived: true, gatedBy: null },
+    { id: 400, label: 'Deceased Settlement', autoWaived: true, gatedBy: 'deceasedSettlement' },
+    { id: 500, label: 'Nominee / Legal Heir Closure', autoWaived: true, gatedBy: 'noPenaltyNomineeHeirClosure' }
+  ];
+
+  dialogRef = inject<MatDialogRef<PrematureCloseDialogComponent>>(MatDialogRef);
+  data: {
+    accountId: number | string;
+    accountNo?: string;
+    depositAmount?: number;
+    nominalAnnualInterestRate?: number;
+    preClosurePenalApplicable?: boolean;
+    preClosurePenalInterest?: number;
+    preClosurePenalInterestOnType?: { value: string };
+    deceasedSettlement?: boolean;
+    noPenaltyNomineeHeirClosure?: boolean;
+    activatedOnDate?: any;
+    maturityDate?: any;
+    currentBalance?: number;
+  } = inject(MAT_DIALOG_DATA);
+  private formBuilder = inject(UntypedFormBuilder);
+  private fixedDepositsService = inject(FixedDepositsService);
+  private settingsService = inject(SettingsService);
+  private accountingService = inject(AccountingService);
+  private alertService = inject(AlertService);
+  private dateUtils = inject(Dates);
+
+  prematureCloseForm: UntypedFormGroup;
+  onAccountClosureOptions: any[] = [];
+  savingsAccountsData: any[] = [];
+  /** Postable GL accounts, loaded once -- only read when the GL action is chosen. */
+  glAccountsData: GLAccount[] = [];
+  maturityAmount: number = null;
+  /** The rate actually resolved for THIS preview by the backend (actual-period vs contracted,
+   *  penalty-deducted or not) -- distinct from data.nominalAnnualInterestRate, which is always the
+   *  account's unmodified contracted rate. Read fresh on every recalculation. */
+  effectiveInterestRate: number = null;
+  loadingAmount = true;
+  loadFailed = false;
+  submitting = false;
+  submitError: string = null;
+  minDate = new Date(2000, 0, 1);
+  maxDate: Date;
+
+  ngOnInit(): void {
+    this.maxDate = this.settingsService.businessDate;
+    this.prematureCloseForm = this.formBuilder.group({
+      closedOnDate: [
+        this.maxDate,
+        Validators.required
+      ],
+      // Both always present (not added conditionally like onAccountClosureId below) so submit()
+      // always carries a value, even for a product with no penalty configured at all -- the backend
+      // ignores them there anyway, since there is nothing to waive.
+      prematureClosureReasonId: [PrematureCloseDialogComponent.NORMAL_REASON_ID],
+      waivePreClosurePenalty: [false]
+    });
+
+    this.prematureCloseForm
+      .get('closedOnDate')
+      .valueChanges.subscribe((date: Date) => this.calculatePrematureAmount(date));
+    // Waiving/un-waiving recalculates the preview the same way changing the date does -- the maker
+    // should see the actual amount they're about to confirm, not the penalty-applied one, the moment
+    // they tick the box.
+    this.prematureCloseForm
+      .get('waivePreClosurePenalty')
+      .valueChanges.subscribe(() => this.calculatePrematureAmount(this.prematureCloseForm.get('closedOnDate').value));
+    // Picking an RBI-mandated waiver reason forces the checkbox on (see onClosureReasonChange) and,
+    // like it, recalculates the preview so the amount shown always matches the reason selected.
+    this.prematureCloseForm
+      .get('prematureClosureReasonId')
+      .valueChanges.subscribe((id: number) => this.onClosureReasonChange(id));
+    // Same date the form already starts with -- without this the amount/options never load unless the
+    // maker happens to touch the date picker, which the full-page form this replaces required too.
+    this.calculatePrematureAmount(this.maxDate);
+  }
+
+  /** The reason list this account's product actually allows -- see ALL_CLOSURE_REASONS' `gatedBy`. */
+  get closureReasonOptions(): { id: number; label: string; autoWaived: boolean }[] {
+    return PrematureCloseDialogComponent.ALL_CLOSURE_REASONS.filter(
+      (reason) => !reason.gatedBy || this.data[reason.gatedBy]
+    );
+  }
+
+  /** True when the selected reason waives the penalty by policy, not maker choice -- the checkbox is
+   *  hidden in favour of a plain statement of that fact when this is true (see the template). */
+  get isAutoWaivedReason(): boolean {
+    return !!this.selectedReason?.autoWaived;
+  }
+
+  get selectedReasonLabel(): string {
+    return this.selectedReason?.label ?? '';
+  }
+
+  private get selectedReason(): { id: number; label: string; autoWaived: boolean } | undefined {
+    const id = this.prematureCloseForm?.get('prematureClosureReasonId')?.value;
+    return PrematureCloseDialogComponent.ALL_CLOSURE_REASONS.find((reason) => reason.id === id);
+  }
+
+  private onClosureReasonChange(reasonId: number): void {
+    const reason = PrematureCloseDialogComponent.ALL_CLOSURE_REASONS.find((r) => r.id === reasonId);
+    if (reason?.autoWaived) {
+      // emitEvent: false -- the explicit calculatePrematureAmount call below already covers this
+      // change; without it, this setValue would also fire waivePreClosurePenalty's own subscription
+      // and the amount would be calculated twice for one reason change.
+      this.prematureCloseForm.get('waivePreClosurePenalty').setValue(true, { emitEvent: false });
+    }
+    this.calculatePrematureAmount(this.prematureCloseForm.get('closedOnDate').value);
+  }
+
+  private calculatePrematureAmount(date: Date): void {
+    this.loadingAmount = true;
+    this.loadFailed = false;
+    const locale = this.settingsService.language.code;
+    const dateFormat = this.settingsService.dateFormat;
+    const data = {
+      closedOnDate: this.dateUtils.formatDate(date, dateFormat),
+      dateFormat,
+      locale,
+      prematureClosureReasonId: this.prematureCloseForm.get('prematureClosureReasonId')?.value,
+      waivePreClosurePenalty: !!this.prematureCloseForm.get('waivePreClosurePenalty')?.value
+    };
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.data.accountId as string, 'calculatePrematureAmount', data)
+      .subscribe({
+        next: (response: any) => {
+          this.savingsAccountsData = response.savingsAccounts ?? [];
+          this.onAccountClosureOptions = response.onAccountClosureOptions ?? [];
+          this.maturityAmount = response.maturityAmount;
+          this.effectiveInterestRate = response.nominalAnnualInterestRate ?? null;
+          this.loadingAmount = false;
+          if (!this.prematureCloseForm.contains('onAccountClosureId')) {
+            this.prematureCloseForm.addControl('onAccountClosureId', new UntypedFormControl('', Validators.required));
+            this.prematureCloseForm.addControl('note', new UntypedFormControl(''));
+            this.prematureCloseForm
+              .get('onAccountClosureId')
+              .valueChanges.subscribe((id: number) => this.onClosureTypeChange(id));
+          }
+        },
+        // Without this the spinner would run forever on a failed load, leaving Cancel as the only way out.
+        error: () => {
+          this.loadingAmount = false;
+          this.loadFailed = true;
+        }
+      });
+  }
+
+  /** Adds/removes the destination control to match what the chosen type needs. */
+  private onClosureTypeChange(id: number): void {
+    const toSavings = id === PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID;
+    const toGl = id === PrematureCloseDialogComponent.TRANSFER_TO_GL_ID;
+
+    if (toSavings && !this.prematureCloseForm.contains('toSavingsAccountId')) {
+      this.prematureCloseForm.addControl('toSavingsAccountId', new UntypedFormControl('', Validators.required));
+    } else if (!toSavings) {
+      this.prematureCloseForm.removeControl('toSavingsAccountId');
+    }
+
+    if (toGl) {
+      if (!this.prematureCloseForm.contains('toGlAccountId')) {
+        this.prematureCloseForm.addControl('toGlAccountId', new UntypedFormControl('', Validators.required));
+      }
+      this.loadGlAccounts();
+    } else {
+      this.prematureCloseForm.removeControl('toGlAccountId');
+    }
+
+    // Both destinations carry the description through -- to the account transfer, or to the narration on
+    // the journal entry that credits the GL account.
+    if ((toSavings || toGl) && !this.prematureCloseForm.contains('transferDescription')) {
+      this.prematureCloseForm.addControl('transferDescription', new UntypedFormControl(''));
+    } else if (!toSavings && !toGl) {
+      this.prematureCloseForm.removeControl('transferDescription');
+    }
+  }
+
+  /** Fetched on first use rather than with the dialog, since most closures never pick the GL action. */
+  private loadGlAccounts(): void {
+    if (this.glAccountsData.length) {
+      return;
+    }
+    this.accountingService.getGlAccounts().subscribe((accounts: GLAccount[]) => {
+      this.glAccountsData = accounts ?? [];
+    });
+  }
+
+  /** The GL selector takes a control instance, not a control name. */
+  get toGlAccountControl(): UntypedFormControl {
+    return this.prematureCloseForm.get('toGlAccountId') as UntypedFormControl;
+  }
+
+  /** The gap between the deposit and the computed maturity amount -- the actual interest this premature
+   *  closure earns, at whatever rate (contracted, or the lower pre-closure-penalty one below) applied. */
+  get interestEarned(): number | null {
+    if (this.maturityAmount === null || this.maturityAmount === undefined || !this.data.depositAmount) {
+      return null;
+    }
+    return Number(this.maturityAmount) - Number(this.data.depositAmount);
+  }
+
+  get activatedOnDateDisplay(): string {
+    return this.formatFullDate(this.data.activatedOnDate);
+  }
+
+  get maturityDateDisplay(): string {
+    return this.formatFullDate(this.data.maturityDate);
+  }
+
+  /**
+   * The date every "as of" figure in this dialog is measured against -- the maker's own chosen Premature
+   * Close Date, falling back to Fineract's configured Business Date. Deliberately NOT the real-world
+   * clock (`new Date()`): Fineract's business date can lag behind the calendar (a bank's own admin
+   * advances it), and the backend's interest calculation is measured from THIS date, not today's actual
+   * date. Using the real clock here previously showed a "days elapsed" figure that disagreed with the
+   * interest the backend actually computed for the same closure -- both must read off the same clock.
+   */
+  private get referenceDate(): Date {
+    const picked = this.prematureCloseForm?.get('closedOnDate')?.value;
+    return picked instanceof Date ? picked : this.maxDate;
+  }
+
+  /** Days from the current term's start to the chosen closure date -- 0 if the date is missing or the
+   *  closure date is somehow before it, rather than a negative. */
+  get daysElapsed(): number | null {
+    const start = this.data.activatedOnDate ? this.dateUtils.parseDate(this.data.activatedOnDate) : null;
+    if (!start) {
+      return null;
+    }
+    return Math.max(0, this.dateUtils.calculateDiff(start, this.referenceDate));
+  }
+
+  /** Days from the chosen closure date to the scheduled maturity date -- 0 once matured/overdue rather
+   *  than negative, since this dialog is for a still-Active account closing early, not a matured one. */
+  get daysRemainingToMaturity(): number | null {
+    const maturity = this.data.maturityDate ? this.dateUtils.parseDate(this.data.maturityDate) : null;
+    if (!maturity) {
+      return null;
+    }
+    return Math.max(0, this.dateUtils.calculateDiff(this.referenceDate, maturity));
+  }
+
+  /** Elapsed tenure as Years/Months/Days, the way a real passbook states it, rather than a raw day
+   *  count that is hard to read for a multi-year FD. */
+  get tenureElapsedDisplay(): string {
+    const start = this.data.activatedOnDate ? this.dateUtils.parseDate(this.data.activatedOnDate) : null;
+    if (!start) {
+      return '—';
+    }
+    const { years, months, days } = PrematureCloseDialogComponent.yearsMonthsDaysBetween(start, this.referenceDate);
+    const parts: string[] = [];
+    if (years > 0) {
+      parts.push(`${years} yr${years === 1 ? '' : 's'}`);
+    }
+    if (months > 0) {
+      parts.push(`${months} mo${months === 1 ? '' : 's'}`);
+    }
+    if (days > 0 || parts.length === 0) {
+      parts.push(`${days} day${days === 1 ? '' : 's'}`);
+    }
+    return parts.join(', ');
+  }
+
+  private formatFullDate(value: any): string {
+    if (!value) {
+      return '—';
+    }
+    const parsed = this.dateUtils.parseDate(value);
+    // "28 September 2026" -- day/month-name/year, so this reads unambiguously regardless of the
+    // account's own configured short date format elsewhere in the app.
+    return this.dateUtils.formatDate(parsed, 'd MMMM y');
+  }
+
+  private static yearsMonthsDaysBetween(start: Date, end: Date): { years: number; months: number; days: number } {
+    let years = end.getFullYear() - start.getFullYear();
+    let months = end.getMonth() - start.getMonth();
+    let days = end.getDate() - start.getDate();
+    if (days < 0) {
+      months -= 1;
+      const daysInPreviousMonth = new Date(end.getFullYear(), end.getMonth(), 0).getDate();
+      days += daysInPreviousMonth;
+    }
+    if (months < 0) {
+      years -= 1;
+      months += 12;
+    }
+    return { years: Math.max(0, years), months: Math.max(0, months), days: Math.max(0, days) };
+  }
+
+  /** True when the chosen action needs a destination account but the customer has none to pick. */
+  get noDestinationAccounts(): boolean {
+    return (
+      !this.loadingAmount &&
+      this.prematureCloseForm?.contains('toSavingsAccountId') &&
+      this.savingsAccountsData.length === 0
+    );
+  }
+
+  iconFor(id: number): string {
+    return PrematureCloseDialogComponent.ACTION_ICONS[id] ?? 'circle';
+  }
+
+  descriptionFor(id: number): string {
+    return PrematureCloseDialogComponent.ACTION_DESCRIPTIONS[id] ?? '';
+  }
+
+  selectClosureType(id: number): void {
+    this.prematureCloseForm.get('onAccountClosureId').setValue(id);
+    this.prematureCloseForm.get('onAccountClosureId').markAsTouched();
+  }
+
+  submit(): void {
+    const formValue = { ...this.prematureCloseForm.value };
+    const locale = this.settingsService.language.code;
+    const dateFormat = this.settingsService.dateFormat;
+    if (formValue.closedOnDate instanceof Date) {
+      formValue.closedOnDate = this.dateUtils.formatDate(formValue.closedOnDate, dateFormat);
+    }
+    const data = { ...formValue, dateFormat, locale };
+    this.submitting = true;
+    this.submitError = null;
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.data.accountId as string, 'prematureClose', data)
+      .subscribe({
+        next: (response: any) => {
+          // A command on a maker-checker permission is parked in the Checker Inbox, not executed:
+          // the platform rolls its transaction back and still answers HTTP 200 with
+          // rollbackTransaction: true. Without saying so, the dialog closes and the account reloads
+          // unchanged -- which reads as "nothing happened" rather than "waiting for approval".
+          if (response?.rollbackTransaction) {
+            this.alertService.alert({
+              type: 'Success',
+              message:
+                'Premature closure has been submitted for approval. The deposit is unchanged until a checker approves it.'
+            });
+          }
+          this.dialogRef.close({ confirm: true });
+        },
+        // Keep the dialog open with the entered values and say what went wrong, rather than leaving a
+        // permanently disabled Confirm behind whatever modal the global interceptor threw up.
+        error: (error: any) => {
+          this.submitting = false;
+          this.submitError =
+            error?.error?.defaultUserMessage ??
+            error?.error?.errors?.[0]?.defaultUserMessage ??
+            'This account could not be prematurely closed. Please review the details and try again.';
+        }
+      });
+  }
+}

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

@@ -17,6 +17,7 @@ import { CalculateInterestDialogComponent } from './custom-dialogs/calculate-int
 import { PostInterestDialogComponent } from './custom-dialogs/post-interest-dialog/post-interest-dialog.component';
 import { ToggleWithholdTaxDialogComponent } from './custom-dialogs/toggle-withhold-tax-dialog/toggle-withhold-tax-dialog.component';
 import { PaymentDialogComponent } from './custom-dialogs/payment-dialog/payment-dialog.component';
+import { PrematureCloseDialogComponent } from './custom-dialogs/premature-close-dialog/premature-close-dialog.component';
 import { DepositCertificateDialogComponent } from 'app/shared/deposit-certificate-dialog/deposit-certificate-dialog.component';
 
 /** Custom Button Config. */
@@ -29,6 +30,7 @@ import { AccountsService } from 'app/accounts/accounts.service';
 import { Currency } from 'app/shared/models/general.model';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 import { AuthenticationService } from '../../../core/authentication/authentication.service';
 import { MatTooltip } from '@angular/material/tooltip';
 import { NgClass, CurrencyPipe } from '@angular/common';
@@ -73,6 +75,7 @@ import { DormancyAlertPanelComponent } from 'app/shared/dormancy-alert-panel/dor
 export class FixedDepositAccountViewComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
+  private alertService = inject(AlertService);
   private fixedDepositsService = inject(FixedDepositsService);
   private savingsService = inject(SavingsService);
   private accountsService = inject(AccountsService);
@@ -238,7 +241,6 @@ export class FixedDepositAccountViewComponent implements OnInit {
       case 'Undo Activation':
       case 'Add Charge':
       case 'Withdrawn by Client':
-      case 'Premature Close':
       case 'Deposit':
       case 'Withdrawal':
         this.router.navigate([`actions/${name}`], { relativeTo: this.route });
@@ -267,16 +269,21 @@ export class FixedDepositAccountViewComponent implements OnInit {
       case 'Payment':
         this.openPaymentDialog();
         break;
+      case 'Premature Close':
+        this.openPrematureCloseDialog();
+        break;
     }
   }
 
   /**
-   * Opens the Payment action -- unlike Premature Close/Close, works whether the account is Active or
-   * Matured, and is the only place a Partial Reinvest can be done.
+   * Opens the Payment action -- only offered once the FD has actually Matured (see
+   * FixedDepositsButtonsConfiguration), and the only place a Partial Reinvest can be done. Also the
+   * exact same dialog the FD Dashboard's Renew action opens (see fd-dashboard.component.ts's
+   * openRenewDialog), just without dashboardRenewal data, so its date picker stays visible.
    */
   private openPaymentDialog(): void {
     const paymentDialogRef = this.dialog.open(PaymentDialogComponent, {
-      width: '640px',
+      width: '720px',
       maxWidth: '95vw',
       data: {
         accountId: this.fixedDepositsAccountData.id,
@@ -293,6 +300,60 @@ export class FixedDepositAccountViewComponent implements OnInit {
     });
   }
 
+  /**
+   * The start date of the term currently running -- the last entry in renewalHistory, which is ordered
+   * oldest-first (see RenewalHistoryTabComponent). Falls back to the account's own activation date for
+   * an FD that has never been renewed (or whose renewalHistory hasn't loaded), which is the same date
+   * in that case anyway.
+   */
+  private get currentTermStartDate(): any {
+    const history = this.fixedDepositsAccountData?.renewalHistory;
+    const latestTerm = Array.isArray(history) && history.length > 0 ? history[history.length - 1] : null;
+    return latestTerm?.activatedondate ?? this.fixedDepositsAccountData?.timeline?.activatedOnDate;
+  }
+
+  /**
+   * Opens the Premature Close action -- Active-only, no reinvest option, since the deposit hasn't
+   * matured yet.
+   */
+  private openPrematureCloseDialog(): void {
+    const prematureCloseDialogRef = this.dialog.open(PrematureCloseDialogComponent, {
+      width: '720px',
+      maxWidth: '95vw',
+      data: {
+        accountId: this.fixedDepositsAccountData.id,
+        accountNo: this.fixedDepositsAccountData.fdAccountNumber || this.fixedDepositsAccountData.accountNo,
+        // calculatePrematureAmount only ever returns the final maturityAmount, not how it was reached --
+        // these come from the account's own data (already loaded for this page) so the dialog can show
+        // the breakdown (deposit, contracted rate, penalty, interest earned) behind that one number.
+        depositAmount: this.fixedDepositsAccountData.depositAmount,
+        nominalAnnualInterestRate: this.fixedDepositsAccountData.nominalAnnualInterestRate,
+        preClosurePenalApplicable: this.fixedDepositsAccountData.preClosurePenalApplicable,
+        preClosurePenalInterest: this.fixedDepositsAccountData.preClosurePenalInterest,
+        preClosurePenalInterestOnType: this.fixedDepositsAccountData.preClosurePenalInterestOnType,
+        // Gate which RBI-mandated waiver reasons the dialog offers -- these two are the product's own
+        // facility toggles (Deceased Settlement / No Penalty Nominee-Heir Closure), off by default, so
+        // a product that never enabled them shouldn't offer a reason implying it did.
+        deceasedSettlement: this.fixedDepositsAccountData.deceasedSettlement,
+        noPenaltyNomineeHeirClosure: this.fixedDepositsAccountData.noPenaltyNomineeHeirClosure,
+        // Tenure context (current term's start date, maturity date, current balance) so the dialog can
+        // show how far into THIS term the account is and how much is actually sitting in it today, not
+        // just the penalty-adjusted amount calculatePrematureAmount returns. Deliberately the current
+        // term's own start (see currentTermStartDate), not the account's original activation -- a
+        // renewed FD's interest/tenure runs from the renewal, and showing the original activation date
+        // here would make an account renewed days ago look like it has been running for months.
+        activatedOnDate: this.currentTermStartDate,
+        maturityDate: this.fixedDepositsAccountData.maturityDate,
+        currentBalance: this.fixedDepositsAccountData.summary?.accountBalance
+      }
+    });
+    prematureCloseDialogRef.afterClosed().subscribe((response: any) => {
+      if (response?.confirm) {
+        this.reload();
+      }
+    });
+  }
+
   /**
    * Deletes Fixed Deposits Account.
    */
@@ -360,7 +421,16 @@ export class FixedDepositAccountViewComponent implements OnInit {
       if (response.confirm) {
         this.fixedDepositsService
           .executeFixedDepositsAccountCommand(this.fixedDepositsAccountData.id, 'postInterest', {})
-          .subscribe(() => {
+          .subscribe((commandResponse: any) => {
+            // Parked in the Checker Inbox rather than executed (HTTP 200 with
+            // rollbackTransaction: true), so the reload below shows no new interest posting.
+            if (commandResponse?.rollbackTransaction) {
+              this.alertService.alert({
+                type: 'Success',
+                message:
+                  'Interest posting has been sent for checker approval. No interest is posted until a checker approves it.'
+              });
+            }
             this.reload();
           });
       }

src/app/deposits/fixed-deposits/fixed-deposit-account-view/fixed-deposits-buttons.config.ts

@@ -57,11 +57,12 @@ export class FixedDepositsButtonsConfiguration {
         ];
         break;
       case 'Matured':
+        // 'Close' (the generic Fineract apply-maturity-instructions action) is deliberately left out
+        // here -- what happens to a matured FD is now handled either automatically by the nightly job
+        // (an account opened with an explicit instruction) or manually via the FD Dashboard's Renew
+        // action (an account left without one, backdated within grace / gap-interest after). Closing
+        // from here would go around both of those paths.
         this.buttonsArray = [
-          {
-            name: 'Close',
-            icon: 'fa fa-arrow-right'
-          },
           {
             name: 'Calculate Interest',
             icon: 'fa fa-table'
@@ -109,7 +110,18 @@ export class FixedDepositsButtonsConfiguration {
   setOptions(status: string) {
     switch (status) {
       case 'Active':
+        this.optionArray = [
+          {
+            name: 'Post Interest'
+          },
+          {
+            name: 'Add Charge'
+          }
+        ];
+        break;
       case 'Matured':
+        // Payment only makes sense once the deposit has actually matured -- an Active FD that needs
+        // closing early already has Premature Close for that.
         this.optionArray = [
           {
             name: 'Post Interest'

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

@@ -41,8 +41,8 @@
       ) {
         <div class="rh-node">
           <div class="rh-node__rail">
-            <span class="rh-node__dot" [class.rh-node__dot--active]="term.renewalstatus === 'ACTIVE'">
-              @if (term.renewalstatus === 'ACTIVE') {
+            <span class="rh-node__dot" [class.rh-node__dot--active]="isTermActive(term, last)">
+              @if (isTermActive(term, last)) {
                 <span class="rh-node__pulse"></span>
               }
             </span>
@@ -51,15 +51,15 @@
             }
           </div>
 
-          <div class="rh-card" [class.rh-card--active]="term.renewalstatus === 'ACTIVE'">
+          <div class="rh-card" [class.rh-card--active]="isTermActive(term, last)">
             <div class="rh-card__head">
               <div class="rh-card__title-group">
                 <h4 class="rh-card__title">
                   {{ term.renewalcycleno === 0 ? 'Original Term' : 'Renewal ' + term.renewalcycleno }}
                 </h4>
-                <span class="rh-badge" [class.rh-badge--active]="term.renewalstatus === 'ACTIVE'">
-                  <fa-icon [icon]="term.renewalstatus === 'ACTIVE' ? 'check-circle' : 'clock'"></fa-icon>
-                  {{ term.renewalstatus === 'ACTIVE' ? 'Active' : 'Matured' }}
+                <span class="rh-badge" [class.rh-badge--active]="isTermActive(term, last)">
+                  <fa-icon [icon]="isTermActive(term, last) ? 'check-circle' : 'clock'"></fa-icon>
+                  {{ termStatusLabel(term, last) }}
                 </span>
                 @if (renewalTypeLabel(term)) {
                   <span class="rh-tag">
@@ -95,7 +95,7 @@
               </div>
               <div class="rh-stat">
                 <span class="rh-stat__label">{{
-                  term.renewalstatus === 'ACTIVE' ? 'Interest So Far' : 'Interest Earned'
+                  isTermActive(term, last) ? 'Interest So Far' : 'Interest Earned'
                 }}</span>
                 <span class="rh-stat__value rh-stat__value--positive">
                   {{
@@ -106,9 +106,7 @@
                 </span>
               </div>
               <div class="rh-stat rh-stat--highlight">
-                <span class="rh-stat__label">{{
-                  term.maturedamount === null || term.maturedamount === undefined ? 'Projected Maturity' : 'Matured At'
-                }}</span>
+                <span class="rh-stat__label">{{ maturityLabel(term, last) }}</span>
                 <span class="rh-stat__value">
                   {{ maturityFor(term) | currency: currency.code : 'symbol-narrow' }}
                 </span>

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

@@ -183,6 +183,51 @@ export class RenewalHistoryTabComponent implements OnInit {
     return term?.renewaltype === 'MANUAL' ? 'user-cog' : 'robot';
   }
 
+  /**
+   * Whether one term's card should show as "still running". `term.renewalstatus` only ever flips from
+   * ACTIVE to MATURED when a term rolls into its successor (see FixedDepositRenewalHistory#markMatured
+   * on the backend) -- a premature closure never touches that row, so the latest term's archived status
+   * would read ACTIVE forever even after the whole account has closed. For the LAST term only, this
+   * cross-checks the account's own live status instead of trusting the archived flag; every earlier
+   * term is reliably matured already (something renewed past it), so its own renewalstatus is
+   * trustworthy as-is and doesn't need the live account status at all.
+   */
+  isTermActive(term: any, isLast: boolean): boolean {
+    if (isLast && this.fixedDepositsAccountData?.status) {
+      return !!this.fixedDepositsAccountData.status.active;
+    }
+    return term?.renewalstatus === 'ACTIVE';
+  }
+
+  /** Badge text for one term's card -- see {@link isTermActive} for why the last term needs its own check. */
+  termStatusLabel(term: any, isLast: boolean): string {
+    if (this.isTermActive(term, isLast)) {
+      return 'Active';
+    }
+    if (isLast && this.fixedDepositsAccountData?.status?.prematureClosed) {
+      return 'Premature Closed';
+    }
+    return 'Matured';
+  }
+
+  /**
+   * Label for the maturity/value figure -- "Projected Maturity" only makes sense while the term is
+   * still genuinely running towards that projection. `term.maturedamount` (the archived settled value)
+   * is only ever written when a term rolls into its successor, same gap as {@link isTermActive}: a
+   * premature closure settles the account without ever touching that column, so the last term would
+   * keep reading as a live projection forever even though the figure showing is already the final,
+   * settled one (see {@link maturityFor}).
+   */
+  maturityLabel(term: any, isLast: boolean): string {
+    if (term?.maturedamount != null) {
+      return 'Matured At';
+    }
+    if (isLast && !this.isTermActive(term, isLast)) {
+      return 'Closed At';
+    }
+    return 'Projected Maturity';
+  }
+
   /**
    * The rate-by-tenure chart for one term of this FD's history, normalised to one shape regardless of source.
    *

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/approve-fixed-deposits-account/approve-fixed-deposits-account.component.ts

@@ -11,6 +11,7 @@ import { Component, OnInit, inject } from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /** Custom Services */
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
@@ -37,6 +38,7 @@ export class ApproveFixedDepositsAccountComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private settingsService = inject(SettingsService);
+  private alertService = inject(AlertService);
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -98,7 +100,21 @@ export class ApproveFixedDepositsAccountComponent implements OnInit {
       dateFormat,
       locale
     };
-    this.fixedDepositsService.executeFixedDepositsAccountCommand(this.accountId, 'approve', data).subscribe(() => {
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.accountId, 'approve', data)
+      .subscribe((response: any) => {
+        // Parked in the Checker Inbox rather than executed (HTTP 200 with rollbackTransaction: true).
+        // The account is therefore still pending, so chaining activation onto it would be applied to an
+        // unapproved account -- stop here and say what is actually waiting.
+        if (response?.rollbackTransaction) {
+          this.alertService.alert({
+            type: 'Success',
+            message:
+              'This approval has been sent for checker approval. The account stays pending until a checker approves it.'
+          });
+          this.router.navigate(['../../'], { relativeTo: this.route });
+          return;
+        }
         const activationData = {
           activatedOnDate: approveFixedDepositsAccountFormData.approvedOnDate,
           dateFormat,

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/close-fixed-deposits-account/close-fixed-deposits-account.component.ts

@@ -21,6 +21,7 @@ import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { FixedDepositsService } from '../../fixed-deposits.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
@@ -43,6 +44,7 @@ export class CloseFixedDepositsAccountComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private settingsService = inject(SettingsService);
+  private alertService = inject(AlertService);
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -139,7 +141,17 @@ export class CloseFixedDepositsAccountComponent implements OnInit {
       dateFormat,
       locale
     };
-    this.fixedDepositsService.executeFixedDepositsAccountCommand(this.accountId, 'close', data).subscribe(() => {
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.accountId, 'close', data)
+      .subscribe((response: any) => {
+        // Parked in the Checker Inbox rather than executed (HTTP 200 with rollbackTransaction: true),
+        // so the deposit reloads unchanged -- say so instead of letting that read as "nothing happened".
+        if (response?.rollbackTransaction) {
+          this.alertService.alert({
+            type: 'Success',
+            message: 'Closure has been sent for checker approval. The deposit is unchanged until a checker approves it.'
+          });
+        }
         this.router.navigate(['../../'], { relativeTo: this.route });
       });
   }

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/fixed-deposits-account-actions.component.html

@@ -24,9 +24,6 @@
 @if (actions['Add Charge']) {
   <mifosx-add-charge-fixed-deposits-account></mifosx-add-charge-fixed-deposits-account>
 }
-@if (actions['Premature Close']) {
-  <mifosx-premature-close-fixed-deposits-account></mifosx-premature-close-fixed-deposits-account>
-}
 @if (actions['Close']) {
   <mifosx-close-fixed-deposits-account></mifosx-close-fixed-deposits-account>
 }

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/fixed-deposits-account-actions.component.ts

@@ -15,7 +15,6 @@ import { ActivateFixedDepositsAccountComponent } from './activate-fixed-deposits
 import { UndoApprovalFixedDepositsAccountComponent } from './undo-approval-fixed-deposits-account/undo-approval-fixed-deposits-account.component';
 import { WithdrawByClientFixedDepositsAccountComponent } from './withdraw-by-client-fixed-deposits-account/withdraw-by-client-fixed-deposits-account.component';
 import { AddChargeFixedDepositsAccountComponent } from './add-charge-fixed-deposits-account/add-charge-fixed-deposits-account.component';
-import { PrematureCloseFixedDepositsAccountComponent } from './premature-close-fixed-deposits-account/premature-close-fixed-deposits-account.component';
 import { CloseFixedDepositsAccountComponent } from './close-fixed-deposits-account/close-fixed-deposits-account.component';
 import { FixedDepositsCashTransactionComponent } from './fixed-deposits-cash-transaction/fixed-deposits-cash-transaction.component';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -35,7 +34,6 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     UndoApprovalFixedDepositsAccountComponent,
     WithdrawByClientFixedDepositsAccountComponent,
     AddChargeFixedDepositsAccountComponent,
-    PrematureCloseFixedDepositsAccountComponent,
     CloseFixedDepositsAccountComponent,
     FixedDepositsCashTransactionComponent
   ]
@@ -52,7 +50,6 @@ export class FixedDepositsAccountActionsComponent {
     'Undo Approval': boolean;
     'Undo Activation': boolean;
     'Add Charge': boolean;
-    'Premature Close': boolean;
     'Withdrawn by Client': boolean;
     Withdrawal: boolean;
     Deposit: boolean;
@@ -64,7 +61,6 @@ export class FixedDepositsAccountActionsComponent {
     'Undo Approval': false,
     'Undo Activation': false,
     'Add Charge': false,
-    'Premature Close': false,
     'Withdrawn by Client': false,
     Withdrawal: false,
     Deposit: false

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/premature-close-fixed-deposits-account/premature-close-fixed-deposits-account.component.html

@@ -1,105 +0,0 @@
-<!--
-  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="container">
-  <mat-card>
-    <form [formGroup]="prematureCloseAccountForm" (ngSubmit)="submit()">
-      <mat-card-content>
-        <div class="layout-column">
-          <mat-form-field (click)="closedOnDatePicker.open()">
-            <mat-label>{{ 'labels.inputs.Premature Close Date' | translate }}</mat-label>
-            <input
-              matInput
-              [min]="minDate"
-              [max]="maxDate"
-              [matDatepicker]="closedOnDatePicker"
-              required
-              formControlName="closedOnDate"
-            />
-            <mat-datepicker-toggle matSuffix [for]="closedOnDatePicker"></mat-datepicker-toggle>
-            <mat-datepicker #closedOnDatePicker></mat-datepicker>
-            @if (prematureCloseAccountForm.controls.closedOnDate.hasError('required')) {
-              <mat-error>
-                {{ 'labels.inputs.Premature Close Date' | translate }} {{ 'labels.commons.is' | translate }}
-                <strong>{{ 'labels.commons.required' | translate }}</strong>
-              </mat-error>
-            }
-          </mat-form-field>
-
-          @if (prematureCloseAccountForm.controls.maturityAmount) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Maturity Amount' | translate }}</mat-label>
-              <input type="number" matInput formControlName="maturityAmount" />
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('onAccountClosureId')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Action' | translate }}</mat-label>
-              <mat-select required formControlName="onAccountClosureId">
-                @for (closureOption of onAccountClosureOptions; track closureOption) {
-                  <mat-option [value]="closureOption.id">
-                    {{ closureOption.value }}
-                  </mat-option>
-                }
-              </mat-select>
-              @if (prematureCloseAccountForm.controls.onAccountClosureId.hasError('required')) {
-                <mat-error>
-                  {{ 'labels.inputs.Account action' | translate }} {{ 'labels.commons.is' | translate }}
-                  <strong>{{ 'labels.commons.required' | translate }}</strong>
-                </mat-error>
-              }
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('toSavingsAccountId')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Transfer to Savings' | translate }}</mat-label>
-              <mat-select required formControlName="toSavingsAccountId">
-                @for (account of savingsAccountsData; track account) {
-                  <mat-option [value]="account.id">
-                    {{ account.accountNo }}
-                  </mat-option>
-                }
-              </mat-select>
-              @if (prematureCloseAccountForm.controls.toSavingsAccountId.hasError('required')) {
-                <mat-error>
-                  {{ 'labels.inputs.Transfer to savings account' | translate }} {{ 'labels.commons.is' | translate }}
-                  <strong>{{ 'labels.commons.required' | translate }}</strong>
-                </mat-error>
-              }
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('transferDescription')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Transfer Description' | translate }}</mat-label>
-              <input matInput formControlName="transferDescription" />
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('note')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Note' | translate }}</mat-label>
-              <textarea matInput formControlName="note" cdkTextareaAutosize cdkAutosizeMinRows="2"></textarea>
-            </mat-form-field>
-          }
-        </div>
-      </mat-card-content>
-
-      <mat-card-actions class="layout-row align-center gap-5px responsive-column">
-        <button type="button" mat-raised-button [routerLink]="['../../']">
-          {{ 'labels.buttons.Cancel' | translate }}
-        </button>
-        <button mat-raised-button color="warn" [disabled]="!prematureCloseAccountForm.valid">
-          {{ 'labels.buttons.Confirm' | translate }}
-        </button>
-      </mat-card-actions>
-    </form>
-  </mat-card>
-</div>

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/premature-close-fixed-deposits-account/premature-close-fixed-deposits-account.component.scss

@@ -1,11 +0,0 @@
-/**
- * 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/.
- */
-
-.container {
-  max-width: 37rem;
-}

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/premature-close-fixed-deposits-account/premature-close-fixed-deposits-account.component.ts

@@ -1,179 +0,0 @@
-/**
- * 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/.
- */
-
-/** Angular Imports */
-import { Component, OnInit, inject } from '@angular/core';
-import {
-  UntypedFormGroup,
-  UntypedFormBuilder,
-  Validators,
-  UntypedFormControl,
-  ReactiveFormsModule
-} from '@angular/forms';
-import { ActivatedRoute, Router, RouterLink } from '@angular/router';
-
-/** Custom Services */
-import { FixedDepositsService } from '../../fixed-deposits.service';
-import { SettingsService } from 'app/settings/settings.service';
-import { Dates } from 'app/core/utils/dates';
-import { CdkTextareaAutosize } from '@angular/cdk/text-field';
-import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
-
-/**
- * Premature Close Fixed Deposits Account Component
- */
-@Component({
-  selector: 'mifosx-premature-close-fixed-deposits-account',
-  templateUrl: './premature-close-fixed-deposits-account.component.html',
-  styleUrls: ['./premature-close-fixed-deposits-account.component.scss'],
-  imports: [
-    ...STANDALONE_SHARED_IMPORTS,
-    CdkTextareaAutosize
-  ]
-})
-export class PrematureCloseFixedDepositsAccountComponent implements OnInit {
-  private formBuilder = inject(UntypedFormBuilder);
-  private fixedDepositsService = inject(FixedDepositsService);
-  private dateUtils = inject(Dates);
-  private route = inject(ActivatedRoute);
-  private router = inject(Router);
-  private settingsService = inject(SettingsService);
-
-  /** Minimum date allowed. */
-  minDate = new Date(2000, 0, 1);
-  /** Maximum date allowed. */
-  maxDate = new Date();
-  /** Premature Close FD Account form. */
-  prematureCloseAccountForm: UntypedFormGroup;
-  /** Savings Account Data */
-  savingsAccountsData: any;
-  /** On account Closure Options */
-  onAccountClosureOptions: any;
-  /** Fixed Deposits Account Id */
-  accountId: any;
-  /** Form submission event */
-  isSubmitted = false;
-
-  /**
-   * @param {FormBuilder} formBuilder Form Builder
-   * @param {FixedDepositsService} fixedDepositsService Fixed Deposits Service
-   * @param {Dates} dateUtils Date Utils
-   * @param {ActivatedRoute} route Activated Route
-   * @param {Router} router Router
-   * @param {SettingsService} settingsService Settings Service
-   */
-  constructor() {
-    this.accountId = this.route.parent.snapshot.params['fixedDepositAccountId'];
-  }
-
-  /**
-   * Creates the premature close fd account form.
-   */
-  ngOnInit() {
-    this.maxDate = this.settingsService.businessDate;
-    this.createPrematureCloseAccountForm();
-    this.buildDependencies();
-  }
-
-  /**
-   * Creates the premature close fd account form.
-   */
-  createPrematureCloseAccountForm() {
-    this.prematureCloseAccountForm = this.formBuilder.group({
-      closedOnDate: [
-        '',
-        Validators.required
-      ]
-    });
-  }
-
-  /**
-   * Subscribes to value changes of parent control.
-   */
-  buildDependencies() {
-    this.prematureCloseAccountForm.get('closedOnDate').valueChanges.subscribe((value: Date) => {
-      if (!this.isSubmitted) {
-        this.calculatePrematureAmount(value);
-      }
-    });
-  }
-
-  /**
-   * Calculates prematue amount based on closed on date.
-   * @param {Date} date Premature Close Date
-   */
-  calculatePrematureAmount(date: Date) {
-    const locale = this.settingsService.language.code;
-    const dateFormat = this.settingsService.dateFormat;
-    const data = {
-      closedOnDate: this.dateUtils.formatDate(date, dateFormat),
-      dateFormat,
-      locale
-    };
-    this.fixedDepositsService
-      .executeFixedDepositsAccountCommand(this.accountId, 'calculatePrematureAmount', data)
-      .subscribe((response: any) => {
-        this.savingsAccountsData = response.savingsAccounts;
-        this.onAccountClosureOptions = response.onAccountClosureOptions;
-        this.prematureCloseAccountForm.addControl(
-          'maturityAmount',
-          new UntypedFormControl({ value: '', disabled: true })
-        );
-        this.prematureCloseAccountForm.addControl(
-          'onAccountClosureId',
-          new UntypedFormControl('', Validators.required)
-        );
-        this.prematureCloseAccountForm.addControl('note', new UntypedFormControl(''));
-        this.prematureCloseAccountForm.get('maturityAmount').patchValue(response.maturityAmount);
-        this.addTransferDetails();
-      });
-  }
-
-  /**
-   * Subscribes to value changes of `onAccountClosureId` adds and removes transfer details accordingly.
-   */
-  addTransferDetails() {
-    this.prematureCloseAccountForm.get('onAccountClosureId').valueChanges.subscribe((id: any) => {
-      if (id === 200) {
-        this.prematureCloseAccountForm.addControl(
-          'toSavingsAccountId',
-          new UntypedFormControl('', Validators.required)
-        );
-        this.prematureCloseAccountForm.addControl('transferDescription', new UntypedFormControl(''));
-      } else {
-        this.prematureCloseAccountForm.removeControl('toSavingsAccountId');
-        this.prematureCloseAccountForm.removeControl('transferDescription');
-      }
-    });
-  }
-
-  /**
-   * Submits the form and premature closes the fd account,
-   * if successful redirects to the fd account.
-   */
-  submit() {
-    const prematureCloseAccountFormData = this.prematureCloseAccountForm.value;
-    this.isSubmitted = true;
-    const locale = this.settingsService.language.code;
-    const dateFormat = this.settingsService.dateFormat;
-    const prevClosedDate: Date = this.prematureCloseAccountForm.value.closedOnDate;
-    if (prematureCloseAccountFormData.closedOnDate instanceof Date) {
-      prematureCloseAccountFormData.closedOnDate = this.dateUtils.formatDate(prevClosedDate, dateFormat);
-    }
-    const data = {
-      ...prematureCloseAccountFormData,
-      dateFormat,
-      locale
-    };
-    this.fixedDepositsService
-      .executeFixedDepositsAccountCommand(this.accountId, 'prematureClose', data)
-      .subscribe(() => {
-        this.router.navigate(['../../'], { relativeTo: this.route });
-      });
-  }
-}

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/reject-fixed-deposits-account/reject-fixed-deposits-account.component.ts

@@ -11,6 +11,7 @@ import { Component, OnInit, inject } from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /** Custom Services */
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
@@ -37,6 +38,7 @@ export class RejectFixedDepositsAccountComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private settingsService = inject(SettingsService);
+  private alertService = inject(AlertService);
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -97,7 +99,18 @@ export class RejectFixedDepositsAccountComponent implements OnInit {
       dateFormat,
       locale
     };
-    this.fixedDepositsService.executeFixedDepositsAccountCommand(this.accountId, 'reject', data).subscribe(() => {
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.accountId, 'reject', data)
+      .subscribe((response: any) => {
+        // Parked in the Checker Inbox rather than executed (HTTP 200 with rollbackTransaction: true),
+        // so the application is still open -- say so instead of letting that read as "nothing happened".
+        if (response?.rollbackTransaction) {
+          this.alertService.alert({
+            type: 'Success',
+            message:
+              'Rejection has been sent for checker approval. The application is unchanged until a checker approves it.'
+          });
+        }
         this.router.navigate(['../../'], { relativeTo: this.route });
       });
   }

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/undo-approval-fixed-deposits-account/undo-approval-fixed-deposits-account.component.ts

@@ -12,6 +12,7 @@ import { UntypedFormGroup, UntypedFormBuilder, ReactiveFormsModule } from '@angu
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 
 /** Custom Services */
+import { AlertService } from 'app/core/alert/alert.service';
 import { SavingsService } from 'app/savings/savings.service';
 import { FixedDepositsService } from '../../fixed-deposits.service';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
@@ -35,6 +36,7 @@ export class UndoApprovalFixedDepositsAccountComponent implements OnInit {
   private fixedDepositsService = inject(FixedDepositsService);
   private route = inject(ActivatedRoute);
   private router = inject(Router);
+  private alertService = inject(AlertService);
 
   /** Undo Approval Fixed Deposits Account form. */
   undoApprovalFixedDepositsAccountForm: UntypedFormGroup;
@@ -87,13 +89,31 @@ export class UndoApprovalFixedDepositsAccountComponent implements OnInit {
     if (this.undoAction === 'Undo Activation') {
       this.fixedDepositsService
         .executeFixedDepositsAccountCommand(this.accountId, this.undoCommand, data)
-        .subscribe(() => {
+        .subscribe((response: any) => {
+          this.notifyIfSentForApproval(response);
           this.router.navigate(['../../'], { relativeTo: this.route });
         });
     } else {
-      this.savingsService.executeSavingsAccountCommand(this.accountId, this.undoCommand, data).subscribe(() => {
+      this.savingsService
+        .executeSavingsAccountCommand(this.accountId, this.undoCommand, data)
+        .subscribe((response: any) => {
+          this.notifyIfSentForApproval(response);
           this.router.navigate(['../../'], { relativeTo: this.route });
         });
     }
   }
+
+  /**
+   * Both undo commands sit on maker-checker permissions, so either can come back parked in the
+   * Checker Inbox rather than executed -- HTTP 200 with rollbackTransaction: true, and the account
+   * reloaded unchanged. Without this the navigation away reads as "it worked".
+   */
+  private notifyIfSentForApproval(response: any): void {
+    if (response?.rollbackTransaction) {
+      this.alertService.alert({
+        type: 'Success',
+        message: `${this.undoAction} has been sent for checker approval. The account is unchanged until a checker approves it.`
+      });
+    }
+  }
 }

src/app/deposits/fixed-deposits/fixed-deposits-account-actions/withdraw-by-client-fixed-deposits-account/withdraw-by-client-fixed-deposits-account.component.ts

@@ -11,6 +11,7 @@ import { Component, OnInit, inject } from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /** Custom Services */
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
@@ -37,6 +38,7 @@ export class WithdrawByClientFixedDepositsAccountComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private settingsService = inject(SettingsService);
+  private alertService = inject(AlertService);
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -99,7 +101,16 @@ export class WithdrawByClientFixedDepositsAccountComponent implements OnInit {
     };
     this.fixedDepositsService
       .executeFixedDepositsAccountCommand(this.accountId, 'withdrawnByApplicant', data)
-      .subscribe(() => {
+      .subscribe((response: any) => {
+        // Parked in the Checker Inbox rather than executed (HTTP 200 with rollbackTransaction: true),
+        // so the application is still open -- say so instead of letting that read as "nothing happened".
+        if (response?.rollbackTransaction) {
+          this.alertService.alert({
+            type: 'Success',
+            message:
+              'Withdrawal has been sent for checker approval. The application is unchanged until a checker approves it.'
+          });
+        }
         this.router.navigate(['../../'], { relativeTo: this.route });
       });
   }

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

@@ -35,7 +35,6 @@ import { ViewTransactionComponent } from './fixed-deposit-account-view/view-tran
 import { WaiveChargeDialogComponent } from './fixed-deposit-account-view/custom-dialogs/waive-charge-dialog/waive-charge-dialog.component';
 import { InactivateChargeDialogComponent } from './fixed-deposit-account-view/custom-dialogs/inactivate-charge-dialog/inactivate-charge-dialog.component';
 import { AddChargeFixedDepositsAccountComponent } from './fixed-deposits-account-actions/add-charge-fixed-deposits-account/add-charge-fixed-deposits-account.component';
-import { PrematureCloseFixedDepositsAccountComponent } from './fixed-deposits-account-actions/premature-close-fixed-deposits-account/premature-close-fixed-deposits-account.component';
 import { CloseFixedDepositsAccountComponent } from './fixed-deposits-account-actions/close-fixed-deposits-account/close-fixed-deposits-account.component';
 import { CreateFixedDepositAccountComponent } from './create-fixed-deposit-account/create-fixed-deposit-account.component';
 import { FixedDepositAccountDetailsStepComponent } from './fixed-deposit-account-stepper/fixed-deposit-account-details-step/fixed-deposit-account-details-step.component';
@@ -78,7 +77,6 @@ import { FixedDepositsCashTransactionComponent } from './fixed-deposits-account-
     WaiveChargeDialogComponent,
     InactivateChargeDialogComponent,
     AddChargeFixedDepositsAccountComponent,
-    PrematureCloseFixedDepositsAccountComponent,
     CloseFixedDepositsAccountComponent,
     CreateFixedDepositAccountComponent,
     FixedDepositAccountDetailsStepComponent,

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

@@ -154,6 +154,33 @@ export class FixedDepositsService {
     return this.http.get(`/fixeddepositaccounts/calculate-fd-interest`, { params: httpParams });
   }
 
+  /**
+   * FD Dashboard's "Renew" action on a matured FD whose product has a renewal grace period
+   * configured: backdated to the original maturity date within the grace window, or from today
+   * with a gap-period interest credit (at the linked Savings account's rate) once it has passed.
+   * @param accountId Fixed Deposit Account Id
+   * @returns {Observable<any>} { renewedAccountId, maturityDate, maturityAmount, backdated, gapInterestAmount? }
+   */
+  /** `reinvestType` is the staff's choice made at renewal time: 300 = Reinvest Principal + Interest,
+   *  400 = Reinvest Principal Only (rest of the balance goes to the FD's linked Savings account). */
+  renewFixedDepositAccount(accountId: string | number, reinvestType: 300 | 400): Observable<any> {
+    return this.http.post(`/fixeddepositaccounts/${accountId}/renew`, { reinvestType });
+  }
+
+  /** Pre-step the Payment dialog calls, from the FD Dashboard, before submitting the generic `payment`
+   *  command -- credits gap-period interest (at the linked account's rate) if the product's renewal
+   *  grace window has passed; a no-op (`gapInterestAmount: 0`) if still within it. */
+  creditGapInterestIfPastGrace(accountId: string | number): Observable<any> {
+    return this.http.post(`/fixeddepositaccounts/${accountId}/credit-gap-interest`, {});
+  }
+
+  /** Read-only -- what a Renew is about to do (current balance, linked account's rate, gap days,
+   *  gap-interest amount, projected new balance), shown in the Payment dialog before anything is
+   *  confirmed. Posts nothing; safe to call as often as the dialog needs. */
+  getFdRenewalPreview(accountId: string | number): Observable<any> {
+    return this.http.get(`/fixeddepositaccounts/${accountId}/renewal-preview`);
+  }
+
   /**
    * @param fixedDepositAccount Fixed Deposit Account
    * @returns {Observable<any>}

src/app/dormancy-report/dormancy-report.component.html

@@ -181,15 +181,15 @@
           </tr>
         </thead>
         <tbody>
-          @for (r of visibleRows; track r.accountId) {
-            <tr [class.dr-row--warn]="isNearingEscheat(r)" [class.dr-row--sel]="selected.has(r.accountId)">
+          @for (r of visibleRows; track r.accountType + '-' + r.accountId) {
+            <tr [class.dr-row--warn]="isNearingEscheat(r)" [class.dr-row--sel]="isSelected(r)">
               @if (tab === 'ESCHEAT') {
                 <td class="dr-tick">
                   <!-- An already-remitted balance cannot be remitted again. -->
                   <input
                     type="checkbox"
-                    [checked]="selected.has(r.accountId)"
-                    [disabled]="r.remittance === 'REMITTED'"
+                    [checked]="isSelected(r)"
+                    [disabled]="!isRemittable(r)"
                     (click)="toggleSelect(r, $event)"
                   />
                 </td>
@@ -203,7 +203,12 @@
 
               <td>{{ branchName(r.branchCode) }}</td>
 
-              <td class="dr-prod">{{ r.productName }}</td>
+              <td class="dr-prod">
+                {{ r.productName }}
+                @if (r.accountType === 'CURRENT') {
+                  <div class="dr-sub">Current Account</div>
+                }
+              </td>
 
               <td class="num strong">{{ r.balance | number: '1.0-0' }}</td>
 

src/app/dormancy-report/dormancy-report.component.ts

@@ -147,8 +147,24 @@ export class DormancyReportComponent implements OnInit {
   remitSaving = false;
   remitError = '';
 
+  /**
+   * Only savings accounts can be put into a DEAF remittance: remittances are recorded against a savings account, so
+   * the selection (keyed by account id) holds savings ids alone and a current account with the same id cannot be
+   * mistaken for one.
+   */
+  isRemittable(row: DormancyRow): boolean {
+    return row.accountType !== 'CURRENT' && row.remittance !== 'REMITTED';
+  }
+
+  isSelected(row: DormancyRow): boolean {
+    return row.accountType !== 'CURRENT' && this.selected.has(row.accountId);
+  }
+
   toggleSelect(row: DormancyRow, event: Event): void {
     event.stopPropagation();
+    if (!this.isRemittable(row)) {
+      return;
+    }
     if (this.selected.has(row.accountId)) {
       this.selected.delete(row.accountId);
     } else {
@@ -158,7 +174,7 @@ export class DormancyReportComponent implements OnInit {
 
   /** Ticks every unremitted row on display, or clears them if all are already ticked. */
   toggleSelectAll(): void {
-    const selectable = this.visibleRows.filter((r) => r.remittance !== 'REMITTED');
+    const selectable = this.visibleRows.filter((r) => this.isRemittable(r));
     if (selectable.every((r) => this.selected.has(r.accountId))) {
       selectable.forEach((r) => this.selected.delete(r.accountId));
     } else {
@@ -177,12 +193,12 @@ export class DormancyReportComponent implements OnInit {
   }
 
   get allSelected(): boolean {
-    const selectable = this.visibleRows.filter((r) => r.remittance !== 'REMITTED');
+    const selectable = this.visibleRows.filter((r) => this.isRemittable(r));
     return selectable.length > 0 && selectable.every((r) => this.selected.has(r.accountId));
   }
 
   get selectedTotal(): number {
-    return this.rows.filter((r) => this.selected.has(r.accountId)).reduce((s, r) => s + r.balance, 0);
+    return this.rows.filter((r) => this.isSelected(r)).reduce((s, r) => s + r.balance, 0);
   }
 
   openRemit(): void {
@@ -316,6 +332,7 @@ export class DormancyReportComponent implements OnInit {
     const next = lastTxn ? nextStage(lastTxn, stage) : { date: '', label: '' };
 
     return {
+      accountType: a?.accountType || 'SAVINGS',
       accountId: a?.accountId,
       accountNo: a?.accountNo || '—',
       clientId: a?.clientId,

src/app/dormancy-report/dormancy-report.compute.ts

@@ -80,6 +80,8 @@ export const DORMANCY_STAGES: Record<DormancyStage, DormancyStageMeta> = {
 export type DeafRemittanceState = 'PENDING' | 'REMITTED';
 
 export interface DormancyRow {
+  /** SAVINGS or CURRENT. Ids are only unique within one kind, so rows are keyed by both. */
+  accountType: string;
   accountId: number;
   accountNo: string;
   clientId: number;

src/app/fd-dashboard/fd-dashboard-routing.module.ts

@@ -0,0 +1,29 @@
+/**
+ * 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 { NgModule } from '@angular/core';
+import { Routes, RouterModule } from '@angular/router';
+
+import { Route } from '../core/route/route.service';
+import { FdDashboardComponent } from './fd-dashboard.component';
+
+const routes: Routes = [
+  Route.withShell([
+    {
+      path: 'fd-dashboard',
+      component: FdDashboardComponent,
+      data: { title: 'FD Dashboard', breadcrumb: 'FD Dashboard' }
+    }
+  ])
+];
+
+@NgModule({
+  imports: [RouterModule.forChild(routes)],
+  exports: [RouterModule]
+})
+export class FdDashboardRoutingModule {}

src/app/fd-dashboard/fd-dashboard.component.html

@@ -0,0 +1,240 @@
+<!--
+  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="fdd-container">
+  <!-- Compact Light Header -->
+  <div class="fdd-header">
+    <div class="fdd-header__left">
+      <div class="fdd-header__icon">
+        <fa-icon icon="piggy-bank"></fa-icon>
+      </div>
+      <div>
+        <div class="fdd-header__title-row">
+          <h2 class="fdd-header__title">FD Dashboard & Maturity Ladder</h2>
+          <span class="fdd-header__badge">Core Banking</span>
+        </div>
+        <p class="fdd-header__sub">
+          Active Fixed Deposits positioned against maturity dates. Press <kbd>ESC</kbd> to toggle header & footer.
+        </p>
+      </div>
+    </div>
+    <div class="fdd-header__right">
+      <button class="fdd-btn fdd-btn--slim" (click)="load()" [disabled]="loading" title="Refresh maturity ladder data">
+        <fa-icon icon="sync-alt" [class.fa-spin]="loading"></fa-icon>
+        <span>{{ loading ? 'Syncing...' : 'Reload' }}</span>
+      </button>
+    </div>
+  </div>
+
+  <!-- Alerts -->
+  @if (errorMessage) {
+    <div class="fdd-alert fdd-alert--danger">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <span>{{ errorMessage }}</span>
+    </div>
+  }
+
+  <!-- Compact Stat Cards Grid -->
+  <div class="fdd-stats-grid">
+    @for (key of stageKeys; track key) {
+      <button
+        [class]="'fdd-stat-card fdd-stat-card--' + stageMeta[key].tone"
+        [class.fdd-stat-card--active]="stageFilter === key"
+        (click)="toggleStage(key)"
+      >
+        <div class="fdd-stat-card__header">
+          <span class="fdd-stat-card__label">{{ stageMeta[key].label }}</span>
+          <div class="fdd-stat-card__icon">
+            @switch (key) {
+              @case ('MATURED') {
+                <fa-icon icon="exclamation-circle"></fa-icon>
+              }
+              @case ('DUE_SOON') {
+                <fa-icon icon="clock"></fa-icon>
+              }
+              @case ('UPCOMING') {
+                <fa-icon icon="calendar-alt"></fa-icon>
+              }
+              @default {
+                <fa-icon icon="check-circle"></fa-icon>
+              }
+            }
+          </div>
+        </div>
+
+        <div class="fdd-stat-card__val">
+          @switch (key) {
+            @case ('MATURED') {
+              {{ summary.matured }}
+            }
+            @case ('DUE_SOON') {
+              {{ summary.dueSoon }}
+            }
+            @case ('UPCOMING') {
+              {{ summary.upcoming }}
+            }
+            @default {
+              {{ summary.onTrack }}
+            }
+          }
+        </div>
+        <div class="fdd-stat-card__sub">{{ stageMeta[key].summary }}</div>
+      </button>
+    }
+  </div>
+
+  <!-- Compact Filter & Search Toolbar -->
+  <div class="fdd-toolbar">
+    <div class="fdd-search-box">
+      <fa-icon icon="search" class="fdd-search-box__icon"></fa-icon>
+      <input
+        class="fdd-search-box__input"
+        type="text"
+        placeholder="Search account no. or client name..."
+        [(ngModel)]="search"
+      />
+      @if (search) {
+        <button class="fdd-search-box__clear" (click)="search = ''" title="Clear search">
+          <fa-icon icon="times"></fa-icon>
+        </button>
+      }
+    </div>
+
+    @if (stageFilter || search) {
+      <button class="fdd-btn fdd-btn--reset fdd-btn--slim" (click)="resetFilters()">
+        <fa-icon icon="undo"></fa-icon> Reset
+      </button>
+    }
+
+    <div class="fdd-toolbar__spacer"></div>
+
+    <div class="fdd-count-chip">
+      <fa-icon icon="layer-group"></fa-icon>
+      <span
+        ><strong>{{ visibleRows.length }}</strong> of {{ summary.total }} active FDs</span
+      >
+    </div>
+  </div>
+
+  <!-- Worklist Table / Empty State -->
+  @if (loading) {
+    <div class="fdd-card fdd-state-card">
+      <fa-icon icon="spinner" [class.fa-spin]="true" class="fdd-spinner"></fa-icon>
+      <p>Loading FD maturity list...</p>
+    </div>
+  } @else if (visibleRows.length === 0) {
+    <div class="fdd-card fdd-state-card">
+      <fa-icon icon="inbox" class="fdd-state-icon"></fa-icon>
+      <p class="fdd-state-msg">
+        @if (!stageFilter && summary.total > 0) {
+          No FDs are matured or maturing within {{ policy.upcomingDays }} days. Click "On Track" to see all active FDs.
+        } @else {
+          No FDs match these filters.
+        }
+      </p>
+      @if (stageFilter || search) {
+        <button class="fdd-btn fdd-btn--primary fdd-btn--slim" (click)="resetFilters()">
+          <fa-icon icon="undo"></fa-icon> Clear Filters
+        </button>
+      }
+    </div>
+  } @else {
+    <div class="fdd-table-card">
+      <div class="fdd-table-wrapper">
+        <table class="fdd-table">
+          <thead>
+            <tr>
+              <th>Account</th>
+              <th>Client</th>
+              <th>Product</th>
+              <th>Maturity Date</th>
+              <th class="text-right">Deposit Amount</th>
+              <th class="text-right">Maturity Amount</th>
+              <th>Status</th>
+              <th class="text-center">Action</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (r of visibleRows; track r.id) {
+              <tr class="fdd-row" (click)="openAccount(r)">
+                <td>
+                  <span class="fdd-acc-num">{{ r.accountNo || '—' }}</span>
+                </td>
+
+                <td>
+                  <div class="fdd-client-cell">
+                    <span class="fdd-client-name">{{ r.clientName }}</span>
+                  </div>
+                </td>
+
+                <td>
+                  <span class="fdd-product-tag">{{ r.productName }}</span>
+                </td>
+
+                <td>
+                  <div class="fdd-date-cell">
+                    <span class="fdd-date-val">{{ r.maturityDate }}</span>
+                    <span class="fdd-date-sub" [class.fdd-date-sub--overdue]="r.daysOverdue > 0">
+                      {{ maturityText(r) }}
+                    </span>
+                  </div>
+                </td>
+
+                <td class="text-right">
+                  <span class="fdd-amount fdd-amount--deposit">
+                    {{ r.depositAmount != null ? '₹' + (r.depositAmount | number: '1.2-2') : '—' }}
+                  </span>
+                </td>
+
+                <td class="text-right">
+                  <span class="fdd-amount fdd-amount--maturity">
+                    {{ r.maturityAmount != null ? '₹' + (r.maturityAmount | number: '1.2-2') : '—' }}
+                  </span>
+                </td>
+
+                <td>
+                  <div class="fdd-status-cell">
+                    <span [class]="stageClass(r.stage)">
+                      {{ r.meta.label }}
+                    </span>
+                    @if (r.renewable) {
+                      <div
+                        class="fdd-grace-sub"
+                        [class.fdd-grace-sub--warning]="r.renewalGracePeriodDays > 0 && !r.withinGraceWindow"
+                      >
+                        {{ graceStatusText(r) }}
+                      </div>
+                    } @else if (r.configuredInstructionLabel) {
+                      <div class="fdd-grace-sub">Configured: {{ r.configuredInstructionLabel }} (auto-processes)</div>
+                    }
+                  </div>
+                </td>
+
+                <td class="fdd-act-cell text-center" (click)="$event.stopPropagation()">
+                  @if (r.renewable) {
+                    <button class="fdd-btn fdd-btn--action" [disabled]="renewing === r.id" (click)="openRenewDialog(r)">
+                      @if (renewing === r.id) {
+                        <fa-icon icon="spinner" [class.fa-spin]="true"></fa-icon> Renewing...
+                      } @else {
+                        <fa-icon icon="sync-alt"></fa-icon> Renew
+                      }
+                    </button>
+                  } @else {
+                    <button class="fdd-btn-icon" (click)="openAccount(r)" title="View Account Details">
+                      <fa-icon icon="chevron-right"></fa-icon>
+                    </button>
+                  }
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    </div>
+  }
+</div>

src/app/fd-dashboard/fd-dashboard.component.scss

@@ -0,0 +1,578 @@
+/**
+ * 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/.
+ */
+
+/**
+ * Ultra-Compact Light FD Dashboard & Maturity Ladder Styles
+ * CBSNexora Core Banking Design System
+ */
+
+:host {
+  display: block;
+  font-family:
+    'DM Sans',
+    system-ui,
+    -apple-system,
+    sans-serif;
+  color: #0f172a;
+  background: #f8fafc;
+  min-height: 100vh;
+  padding: 12px 16px;
+  box-sizing: border-box;
+}
+
+.fdd-container {
+  max-width: 1400px;
+  margin: 0 auto;
+  display: flex;
+  flex-direction: column;
+  gap: 12px;
+}
+
+/* ── Light Compact Header ────────────────────────────────────────────────── */
+
+.fdd-header {
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 12px;
+  padding: 10px 16px;
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+  box-shadow: 0 1px 3px rgb(0 0 0 / 4%);
+
+  &__left {
+    display: flex;
+    align-items: center;
+    gap: 12px;
+  }
+
+  &__icon {
+    width: 36px;
+    height: 36px;
+    border-radius: 8px;
+    background: #eff6ff;
+    color: #2563eb;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 18px;
+    flex-shrink: 0;
+  }
+
+  &__title-row {
+    display: flex;
+    align-items: center;
+    gap: 8px;
+  }
+
+  &__title {
+    margin: 0;
+    font-size: 16px;
+    font-weight: 700;
+    color: #0f172a;
+  }
+
+  &__badge {
+    font-size: 10px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    padding: 2px 6px;
+    border-radius: 4px;
+    background: #e0f2fe;
+    color: #0369a1;
+  }
+
+  &__sub {
+    margin: 2px 0 0;
+    font-size: 11.5px;
+    color: #64748b;
+
+    kbd {
+      background: #f1f5f9;
+      border: 1px solid #cbd5e1;
+      border-radius: 3px;
+      padding: 1px 4px;
+      font-family: inherit;
+      font-size: 10.5px;
+      font-weight: 700;
+      color: #334155;
+    }
+  }
+}
+
+/* ── Alerts ─────────────────────────────────────────────────────────────── */
+
+.fdd-alert {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  padding: 8px 12px;
+  border-radius: 8px;
+  font-size: 12px;
+  font-weight: 600;
+
+  &--danger {
+    background: #fef2f2;
+    border: 1px solid #fca5a5;
+    color: #dc2626;
+  }
+
+  &--warning {
+    background: #fffbeb;
+    border: 1px solid #fcd34d;
+    color: #d97706;
+  }
+}
+
+/* ── Compact Stat Cards Grid ────────────────────────────────────────────── */
+
+.fdd-stats-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
+  gap: 10px;
+}
+
+.fdd-stat-card {
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-left: 4px solid #cbd5e1;
+  border-radius: 10px;
+  padding: 10px 14px;
+  text-align: left;
+  cursor: pointer;
+  transition: all 0.15s ease;
+
+  &:hover {
+    border-color: #cbd5e1;
+    box-shadow: 0 4px 12px rgb(15 23 42 / 6%);
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    margin-bottom: 4px;
+  }
+
+  &__label {
+    font-size: 12px;
+    font-weight: 700;
+    color: #334155;
+  }
+
+  &__icon {
+    font-size: 14px;
+  }
+
+  &__val {
+    font-size: 20px;
+    font-weight: 800;
+    line-height: 1.1;
+    color: #0f172a;
+    margin-bottom: 2px;
+  }
+
+  &__sub {
+    font-size: 10.5px;
+    color: #64748b;
+    line-height: 1.3;
+    white-space: nowrap;
+    overflow: hidden;
+    text-overflow: ellipsis;
+  }
+
+  /* Tone styling */
+  &--danger {
+    border-left-color: #ef4444;
+
+    .fdd-stat-card__icon {
+      color: #ef4444;
+    }
+
+    &.fdd-stat-card--active {
+      background: #fef2f2;
+      border-color: #fca5a5;
+    }
+  }
+
+  &--warn {
+    border-left-color: #f59e0b;
+
+    .fdd-stat-card__icon {
+      color: #f59e0b;
+    }
+
+    &.fdd-stat-card--active {
+      background: #fffbeb;
+      border-color: #fcd34d;
+    }
+  }
+
+  &--info {
+    border-left-color: #3b82f6;
+
+    .fdd-stat-card__icon {
+      color: #3b82f6;
+    }
+
+    &.fdd-stat-card--active {
+      background: #eff6ff;
+      border-color: #93c5fd;
+    }
+  }
+
+  &--neutral {
+    border-left-color: #64748b;
+
+    .fdd-stat-card__icon {
+      color: #64748b;
+    }
+
+    &.fdd-stat-card--active {
+      background: #f1f5f9;
+      border-color: #cbd5e1;
+    }
+  }
+}
+
+/* ── Compact Filter Toolbar ─────────────────────────────────────────────── */
+
+.fdd-toolbar {
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 10px;
+  padding: 6px 10px;
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  box-shadow: 0 1px 2px rgb(0 0 0 / 2%);
+
+  &__spacer {
+    flex: 1;
+  }
+}
+
+.fdd-search-box {
+  position: relative;
+  display: flex;
+  align-items: center;
+  width: 300px;
+
+  &__icon {
+    position: absolute;
+    left: 10px;
+    color: #94a3b8;
+    font-size: 12px;
+    pointer-events: none;
+  }
+
+  &__input {
+    width: 100%;
+    padding: 5px 30px 5px 28px;
+    border: 1px solid #cbd5e1;
+    border-radius: 6px;
+    font-size: 12px;
+    font-family: inherit;
+    color: #0f172a;
+    background: #fff;
+
+    &:focus {
+      outline: none;
+      border-color: #2563eb;
+      box-shadow: 0 0 0 2px rgb(37 99 235 / 15%);
+    }
+  }
+
+  &__clear {
+    position: absolute;
+    right: 6px;
+    border: none;
+    background: transparent;
+    color: #94a3b8;
+    cursor: pointer;
+    padding: 2px 4px;
+
+    &:hover {
+      color: #334155;
+    }
+  }
+}
+
+.fdd-count-chip {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  font-size: 11.5px;
+  color: #64748b;
+}
+
+/* ── Buttons ────────────────────────────────────────────────────────────── */
+
+.fdd-btn {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  gap: 6px;
+  padding: 6px 12px;
+  border-radius: 6px;
+  font-family: inherit;
+  font-size: 12px;
+  font-weight: 600;
+  cursor: pointer;
+  border: 1px solid #cbd5e1;
+  background: #fff;
+  color: #334155;
+  transition: all 0.15s ease;
+
+  &:hover:not(:disabled) {
+    border-color: #2563eb;
+    color: #2563eb;
+    background: #f8fafc;
+  }
+
+  &--slim {
+    padding: 4px 10px;
+    font-size: 11.5px;
+  }
+
+  &--primary {
+    background: #2563eb;
+    color: #fff;
+    border-color: #2563eb;
+
+    &:hover:not(:disabled) {
+      background: #1d4ed8;
+      color: #fff;
+    }
+  }
+
+  &--action {
+    background: #2563eb;
+    color: #fff;
+    border-color: #2563eb;
+    padding: 4px 10px;
+    font-size: 11px;
+    border-radius: 5px;
+
+    &:hover:not(:disabled) {
+      background: #1d4ed8;
+      color: #fff;
+    }
+  }
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: not-allowed;
+  }
+}
+
+.fdd-btn-icon {
+  width: 26px;
+  height: 26px;
+  border-radius: 5px;
+  border: 1px solid #e2e8f0;
+  background: #fff;
+  color: #64748b;
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  cursor: pointer;
+  transition: all 0.15s ease;
+
+  &:hover {
+    background: #eff6ff;
+    color: #2563eb;
+    border-color: #93c5fd;
+  }
+}
+
+/* ── Compact Table ──────────────────────────────────────────────────────── */
+
+.fdd-table-card {
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 10px;
+  overflow: hidden;
+  box-shadow: 0 1px 3px rgb(0 0 0 / 3%);
+}
+
+.fdd-table-wrapper {
+  overflow-x: auto;
+}
+
+.fdd-table {
+  width: 100%;
+  border-collapse: collapse;
+  text-align: left;
+  font-size: 12px;
+
+  th {
+    padding: 8px 10px;
+    background: #f1f5f9;
+    color: #475569;
+    font-size: 10.5px;
+    font-weight: 700;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    border-bottom: 1px solid #e2e8f0;
+    white-space: nowrap;
+  }
+
+  td {
+    padding: 7px 10px;
+    border-bottom: 1px solid #f1f5f9;
+    vertical-align: middle;
+  }
+
+  .text-right {
+    text-align: right;
+  }
+
+  .text-center {
+    text-align: center;
+  }
+}
+
+.fdd-row {
+  cursor: pointer;
+
+  &:hover {
+    background: #f8fafc;
+  }
+
+  &:last-child td {
+    border-bottom: none;
+  }
+}
+
+.fdd-acc-num {
+  font-family: 'JetBrains Mono', monospace;
+  font-size: 11.5px;
+  font-weight: 600;
+  color: #0f172a;
+}
+
+.fdd-client-name {
+  font-weight: 600;
+  color: #0f172a;
+}
+
+.fdd-product-tag {
+  font-size: 11px;
+  color: #475569;
+}
+
+.fdd-date-cell {
+  display: flex;
+  flex-direction: column;
+  gap: 1px;
+
+  .fdd-date-val {
+    font-family: 'JetBrains Mono', monospace;
+    font-size: 11.5px;
+    color: #0f172a;
+  }
+
+  .fdd-date-sub {
+    font-size: 10.5px;
+    color: #64748b;
+
+    &--overdue {
+      color: #dc2626;
+      font-weight: 700;
+    }
+  }
+}
+
+.fdd-amount {
+  font-family: 'JetBrains Mono', monospace;
+  font-size: 12px;
+  font-weight: 600;
+
+  &--deposit {
+    color: #334155;
+  }
+
+  &--maturity {
+    color: #2563eb;
+    font-weight: 700;
+  }
+}
+
+.fdd-status-cell {
+  display: flex;
+  flex-direction: column;
+  gap: 2px;
+}
+
+.fdd-stage {
+  display: inline-block;
+  padding: 2px 8px;
+  border-radius: 12px;
+  font-size: 10.5px;
+  font-weight: 700;
+  width: fit-content;
+
+  &--info {
+    background: #eff6ff;
+    color: #2563eb;
+  }
+
+  &--warn {
+    background: #fffbeb;
+    color: #d97706;
+  }
+
+  &--danger {
+    background: #fef2f2;
+    color: #dc2626;
+  }
+
+  &--neutral {
+    background: #f1f5f9;
+    color: #475569;
+  }
+}
+
+.fdd-grace-sub {
+  font-size: 10px;
+  color: #64748b;
+
+  &--warning {
+    color: #dc2626;
+    font-weight: 600;
+  }
+}
+
+.fdd-card.fdd-state-card {
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 10px;
+  padding: 24px;
+  text-align: center;
+  font-size: 12px;
+  color: #64748b;
+
+  .fdd-state-icon {
+    font-size: 24px;
+    color: #94a3b8;
+    margin-bottom: 8px;
+  }
+
+  .fdd-spinner {
+    font-size: 20px;
+    color: #2563eb;
+    margin-bottom: 8px;
+  }
+
+  .fdd-state-msg {
+    margin: 0 0 12px;
+  }
+}

src/app/fd-dashboard/fd-dashboard.component.ts

@@ -0,0 +1,273 @@
+/**
+ * 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/.
+ */
+
+/** Angular Imports */
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { Router } from '@angular/router';
+import { MatDialog } from '@angular/material/dialog';
+
+/** Custom Modules */
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+
+/** Custom Services */
+import { AccountsService } from '../accounts/accounts.service';
+import { FixedDepositsService } from '../deposits/fixed-deposits/fixed-deposits.service';
+import { toIsoDate } from 'app/core/utils/api-date';
+
+/** Dashboard data + computation */
+import {
+  FD_MATURITY_POLICY,
+  FD_MATURITY_STAGES,
+  FdMaturityRow,
+  FdMaturityStage,
+  FdMaturitySummary,
+  buildMaturityRow,
+  maturitySummary,
+  sortMaturityRows
+} from './fd-dashboard.compute';
+import { PaymentDialogComponent } from '../deposits/fixed-deposits/fixed-deposit-account-view/custom-dialogs/payment-dialog/payment-dialog.component';
+
+/**
+ * FD Dashboard: every active Fixed Deposit positioned against its own maturity date.
+ *
+ * Read-only and computed, the same way the re-KYC expiry worklist is: the ladder (Matured / Due
+ * Soon / Upcoming / On Track) is worked out here from `maturityDate`, not stored anywhere, so this
+ * screen can never drift out of step with the account -- it always says what today's date implies.
+ * Data comes from the same `/fixeddepositaccounts` list Accounts > Fixed Deposit already uses;
+ * nothing new was added on the backend for this.
+ */
+@Component({
+  selector: 'mifosx-fd-dashboard',
+  templateUrl: './fd-dashboard.component.html',
+  styleUrls: ['./fd-dashboard.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule,
+    FaIconComponent
+  ]
+})
+export class FdDashboardComponent implements OnInit {
+  private accountsService = inject(AccountsService);
+  private fixedDepositsService = inject(FixedDepositsService);
+  private router = inject(Router);
+  private dialog = inject(MatDialog);
+
+  loading = false;
+  errorMessage = '';
+
+  rows: FdMaturityRow[] = [];
+
+  /** Renew action state -- the dialog itself owns submit-in-progress/error display; this just guards
+   *  against opening a second dialog for the same row while one is already up. */
+  renewing: number | null = null;
+
+  /** Filters */
+  stageFilter: FdMaturityStage | '' = '';
+  search = '';
+
+  readonly policy = FD_MATURITY_POLICY;
+  readonly stageMeta = FD_MATURITY_STAGES;
+  /** ON_TRACK is reachable only by clicking its own tile -- the default view stays on what needs
+   *  attention (matured or maturing soon), matching why this screen exists. */
+  readonly stageKeys: FdMaturityStage[] = [
+    'MATURED',
+    'DUE_SOON',
+    'UPCOMING',
+    'ON_TRACK'
+  ];
+
+  ngOnInit(): void {
+    this.load();
+  }
+
+  /**
+   * Loads every active FD and re-derives the maturity ladder for each.
+   *
+   * Calls the dedicated maturity-dashboard endpoint (backend: FixedDepositMaturityDashboardApiResource),
+   * not the general Accounts > Fixed Deposit list endpoint -- that one's query is wide (six extra
+   * table joins for audit/currency/tax fields this screen never shows) and, until this feature
+   * added them, ran over unindexed columns. The dashboard endpoint already filters to ACTIVE FDs
+   * (deposit_type_enum/status_enum are fixed in its SQL, not a request parameter), so there's
+   * nothing to re-check client-side here.
+   */
+  load(): void {
+    this.loading = true;
+    this.errorMessage = '';
+    const today = toIsoDate(new Date().toISOString());
+
+    this.accountsService.getFixedDepositMaturityDashboard().subscribe({
+      next: (res: any) => {
+        const items: any[] = Array.isArray(res) ? res : [];
+
+        const mapped = items
+          .map((a: any) => this.mapAccount(a))
+          .map((a) => buildMaturityRow(a, today))
+          .filter((r): r is FdMaturityRow => !!r);
+
+        this.rows = sortMaturityRows(mapped);
+        this.loading = false;
+      },
+      error: (err: any) => {
+        this.rows = [];
+        this.loading = false;
+        this.errorMessage =
+          err?.error?.defaultUserMessage || err?.error?.developerMessage || 'Could not load the FD maturity list.';
+      }
+    });
+  }
+
+  /** Maps one raw `/fixeddepositaccounts/maturity-dashboard` list item onto what the ladder needs. */
+  private mapAccount(a: any): {
+    id: number;
+    accountNo: string;
+    clientId?: number;
+    clientName?: string;
+    productName?: string;
+    savingsProductName?: string;
+    fdType?: string;
+    maturityDate: string;
+    depositAmount?: number;
+    maturityAmount?: number;
+    onClosureType?: number;
+    linkedAccountId?: number;
+    renewalGracePeriodDays?: number;
+  } {
+    return {
+      id: a?.id,
+      accountNo: a?.accountNo || '',
+      clientId: a?.clientId,
+      clientName: a?.clientName,
+      productName: a?.productName,
+      savingsProductName: a?.savingsProductName,
+      fdType: a?.fdType,
+      maturityDate: toIsoDate(a?.maturityDate),
+      depositAmount: a?.depositAmount,
+      maturityAmount: a?.maturityAmount,
+      onClosureType: a?.onClosureType,
+      linkedAccountId: a?.linkedAccountId,
+      renewalGracePeriodDays: a?.renewalGracePeriodDays
+    };
+  }
+
+  // ── Filtering ──────────────────────────────────────────────────────────────
+
+  get visibleRows(): FdMaturityRow[] {
+    const needle = this.search.trim().toLowerCase();
+    const stage = this.stageFilter;
+    return this.rows.filter((r) => {
+      if (stage) {
+        if (r.stage !== stage) {
+          return false;
+        }
+      } else if (r.stage === 'ON_TRACK') {
+        // No tile selected -- the default view is the worklist, not every active FD.
+        return false;
+      }
+      if (needle) {
+        const hay = `${r.accountNo} ${r.clientName}`.toLowerCase();
+        if (!hay.includes(needle)) {
+          return false;
+        }
+      }
+      return true;
+    });
+  }
+
+  get summary(): FdMaturitySummary {
+    return maturitySummary(this.rows);
+  }
+
+  resetFilters(): void {
+    this.stageFilter = '';
+    this.search = '';
+  }
+
+  toggleStage(stage: FdMaturityStage): void {
+    this.stageFilter = this.stageFilter === stage ? '' : stage;
+  }
+
+  // ── Navigation ─────────────────────────────────────────────────────────────
+
+  openAccount(row: FdMaturityRow): void {
+    if (!row.clientId) {
+      return;
+    }
+    this.router.navigate([
+      '/clients',
+      row.clientId,
+      'fixed-deposits-accounts',
+      row.id,
+      'general'
+    ]);
+  }
+
+  // ── Renewal ────────────────────────────────────────────────────────────────
+
+  /** Renew is a single action on a matured, renewable row -- opens the same Payment dialog an account
+   *  page's own Account Actions menu uses, scoped to just the Reinvest choices, with the closure date
+   *  and gap-interest crediting decided from the grace window rather than picked here (see
+   *  PaymentDialogComponent's `dashboardRenewal` mode). */
+  openRenewDialog(row: FdMaturityRow): void {
+    if (!row.renewable || this.renewing != null) {
+      return;
+    }
+    this.renewing = row.id;
+    this.dialog
+      .open(PaymentDialogComponent, {
+        width: '720px',
+        maxWidth: '95vw',
+        data: {
+          accountId: row.id,
+          accountBalance: row.maturityAmount,
+          maturityDate: row.maturityDate,
+          dashboardRenewal: { row }
+        }
+      })
+      .afterClosed()
+      .subscribe((result: { confirm: boolean } | undefined) => {
+        this.renewing = null;
+        if (result?.confirm) {
+          this.load();
+        }
+      });
+  }
+
+  // ── Presentation ───────────────────────────────────────────────────────────
+
+  stageClass(stage: FdMaturityStage): string {
+    return `fdd-stage fdd-stage--${FD_MATURITY_STAGES[stage].tone}`;
+  }
+
+  /** "12 days overdue" / "in 5 days" / "Matures today", as a branch officer would say it. */
+  maturityText(row: FdMaturityRow): string {
+    if (row.daysOverdue > 0) {
+      return `${row.daysOverdue} day${row.daysOverdue === 1 ? '' : 's'} overdue`;
+    }
+    if (row.daysRemaining === 0) {
+      return 'Matures today';
+    }
+    return `In ${row.daysRemaining} day${row.daysRemaining === 1 ? '' : 's'}`;
+  }
+
+  /** "Renewable — 6 of 9 grace days left" / "Grace period (9d) passed 3 days ago" / "Renewable" (no
+   *  grace configured) -- the sub-label under a matured, renewable row's stage badge. */
+  graceStatusText(row: FdMaturityRow): string {
+    if (!row.renewalGracePeriodDays) {
+      return 'Renewable';
+    }
+    const grace = row.renewalGracePeriodDays;
+    if (row.withinGraceWindow) {
+      const daysLeft = grace - row.daysOverdue;
+      return `Renewable — ${daysLeft} of ${grace} grace day${grace === 1 ? '' : 's'} left`;
+    }
+    const daysPastGrace = row.daysOverdue - grace;
+    return `Grace period (${grace}d) passed ${daysPastGrace} day${daysPastGrace === 1 ? '' : 's'} ago`;
+  }
+}

src/app/fd-dashboard/fd-dashboard.compute.ts

@@ -0,0 +1,240 @@
+/**
+ * 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/.
+ */
+
+/**
+ * Where an active Fixed Deposit sits relative to its own maturity date.
+ *
+ * MATURED accounts are the ones staff actually need to act on -- the FD has run its course but is
+ * still ACTIVE in the core, meaning nobody has applied the maturity instruction yet (or the
+ * scheduled job hasn't reached it). DUE_SOON and UPCOMING exist so a branch can see what's coming
+ * before it lands, not just after.
+ */
+export type FdMaturityStage = 'MATURED' | 'DUE_SOON' | 'UPCOMING' | 'ON_TRACK';
+
+/** Day-count thresholds, measured forward from today toward the maturity date. */
+export const FD_MATURITY_POLICY = {
+  /** Maturing within this many days counts as DUE_SOON. */
+  dueSoonDays: 7,
+  /** Maturing within this many days (and not already DUE_SOON) counts as UPCOMING. */
+  upcomingDays: 30
+};
+
+export interface FdMaturityStageMeta {
+  stage: FdMaturityStage;
+  label: string;
+  /** Colour key the template maps to a badge/tile class. */
+  tone: 'info' | 'warn' | 'danger' | 'neutral';
+  summary: string;
+}
+
+export const FD_MATURITY_STAGES: Record<FdMaturityStage, FdMaturityStageMeta> = {
+  MATURED: {
+    stage: 'MATURED',
+    label: 'Matured',
+    tone: 'danger',
+    summary: 'Past maturity date and still active -- the maturity instruction has not been applied yet.'
+  },
+  DUE_SOON: {
+    stage: 'DUE_SOON',
+    label: `Maturing ≤ ${FD_MATURITY_POLICY.dueSoonDays} Days`,
+    tone: 'warn',
+    summary: 'Matures within the week.'
+  },
+  UPCOMING: {
+    stage: 'UPCOMING',
+    label: `Maturing ≤ ${FD_MATURITY_POLICY.upcomingDays} Days`,
+    tone: 'info',
+    summary: 'Matures within the month.'
+  },
+  ON_TRACK: {
+    stage: 'ON_TRACK',
+    label: 'On Track',
+    tone: 'neutral',
+    summary: 'Maturity date is further out.'
+  }
+};
+
+/** FD types the manual-renewal action applies to. SPECIAL is architecturally forced to Transfer to
+ *  Savings server-side and can never be Reinvest-configured, so it's never renewable here. */
+const RENEWABLE_FD_TYPES = [
+  'SINGLE',
+  'DOUBLE'
+];
+
+/** DepositAccountOnClosureType labels, for the "what will happen automatically" sub-label shown on a
+ *  matured row that already carries an explicit instruction from account-opening. */
+const ON_CLOSURE_TYPE_LABELS: Record<number, string> = {
+  200: 'Transfer to Savings',
+  300: 'Reinvest Principal + Interest',
+  400: 'Reinvest Principal Only'
+};
+
+/** One active Fixed Deposit account, positioned on the maturity ladder. */
+export interface FdMaturityRow {
+  id: number;
+  accountNo: string;
+  clientId: number | null;
+  clientName: string;
+  productName: string;
+  maturityDate: string;
+  depositAmount: number | null;
+  maturityAmount: number | null;
+  /** Negative once the maturity date has passed. */
+  daysRemaining: number;
+  /** 0 while not yet matured; how many days past maturity otherwise. */
+  daysOverdue: number;
+  stage: FdMaturityStage;
+  meta: FdMaturityStageMeta;
+  /** Null/0 -- no buffer configured; renewing after the maturity date itself pays gap interest. */
+  renewalGracePeriodDays: number | null;
+  linkedAccountId: number | null;
+  /** The account's own stored DepositAccountOnClosureType, raw -- null when none was chosen at
+   *  account-opening. On a renewable row that DOES carry one (grace-period case: the account picked
+   *  Reinvest, and is only waiting because the product also has a grace window), the Renew dialog
+   *  pre-selects this rather than presenting a neutral, undecided choice -- the maker already decided
+   *  what this FD should do, grace only changed when that gets carried out. */
+  onClosureType: number | null;
+  /** True only when the account was opened with NO maturity instruction at all (the officer left
+   *  Maturity Instructions blank at account-opening) -- that's the one case nothing else will ever
+   *  act on this FD, so the Dashboard's manual Renew action is meaningful. An account that WAS given
+   *  an explicit instruction (Transfer to Savings or either Reinvest option) auto-processes on its
+   *  own via the nightly job, exactly as it always has -- the Dashboard only reports on those, it
+   *  doesn't also offer to renew them. */
+  isReinvestEligible: boolean;
+  /** True once matured AND eligible -- the only case where nothing has auto-processed it, so a
+   *  manual action from the Dashboard is meaningful. */
+  renewable: boolean;
+  /** Only meaningful when renewable -- true if still inside the grace window (backdated renewal,
+   *  no gap interest), false if the window has passed (renews from today, gap interest applies). */
+  withinGraceWindow: boolean;
+  /** Set on a matured row that is NOT renewable because it already carries an explicit instruction --
+   *  what it was configured to do at account-opening, shown so staff can see at a glance what tonight's
+   *  job will do without opening the account. Null for a renewable row (nothing decided yet) or a row
+   *  that isn't matured. */
+  configuredInstructionLabel: string | null;
+}
+
+/** Days between two ISO dates, positive when `later` is after `earlier`. */
+function daysBetween(earlier: string, later: string): number {
+  const a = new Date(`${earlier}T00:00:00Z`).getTime();
+  const b = new Date(`${later}T00:00:00Z`).getTime();
+  return Math.round((b - a) / 86400000);
+}
+
+/** Which rung of the ladder an account is on, from how many days remain until maturity. */
+export function maturityStage(daysRemaining: number): FdMaturityStage {
+  if (daysRemaining <= 0) {
+    return 'MATURED';
+  }
+  if (daysRemaining <= FD_MATURITY_POLICY.dueSoonDays) {
+    return 'DUE_SOON';
+  }
+  if (daysRemaining <= FD_MATURITY_POLICY.upcomingDays) {
+    return 'UPCOMING';
+  }
+  return 'ON_TRACK';
+}
+
+/** Builds one dashboard row from a raw `/fixeddepositaccounts` list item and today's ISO date. */
+export function buildMaturityRow(
+  fd: {
+    id: number;
+    accountNo: string;
+    clientId?: number;
+    clientName?: string;
+    savingsProductName?: string;
+    productName?: string;
+    fdType?: string;
+    maturityDate: string;
+    depositAmount?: number;
+    maturityAmount?: number;
+    onClosureType?: number;
+    linkedAccountId?: number;
+    renewalGracePeriodDays?: number;
+  },
+  today: string
+): FdMaturityRow | null {
+  if (!fd.maturityDate) {
+    // No maturity date means the account isn't fully assembled yet (e.g. a chart not applied) --
+    // nothing sound to bucket it by, so it's left off the worklist rather than shown wrong.
+    return null;
+  }
+  const daysRemaining = daysBetween(today, fd.maturityDate);
+  const stage = maturityStage(daysRemaining);
+  // No grace configured reads as a 0-day buffer, not "not renewable" -- it only shrinks the backdate
+  // window, matching the backend's default (renewMaturedFixedDeposit treats a missing value as 0).
+  const gracePeriodDays = fd.renewalGracePeriodDays ?? 0;
+  // Mirrors updateMaturityDetails()'s own "will I auto-process this?" check exactly, inverted: the
+  // nightly job leaves an account alone (never touches it) only when it was opened with NO maturity
+  // instruction at all -- that's the one case the Dashboard's Renew action exists for. An account
+  // opened WITH an explicit instruction auto-processes tonight regardless of the product's renewal
+  // grace period (the grace window never delays it), so it's never renewable here either way.
+  const isReinvestEligible =
+    !!fd.fdType && RENEWABLE_FD_TYPES.includes(fd.fdType as string) && fd.onClosureType == null;
+  const renewable = stage === 'MATURED' && isReinvestEligible;
+  const withinGraceWindow = renewable && daysOverdueFor(daysRemaining) <= gracePeriodDays;
+  const configuredInstructionLabel =
+    stage === 'MATURED' && !renewable && fd.onClosureType != null
+      ? (ON_CLOSURE_TYPE_LABELS[fd.onClosureType] ?? null)
+      : null;
+
+  return {
+    id: fd.id,
+    accountNo: fd.accountNo || '',
+    clientId: fd.clientId ?? null,
+    clientName: fd.clientName || '—',
+    productName: fd.productName || fd.savingsProductName || '—',
+    maturityDate: fd.maturityDate,
+    depositAmount: fd.depositAmount ?? null,
+    maturityAmount: fd.maturityAmount ?? null,
+    daysRemaining,
+    daysOverdue: daysOverdueFor(daysRemaining),
+    stage,
+    meta: FD_MATURITY_STAGES[stage],
+    renewalGracePeriodDays: gracePeriodDays,
+    linkedAccountId: fd.linkedAccountId ?? null,
+    onClosureType: fd.onClosureType ?? null,
+    isReinvestEligible,
+    renewable,
+    withinGraceWindow,
+    configuredInstructionLabel
+  };
+}
+
+function daysOverdueFor(daysRemaining: number): number {
+  return daysRemaining < 0 ? -daysRemaining : 0;
+}
+
+export interface FdMaturitySummary {
+  total: number;
+  matured: number;
+  dueSoon: number;
+  upcoming: number;
+  onTrack: number;
+}
+
+export function maturitySummary(rows: FdMaturityRow[]): FdMaturitySummary {
+  return {
+    total: rows.length,
+    matured: rows.filter((r) => r.stage === 'MATURED').length,
+    dueSoon: rows.filter((r) => r.stage === 'DUE_SOON').length,
+    upcoming: rows.filter((r) => r.stage === 'UPCOMING').length,
+    onTrack: rows.filter((r) => r.stage === 'ON_TRACK').length
+  };
+}
+
+/** Sorts the worklist so the most overdue, then the soonest-to-mature, rows come first. */
+export function sortMaturityRows(rows: FdMaturityRow[]): FdMaturityRow[] {
+  const rank: Record<FdMaturityStage, number> = {
+    MATURED: 0,
+    DUE_SOON: 1,
+    UPCOMING: 2,
+    ON_TRACK: 3
+  };
+  return [...rows].sort((a, b) => rank[a.stage] - rank[b.stage] || a.daysRemaining - b.daysRemaining);
+}

src/app/fd-dashboard/fd-dashboard.module.ts

@@ -0,0 +1,22 @@
+/**
+ * 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 { NgModule } from '@angular/core';
+
+import { SharedModule } from '../shared/shared.module';
+import { FdDashboardRoutingModule } from './fd-dashboard-routing.module';
+import { FdDashboardComponent } from './fd-dashboard.component';
+
+@NgModule({
+  imports: [
+    SharedModule,
+    FdDashboardRoutingModule,
+    FdDashboardComponent
+  ]
+})
+export class FdDashboardModule {}

src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.html

@@ -18,9 +18,16 @@
       <p class="dialog-sub">NDTL &middot; CRR/SLR Computation Base &middot; As per RBI Master Circular</p>
     </div>
     <div class="header-right">
+      <!-- The close being reported, and under it the close the ratios are charged on. Two dates,
+           because they are not the same day and the requirement belongs to the earlier one. -->
       <div class="as-of-box">
-        <strong>{{ reportingDateStr }}</strong>
-        <span>Reporting Fortnight (45-day lag)</span>
+        <strong>{{ reportingDateStr || '—' }}</strong>
+        <span>
+          Fortnight close
+          @if (baseDateStr) {
+            &middot; charged on {{ baseDateStr }}
+          }
+        </span>
       </div>
       <a
         class="rbi-circular-btn"
@@ -42,31 +49,42 @@
   <div class="summary-row">
     <div class="summary-card sc-demand">
       <div class="sc-label">Total Demand Liabilities</div>
-      <div class="sc-value">&#8377;12,843<span class="cr">Cr</span></div>
-      <div class="sc-change up">&#8593; 3.2% vs prev fortnight</div>
+      <div class="sc-value">{{ crore(totalDemand) }}<span class="cr" *ngIf="totalDemand !== null">Cr</span></div>
+      <div class="sc-sub">Payable on demand</div>
     </div>
     <div class="summary-card sc-time">
       <div class="sc-label">Total Time Liabilities</div>
-      <div class="sc-value">&#8377;64,618<span class="cr">Cr</span></div>
-      <div class="sc-change up">&#8593; 1.8% vs prev fortnight</div>
+      <div class="sc-value">{{ crore(totalTime) }}<span class="cr" *ngIf="totalTime !== null">Cr</span></div>
+      <div class="sc-sub">Payable on maturity</div>
     </div>
     <div class="summary-card sc-asset">
       <div class="sc-label">Assets with Banking System</div>
-      <div class="sc-value">&#8377;8,240<span class="cr">Cr</span></div>
+      <div class="sc-value">
+        {{ crore(totalBankingAssets) }}<span class="cr" *ngIf="totalBankingAssets !== null">Cr</span>
+      </div>
       <div class="sc-change dn">&#8595; Deducted from NDTL</div>
     </div>
     <div class="summary-card sc-ndtl">
       <div class="sc-label">Net Demand &amp; Time Liabilities (NDTL)</div>
-      <div class="sc-value">&#8377;69,221<span class="cr">Cr</span></div>
+      <div class="sc-value">{{ crore(ndtl) }}<span class="cr" *ngIf="ndtl !== null">Cr</span></div>
       <div class="sc-sub">After deducting banking assets</div>
     </div>
     <div class="summary-card sc-crr">
-      <div class="sc-label">CRR Required ({{ crrRate }}%)</div>
-      <div class="sc-value">&#8377;{{ crrRequired | number: '1.0-0' }}<span class="cr">Cr</span></div>
-      <div class="sc-sub">SLR Req: &#8377;{{ slrRequired | number: '1.0-0' }} Cr ({{ slrRate }}%)</div>
+      <!-- The rate is named from the configuration, not fixed here: a card headed "CRR Required
+           (3%)" while Admin holds 4% states a rate the bank is not on. -->
+      <div class="sc-label">CRR Required{{ crrRate === null ? '' : ' (' + crrRate + '%)' }}</div>
+      <div class="sc-value">{{ crore(crrRequired) }}<span class="cr" *ngIf="crrRequired !== null">Cr</span></div>
+      <div class="sc-sub">SLR Req: {{ crore(slrRequired) }}{{ slrRate === null ? '' : ' Cr (' + slrRate + '%)' }}</div>
     </div>
   </div>
 
+  <!-- Why the figures are not there, in the return's own words. A dashboard that simply shows
+       dashes sends an administrator looking for a fault in the dashboard. -->
+  <div class="unavailable-note" *ngIf="unavailable">
+    <fa-icon icon="exclamation-triangle"></fa-icon>
+    {{ unavailable }}
+  </div>
+
   <!-- Tab Navigation -->
   <div class="tab-nav">
     <button class="tab-btn" [class.active]="activeTab === 'demand'" (click)="activeTab = 'demand'">
@@ -123,14 +141,23 @@
                 </span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
           <tr>
-            <td colspan="3"><strong>Total Demand Liabilities (All 16 Items)</strong></td>
-            <td class="right foot-demand">12,114.75</td>
-            <td class="right foot-demand">12,843.50</td>
-            <td class="right up">+728.75</td>
+            <td colspan="3">
+              <strong>Total Demand Liabilities ({{ demandLiabilities.length }} accounts)</strong>
+            </td>
+            <td class="right foot-demand">{{ totalOf(demandLiabilities, 'openingValue') }}</td>
+            <td class="right foot-demand">{{ totalOf(demandLiabilities, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(demandLiabilities) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -178,14 +205,23 @@
                 </span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
           <tr>
-            <td colspan="3"><strong>Total Time Liabilities (All 13 Items)</strong></td>
-            <td class="right foot-time">62,613.10</td>
-            <td class="right foot-time">64,618.00</td>
-            <td class="right up">+2,004.90</td>
+            <td colspan="3">
+              <strong>Total Time Liabilities ({{ timeLiabilities.length }} accounts)</strong>
+            </td>
+            <td class="right foot-time">{{ totalOf(timeLiabilities, 'openingValue') }}</td>
+            <td class="right foot-time">{{ totalOf(timeLiabilities, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(timeLiabilities) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -227,6 +263,13 @@
                 <span class="status-chip chip-active">{{ item.status }}</span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
@@ -234,9 +277,9 @@
             <td colspan="3">
               <strong>Total Assets with Banking System</strong> <span class="deduct-tag">( Deducted from NDTL )</span>
             </td>
-            <td class="right foot-asset">7,600.70</td>
-            <td class="right foot-asset">8,240.20</td>
-            <td class="right up">+639.50</td>
+            <td class="right foot-asset">{{ totalOf(bankingAssets, 'openingValue') }}</td>
+            <td class="right foot-asset">{{ totalOf(bankingAssets, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(bankingAssets) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -284,14 +327,21 @@
                 <span class="status-chip chip-active">{{ item.status }}</span>
               </td>
             </tr>
+          } @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in Admin &rarr;
+                RBI Reserve Configuration.
+              </td>
+            </tr>
           }
         </tbody>
         <tfoot>
           <tr>
             <td colspan="4"><strong>Total Liquid Assets (SLR Eligible)</strong></td>
-            <td class="right foot-slr">12,511.70</td>
-            <td class="right foot-slr">13,238.80</td>
-            <td class="right up">+727.10</td>
+            <td class="right foot-slr">{{ totalOf(liquidAssets, 'openingValue') }}</td>
+            <td class="right foot-slr">{{ totalOf(liquidAssets, 'currentValue') }}</td>
+            <td class="right">{{ totalChange(liquidAssets) }}</td>
             <td></td>
           </tr>
         </tfoot>

src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.scss

@@ -842,3 +842,30 @@ $slr-b: #bae6fd;
     padding: 8px 16px;
   }
 }
+
+/* Why the figures are missing, in the return's own words — an administrator reading only dashes
+   goes looking for a fault in this screen rather than in the configuration that actually caused it. */
+.unavailable-note {
+  margin: 0 0 16px;
+  padding: 10px 14px;
+  background: #fffbeb;
+  color: #92400e;
+  border-radius: 8px;
+  font-size: 12.5px;
+  line-height: 1.6;
+
+  fa-icon {
+    margin-right: 8px;
+  }
+}
+
+/* A head with nothing mapped. Said in the table rather than left as an empty body, and it names the
+   screen where the mapping is made — an empty table otherwise reads as a fault in this one. */
+.empty-row td {
+  padding: 22px 16px;
+  text-align: center;
+  color: #6b7280;
+  font-size: 12.5px;
+  line-height: 1.6;
+  background: #fafafa;
+}

src/app/home/dashboard/crr-slr-dialog/crr-slr-dialog.component.ts

@@ -6,13 +6,30 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { Component, inject } from '@angular/core';
+import { Component, OnInit, inject } from '@angular/core';
 import { CommonModule, DecimalPipe } from '@angular/common';
 import { MatDialogRef, MatDialogModule } from '@angular/material/dialog';
 import { MatButtonModule } from '@angular/material/button';
 import { MatTabsModule } from '@angular/material/tabs';
 import { MatTooltipModule } from '@angular/material/tooltip';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { RbiCircularsService } from '../../../rbi-circulars/rbi-circulars.service';
+
+/** One account under a head, at the base date and the reporting date. */
+interface CrrSlrRow {
+  sl: string;
+  name: string;
+  sub: string;
+  code: string;
+  opening: string;
+  current: string;
+  /** The figures themselves, kept so totals add from values rather than from formatted text. */
+  openingValue: number | null;
+  currentValue: number | null;
+  change: string;
+  changeDir: 'up' | 'dn' | 'flat';
+  status: string;
+}
 
 @Component({
   selector: 'mifosx-crr-slr-dialog',
@@ -29,477 +46,228 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
     FaIconComponent
   ]
 })
-export class CrrSlrDialogComponent {
+export class CrrSlrDialogComponent implements OnInit {
   private dialogRef = inject(MatDialogRef<CrrSlrDialogComponent>);
+  private rbi = inject(RbiCircularsService);
 
   activeTab: 'demand' | 'time' | 'assets' | 'slr' = 'demand';
 
-  /** Reporting fortnight date — 45 days before current date */
-  today = new Date();
-  reportingDate: Date;
-  reportingDateStr: string;
+  /** The date the figures were struck at, as the return itself reports it. */
+  reportingDateStr = '';
 
-  /** NDTL & Reserve computations */
-  readonly totalDemand = 12843.5;
-  readonly totalTime = 64618.0;
-  readonly totalBankingAssets = 8240.2;
-  readonly ndtl = 69221.3; // Demand + Time - Banking Assets
-  readonly crrRate = 3; // Current RBI CRR rate (%)
-  readonly slrRate = 18; // Current RBI SLR rate (%)
-  readonly crrRequired = 69221.3 * 0.03; // ₹2,076.64 Cr
-  readonly slrRequired = 69221.3 * 0.18; // ₹12,459.83 Cr
-  readonly totalLiquidAssets = 13238.8;
-  readonly slrActualPercent = +((13238.8 / 69221.3) * 100).toFixed(2); // 19.12%
-  readonly slrSurplus = +(13238.8 - 69221.3 * 0.18).toFixed(2); // 778.97
-  readonly totalReserve = +(69221.3 * 0.03 + 69221.3 * 0.18).toFixed(2); // 14,536.47
+  /**
+   * The close the ratios are charged on — the second preceding fortnight, not the one reported.
+   *
+   * Named on screen because the gap between the two is the whole of how the rules work: a bank
+   * cannot hold a reserve against liabilities it does not yet know, so the requirement is fixed on
+   * a position already struck and reported. A screen showing one date invites a reader to think the
+   * requirement was worked out on the day it is shown against.
+   */
+  baseDateStr = '';
 
-  constructor() {
-    // CRR/SLR uses data from 45 days ago
-    const lagDays = 45;
-    this.reportingDate = new Date(this.today);
-    this.reportingDate.setDate(this.reportingDate.getDate() - lagDays);
-    this.reportingDateStr = this.reportingDate.toLocaleDateString('en-IN', {
-      day: '2-digit',
-      month: 'short',
-      year: 'numeric'
+  loading = true;
+  /** Set when the return could not be computed — and why, in the return's own words. */
+  unavailable = '';
+
+  /**
+   * The NDTL computation, read from the return rather than stated here.
+   *
+   * These were fixed numbers until now — a demonstration screen that showed ₹69,221 Cr whatever the
+   * ledger held. The figures are the bank's own regulatory position, so a plausible-looking number
+   * is worse than no number: it reads as a reported figure and cannot be told apart from one.
+   *
+   * Null until the return answers, and left null where it cannot compute. The template shows a dash
+   * for a null, which says "not reported" where a zero would say "reported as nil".
+   */
+  totalDemand: number | null = null;
+  totalTime: number | null = null;
+  totalBankingAssets: number | null = null;
+  ndtl: number | null = null;
+  crrRate: number | null = null;
+  slrRate: number | null = null;
+  crrRequired: number | null = null;
+  slrRequired: number | null = null;
+  totalLiquidAssets: number | null = null;
+  slrActualPercent: number | null = null;
+  slrSurplus: number | null = null;
+  totalReserve: number | null = null;
+
+  /**
+   * A figure for display, or a dash where the return did not carry one.
+   *
+   * A dash and a zero say different things — "not reported" against "reported as nil" — and on a
+   * regulatory screen the difference decides whether anyone goes looking for the missing mapping.
+   */
+  crore(value: number | null): string {
+    if (value === null) {
+      return '—';
+    }
+    return `₹${value.toLocaleString('en-IN', { maximumFractionDigits: 0 })}`;
+  }
+
+  ngOnInit(): void {
+    // The return is reported in rupees; this screen reads in crore, as a dashboard tile does.
+    const toCrore = (v: number | null | undefined): number | null =>
+      v === null || v === undefined ? null : +(v / 1e7).toFixed(2);
+
+    // The statutory Form 1, not the working report. Form 1 is filed twice a month — at the 15th and
+    // at the month end — and this screen should show the close the bank last filed, not a position
+    // struck 45 days back by a lag rule that belongs to the other report. Those two disagree by
+    // weeks, and the 45-day one lands mid-fortnight on a date the bank never reported.
+    this.rbi.getForm1Statutory().subscribe({
+      next: (data: any) => {
+        this.loading = false;
+
+        // The later of the two closes the return reports — the one the bank most recently filed.
+        const columns: string[] = data?.columns ?? [];
+        const latest = columns.length - 1;
+        this.reportingDateStr = columns[latest] ?? '';
+        this.baseDateStr = data?.baseColumns?.[latest] ?? '';
+        this.crrRate = data?.crrPercentage ?? null;
+        this.slrRate = data?.slrPercentage ?? null;
+
+        if (!columns.length) {
+          this.unavailable =
+            data?.unmetRequirements?.[0] ?? 'Form 1 could not be computed. Check the CRR/SLR configuration in Admin.';
+          return;
+        }
+        // The return computes but says something would make it wrong to file — a rate never set, a
+        // base date the ledger cannot answer. Shown rather than swallowed: the reason is the thing
+        // an administrator needs in order to fix it.
+        this.unavailable = data?.unmetRequirements?.[0] ?? '';
+
+        // Part A's own lines, read by the Roman numeral each carries. Read from the return rather
+        // than recomputed, so this screen and the filed form cannot come to disagree.
+        const lines: any[] = data?.partA?.lines ?? [];
+        const at = (startsWith: string): number | null => {
+          const line = lines.find((l: any) => String(l?.label ?? '').startsWith(startsWith));
+          return line?.values?.[latest] ?? null;
+        };
+
+        this.totalDemand = toCrore(at('(A) Demand liabilities'));
+        this.totalTime = toCrore(at('(B) Time liabilities'));
+        this.totalBankingAssets = toCrore(at('TOTAL OF III'));
+        // IV(b) is the base the ratios are actually charged on — the figure behind the requirement,
+        // not the bank's liabilities on the day being reported.
+        this.ndtl = toCrore(at('IV. b)'));
+        this.crrRequired = toCrore(data?.partB?.required?.[latest]);
+        this.slrRequired = toCrore(data?.partC?.required?.[latest]);
+        this.totalLiquidAssets = toCrore(data?.partC?.maintained?.[latest]);
+
+        if (this.slrRequired !== null && this.totalLiquidAssets !== null) {
+          this.slrSurplus = +(this.totalLiquidAssets - this.slrRequired).toFixed(2);
+        }
+        if (this.ndtl) {
+          this.slrActualPercent =
+            this.totalLiquidAssets === null ? null : +((this.totalLiquidAssets / this.ndtl) * 100).toFixed(2);
+        }
+        if (this.crrRequired !== null && this.slrRequired !== null) {
+          this.totalReserve = +(this.crrRequired + this.slrRequired).toFixed(2);
+        }
+
+        this.fillTabs(lines, latest);
+      },
+      error: () => {
+        this.loading = false;
+        this.unavailable = 'The CRR/SLR position could not be read. The return service did not respond.';
+      }
     });
   }
 
-  demandLiabilities = [
-    {
-      sl: '01',
-      name: 'Current Account Deposits',
-      sub: 'Corporate & individual CA balances',
-      code: '2001-CA',
-      opening: '3,842.50',
-      current: '4,120.75',
-      change: '+278.25',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Savings Bank Deposits (Withdrawable)',
-      sub: 'Demand portion — 10% of SB balance',
-      code: '2002-SB',
-      opening: '1,240.00',
-      current: '1,318.40',
-      change: '+78.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Demand Drafts Payable',
-      sub: 'Issued DDs outstanding for payment',
-      code: '2003-DD',
-      opening: '284.20',
-      current: '311.60',
-      change: '+27.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '04',
-      name: "Banker's Cheques / Pay Orders",
-      sub: 'Issued pay orders pending encashment',
-      code: '2004-PO',
-      opening: '198.75',
-      current: '176.30',
-      change: '-22.45',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '05',
-      name: 'Credit Balance in Cash Credit Accounts',
-      sub: 'CC accounts in credit position',
-      code: '2005-CC',
-      opening: '542.10',
-      current: '618.90',
-      change: '+76.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '06',
-      name: 'Overdue Fixed Deposits',
-      sub: 'FDs past maturity — treated as demand',
-      code: '2006-OFD',
-      opening: '89.40',
-      current: '112.85',
-      change: '+23.45',
-      changeDir: 'dn',
-      status: 'Overdue'
-    },
-    {
-      sl: '07',
-      name: 'Interest Payable on Demand Deposits',
-      sub: 'Accrued interest on CA/SB',
-      code: '2007-INT',
-      opening: '34.20',
-      current: '38.55',
-      change: '+4.35',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '08',
-      name: 'Margins held against Letters of Credit',
-      sub: 'Withdrawable LC margin deposits',
-      code: '2008-LCM',
-      opening: '412.60',
-      current: '388.20',
-      change: '-24.40',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '09',
-      name: 'Margins held against Bank Guarantees',
-      sub: 'Withdrawable BG margin deposits',
-      code: '2009-BGM',
-      opening: '318.40',
-      current: '342.10',
-      change: '+23.70',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '10',
-      name: 'Security Deposits (Withdrawable)',
-      sub: 'EMD / SD refundable on demand',
-      code: '2010-SD',
-      opening: '124.80',
-      current: '118.60',
-      change: '-6.20',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '11',
-      name: 'Unclaimed Deposits (Demand Portion)',
-      sub: 'Balances unclaimed >10 years',
-      code: '2011-UCD',
-      opening: '56.30',
-      current: '59.40',
-      change: '+3.10',
-      changeDir: 'dn',
-      status: 'Unclaimed'
-    },
-    {
-      sl: '12',
-      name: 'Inter-Bank Demand Deposits',
-      sub: 'Demand deposits from other banks',
-      code: '2012-IBD',
-      opening: '2,840.00',
-      current: '3,120.50',
-      change: '+280.50',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '13',
-      name: 'Clearing Adjustments / Balances',
-      sub: 'Net clearing settlement balances',
-      code: '2013-CLR',
-      opening: '186.40',
-      current: '210.80',
-      change: '+24.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '14',
-      name: 'Outstanding Payment Instruments',
-      sub: 'Cheques issued but not yet presented',
-      code: '2014-OPI',
-      opening: '142.60',
-      current: '158.90',
-      change: '+16.30',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '15',
-      name: 'Demand Liabilities towards Other Banks',
-      sub: 'Nostro / Vostro demand obligations',
-      code: '2015-DLB',
-      opening: '984.20',
-      current: '1,048.60',
-      change: '+64.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '16',
-      name: 'Deposits Repayable on Demand',
-      sub: 'Miscellaneous on-demand deposits',
-      code: '2016-DRD',
-      opening: '618.30',
-      current: '698.05',
-      change: '+79.75',
-      changeDir: 'up',
-      status: 'Active'
+  /**
+   * The four tabs, filled from the return's own lines.
+   *
+   * These were four fixed lists until now — 435 lines of invented accounts with invented balances,
+   * which a reader had no way to tell apart from the bank's real position. They are now built from
+   * the accounts the return actually read, so a tab is empty exactly when the bank has nothing
+   * mapped under that head, and says so.
+   */
+  demandLiabilities: CrrSlrRow[] = [];
+  timeLiabilities: CrrSlrRow[] = [];
+  bankingAssets: CrrSlrRow[] = [];
+  liquidAssets: CrrSlrRow[] = [];
+  /**
+   * Turns Part A's lines into the rows a tab shows.
+   *
+   * The form reports each head at both of the closes it carries, so the earlier column is the
+   * opening and the later one the current — the same pair these tables have always shown, now taken
+   * from the form rather than invented. Headings and totals are skipped: a heading carries no
+   * figure, and a total would be added a second time by the footer below.
+   */
+  private rowsFrom(lines: any[], latest: number, match: (label: string) => boolean): CrrSlrRow[] {
+    const rows: CrrSlrRow[] = [];
+    for (const line of lines ?? []) {
+      const label = String(line?.label ?? '');
+      if (line?.heading || line?.total || !line?.values || !match(label)) {
+        continue;
+      }
+      const opening = latest > 0 ? (line.values[latest - 1] ?? null) : null;
+      const current = line.values[latest] ?? null;
+      const change = opening === null || current === null ? null : current - opening;
+      rows.push({
+        sl: String(rows.length + 1).padStart(2, '0'),
+        // The form's own wording, with its numbering trimmed off the front — the table has a column
+        // of its own for that.
+        name: label.replace(/^\s*\(?[a-zA-Z0-9]+\)?[.)]?\s*/, '').trim() || label.trim(),
+        sub: line.configKey ? String(line.configKey).replace(/_/g, ' ') : 'Derived from the form',
+        code: line.configKey ?? '—',
+        opening: this.crore(opening),
+        current: this.crore(current),
+        openingValue: opening,
+        currentValue: current,
+        change: change === null ? '—' : `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`,
+        changeDir: change === null ? 'flat' : change >= 0 ? 'up' : 'dn',
+        // A head with no GL mapped reports nothing, and the form says so rather than reporting nil.
+        status: line.configured === false ? 'Not mapped' : 'Active'
+      });
+    }
+    return rows;
   }
-  ];
 
-  timeLiabilities = [
-    {
-      sl: '01',
-      name: 'Fixed Deposits (FD)',
-      sub: '7 days to 10 years · 6.5–7.2%',
-      code: '3001-FD',
-      opening: '28,420.50',
-      current: '29,184.30',
-      change: '+763.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Recurring Deposits (RD)',
-      sub: 'Monthly instalment · 6.0–6.8%',
-      code: '3002-RD',
-      opening: '4,218.60',
-      current: '4,412.80',
-      change: '+194.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Time Liability Portion of Savings',
-      sub: '90% of SB balance treated as time',
-      code: '3003-SBT',
-      opening: '10,840.20',
-      current: '11,204.60',
-      change: '+364.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '04',
-      name: 'Reinvestment Deposits',
-      sub: 'Cumulative interest plans · 7.0%',
-      code: '3004-RID',
-      opening: '1,842.40',
-      current: '1,918.70',
-      change: '+76.30',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '05',
-      name: 'Staff Security Deposits (Fixed Period)',
-      sub: 'Employee security deposits — locked',
-      code: '3005-SSD',
-      opening: '84.60',
-      current: '86.40',
-      change: '+1.80',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '06',
-      name: 'Margin Money for Guarantees / LC',
-      sub: 'LC/BG margins — fixed lock-in period',
-      code: '3006-MGM',
-      opening: '620.80',
-      current: '644.20',
-      change: '+23.40',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '07',
-      name: 'Certificates of Deposit (CD)',
-      sub: 'Issued to corporates / FIs · 7.35%',
-      code: '3007-CD',
-      opening: '3,840.00',
-      current: '3,920.50',
-      change: '+80.50',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '08',
-      name: 'Interest Accrued on Time Deposits',
-      sub: 'Accrued but unpaid interest on FD/RD',
-      code: '3008-IAT',
-      opening: '842.60',
-      current: '918.40',
-      change: '+75.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '09',
-      name: 'Long-term Deposits',
-      sub: 'Tenor >5 years · 7.5%',
-      code: '3009-LTD',
-      opening: '5,620.40',
-      current: '5,818.60',
-      change: '+198.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '10',
-      name: 'Tax Saving Deposits',
-      sub: 'Sec 80C FDs — 5-year lock-in · 6.8%',
-      code: '3010-TSD',
-      opening: '1,240.80',
-      current: '1,318.40',
-      change: '+77.60',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '11',
-      name: 'Foreign Currency Deposits',
-      sub: 'FCNR(B), RFC — USD/EUR/GBP',
-      code: '3011-FCD',
-      opening: '2,184.60',
-      current: '2,348.20',
-      change: '+163.60',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '12',
-      name: 'Time Liabilities to Other Banks',
-      sub: 'Inter-bank term deposits — call money',
-      code: '3012-TLB',
-      opening: '1,840.20',
-      current: '1,924.40',
-      change: '+84.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '13',
-      name: 'Term Borrowings',
-      sub: 'Bonds, debentures, refinance · 8.1%',
-      code: '3013-TBR',
-      opening: '1,018.40',
-      current: '1,118.50',
-      change: '+100.10',
-      changeDir: 'up',
-      status: 'Active'
+  /**
+   * A tab's column total, added from the rows on screen.
+   *
+   * Added from the rows rather than stated separately, so the foot of a table always agrees with
+   * what is above it. The footers used to be fixed text and agreed with nothing.
+   *
+   * Summed from each row's own figure, not from the text it displays: a total parsed back out of
+   * formatted strings would quietly lose the paise the display rounds away.
+   */
+  totalOf(rows: CrrSlrRow[], column: 'openingValue' | 'currentValue'): string {
+    const values = rows.map((r) => r[column]).filter((v): v is number => v !== null);
+    return values.length ? this.crore(values.reduce((a, b) => a + b, 0)) : '—';
   }
-  ];
 
-  bankingAssets = [
-    {
-      sl: '01',
-      name: 'Balances with Other Banks',
-      sub: 'Nostro / Vostro balances — SBI, PNB, BOB',
-      code: '4001-BWB',
-      opening: '3,840.20',
-      current: '4,112.40',
-      change: '+272.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Money at Call with Banks',
-      sub: 'Overnight & short-notice call money',
-      code: '4002-MCB',
-      opening: '2,180.50',
-      current: '2,418.60',
-      change: '+238.10',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Loans to Banks (Inter-Bank Lending)',
-      sub: 'Term loans & credit lines to SCBs',
-      code: '4003-LTB',
-      opening: '1,580.00',
-      current: '1,709.20',
-      change: '+129.20',
-      changeDir: 'up',
-      status: 'Active'
+  /** The movement across a tab, between the two closes the form reports. */
+  totalChange(rows: CrrSlrRow[]): string {
+    const opening = rows.map((r) => r.openingValue).filter((v): v is number => v !== null);
+    const current = rows.map((r) => r.currentValue).filter((v): v is number => v !== null);
+    if (!opening.length || !current.length) {
+      return '—';
+    }
+    const change = current.reduce((a, b) => a + b, 0) - opening.reduce((a, b) => a + b, 0);
+    return `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`;
   }
-  ];
 
-  liquidAssets = [
-    {
-      sl: '01',
-      name: 'Central Government Securities',
-      sub: 'G-Secs held in HTM, AFS & HFT portfolios',
-      code: '5001-CGS',
-      opening: '6,840.50',
-      current: '7,218.40',
-      change: '+377.90',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'G-Sec'
-    },
-    {
-      sl: '02',
-      name: 'State Development Loans (SDLs)',
-      sub: 'State govt bonds — various maturities',
-      code: '5002-SDL',
-      opening: '2,420.30',
-      current: '2,584.60',
-      change: '+164.30',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'SDL'
-    },
-    {
-      sl: '03',
-      name: 'Treasury Bills (91/182/364 day)',
-      sub: 'Short-term govt securities — discounted',
-      code: '5003-TB',
-      opening: '1,840.20',
-      current: '1,962.80',
-      change: '+122.60',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'T-Bill'
-    },
-    {
-      sl: '04',
-      name: 'Gold (valued at current market)',
-      sub: 'Gold reserves held per RBI valuation norms',
-      code: '5004-GLD',
-      opening: '680.40',
-      current: '724.60',
-      change: '+44.20',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'Gold'
-    },
-    {
-      sl: '05',
-      name: 'Special Deposit Scheme with RBI',
-      sub: 'Deposits placed under SDS — SLR eligible',
-      code: '5005-SDS',
-      opening: '420.00',
-      current: '420.00',
-      change: '0.00',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'RBI Dep'
-    },
-    {
-      sl: '06',
-      name: 'NABARD / SIDBI / NHB Bonds',
-      sub: 'PSE bonds approved as SLR-eligible',
-      code: '5006-PSE',
-      opening: '310.80',
-      current: '328.40',
-      change: '+17.60',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'PSE Bond'
+  /** Fills the four tabs from one reading of the form. */
+  private fillTabs(lines: any[], latest: number): void {
+    const has = (label: string, ...words: string[]): boolean => {
+      const l = label.toLowerCase();
+      return words.some((w) => l.includes(w));
+    };
+    // Matched on how the form labels each head, not on a fixed list of account names: a bank that
+    // maps a new account to a head gets it on the right tab without this screen being changed.
+    this.demandLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'demand liabilit'));
+    this.timeLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'time liabilit') && !has(l, 'demand and time'));
+    // III — what the banking system owes this bank, which nets off the liability base.
+    this.bankingAssets = this.rowsFrom(lines, latest, (l) =>
+      has(l, 'current account balances with sbi', 'balances in all accounts', 'money at call', 'advances and any other')
+    );
+    // V, VI and VII — the cash, balances and securities the two ratios are met in.
+    this.liquidAssets = this.rowsFrom(lines, latest, (l) =>
+      has(l, 'cash on hand', 'reserve bank of india', 'co-operative bank', 'government securities')
+    );
   }
-  ];
 
   close(): void {
     this.dialogRef.close();

src/app/home/dashboard/dashboard.component.html

@@ -28,17 +28,34 @@
             <fa-icon icon="external-link-alt"></fa-icon> View
           </button>
         </div>
+        <!-- Read from the return, not stated here. Both the rates and the amounts were fixed text
+             until now, so the card reported ₹2,077 Cr at 3% whatever the ledger held and whatever
+             rate Admin was on. -->
         <div class="card-metrics">
           <div class="metric-row">
-            <span class="metric-label">CRR Required (3%)</span>
-            <span class="metric-value">&#8377;2,077 Cr</span>
+            <span class="metric-label"
+              >CRR Required{{ crrSlr.crrRate === null ? '' : ' (' + crrSlr.crrRate + '%)' }}</span
+            >
+            <span class="metric-value">{{ crrSlr.crrRequired }}</span>
           </div>
           <div class="metric-row">
-            <span class="metric-label">SLR Required (18%)</span>
-            <span class="metric-value">&#8377;12,460 Cr</span>
+            <span class="metric-label"
+              >SLR Required{{ crrSlr.slrRate === null ? '' : ' (' + crrSlr.slrRate + '%)' }}</span
+            >
+            <span class="metric-value">{{ crrSlr.slrRequired }}</span>
           </div>
         </div>
-        <div class="mini-sub"><span class="tag-success">Within Limits</span></div>
+        <!-- "Within Limits" is a compliance statement, so it is made only where the return actually
+             says so. Where it cannot compute, the card says that instead of passing the bank. -->
+        <div class="mini-sub">
+          @if (crrSlr.status === 'ok') {
+            <span class="tag-success">Within Limits</span>
+          } @else if (crrSlr.status === 'short') {
+            <span class="tag-danger">Shortfall</span>
+          } @else {
+            <span class="tag-muted">Not computed</span>
+          }
+        </div>
       </div>
 
       <!-- CRAR -->

src/app/home/dashboard/dashboard.component.scss

@@ -444,6 +444,17 @@ $purple: #7c3aed;
   font-weight: 600;
 }
 
+/* A figure that could not be computed. Deliberately not green: a tile that cannot read the ledger
+   has not found the bank compliant, and a success tag on an unknown position is a false all-clear. */
+.tag-muted {
+  background: #f3f4f6;
+  color: #4b5563;
+  padding: 2px 6px;
+  border-radius: 10px;
+  font-size: 10px;
+  font-weight: 600;
+}
+
 /* ─── Compact Detail Cards ─── */
 .dash-card.compact {
   padding: 12px 16px;

src/app/home/dashboard/dashboard.component.ts

@@ -19,6 +19,7 @@ import { MatTooltipModule } from '@angular/material/tooltip';
 import { AsyncPipe, DatePipe } from '@angular/common';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RbiCircularsService } from '../../rbi-circulars/rbi-circulars.service';
 /**
  * Dashboard component.
  */
@@ -40,9 +41,29 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 export class DashboardComponent implements OnInit {
   private router = inject(Router);
   private dialog = inject(MatDialog);
+  private rbi = inject(RbiCircularsService);
 
   today = new Date();
 
+  /**
+   * The CRR/SLR tile, read from the return.
+   *
+   * The amounts and the rates were both fixed text on the template until now, so the tile reported
+   * ₹2,077 Cr at 3% whatever the ledger held and whatever rate Admin was on. A dashboard figure is
+   * read as the bank's position, and one that cannot move is worse than none: nothing on the tile
+   * says it is a placeholder.
+   *
+   * Dashes until the return answers. 'status' drives the compliance tag, which is only claimed
+   * where the return states it.
+   */
+  crrSlr: {
+    crrRate: number | null;
+    slrRate: number | null;
+    crrRequired: string;
+    slrRequired: string;
+    status: 'ok' | 'short' | 'unknown';
+  } = { crrRate: null, slrRate: null, crrRequired: '—', slrRequired: '—', status: 'unknown' };
+
   /** Array of all user activities */
   userActivity: string[];
   /** Array of most recent user activities */
@@ -67,6 +88,45 @@ export class DashboardComponent implements OnInit {
     this.recentActivities = this.getRecentActivities();
     this.frequentActivities = this.getFrequentActivities();
     this.setFilteredActivities();
+    this.loadCrrSlr();
+  }
+
+  /** Fills the CRR/SLR tile from the return, leaving it dashed where the return cannot compute. */
+  private loadCrrSlr(): void {
+    const crore = (v: number | null | undefined): string =>
+      v === null || v === undefined ? '—' : `₹${Math.round(v / 1e7).toLocaleString('en-IN')} Cr`;
+
+    // The statutory Form 1, which is the return this bank files — twice a month, at the 15th and at
+    // the month end. The working report's 45-day lag lands mid-fortnight, on a date the bank never
+    // reported, so a tile built on it shows a position that appears on no filing.
+    this.rbi.getForm1Statutory().subscribe({
+      next: (data: any) => {
+        const latest = (data?.columns?.length ?? 0) - 1;
+        if (latest < 0) {
+          return;
+        }
+        this.crrSlr.crrRate = data?.crrPercentage ?? null;
+        this.crrSlr.slrRate = data?.slrPercentage ?? null;
+        this.crrSlr.crrRequired = crore(data?.partB?.required?.[latest]);
+        this.crrSlr.slrRequired = crore(data?.partC?.required?.[latest]);
+
+        // Compliant only where BOTH ratios are met: the tile carries one tag for the pair, and a
+        // bank short on SLR is not within limits because its cash reserve happens to be ample.
+        const crrHeld = data?.partB?.maintained?.[latest];
+        const crrNeed = data?.partB?.required?.[latest];
+        const slrHeld = data?.partC?.maintained?.[latest];
+        const slrNeed = data?.partC?.required?.[latest];
+        if ([
+            crrHeld,
+            crrNeed,
+            slrHeld,
+            slrNeed
+          ].every((v) => v !== null && v !== undefined)) {
+          this.crrSlr.status = crrHeld >= crrNeed && slrHeld >= slrNeed ? 'ok' : 'short';
+        }
+      },
+      error: () => undefined
+    });
   }
 
   /**

src/app/interest-posting-report/interest-posting-report.component.html

@@ -0,0 +1,322 @@
+<!--
+  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="ipr">
+  <div class="ipr-head">
+    <div>
+      <h2 class="ipr-head-t"><fa-icon icon="percentage"></fa-icon> Interest Posting Reports</h2>
+      <div class="ipr-head-s">
+        Each branch gets its own report for each savings product, generated automatically at 12:00 PM on the posting
+        date and open to generating or regenerating at any time. The branch approves it, and its approved interest is
+        posted when the branch closes the day — it cannot close until then. The head office closes last.
+      </div>
+    </div>
+    <div class="ipr-head-a">
+      <label class="ipr-date">
+        Posting date
+        <input type="date" [(ngModel)]="postingDate" (change)="load()" />
+      </label>
+      <button class="ipr-btn" (click)="load()" [disabled]="loading"><fa-icon icon="undo"></fa-icon> Reload</button>
+      <button class="ipr-btn ipr-btn--primary" (click)="openPreview()" [disabled]="previewLoading">
+        <fa-icon icon="eye"></fa-icon> Preview interest (today)
+      </button>
+    </div>
+  </div>
+
+  @if (isHeadOffice) {
+    <div class="ipr-tabs">
+      <button class="ipr-tab" [class.is-active]="tab === 'own'" (click)="switchTab('own')">
+        <fa-icon icon="building"></fa-icon> My branch{{ myBranch ? ' — ' + myBranch : '' }}
+      </button>
+      <button class="ipr-tab" [class.is-active]="tab === 'others'" (click)="switchTab('others')">
+        <fa-icon icon="sitemap"></fa-icon> Other branches
+      </button>
+    </div>
+    @if (tab === 'others') {
+      <div class="ipr-alert ipr-alert--info">
+        <fa-icon icon="info-circle"></fa-icon>
+        <div>
+          Each branch generates and approves its own reports. The head office can act here only for a branch that has
+          not opened the day, and only once every other open branch has closed. Anything it approves is marked (HO).
+        </div>
+      </div>
+    }
+  }
+
+  @if (showPreview) {
+    <div class="ipr-card">
+      <div class="ipr-detail-head">
+        <div>
+          <h3>Interest preview — earned up to {{ previewAsOf }}</h3>
+          <div class="muted">
+            What each account would be paid if interest were posted today. View only — nothing is saved, approved or
+            posted.
+          </div>
+        </div>
+        <div class="ipr-total">
+          <span>Total so far</span>
+          <strong>₹{{ previewTotal | number: '1.2-2' }}</strong>
+          <span class="muted">{{ previewRows.length }} account(s)</span>
+        </div>
+      </div>
+      <div class="ipr-preview-actions">
+        <button class="ipr-btn ipr-btn--slim" (click)="openPreview()" [disabled]="previewLoading">
+          <fa-icon icon="undo"></fa-icon> Refresh
+        </button>
+        <button
+          class="ipr-btn ipr-btn--slim"
+          (click)="exportPreview()"
+          [disabled]="previewLoading || previewRows.length === 0"
+        >
+          <fa-icon icon="file-excel"></fa-icon> Export Excel
+        </button>
+        <button class="ipr-btn ipr-btn--slim" (click)="closePreview()"><fa-icon icon="times"></fa-icon> Close</button>
+      </div>
+      @if (previewLoading) {
+        <div class="ipr-empty">Calculating interest up to today…</div>
+      } @else {
+        <table class="ipr-table">
+          <thead>
+            <tr>
+              <th>Branch</th>
+              <th>Product</th>
+              <th>Posting date</th>
+              <th class="num">Accounts</th>
+              <th class="num">Interest so far</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (g of previewGroups; track g.officeName + g.productName) {
+              <tr>
+                <td>{{ g.officeName }}</td>
+                <td>
+                  <strong>{{ g.productName }}</strong>
+                </td>
+                <td>{{ g.postingDate }}</td>
+                <td class="num">{{ g.accounts }}</td>
+                <td class="num">₹{{ g.interest | number: '1.2-2' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="5" class="ipr-empty">No savings account has interest accrued in its current cycle.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+        @if (previewRows.length > 0) {
+          <table class="ipr-table">
+            <thead>
+              <tr>
+                <th>Branch</th>
+                <th>Product</th>
+                <th>Account no</th>
+                <th>Account holder</th>
+                <th class="num">Balance</th>
+                <th class="num">Rate %</th>
+                <th>Cycle</th>
+                <th class="num">Interest so far</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (r of previewRows; track r.savingsAccountId) {
+                <tr>
+                  <td>{{ r.officeName }}</td>
+                  <td>{{ r.productName }}</td>
+                  <td>{{ r.accountNo }}</td>
+                  <td>{{ r.clientName }}</td>
+                  <td class="num">₹{{ r.balance | number: '1.2-2' }}</td>
+                  <td class="num">{{ r.rate | number: '1.2-2' }}</td>
+                  <td class="muted">{{ r.cycleStart }} → {{ r.postingDate }}</td>
+                  <td class="num">₹{{ r.interest | number: '1.2-2' }}</td>
+                </tr>
+              }
+            </tbody>
+            <tfoot>
+              <tr>
+                <td colspan="7"><strong>Total</strong></td>
+                <td class="num">
+                  <strong>₹{{ previewTotal | number: '1.2-2' }}</strong>
+                </td>
+              </tr>
+            </tfoot>
+          </table>
+        }
+      }
+    </div>
+  }
+
+  @if (errorMessage) {
+    <div class="ipr-alert ipr-alert--error">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div>{{ errorMessage }}</div>
+    </div>
+  }
+  @if (notice) {
+    <div class="ipr-alert ipr-alert--ok">
+      <fa-icon icon="check"></fa-icon>
+      <div>{{ notice }}</div>
+    </div>
+  }
+  @if (pendingCount > 0) {
+    <div class="ipr-alert ipr-alert--warn">
+      <fa-icon icon="clock"></fa-icon>
+      <div>{{ pendingCount }} report(s) waiting for approval. The day cannot be closed until they are approved.</div>
+    </div>
+  }
+
+  @if (due.length > 0) {
+    <div class="ipr-alert ipr-alert--warn ipr-due">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div class="ipr-due-body">
+        <div>Interest is due but no report has been generated yet for:</div>
+        @for (d of due; track d.productId + '-' + d.officeId) {
+          <div class="ipr-due-row">
+            <strong>{{ d.productName }}</strong> <span>· {{ d.officeName }} · {{ d.postingDate }}</span>
+            @if (d.canAct) {
+              <button class="ipr-btn ipr-btn--primary ipr-btn--slim" (click)="generate(d)" [disabled]="busy">
+                <fa-icon icon="sync"></fa-icon> {{ tab === 'others' ? 'Generate on behalf' : 'Generate report' }}
+              </button>
+            } @else if (d.blockedReason) {
+              <span class="ipr-blocked">{{ d.blockedReason }}</span>
+            }
+          </div>
+        }
+      </div>
+    </div>
+  }
+
+  <div class="ipr-card">
+    <table class="ipr-table">
+      <thead>
+        <tr>
+          <th>Branch</th>
+          <th>Product</th>
+          <th>Posting date</th>
+          <th class="num">Accounts</th>
+          <th class="num">Total interest</th>
+          <th>Status</th>
+          <th>Generated</th>
+          <th>Approved</th>
+          <th></th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (r of reports; track r.id) {
+          <tr [class.is-selected]="selected?.id === r.id" (click)="open(r)">
+            <td>{{ r.officeName }}</td>
+            <td>
+              <strong>{{ r.productName }}</strong>
+            </td>
+            <td>{{ r.postingDate }}</td>
+            <td class="num">{{ r.accountCount }}</td>
+            <td class="num">₹{{ r.totalInterest | number: '1.2-2' }}</td>
+            <td>
+              <span class="ipr-badge" [ngClass]="statusClass(r.status)">{{ r.status }}</span>
+              @if (r.failureReason) {
+                <div class="ipr-fail" [title]="r.failureReason">Posting failed: {{ r.failureReason }}</div>
+              }
+            </td>
+            <td class="muted">
+              {{ r.generatedBy || 'System' }} · {{ r.generationMode }}<br />{{ r.generatedAt | date: 'dd MMM, HH:mm' }}
+            </td>
+            <td class="muted">
+              @if (r.approvedAt) {
+                {{ r.approvedBy }}
+                @if (r.approvedOnBehalf) {
+                  <span class="ipr-behalf">(HO)</span>
+                }
+                <br />{{ r.approvedAt | date: 'dd MMM, HH:mm' }}
+              } @else {
+                —
+              }
+            </td>
+            <td class="actions" (click)="$event.stopPropagation()">
+              @if (canRegenerate(r)) {
+                <button class="ipr-btn ipr-btn--slim" (click)="regenerate(r)" [disabled]="busy">
+                  <fa-icon icon="sync"></fa-icon> Regenerate
+                </button>
+              }
+              @if (canApprove(r)) {
+                <button class="ipr-btn ipr-btn--primary ipr-btn--slim" (click)="approve(r)" [disabled]="busy">
+                  <fa-icon icon="check"></fa-icon> {{ tab === 'others' ? 'Approve on behalf' : 'Approve' }}
+                </button>
+              }
+              @if (!r.canAct && r.blockedReason && (r.status === 'GENERATED' || r.status === 'APPROVED')) {
+                <span class="ipr-blocked">{{ r.blockedReason }}</span>
+              }
+            </td>
+          </tr>
+        } @empty {
+          <tr>
+            <td colspan="9" class="ipr-empty">
+              @if (loading) {
+                Loading…
+              } @else {
+                No interest posting report for {{ postingDate || 'this date' }}. Reports are generated at 12:00 PM on a
+                product's posting date.
+              }
+            </td>
+          </tr>
+        }
+      </tbody>
+    </table>
+  </div>
+
+  @if (selected) {
+    <div class="ipr-card">
+      <div class="ipr-detail-head">
+        <div>
+          <h3>{{ selected.officeName }} · {{ selected.productName }} — {{ selected.postingDate }}</h3>
+          <div class="muted">
+            Dr {{ selected.expenseGlCode }} {{ selected.expenseGlName }} → Cr {{ selected.payableGlCode }}
+            {{ selected.payableGlName }}; Dr {{ selected.payableGlCode }} → Cr {{ selected.paidGlCode }}
+            {{ selected.paidGlName }}; then Dr {{ selected.paidGlCode }} → Cr each account below
+          </div>
+        </div>
+        <div class="ipr-total">
+          <span>Total interest</span>
+          <strong>₹{{ selected.totalInterest | number: '1.2-2' }}</strong>
+          <span class="muted">{{ selected.accountCount }} account(s)</span>
+        </div>
+      </div>
+      <table class="ipr-table">
+        <thead>
+          <tr>
+            <th>Account no</th>
+            <th>Account holder</th>
+            <th class="num">Interest</th>
+            <th class="num">Balance before posting</th>
+            <th class="num">Balance after posting</th>
+            <th>Posted txn</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (l of selected.lines; track l.savingsAccountId) {
+            <tr>
+              <td>{{ l.accountNo }}</td>
+              <td>{{ l.clientName }}</td>
+              <td class="num">₹{{ l.interestAmount | number: '1.2-2' }}</td>
+              <td class="num">₹{{ l.balanceBefore | number: '1.2-2' }}</td>
+              <td class="num">₹{{ l.balanceAfter | number: '1.2-2' }}</td>
+              <td class="muted">{{ l.savingsTransactionId ? '#' + l.savingsTransactionId : '—' }}</td>
+            </tr>
+          }
+        </tbody>
+        <tfoot>
+          <tr>
+            <td colspan="2"><strong>Total</strong></td>
+            <td class="num">
+              <strong>₹{{ selected.totalInterest | number: '1.2-2' }}</strong>
+            </td>
+            <td colspan="3"></td>
+          </tr>
+        </tfoot>
+      </table>
+    </div>
+  }
+</div>

src/app/interest-posting-report/interest-posting-report.component.scss

@@ -0,0 +1,327 @@
+/**
+ * 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/.
+ */
+
+:host {
+  --i-navy: #1a237e;
+  --i-blue: #1d4ed8;
+  --i-blue-l: #eff6ff;
+  --i-green: #15803d;
+  --i-green-l: #dcfce7;
+  --i-amber: #b45309;
+  --i-amber-l: #fef3c7;
+  --i-red: #c0392b;
+  --i-red-l: #fdecea;
+  --i-g100: #f1f5f9;
+  --i-g200: #e2e8f0;
+  --i-g500: #64748b;
+  --i-g900: #0f172a;
+
+  display: block;
+  font-family: 'DM Sans', system-ui, sans-serif;
+  color: var(--i-g900);
+}
+
+.ipr {
+  max-width: 1280px;
+  margin: 0 auto;
+  padding: 16px;
+}
+
+.ipr-head {
+  display: flex;
+  flex-wrap: wrap;
+  justify-content: space-between;
+  align-items: flex-end;
+  gap: 12px;
+  margin-bottom: 14px;
+}
+
+.ipr-head-t {
+  margin: 0;
+  font-size: 22px;
+  color: var(--i-navy);
+}
+
+.ipr-head-s {
+  max-width: 720px;
+  margin-top: 4px;
+  font-size: 13px;
+  color: var(--i-g500);
+}
+
+.ipr-head-a {
+  display: flex;
+  align-items: flex-end;
+  gap: 8px;
+}
+
+.ipr-date {
+  display: flex;
+  flex-direction: column;
+  font-size: 11px;
+  color: var(--i-g500);
+
+  input,
+  select {
+    padding: 6px 8px;
+    border: 1px solid var(--i-g200);
+    border-radius: 6px;
+    font: inherit;
+    font-size: 13px;
+  }
+}
+
+.ipr-btn {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 7px 12px;
+  border: 1px solid var(--i-g200);
+  border-radius: 6px;
+  background: #fff;
+  font: inherit;
+  font-size: 13px;
+  cursor: pointer;
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: default;
+  }
+}
+
+.ipr-btn--primary {
+  border-color: var(--i-blue);
+  background: var(--i-blue);
+  color: #fff;
+}
+
+.ipr-btn--slim {
+  padding: 4px 10px;
+  font-size: 12px;
+}
+
+.ipr-alert {
+  display: flex;
+  gap: 8px;
+  margin-bottom: 10px;
+  padding: 10px 14px;
+  border-radius: 8px;
+  font-size: 13px;
+}
+
+.ipr-alert--error {
+  background: var(--i-red-l);
+  color: var(--i-red);
+}
+
+.ipr-alert--ok {
+  background: var(--i-green-l);
+  color: var(--i-green);
+}
+
+.ipr-alert--warn {
+  background: var(--i-amber-l);
+  color: var(--i-amber);
+}
+
+.ipr-card {
+  margin-bottom: 14px;
+  border: 1px solid var(--i-g200);
+  border-radius: 10px;
+  background: #fff;
+  overflow-x: auto;
+}
+
+.ipr-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  th,
+  td {
+    padding: 9px 12px;
+    border-bottom: 1px solid var(--i-g100);
+    text-align: left;
+    vertical-align: top;
+  }
+
+  th {
+    background: var(--i-g100);
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.03em;
+    color: var(--i-g500);
+  }
+
+  tbody tr {
+    cursor: pointer;
+  }
+
+  tbody tr.is-selected {
+    background: var(--i-blue-l);
+  }
+
+  .num {
+    text-align: right;
+    white-space: nowrap;
+  }
+
+  .actions {
+    display: flex;
+    gap: 6px;
+    justify-content: flex-end;
+    cursor: default;
+  }
+
+  tfoot td {
+    background: var(--i-g100);
+  }
+}
+
+.muted {
+  color: var(--i-g500);
+  font-size: 12px;
+}
+
+.ipr-empty {
+  padding: 24px !important;
+  text-align: center !important;
+  color: var(--i-g500);
+}
+
+.ipr-badge {
+  display: inline-block;
+  padding: 2px 8px;
+  border-radius: 10px;
+  font-size: 11px;
+  font-weight: 600;
+}
+
+.ipr-badge--pending {
+  background: var(--i-amber-l);
+  color: var(--i-amber);
+}
+
+.ipr-badge--approved {
+  background: var(--i-blue-l);
+  color: var(--i-blue);
+}
+
+.ipr-badge--posted {
+  background: var(--i-green-l);
+  color: var(--i-green);
+}
+
+.ipr-badge--muted {
+  background: var(--i-g100);
+  color: var(--i-g500);
+}
+
+.ipr-fail {
+  margin-top: 4px;
+  font-size: 11px;
+  color: var(--i-red);
+}
+
+.ipr-detail-head {
+  display: flex;
+  flex-wrap: wrap;
+  justify-content: space-between;
+  gap: 12px;
+  padding: 14px 16px;
+
+  h3 {
+    margin: 0 0 4px;
+    font-size: 16px;
+    color: var(--i-navy);
+  }
+}
+
+.ipr-total {
+  display: flex;
+  flex-direction: column;
+  align-items: flex-end;
+
+  strong {
+    font-size: 22px;
+    color: var(--i-navy);
+  }
+}
+
+.ipr-due-body {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+  flex: 1;
+}
+
+.ipr-due-row {
+  display: flex;
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 8px;
+}
+
+// Approved by the head office on behalf of a branch that did not open that day.
+.ipr-behalf {
+  margin-left: 4px;
+  font-size: 11px;
+  font-weight: 600;
+  color: var(--i-amber);
+}
+
+// Preview: refresh / export / close, above the totals.
+.ipr-preview-actions {
+  display: flex;
+  gap: 6px;
+  justify-content: flex-end;
+  padding: 0 16px 10px;
+}
+
+.ipr-tabs {
+  display: flex;
+  gap: 4px;
+  margin-bottom: 12px;
+  border-bottom: 1px solid var(--i-g200);
+}
+
+.ipr-tab {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 8px 14px;
+  margin-bottom: -1px;
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--i-g500);
+  cursor: pointer;
+  background: transparent;
+  border: 1px solid transparent;
+  border-radius: 6px 6px 0 0;
+
+  &.is-active {
+    color: var(--i-navy);
+    background: #fff;
+    border-color: var(--i-g200);
+    border-bottom-color: #fff;
+  }
+}
+
+.ipr-alert--info {
+  background: var(--i-blue-l);
+  color: var(--i-blue);
+}
+
+.ipr-blocked {
+  display: inline-block;
+  max-width: 320px;
+  font-size: 11px;
+  line-height: 1.35;
+  color: var(--i-g500);
+  white-space: normal;
+}

src/app/interest-posting-report/interest-posting-report.component.ts

@@ -0,0 +1,398 @@
+/**
+ * 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 { FormsModule } from '@angular/forms';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { SettingsService } from 'app/settings/settings.service';
+import { exportWorkbook } from '../cashier/cashier-export';
+import {
+  InterestPostingDue,
+  InterestPostingReport,
+  InterestPostingReportDetail,
+  InterestPostingReportService,
+  InterestPreviewRow,
+  ReportScope
+} from './interest-posting-report.service';
+
+/**
+ * Savings interest posting reports.
+ *
+ * On a product's posting date the system generates, at noon, the list of what each savings account
+ * will be paid. It is reviewed and approved here; the approved amounts are posted when the last
+ * branch closes the day, and until then no branch can close. Regenerating replaces the report and
+ * needs approving again.
+ */
+@Component({
+  selector: 'mifosx-interest-posting-report',
+  templateUrl: './interest-posting-report.component.html',
+  styleUrls: ['./interest-posting-report.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule,
+    FaIconComponent
+  ]
+})
+export class InterestPostingReportComponent implements OnInit {
+  private reportService = inject(InterestPostingReportService);
+  private settingsService = inject(SettingsService);
+
+  postingDate = '';
+  loading = false;
+  busy = false;
+  errorMessage = '';
+  notice = '';
+
+  reports: InterestPostingReport[] = [];
+  selected: InterestPostingReportDetail | null = null;
+  /** Products with interest due and no report yet — the noon job ran before they had anything due, or failed. */
+  due: InterestPostingDue[] = [];
+
+  /** 'own' — the user's own branch; 'others' — every other branch, a head-office-only tab. */
+  tab: ReportScope = 'own';
+  isHeadOffice = false;
+  myBranch = '';
+
+  ngOnInit(): void {
+    this.postingDate = this.businessDateIso();
+    this.reportService.context().subscribe({
+      next: (ctx) => {
+        this.isHeadOffice = !!ctx?.headOffice;
+        this.myBranch = ctx?.officeName ?? '';
+      },
+      error: () => (this.isHeadOffice = false)
+    });
+    this.load();
+  }
+
+  switchTab(tab: ReportScope): void {
+    if (this.tab === tab) {
+      return;
+    }
+    this.tab = tab;
+    this.selected = null;
+    this.notice = '';
+    this.load();
+  }
+
+  /** Acting for another branch is the head office's exception, so it is spelt out before it happens. */
+  private confirmOnBehalf(officeName: string, action: string): boolean {
+    if (this.tab !== 'others') {
+      return true;
+    }
+    return confirm(
+      `${officeName} has not opened today. You are about to ${action} its interest posting report on its behalf, ` +
+        'from the head office. Continue?'
+    );
+  }
+
+  load(): void {
+    this.loading = true;
+    this.errorMessage = '';
+    this.reportService.list(this.postingDate || undefined, undefined, undefined, this.tab).subscribe({
+      next: (reports) => {
+        this.reports = reports ?? [];
+        this.loading = false;
+        const stillThere = this.selected && this.reports.find((r) => r.id === this.selected?.id);
+        if (stillThere) {
+          this.open(stillThere);
+        } else {
+          this.selected = null;
+        }
+      },
+      error: (err) => {
+        this.loading = false;
+        this.errorMessage = this.messageOf(err, 'Could not load the interest posting reports.');
+      }
+    });
+    this.reportService.dueWithoutReport(this.postingDate || undefined, this.tab).subscribe({
+      next: (due) => (this.due = due ?? []),
+      error: () => (this.due = [])
+    });
+  }
+
+  generate(item: InterestPostingDue): void {
+    if (!this.confirmOnBehalf(item.officeName, 'generate')) {
+      return;
+    }
+    this.busy = true;
+    this.notice = '';
+    this.errorMessage = '';
+    this.reportService.regenerate(item.productId, item.officeId, item.postingDate).subscribe({
+      next: (res) => {
+        this.busy = false;
+        this.notice = `Report generated for ${item.productName} — ${item.officeName}. Review and approve it.`;
+        this.load();
+        this.reportService.detail(res.reportId).subscribe((detail) => (this.selected = detail));
+      },
+      error: (err) => {
+        this.busy = false;
+        this.errorMessage = this.messageOf(err, 'Could not generate the report.');
+      }
+    });
+  }
+
+  open(report: InterestPostingReport): void {
+    this.errorMessage = '';
+    this.reportService.detail(report.id).subscribe({
+      next: (detail) => (this.selected = detail),
+      error: (err) => (this.errorMessage = this.messageOf(err, 'Could not load the report.'))
+    });
+  }
+
+  regenerate(report: InterestPostingReport): void {
+    if (
+      !confirm(
+        `Regenerate the interest posting report for ${report.productName} — ${report.officeName}? It will need approving again.`
+      ) ||
+      !this.confirmOnBehalf(report.officeName, 'regenerate')
+    ) {
+      return;
+    }
+    this.busy = true;
+    this.notice = '';
+    this.errorMessage = '';
+    this.reportService.regenerate(report.productId, report.officeId, report.postingDate).subscribe({
+      next: (res) => {
+        this.busy = false;
+        this.notice = `Report regenerated for ${report.productName}. Review and approve it.`;
+        this.selected = null;
+        this.load();
+        this.reportService.detail(res.reportId).subscribe((detail) => (this.selected = detail));
+      },
+      error: (err) => {
+        this.busy = false;
+        this.errorMessage = this.messageOf(err, 'Could not regenerate the report.');
+      }
+    });
+  }
+
+  approve(report: InterestPostingReport): void {
+    if (
+      !confirm(
+        `Approve interest of ₹${report.totalInterest} across ${report.accountCount} account(s) for ${report.productName}? ` +
+          'It will be posted when the branch closes the day.'
+      ) ||
+      !this.confirmOnBehalf(report.officeName, 'approve')
+    ) {
+      return;
+    }
+    this.busy = true;
+    this.notice = '';
+    this.errorMessage = '';
+    this.reportService.approve(report.id).subscribe({
+      next: () => {
+        this.busy = false;
+        this.notice = `Approved. Interest for ${report.productName} — ${report.officeName} will be posted when the branch closes the day.`;
+        this.load();
+      },
+      error: (err) => {
+        this.busy = false;
+        this.errorMessage = this.messageOf(err, 'Could not approve the report.');
+      }
+    });
+  }
+
+  canRegenerate(report: InterestPostingReport): boolean {
+    return report.canAct && (report.status === 'GENERATED' || report.status === 'APPROVED');
+  }
+
+  canApprove(report: InterestPostingReport): boolean {
+    return report.canAct && report.status === 'GENERATED';
+  }
+
+  statusClass(status: string): string {
+    return (
+      {
+        GENERATED: 'ipr-badge--pending',
+        APPROVED: 'ipr-badge--approved',
+        POSTED: 'ipr-badge--posted',
+        SUPERSEDED: 'ipr-badge--muted'
+      }[status] ?? 'ipr-badge--muted'
+    );
+  }
+
+  /** Pending reports that block this user's own day close; another branch's pending reports block only that branch. */
+  get pendingCount(): number {
+    return this.tab === 'own' ? this.reports.filter((r) => r.status === 'GENERATED').length : 0;
+  }
+
+  // ── Preview: what each account has earned so far, as if posted today. View only. ──
+
+  showPreview = false;
+  previewLoading = false;
+  previewRows: InterestPreviewRow[] = [];
+  previewAsOf = '';
+
+  openPreview(): void {
+    this.showPreview = true;
+    this.previewLoading = true;
+    this.errorMessage = '';
+    this.reportService.preview().subscribe({
+      next: (rows) => {
+        this.previewRows = rows ?? [];
+        this.previewAsOf = this.previewRows[0]?.asOf ?? this.businessDateIso();
+        this.previewLoading = false;
+      },
+      error: (err) => {
+        this.previewLoading = false;
+        this.previewRows = [];
+        this.errorMessage = this.messageOf(err, 'Could not load the interest preview.');
+      }
+    });
+  }
+
+  closePreview(): void {
+    this.showPreview = false;
+  }
+
+  get previewTotal(): number {
+    return this.previewRows.reduce((sum, r) => sum + Number(r.interest || 0), 0);
+  }
+
+  /** Totals by branch and product, for the summary above the account list and the export. */
+  get previewGroups(): {
+    officeName: string;
+    productName: string;
+    postingDate: string;
+    accounts: number;
+    interest: number;
+  }[] {
+    const map = new Map<
+      string,
+      { officeName: string; productName: string; postingDate: string; accounts: number; interest: number }
+    >();
+    this.previewRows.forEach((r) => {
+      const key = `${r.officeName}|${r.productName}`;
+      const g = map.get(key) ?? {
+        officeName: r.officeName,
+        productName: r.productName,
+        postingDate: r.postingDate,
+        accounts: 0,
+        interest: 0
+      };
+      g.accounts += 1;
+      g.interest += Number(r.interest || 0);
+      map.set(key, g);
+    });
+    return [...map.values()];
+  }
+
+  exportPreview(): void {
+    const stamp = `Interest earned to ${this.previewAsOf} — preview, not posted`;
+    exportWorkbook(
+      [
+        {
+          sheetName: 'By account',
+          title: 'Savings Interest Preview',
+          subtitle: stamp,
+          headers: [
+            'Branch',
+            'Product',
+            'Account No',
+            'Customer',
+            'Balance',
+            'Rate %',
+            'Cycle Start',
+            'Posting Date',
+            'Interest So Far'
+          ],
+          widths: [
+            18,
+            22,
+            20,
+            26,
+            16,
+            8,
+            12,
+            12,
+            16
+          ],
+          rows: [
+            ...this.previewRows.map((r) => [
+              r.officeName,
+              r.productName,
+              r.accountNo,
+              r.clientName,
+              Number(r.balance || 0),
+              Number(r.rate || 0),
+              r.cycleStart,
+              r.postingDate,
+              Number(r.interest || 0)
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.previewTotal
+            ]
+          ]
+        },
+        {
+          sheetName: 'By branch & product',
+          title: 'Savings Interest Preview — Totals',
+          subtitle: stamp,
+          headers: [
+            'Branch',
+            'Product',
+            'Posting Date',
+            'Accounts',
+            'Interest So Far'
+          ],
+          widths: [
+            18,
+            22,
+            12,
+            10,
+            16
+          ],
+          rows: [
+            ...this.previewGroups.map((g) => [
+              g.officeName,
+              g.productName,
+              g.postingDate,
+              g.accounts,
+              g.interest
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              this.previewRows.length,
+              this.previewTotal
+            ]
+          ]
+        }
+      ],
+      `savings-interest-preview-${this.previewAsOf}`
+    );
+  }
+
+  private businessDateIso(): string {
+    const businessDate = this.settingsService.businessDate as any;
+    const parsed = businessDate ? new Date(businessDate) : new Date();
+    if (isNaN(parsed.getTime())) {
+      return new Date().toISOString().slice(0, 10);
+    }
+    const month = String(parsed.getMonth() + 1).padStart(2, '0');
+    const day = String(parsed.getDate()).padStart(2, '0');
+    return `${parsed.getFullYear()}-${month}-${day}`;
+  }
+
+  private messageOf(err: any, fallback: string): string {
+    return (
+      err?.error?.errors?.[0]?.defaultUserMessage ?? err?.error?.defaultUserMessage ?? err?.error?.message ?? fallback
+    );
+  }
+}

src/app/interest-posting-report/interest-posting-report.service.ts

@@ -0,0 +1,180 @@
+/**
+ * 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 { Injectable, inject } from '@angular/core';
+import { HttpClient, HttpParams } from '@angular/common/http';
+import { Observable } from 'rxjs';
+
+export type InterestPostingReportStatus = 'GENERATED' | 'APPROVED' | 'POSTED' | 'SUPERSEDED';
+
+/** Which branches a list covers: the user's own, or (head office only) every other branch. */
+export type ReportScope = 'own' | 'others';
+
+export interface InterestPostingReport {
+  id: number;
+  productId: number;
+  productName: string;
+  officeId: number;
+  officeName: string;
+  postingDate: string;
+  status: InterestPostingReportStatus;
+  totalInterest: number;
+  accountCount: number;
+  generationMode: 'AUTO' | 'MANUAL';
+  generatedAt: string;
+  generatedBy: string | null;
+  approvedAt: string | null;
+  approvedBy: string | null;
+  approvedOnBehalf: boolean;
+  postedAt: string | null;
+  failureReason: string | null;
+  /** Whether the signed-in user may regenerate or approve it: their own branch, or the head office for a branch that did not open. */
+  canAct: boolean;
+  /** Why not, where canAct is false. */
+  blockedReason: string | null;
+}
+
+export interface InterestPostingReportLine {
+  savingsAccountId: number;
+  accountNo: string;
+  clientName: string;
+  interestAmount: number;
+  balanceBefore: number;
+  balanceAfter: number;
+  savingsTransactionId: number | null;
+}
+
+export interface InterestPostingReportDetail extends InterestPostingReport {
+  payableGlCode: string | null;
+  payableGlName: string | null;
+  paidGlCode: string | null;
+  paidGlName: string | null;
+  expenseGlCode: string | null;
+  expenseGlName: string | null;
+  lines: InterestPostingReportLine[];
+}
+
+export interface InterestPostingDue {
+  productId: number;
+  productName: string;
+  officeId: number;
+  officeName: string;
+  postingDate: string;
+  canAct: boolean;
+  blockedReason: string | null;
+}
+
+export interface InterestPostingSummaryRow {
+  id: number;
+  postingDate: string;
+  officeId: number;
+  officeName: string;
+  productId: number;
+  productName: string;
+  accountCount: number;
+  totalInterest: number;
+  status: InterestPostingReportStatus;
+  approvedBy: string | null;
+  approvedOnBehalf: boolean;
+  approvedAt: string | null;
+  postedAt: string | null;
+}
+
+export interface InterestPreviewRow {
+  officeId: number;
+  officeName: string;
+  productId: number;
+  productName: string;
+  savingsAccountId: number;
+  accountNo: string;
+  clientName: string;
+  balance: number;
+  rate: number;
+  cycleStart: string;
+  postingDate: string;
+  asOf: string;
+  interest: number;
+}
+
+/**
+ * The savings interest posting reports, one per branch and product: generated at noon on a posting
+ * date, approved by the branch, posted when the branch closes the day.
+ */
+@Injectable({ providedIn: 'root' })
+export class InterestPostingReportService {
+  private http = inject(HttpClient);
+  private readonly base = '/savingsinterestpostingreports';
+
+  /** scope 'own' is the user's own branch; 'others' (head office only) every other branch. */
+  list(
+    postingDate?: string,
+    status?: string,
+    officeId?: number,
+    scope?: ReportScope
+  ): Observable<InterestPostingReport[]> {
+    let params = new HttpParams();
+    if (scope) params = params.set('scope', scope);
+    if (postingDate) params = params.set('postingDate', postingDate);
+    if (status) params = params.set('status', status);
+    if (officeId) params = params.set('officeId', String(officeId));
+    return this.http.get<InterestPostingReport[]>(this.base, { params });
+  }
+
+  /** Branch and product pairs with interest due by the date and no report yet, that this user may generate. */
+  dueWithoutReport(postingDate?: string, scope?: ReportScope): Observable<InterestPostingDue[]> {
+    let params = new HttpParams();
+    if (scope) params = params.set('scope', scope);
+    if (postingDate) params = params.set('postingDate', postingDate);
+    return this.http.get<InterestPostingDue[]>(`${this.base}/due-without-report`, { params });
+  }
+
+  /** The signed-in user's branch, and whether it is the head office. */
+  context(): Observable<{ officeId: number; officeName: string; headOffice: boolean }> {
+    return this.http.get<{ officeId: number; officeName: string; headOffice: boolean }>(`${this.base}/context`);
+  }
+
+  detail(reportId: number): Observable<InterestPostingReportDetail> {
+    return this.http.get<InterestPostingReportDetail>(`${this.base}/${reportId}`);
+  }
+
+  regenerate(
+    productId: number,
+    officeId: number,
+    postingDate: string
+  ): Observable<{ reportId: number; status: string }> {
+    return this.http.post<{ reportId: number; status: string }>(
+      this.base,
+      { productId, officeId, postingDate },
+      { params: new HttpParams().set('command', 'regenerate') }
+    );
+  }
+
+  approve(reportId: number): Observable<{ reportId: number; status: string }> {
+    return this.http.post<{ reportId: number; status: string }>(
+      `${this.base}/${reportId}`,
+      {},
+      { params: new HttpParams().set('command', 'approve') }
+    );
+  }
+
+  /** Interest each account has earned so far this cycle, as if posted today. View only. */
+  preview(officeId?: number): Observable<InterestPreviewRow[]> {
+    let params = new HttpParams();
+    if (officeId) params = params.set('officeId', String(officeId));
+    return this.http.get<InterestPreviewRow[]>(`${this.base}/preview`, { params });
+  }
+
+  /** The head office's branch-wise view over a date range. */
+  summary(fromDate?: string, toDate?: string, productId?: number): Observable<InterestPostingSummaryRow[]> {
+    let params = new HttpParams();
+    if (fromDate) params = params.set('fromDate', fromDate);
+    if (toDate) params = params.set('toDate', toDate);
+    if (productId) params = params.set('productId', String(productId));
+    return this.http.get<InterestPostingSummaryRow[]>(`${this.base}/summary`, { params });
+  }
+}

src/app/interest-posting-summary/interest-posting-summary.component.html

@@ -0,0 +1,172 @@
+<!--
+  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="ipr">
+  <div class="ipr-head">
+    <div>
+      <h2 class="ipr-head-t"><fa-icon icon="percentage"></fa-icon> Interest Posting Summary</h2>
+      <div class="ipr-head-s">
+        Savings interest across every branch: for each posting date, branch and product, how many customers were paid
+        and how much. Each branch approves and posts its own; this is the head office's view.
+      </div>
+    </div>
+    <div class="ipr-head-a">
+      <label class="ipr-date">
+        From
+        <input type="date" [(ngModel)]="fromDate" (change)="load()" />
+      </label>
+      <label class="ipr-date">
+        To
+        <input type="date" [(ngModel)]="toDate" (change)="load()" />
+      </label>
+      <label class="ipr-date">
+        Product
+        <select [(ngModel)]="productId">
+          <option [ngValue]="null">All products</option>
+          @for (p of products; track p.id) {
+            <option [ngValue]="p.id">{{ p.name }}</option>
+          }
+        </select>
+      </label>
+      <button class="ipr-btn" (click)="load()" [disabled]="loading"><fa-icon icon="undo"></fa-icon> Reload</button>
+      <button class="ipr-btn ipr-btn--primary" (click)="exportExcel()" [disabled]="loading || shown.length === 0">
+        <fa-icon icon="file-excel"></fa-icon> Export Excel
+      </button>
+    </div>
+  </div>
+
+  @if (errorMessage) {
+    <div class="ipr-alert ipr-alert--error">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div>{{ errorMessage }}</div>
+    </div>
+  }
+  @if (pendingCount > 0) {
+    <div class="ipr-alert ipr-alert--warn">
+      <fa-icon icon="clock"></fa-icon>
+      <div>{{ pendingCount }} branch report(s) in this period are not posted yet.</div>
+    </div>
+  }
+
+  <div class="ipr-card">
+    <div class="ipr-detail-head">
+      <div>
+        <h3>Branch totals</h3>
+        <div class="muted">{{ fromDate }} to {{ toDate }}</div>
+      </div>
+      <div class="ipr-total">
+        <span>Total interest</span>
+        <strong>₹{{ totalInterest | number: '1.2-2' }}</strong>
+        <span class="muted">{{ totalCustomers }} customer(s) · posted ₹{{ postedInterest | number: '1.2-2' }}</span>
+      </div>
+    </div>
+    <table class="ipr-table">
+      <thead>
+        <tr>
+          <th>Branch</th>
+          <th class="num">Reports</th>
+          <th class="num">Customers</th>
+          <th class="num">Interest</th>
+          <th class="num">Posted</th>
+          <th class="num">Not yet posted</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (b of byBranch; track b.officeName) {
+          <tr>
+            <td>
+              <strong>{{ b.officeName }}</strong>
+            </td>
+            <td class="num">{{ b.reports }}</td>
+            <td class="num">{{ b.customers }}</td>
+            <td class="num">₹{{ b.interest | number: '1.2-2' }}</td>
+            <td class="num">₹{{ b.posted | number: '1.2-2' }}</td>
+            <td class="num">₹{{ b.interest - b.posted | number: '1.2-2' }}</td>
+          </tr>
+        } @empty {
+          <tr>
+            <td colspan="6" class="ipr-empty">
+              @if (loading) {
+                Loading…
+              } @else {
+                No interest posting report in this period.
+              }
+            </td>
+          </tr>
+        }
+      </tbody>
+      @if (byBranch.length > 0) {
+        <tfoot>
+          <tr>
+            <td><strong>Total</strong></td>
+            <td class="num">
+              <strong>{{ shown.length }}</strong>
+            </td>
+            <td class="num">
+              <strong>{{ totalCustomers }}</strong>
+            </td>
+            <td class="num">
+              <strong>₹{{ totalInterest | number: '1.2-2' }}</strong>
+            </td>
+            <td class="num">
+              <strong>₹{{ postedInterest | number: '1.2-2' }}</strong>
+            </td>
+            <td class="num">
+              <strong>₹{{ totalInterest - postedInterest | number: '1.2-2' }}</strong>
+            </td>
+          </tr>
+        </tfoot>
+      }
+    </table>
+  </div>
+
+  <div class="ipr-card">
+    <table class="ipr-table">
+      <thead>
+        <tr>
+          <th>Posting date</th>
+          <th>Branch</th>
+          <th>Product</th>
+          <th class="num">Customers</th>
+          <th class="num">Interest</th>
+          <th>Status</th>
+          <th>Approved</th>
+          <th>Posted</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (r of shown; track r.id) {
+          <tr>
+            <td>{{ r.postingDate }}</td>
+            <td>{{ r.officeName }}</td>
+            <td>
+              <strong>{{ r.productName }}</strong>
+            </td>
+            <td class="num">{{ r.accountCount }}</td>
+            <td class="num">₹{{ r.totalInterest | number: '1.2-2' }}</td>
+            <td>
+              <span class="ipr-badge" [ngClass]="statusClass(r.status)">{{ r.status }}</span>
+            </td>
+            <td class="muted">
+              @if (r.approvedAt) {
+                {{ r.approvedBy }}
+                @if (r.approvedOnBehalf) {
+                  <span class="ipr-behalf">(HO)</span>
+                }
+                <br />{{ r.approvedAt | date: 'dd MMM, HH:mm' }}
+              } @else {
+                —
+              }
+            </td>
+            <td class="muted">{{ r.postedAt ? (r.postedAt | date: 'dd MMM, HH:mm') : '—' }}</td>
+          </tr>
+        }
+      </tbody>
+    </table>
+  </div>
+</div>

src/app/interest-posting-summary/interest-posting-summary.component.ts

@@ -0,0 +1,244 @@
+/**
+ * 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 { FormsModule } from '@angular/forms';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { SettingsService } from 'app/settings/settings.service';
+import { exportWorkbook } from '../cashier/cashier-export';
+import {
+  InterestPostingReportService,
+  InterestPostingSummaryRow
+} from '../interest-posting-report/interest-posting-report.service';
+
+/**
+ * The head office's view of savings interest across branches: for each posting date, branch and
+ * product, how many customers were paid and how much, and whether it has been approved and posted.
+ * Nothing is approved here — each branch approves its own — so it is a report and an Excel export.
+ */
+@Component({
+  selector: 'mifosx-interest-posting-summary',
+  templateUrl: './interest-posting-summary.component.html',
+  styleUrls: ['../interest-posting-report/interest-posting-report.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule,
+    FaIconComponent
+  ]
+})
+export class InterestPostingSummaryComponent implements OnInit {
+  private reportService = inject(InterestPostingReportService);
+  private settingsService = inject(SettingsService);
+
+  fromDate = '';
+  toDate = '';
+  productId: number | null = null;
+
+  loading = false;
+  errorMessage = '';
+  rows: InterestPostingSummaryRow[] = [];
+
+  ngOnInit(): void {
+    const today = this.businessDateIso();
+    this.toDate = today;
+    this.fromDate = `${today.slice(0, 7)}-01`;
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.errorMessage = '';
+    this.reportService.summary(this.fromDate || undefined, this.toDate || undefined).subscribe({
+      next: (rows) => {
+        this.rows = rows ?? [];
+        this.loading = false;
+      },
+      error: (err) => {
+        this.loading = false;
+        this.rows = [];
+        this.errorMessage =
+          err?.error?.errors?.[0]?.defaultUserMessage ??
+          err?.error?.defaultUserMessage ??
+          err?.error?.message ??
+          'Could not load the interest summary.';
+      }
+    });
+  }
+
+  /** Products present in the loaded rows, for the filter. */
+  get products(): { id: number; name: string }[] {
+    const seen = new Map<number, string>();
+    this.rows.forEach((r) => seen.set(r.productId, r.productName));
+    return [...seen.entries()].map(
+      ([
+        id,
+        name
+      ]) => ({ id, name })
+    );
+  }
+
+  get shown(): InterestPostingSummaryRow[] {
+    return this.productId ? this.rows.filter((r) => r.productId === this.productId) : this.rows;
+  }
+
+  get totalCustomers(): number {
+    return this.shown.reduce((sum, r) => sum + (r.accountCount || 0), 0);
+  }
+
+  get totalInterest(): number {
+    return this.shown.reduce((sum, r) => sum + Number(r.totalInterest || 0), 0);
+  }
+
+  get postedInterest(): number {
+    return this.shown.filter((r) => r.status === 'POSTED').reduce((sum, r) => sum + Number(r.totalInterest || 0), 0);
+  }
+
+  get pendingCount(): number {
+    return this.shown.filter((r) => r.status !== 'POSTED').length;
+  }
+
+  /** Branch totals, for the second table and the export. */
+  get byBranch(): { officeName: string; customers: number; interest: number; posted: number; reports: number }[] {
+    const map = new Map<
+      string,
+      { officeName: string; customers: number; interest: number; posted: number; reports: number }
+    >();
+    this.shown.forEach((r) => {
+      const key = r.officeName || '—';
+      const row = map.get(key) ?? { officeName: key, customers: 0, interest: 0, posted: 0, reports: 0 };
+      row.customers += r.accountCount || 0;
+      row.interest += Number(r.totalInterest || 0);
+      row.posted += r.status === 'POSTED' ? Number(r.totalInterest || 0) : 0;
+      row.reports += 1;
+      map.set(key, row);
+    });
+    return [...map.values()].sort((a, b) => a.officeName.localeCompare(b.officeName));
+  }
+
+  statusClass(status: string): string {
+    return (
+      {
+        GENERATED: 'ipr-badge--pending',
+        APPROVED: 'ipr-badge--approved',
+        POSTED: 'ipr-badge--posted'
+      }[status] ?? 'ipr-badge--muted'
+    );
+  }
+
+  exportExcel(): void {
+    const period = `Posting dates ${this.fromDate || '…'} to ${this.toDate || '…'}`;
+    const product = this.productId ? this.products.find((p) => p.id === this.productId)?.name : 'All products';
+    exportWorkbook(
+      [
+        {
+          sheetName: 'By report',
+          title: 'Savings Interest — Branch-wise Posting',
+          subtitle: `${period} · ${product}`,
+          headers: [
+            'Posting Date',
+            'Branch',
+            'Product',
+            'Customers',
+            'Interest',
+            'Status',
+            'Approved By',
+            'Approved At',
+            'Posted At'
+          ],
+          widths: [
+            14,
+            22,
+            24,
+            12,
+            16,
+            12,
+            20,
+            20,
+            20
+          ],
+          rows: [
+            ...this.shown.map((r) => [
+              r.postingDate,
+              r.officeName,
+              r.productName,
+              r.accountCount,
+              Number(r.totalInterest || 0),
+              r.status,
+              (r.approvedBy || '') + (r.approvedOnBehalf ? ' (HO)' : ''),
+              r.approvedAt || '',
+              r.postedAt || ''
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              this.totalCustomers,
+              this.totalInterest,
+              '',
+              '',
+              '',
+              ''
+            ]
+          ]
+        },
+        {
+          sheetName: 'By branch',
+          title: 'Savings Interest — Branch Totals',
+          subtitle: `${period} · ${product}`,
+          headers: [
+            'Branch',
+            'Reports',
+            'Customers',
+            'Interest',
+            'Posted',
+            'Not Yet Posted'
+          ],
+          widths: [
+            22,
+            10,
+            12,
+            16,
+            16,
+            16
+          ],
+          rows: [
+            ...this.byBranch.map((b) => [
+              b.officeName,
+              b.reports,
+              b.customers,
+              b.interest,
+              b.posted,
+              b.interest - b.posted
+            ]),
+            [
+              'TOTAL',
+              this.shown.length,
+              this.totalCustomers,
+              this.totalInterest,
+              this.postedInterest,
+              this.totalInterest - this.postedInterest
+            ]
+          ]
+        }
+      ],
+      `savings-interest-branch-summary-${this.fromDate}-to-${this.toDate}`
+    );
+  }
+
+  private businessDateIso(): string {
+    const businessDate = this.settingsService.businessDate as any;
+    const parsed = businessDate ? new Date(businessDate) : new Date();
+    if (isNaN(parsed.getTime())) {
+      return new Date().toISOString().slice(0, 10);
+    }
+    const month = String(parsed.getMonth() + 1).padStart(2, '0');
+    const day = String(parsed.getDate()).padStart(2, '0');
+    return `${parsed.getFullYear()}-${month}-${day}`;
+  }
+}

src/app/letter-mgmt/certificates/form-15gh/form-15gh.component.ts

@@ -34,6 +34,7 @@ import {
   ageInFy,
   buildSchedule,
   checkEligibility,
+  configuredFys,
   declarationFormFor,
   formKindFor,
   isSeniorInFy,
@@ -134,7 +135,10 @@ export class Form15ghComponent implements OnInit {
     // Derived once. The template reads these many times per change-detection
     // pass, and re-running the schedules on every read is what made the other
     // register screens stall.
-    this.rows = seedForm15gh().map((record) => this.buildRow(record));
+    // Only years that are configured can be computed; the engine throws on any other.
+    this.rows = seedForm15gh()
+      .filter((record) => !!FY_TAX_CONFIG[normaliseFy(record.fy)])
+      .map((record) => this.buildRow(record));
   }
 
   private buildRow(record: Form15ghRecord): Form15ghRow {
@@ -219,13 +223,13 @@ export class Form15ghComponent implements OnInit {
    * than written into the template.
    */
   get statute(): { form: string; section: string; statement: string; frequency: string } {
-    const fy = normaliseFy(this.rows[0]?.record.fy ?? '2026-27');
+    const fy = normaliseFy(this.rows[0]?.record.fy ?? configuredFys()[0] ?? '');
     const cfg = FY_TAX_CONFIG[fy];
     return {
-      form: cfg.declarationForm === '121' ? 'Form 121' : 'Form 15G / 15H',
-      section: cfg.interestTdsSection,
-      statement: cfg.tdsStatementForm,
-      frequency: cfg.declarationStatementFrequency === 'MONTHLY' ? 'monthly' : 'quarterly'
+      form: cfg?.declarationForm === '121' ? 'Form 121' : 'Form 15G / 15H',
+      section: cfg?.interestTdsSection ?? '—',
+      statement: cfg?.tdsStatementForm ?? '—',
+      frequency: cfg?.declarationStatementFrequency === 'MONTHLY' ? 'monthly' : 'quarterly'
     };
   }
 

src/app/letter-mgmt/certificates/form-15gh/real-form15gh-view/real-form15gh-view.component.ts

@@ -41,6 +41,7 @@ import {
   buildSchedule,
   checkEligibility,
   collectTdsCredits,
+  configuredFys,
   declarationFormFor,
   formKindFor,
   isSeniorInFy,
@@ -115,18 +116,15 @@ export class RealForm15ghViewComponent implements OnInit, OnDestroy {
 
   /** Which row's quarter-wise breakdown is open. */
   expandedId: string | null = null;
-  selectedFy = 'FY 2026-27';
+  /** Every year configured on Organization › TDS Configuration, loaded by the route resolver. */
+  readonly availableFys = configuredFys().map((fy) => `FY ${fy}`);
+  selectedFy = this.availableFys[0] ?? '';
 
   // Per-client caches
   private clientDataCache = new Map<string, Observable<any>>();
   private clientKycCache = new Map<string, Observable<any>>();
   private clientAccountsCache = new Map<string, Observable<any>>();
 
-  readonly availableFys = [
-    'FY 2026-27',
-    'FY 2025-26'
-  ];
-
   ngOnInit(): void {
     this.loadRealData();
   }
@@ -137,6 +135,12 @@ export class RealForm15ghViewComponent implements OnInit, OnDestroy {
   }
 
   loadRealData(): void {
+    // No configured year means no rates to compute with; report it rather than throw mid-build.
+    if (!this.selectedFy) {
+      this.loading = false;
+      this.loadError = true;
+      return;
+    }
     this.loading = true;
     this.loadError = false;
     this.clientDataCache.clear();

src/app/letter-mgmt/certificates/form-15gh/tds-15gh.compute.spec.ts

@@ -30,6 +30,9 @@ import {
   tdsDeducteeOf,
   tdsModeFor
 } from './tds-15gh.compute';
+import { installTdsConfigFixture } from './tds-config.fixture';
+
+installTdsConfigFixture();
 
 const FY = 'FY 2026-27';
 

src/app/letter-mgmt/certificates/form-15gh/tds-15gh.compute.ts

@@ -129,73 +129,37 @@ export interface FyTaxConfig {
 }
 
 /**
- * Statutory figures for the years this book covers, on the new tax regime.
+ * Statutory figures per financial year, keyed '2026-27'.
+ *
+ * Nothing is compiled in. The values live in m_tds_fy_config, are edited on
+ * Organization › TDS Configuration, and are loaded into this registry by
+ * `TdsConfigService` before any TDS screen opens (see `tdsConfigResolver`). A
+ * year with no entry makes the computation throw rather than guess.
  *
  * For a customer who has opted out onto the old regime, `basicExemption` and
  * `nilTaxCeiling` are lower and vary by age; pass an override through
  * `TdsContext.config`.
- *
- * Thresholds and rates did not change at the 2026 changeover — ₹50,000,
- * ₹1,00,000 for senior citizens, 10%, and 20% without PAN carried straight
- * across. What changed is the declaration and the return it is reported in.
  */
-export const FY_TAX_CONFIG: Record<string, FyTaxConfig> = {
-  '2025-26': {
-    fy: '2025-26',
-    regime: 'ITA_1961',
-    interestTdsSection: 'section 194A',
-    thresholdSection: 'section 194A(3)(i)',
-    noPanSection: 'section 206AA',
-    defaultSection: 'section 201(1A)',
-    declarationForm: '15G',
-    declarationRule: 'Rule 29C',
-    declarationSection: 'section 197A',
-    tdsStatementForm: 'Form 26Q',
-    tdsStatementRule: 'Rule 31A',
-    certificateForm: 'Form 16A',
-    declarationStatementFrequency: 'QUARTERLY',
-    declarationStatementDueDay: 15,
-    thresholdGeneral: 50_000,
-    thresholdSenior: 100_000,
-    rate: 0.1,
-    rateNoPan: 0.2,
-    basicExemption: 400_000,
-    nilTaxCeiling: 1_200_000,
-    roundTo: 1,
-    lateDeductionRate: 0.01,
-    lateDepositRate: 0.015
-  },
-  '2026-27': {
-    fy: '2026-27',
-    regime: 'ITA_2025',
-    // Old section 194A was folded into the omnibus TDS section of the 2025 Act.
-    interestTdsSection: 'section 393(1) [Table Sl. 5(ii)/(iii)]',
-    thresholdSection: 'section 393(4) [Table Sl. 7]',
-    // 206AA and 206CC merged here. The reduced 5% limb applies only to Sl. 8(ii)
-    // and 8(v), so interest stays at 20% without PAN.
-    noPanSection: 'section 397(2)',
-    defaultSection: 'section 398',
-    declarationForm: '121',
-    declarationRule: 'Rule 211 of the Income-tax Rules, 2026',
-    declarationSection: 'section 393(6)',
-    tdsStatementForm: 'Form 140',
-    tdsStatementRule: 'Rule 219 of the Income-tax Rules, 2026',
-    certificateForm: 'Form 131',
-    // The consolidated statement of declarations received moved from a quarterly
-    // upload to a monthly one, due on the 7th of the following month.
-    declarationStatementFrequency: 'MONTHLY',
-    declarationStatementDueDay: 7,
-    thresholdGeneral: 50_000,
-    thresholdSenior: 100_000,
-    rate: 0.1,
-    rateNoPan: 0.2,
-    basicExemption: 400_000,
-    nilTaxCeiling: 1_200_000,
-    roundTo: 1,
-    lateDeductionRate: 0.01,
-    lateDepositRate: 0.015
+export const FY_TAX_CONFIG: Record<string, FyTaxConfig> = {};
+
+/** Bumped on every load, so memoised computations can tell one configuration from the next. */
+export let fyTaxConfigVersion = 0;
+
+/** Replaces the whole registry with what the platform holds. */
+export function setFyTaxConfigs(configs: FyTaxConfig[]): void {
+  for (const key of Object.keys(FY_TAX_CONFIG)) {
+    delete FY_TAX_CONFIG[key];
+  }
+  for (const cfg of configs || []) {
+    FY_TAX_CONFIG[normaliseFy(cfg.fy)] = cfg;
+  }
+  fyTaxConfigVersion++;
+}
+
+/** The configured years, latest first. */
+export function configuredFys(): string[] {
+  return Object.keys(FY_TAX_CONFIG).sort().reverse();
 }
-};
 
 // ─────────────────────── Unique Identification Number ───────────────────────
 

src/app/letter-mgmt/certificates/form-15gh/tds-config.fixture.ts

@@ -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/.
+ */
+
+/**
+ * Test-only TDS configuration. The application reads these figures from Organization › TDS
+ * Configuration; the specs install this copy of the seeded values so they run without a backend.
+ */
+
+import { FyTaxConfig, setFyTaxConfigs } from './tds-15gh.compute';
+
+export const TDS_CONFIG_FIXTURE: FyTaxConfig[] = [
+  {
+    fy: '2025-26',
+    regime: 'ITA_1961',
+    interestTdsSection: 'section 194A',
+    thresholdSection: 'section 194A(3)(i)',
+    noPanSection: 'section 206AA',
+    defaultSection: 'section 201(1A)',
+    declarationForm: '15G',
+    declarationRule: 'Rule 29C',
+    declarationSection: 'section 197A',
+    tdsStatementForm: 'Form 26Q',
+    tdsStatementRule: 'Rule 31A',
+    certificateForm: 'Form 16A',
+    declarationStatementFrequency: 'QUARTERLY',
+    declarationStatementDueDay: 15,
+    thresholdGeneral: 50_000,
+    thresholdSenior: 100_000,
+    rate: 0.1,
+    rateNoPan: 0.2,
+    basicExemption: 400_000,
+    nilTaxCeiling: 1_200_000,
+    roundTo: 1,
+    lateDeductionRate: 0.01,
+    lateDepositRate: 0.015
+  },
+  {
+    fy: '2026-27',
+    regime: 'ITA_2025',
+    interestTdsSection: 'section 393(1) [Table Sl. 5(ii)/(iii)]',
+    thresholdSection: 'section 393(4) [Table Sl. 7]',
+    noPanSection: 'section 397(2)',
+    defaultSection: 'section 398',
+    declarationForm: '121',
+    declarationRule: 'Rule 211 of the Income-tax Rules, 2026',
+    declarationSection: 'section 393(6)',
+    tdsStatementForm: 'Form 140',
+    tdsStatementRule: 'Rule 219 of the Income-tax Rules, 2026',
+    certificateForm: 'Form 131',
+    declarationStatementFrequency: 'MONTHLY',
+    declarationStatementDueDay: 7,
+    thresholdGeneral: 50_000,
+    thresholdSenior: 100_000,
+    rate: 0.1,
+    rateNoPan: 0.2,
+    basicExemption: 400_000,
+    nilTaxCeiling: 1_200_000,
+    roundTo: 1,
+    lateDeductionRate: 0.01,
+    lateDepositRate: 0.015
+  }
+];
+
+export function installTdsConfigFixture(): void {
+  setFyTaxConfigs(TDS_CONFIG_FIXTURE);
+}