feat(deposits): sync linked account with maturity terms, add deposit certificate printing

Fixed and Recurring Deposit wizards now bidirectionally sync the Product tab's linked-account selection with the new Terms tab's Transfer-to-Savings account, disable the Withdraw Deposit maturity instruction end-to-end, and card-style the Transfer to Savings picker to match the existing linked-account UI. Adds a printable FD/RD deposit certificate from the account view page, following the existing letter-mgmt certificate pattern. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
2026-08-20 11:05:25 +05:30
parent 1b2ef5126e
commit e58fd3c79a
34 changed files with 2079 additions and 15 deletions
@@ -33,6 +33,7 @@
        <mifosx-fixed-deposit-account-details-step
          [fixedDepositsAccountTemplate]="fixedDepositsAccountTemplate"
          (fixedDepositsAccountProductTemplate)="setTemplate($event)"
+          [externalLinkedAccountId]="fixedDepositAccountMaturityTermsStep?.selectedTransferAccount?.id ?? null"
          [hideButtons]="true"
        >
        </mifosx-fixed-deposit-account-details-step>
@@ -107,7 +108,40 @@
      </div>
    </mat-tab>

-    <!-- Tab 4: Preview -->
+    <!-- Tab 4: Terms -->
+    <mat-tab [disabled]="!fixedDepositsAccountProductTemplate">
+      <ng-template mat-tab-label>
+        <fa-icon icon="file-alt" class="cfa-tab__icon"></fa-icon>
+        Terms
+      </ng-template>
+      <div class="cfa-tab-body">
+        @if (fixedDepositsAccountProductTemplate) {
+          <mifosx-fixed-deposit-account-maturity-terms-step
+            [fixedDepositsAccountTemplate]="fixedDepositsAccountTemplate"
+            [fixedDepositsAccountProductTemplate]="fixedDepositsAccountProductTemplate"
+            [linkedSavingsAccountId]="
+              fixedDepositsAccountDetailsStep?.selectedLinkedAccount?.accountType === 'SAVINGS'
+                ? fixedDepositsAccountDetailsStep?.selectedLinkedAccount?.id
+                : null
+            "
+          ></mifosx-fixed-deposit-account-maturity-terms-step>
+        }
+
+        <div class="cfa-actions">
+          <button mat-stroked-button (click)="prev()">
+            <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+            {{ 'labels.buttons.Previous' | translate }}
+          </button>
+          <span class="cfa-actions__spacer"></span>
+          <button mat-raised-button color="primary" (click)="next()">
+            {{ 'labels.buttons.Next' | translate }}
+            <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+          </button>
+        </div>
+      </div>
+    </mat-tab>
+
+    <!-- Tab 5: Preview -->
    <mat-tab [disabled]="!fixedDepositsAccountProductTemplate">
      <ng-template mat-tab-label>
        <fa-icon icon="eye" class="cfa-tab__icon"></fa-icon>
@@ -121,6 +155,7 @@
            [fixedDepositAccountData]="fixedDepositAccount"
            [selectedTenure]="selectedTenure"
            [fdNominees]="fixedDepositAccountCurrencyStep?.nominees ?? []"
+            [closureSettings]="fixedDepositAccountMaturityTermsStep?.closureSettings ?? {}"
            [hideButtons]="true"
            (submitEvent)="submit()"
          ></mifosx-fixed-deposit-account-preview-step>
@@ -24,6 +24,7 @@ import { MatTabsModule } from '@angular/material/tabs';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { FixedDepositAccountInterestRateChartStepComponent } from '../fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component';
 import { FixedDepositAccountPreviewStepComponent } from '../fixed-deposit-account-stepper/fixed-deposit-account-preview-step/fixed-deposit-account-preview-step.component';
+import { FixedDepositAccountMaturityTermsStepComponent } from '../fixed-deposit-account-stepper/fixed-deposit-account-maturity-terms-step/fixed-deposit-account-maturity-terms-step.component';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';

 /**
@@ -40,6 +41,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
    FixedDepositAccountDetailsStepComponent,
    FixedDepositAccountInterestRateChartStepComponent,
    FixedDepositAccountCurrencyStepComponent,
+    FixedDepositAccountMaturityTermsStepComponent,
    FixedDepositAccountPreviewStepComponent
  ]
 })
@@ -56,6 +58,10 @@ export class CreateFixedDepositAccountComponent {
  fixedDepositsAccountDetailsStep: FixedDepositAccountDetailsStepComponent;
  @ViewChild(FixedDepositAccountCurrencyStepComponent)
  fixedDepositAccountCurrencyStep: FixedDepositAccountCurrencyStepComponent;
+  @ViewChild(FixedDepositAccountPreviewStepComponent)
+  fixedDepositAccountPreviewStep: FixedDepositAccountPreviewStepComponent;
+  @ViewChild(FixedDepositAccountMaturityTermsStepComponent)
+  fixedDepositAccountMaturityTermsStep: FixedDepositAccountMaturityTermsStepComponent;

  /** Fixed Deposits Account Template */
  fixedDepositsAccountTemplate: any;
@@ -63,8 +69,8 @@ export class CreateFixedDepositAccountComponent {
  fixedDepositsAccountProductTemplate: any;
  /** Currently visible wizard tab (0-indexed). */
  selectedTabIndex = 0;
-  /** Total wizard tabs — Product, Currency, Chart, Preview. */
-  private readonly totalTabs = 4;
+  /** Total wizard tabs — Product, Currency, Chart, Terms, Preview. */
+  private readonly totalTabs = 5;
  /** Active CBS base interest rate versions for the selected product's FD type */
  cbsBaseRates: any[] = [];
  /** Tenure selected from the interest rate chart step */
@@ -243,6 +249,7 @@ export class CreateFixedDepositAccountComponent {
      ...this.fixedDepositAccount,
      ...terms,
      ...settings,
+      ...(this.fixedDepositAccountMaturityTermsStep?.closureSettings ?? {}),
      ...(this.selectedTenure
        ? {
            depositPeriod: this.selectedTenure.depositPeriod,
@@ -35,6 +35,7 @@
        <mifosx-fixed-deposit-account-details-step
          [fixedDepositsAccountTemplate]="fixedDepositsAccountAndTemplate"
          (fixedDepositsAccountProductTemplate)="setTemplate($event)"
+          [externalLinkedAccountId]="fixedDepositAccountMaturityTermsStep?.selectedTransferAccount?.id ?? null"
          [hideButtons]="true"
        >
        </mifosx-fixed-deposit-account-details-step>
@@ -111,7 +112,40 @@
      </div>
    </mat-tab>

-    <!-- Tab 4: Preview -->
+    <!-- Tab 4: Terms -->
+    <mat-tab [disabled]="!fixedDepositsAccountProductTemplate">
+      <ng-template mat-tab-label>
+        <fa-icon icon="file-alt" class="cfa-tab__icon"></fa-icon>
+        Terms
+      </ng-template>
+      <div class="cfa-tab-body">
+        @if (fixedDepositsAccountProductTemplate) {
+          <mifosx-fixed-deposit-account-maturity-terms-step
+            [fixedDepositsAccountTemplate]="fixedDepositsAccountAndTemplate"
+            [fixedDepositsAccountProductTemplate]="fixedDepositsAccountProductTemplate"
+            [linkedSavingsAccountId]="
+              fixedDepositsAccountDetailsStep?.selectedLinkedAccount?.accountType === 'SAVINGS'
+                ? fixedDepositsAccountDetailsStep?.selectedLinkedAccount?.id
+                : null
+            "
+          ></mifosx-fixed-deposit-account-maturity-terms-step>
+        }
+
+        <div class="cfa-actions">
+          <button mat-stroked-button (click)="prev()">
+            <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+            {{ 'labels.buttons.Previous' | translate }}
+          </button>
+          <span class="cfa-actions__spacer"></span>
+          <button mat-raised-button color="primary" (click)="next()">
+            {{ 'labels.buttons.Next' | translate }}
+            <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+          </button>
+        </div>
+      </div>
+    </mat-tab>
+
+    <!-- Tab 5: Preview -->
    <mat-tab [disabled]="!fixedDepositsAccountProductTemplate">
      <ng-template mat-tab-label>
        <fa-icon icon="eye" class="cfa-tab__icon"></fa-icon>
@@ -125,6 +159,7 @@
            [fixedDepositAccountData]="fixedDepositAccount"
            [selectedTenure]="selectedTenure"
            [fdNominees]="fixedDepositAccountCurrencyStep?.nominees ?? []"
+            [closureSettings]="fixedDepositAccountMaturityTermsStep?.closureSettings ?? {}"
            [hideButtons]="true"
            (submitEvent)="submit()"
          ></mifosx-fixed-deposit-account-preview-step>
@@ -25,6 +25,7 @@ import { MatTabsModule } from '@angular/material/tabs';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { FixedDepositAccountInterestRateChartStepComponent } from '../fixed-deposit-account-stepper/fixed-deposit-account-interest-rate-chart-step/fixed-deposit-account-interest-rate-chart-step.component';
 import { FixedDepositAccountPreviewStepComponent } from '../fixed-deposit-account-stepper/fixed-deposit-account-preview-step/fixed-deposit-account-preview-step.component';
+import { FixedDepositAccountMaturityTermsStepComponent } from '../fixed-deposit-account-stepper/fixed-deposit-account-maturity-terms-step/fixed-deposit-account-maturity-terms-step.component';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';

 /**
@@ -41,6 +42,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
    FixedDepositAccountDetailsStepComponent,
    FixedDepositAccountInterestRateChartStepComponent,
    FixedDepositAccountCurrencyStepComponent,
+    FixedDepositAccountMaturityTermsStepComponent,
    FixedDepositAccountPreviewStepComponent
  ]
 })
@@ -58,6 +60,10 @@ export class EditFixedDepositAccountComponent {
  fixedDepositsAccountDetailsStep: FixedDepositAccountDetailsStepComponent;
  @ViewChild(FixedDepositAccountCurrencyStepComponent)
  fixedDepositAccountCurrencyStep: FixedDepositAccountCurrencyStepComponent;
+  @ViewChild(FixedDepositAccountPreviewStepComponent)
+  fixedDepositAccountPreviewStep: FixedDepositAccountPreviewStepComponent;
+  @ViewChild(FixedDepositAccountMaturityTermsStepComponent)
+  fixedDepositAccountMaturityTermsStep: FixedDepositAccountMaturityTermsStepComponent;

  /** Full account data + template from resolver */
  fixedDepositsAccountAndTemplate: any;
@@ -65,7 +71,7 @@ export class EditFixedDepositAccountComponent {
  fixedDepositsAccountProductTemplate: any;
  /** Currently visible wizard tab (0-indexed). */
  selectedTabIndex = 0;
-  private readonly totalTabs = 4;
+  private readonly totalTabs = 5;
  /** Active CBS base interest rate versions for the selected product's FD type */
  cbsBaseRates: any[] = [];
  /** Tenure selected from the interest rate chart step */
@@ -236,6 +242,7 @@ export class EditFixedDepositAccountComponent {
      ...this.fixedDepositAccount,
      ...terms,
      ...settings,
+      ...(this.fixedDepositAccountMaturityTermsStep?.closureSettings ?? {}),
      ...(this.selectedTenure
        ? {
            depositPeriod: this.selectedTenure.depositPeriod,
@@ -7,7 +7,17 @@
 */

 /** Angular Imports */
-import { Component, OnInit, Input, Output, EventEmitter, inject, ChangeDetectorRef } from '@angular/core';
+import {
+  Component,
+  OnInit,
+  OnChanges,
+  SimpleChanges,
+  Input,
+  Output,
+  EventEmitter,
+  inject,
+  ChangeDetectorRef
+} from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, FormsModule } from '@angular/forms';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
@@ -43,7 +53,7 @@ import { IntroducerSearchComponent } from 'app/shared/introducer-search/introduc
    IntroducerSearchComponent
  ]
 })
-export class FixedDepositAccountDetailsStepComponent implements OnInit {
+export class FixedDepositAccountDetailsStepComponent implements OnInit, OnChanges {
  private formBuilder = inject(UntypedFormBuilder);
  private fixedDepositsService = inject(FixedDepositsService);
  private settingsService = inject(SettingsService);
@@ -56,6 +66,9 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit {
  /** Fixed Deposits Account Template */
  @Input() fixedDepositsAccountTemplate: any;
  @Input() hideButtons = false;
+  /** Linked-account id picked elsewhere in the wizard (e.g. the Terms step's Transfer to Savings
+   * account) -- pre-fills this card so the officer doesn't have to pick the same account twice. */
+  @Input() externalLinkedAccountId: number | null = null;

  /** Minimum date allowed. */
  minDate = new Date(2000, 0, 1);
@@ -222,6 +235,23 @@ export class FixedDepositAccountDetailsStepComponent implements OnInit {
    this.dalSearch = '';
  }

+  ngOnChanges(changes: SimpleChanges): void {
+    if (!changes.externalLinkedAccountId || this.selectedLinkedAccount) {
+      return;
+    }
+    const id = this.externalLinkedAccountId;
+    if (!id) return;
+    const savings = this.dalAllSavings.find((a: any) => a.id === id);
+    const current = this.dalAllCurrent.find((a: any) => a.id === id);
+    if (savings) {
+      this.dalSelectedType = 'SAVINGS';
+      this.selectedLinkedAccount = savings;
+    } else if (current) {
+      this.dalSelectedType = 'CURRENT';
+      this.selectedLinkedAccount = current;
+    }
+  }
+
  private loadClientAccounts(): void {
    const clientId = String(this.fixedDepositsAccountTemplate?.clientId);
    if (!clientId) return;
@@ -0,0 +1,108 @@
+<!--
+  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/.
+-->
+
+<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>
+
+  <mat-form-field class="flex-48">
+    <mat-label>{{ 'labels.inputs.Maturity Instructions' | translate }}</mat-label>
+    <mat-select formControlName="maturityInstructionId">
+      @for (maturityInstruction of maturityInstructionOptions; track maturityInstruction) {
+        <mat-option [value]="maturityInstruction.id">
+          {{ maturityInstruction.value | translateKey: 'catalogs' }}
+        </mat-option>
+      }
+    </mat-select>
+  </mat-form-field>
+
+  @if (closureSettingsForm.contains('transferToSavingsId')) {
+    <div class="dal-card flex-98">
+      <div class="dal-card__header">
+        <div class="dal-card__header-left">
+          <div class="dal-card__icon">
+            <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>
+          </div>
+        </div>
+      </div>
+
+      <div class="dal-card__body">
+        @if (selectedTransferAccount) {
+          <div class="dal-selected">
+            <div class="dal-selected__info">
+              <span class="dal-type-badge dal-type-badge--savings">
+                <mat-icon>savings</mat-icon>
+                Savings
+              </span>
+              <div class="dal-selected__details">
+                <span class="dal-selected__accno">{{ selectedTransferAccount.accountNo }}</span>
+                <span class="dal-selected__product">{{ selectedTransferAccount.savingsProductName }}</span>
+              </div>
+              @if (selectedTransferAccount.summary?.accountBalance != null) {
+                <div class="dal-selected__balance">
+                  <span class="dal-selected__bal-label">Balance</span>
+                  <span class="dal-selected__bal-amount">
+                    {{ selectedTransferAccount.currency?.code }}
+                    {{ selectedTransferAccount.summary.accountBalance | number: '1.2-2' }}
+                  </span>
+                </div>
+              }
+            </div>
+            <button
+              mat-stroked-button
+              color="primary"
+              type="button"
+              class="dal-change-btn"
+              (click)="clearTransferAccount()"
+            >
+              <mat-icon>swap_horiz</mat-icon>
+              Change
+            </button>
+          </div>
+        } @else {
+          <mat-form-field appearance="outline" class="flex-98">
+            <mat-label>{{ 'labels.inputs.Transfer to savings account' | translate }}</mat-label>
+            <mat-select formControlName="transferToSavingsId" required>
+              @for (account of savingsAccountsData; track account) {
+                <mat-option [value]="account.id">
+                  ({{ account.accountNo }}) {{ account.savingsProductName }}
+                </mat-option>
+              }
+            </mat-select>
+            <mat-error>Transfer to savings account is required</mat-error>
+          </mat-form-field>
+        }
+      </div>
+    </div>
+  }
+
+  <mat-checkbox class="flex-98 margin-v" labelPosition="before" formControlName="preClosurePenalApplicable">
+    {{ 'labels.inputs.Apply Penal Interest (less)' | translate }}
+  </mat-checkbox>
+
+  @if (closureSettingsForm.value.preClosurePenalApplicable) {
+    <mat-form-field class="flex-48">
+      <mat-label>{{ 'labels.inputs.Penal Interest' | translate }} (%)</mat-label>
+      <input type="number" matInput formControlName="preClosurePenalInterest" min="0" step="0.01" />
+    </mat-form-field>
+
+    <mat-form-field class="flex-48">
+      <mat-label>{{ 'labels.inputs.Period' | translate }}</mat-label>
+      <mat-select formControlName="preClosurePenalInterestOnTypeId">
+        @for (preClosurePenalInterestOnType of preClosurePenalInterestOnTypeData; track preClosurePenalInterestOnType) {
+          <mat-option [value]="preClosurePenalInterestOnType.id">
+            {{ preClosurePenalInterestOnType.value | translateKey: 'catalogs' }}
+          </mat-option>
+        }
+      </mat-select>
+    </mat-form-field>
+  }
+</form>
@@ -0,0 +1,152 @@
+/**
+ * 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/.
+ */
+
+// ── Transfer-to-Savings account card (mirrors the Deposit Account Link card) ──
+
+.dal-card {
+  margin-top: 16px;
+  border: 1px solid #e2e8f0;
+  border-radius: 12px;
+  background: #fff;
+  overflow: hidden;
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+    padding: 16px 24px;
+    border-bottom: 1px solid #f1f5f9;
+    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
+  }
+
+  &__header-left {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+  }
+
+  &__icon {
+    width: 44px;
+    height: 44px;
+    border-radius: 10px;
+    background: #0ea5e9;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    color: #fff;
+  }
+
+  &__title {
+    margin: 0;
+    font-size: 15px;
+    font-weight: 700;
+    color: #0c4a6e;
+  }
+
+  &__sub {
+    display: block;
+    font-size: 12px;
+    color: #64748b;
+    margin-top: 2px;
+  }
+
+  &__body {
+    padding: 20px 24px;
+  }
+}
+
+.dal-selected {
+  display: flex;
+  align-items: center;
+  gap: 16px;
+  padding: 16px 20px;
+  border: 2px solid #0ea5e9;
+  border-radius: 12px;
+  background: #f0f9ff;
+
+  &__info {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+    flex: 1;
+    flex-wrap: wrap;
+  }
+
+  &__details {
+    display: flex;
+    flex-direction: column;
+    gap: 2px;
+    flex: 1;
+  }
+
+  &__accno {
+    font-size: 15px;
+    font-weight: 700;
+    color: #0c4a6e;
+    font-family: monospace;
+  }
+
+  &__product {
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__balance {
+    display: flex;
+    flex-direction: column;
+    align-items: flex-end;
+    gap: 2px;
+  }
+
+  &__bal-label {
+    font-size: 10px;
+    color: #94a3b8;
+    text-transform: uppercase;
+    letter-spacing: 0.5px;
+  }
+
+  &__bal-amount {
+    font-size: 15px;
+    font-weight: 700;
+    color: #0c4a6e;
+  }
+}
+
+.dal-change-btn {
+  white-space: nowrap;
+}
+
+.dal-type-badge {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  padding: 4px 12px;
+  border-radius: 999px;
+  font-size: 12px;
+  font-weight: 700;
+  white-space: nowrap;
+  background: #f1f5f9;
+  color: #475569;
+  border: 1px solid #e2e8f0;
+
+  mat-icon {
+    font-size: 14px;
+    width: 14px;
+    height: 14px;
+  }
+
+  &--savings {
+    background: #eff6ff;
+    color: #1d4ed8;
+    border-color: #bfdbfe;
+
+    mat-icon {
+      color: #2563eb;
+    }
+  }
+}
@@ -0,0 +1,117 @@
+/**
+ * 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, Input, OnChanges, SimpleChanges, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, UntypedFormControl, Validators } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { MatIcon } from '@angular/material/icon';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Fixed Deposit Account Maturity Terms Step -- what happens to this account at maturity
+ * (Withdraw / Transfer to Savings / Reinvest) and the pre-mature-closure penalty, decided
+ * per account rather than silently inherited from the product.
+ */
+@Component({
+  selector: 'mifosx-fixed-deposit-account-maturity-terms-step',
+  templateUrl: './fixed-deposit-account-maturity-terms-step.component.html',
+  styleUrls: ['./fixed-deposit-account-maturity-terms-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox,
+    MatIcon
+  ]
+})
+export class FixedDepositAccountMaturityTermsStepComponent implements OnChanges {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  @Input() fixedDepositsAccountTemplate: any;
+  @Input() fixedDepositsAccountProductTemplate: any;
+  /** Account already linked elsewhere in the wizard (the Details step's Deposit Account Link) --
+   * pre-fills Transfer to Savings so the officer doesn't have to pick the same account twice. */
+  @Input() linkedSavingsAccountId: number | null = null;
+
+  closureSettingsForm: UntypedFormGroup;
+  maturityInstructionOptions: any[] = [];
+  savingsAccountsData: any[] = [];
+  preClosurePenalInterestOnTypeData: any[] = [];
+
+  constructor() {
+    this.closureSettingsForm = this.formBuilder.group({
+      maturityInstructionId: [''],
+      preClosurePenalApplicable: [false],
+      preClosurePenalInterest: [
+        '',
+        Validators.min(0)
+      ],
+      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) {
+        this.closureSettingsForm.addControl(
+          'transferToSavingsId',
+          new UntypedFormControl(this.linkedSavingsAccountId ?? '', Validators.required)
+        );
+      } else {
+        this.closureSettingsForm.removeControl('transferToSavingsId');
+      }
+    });
+  }
+
+  ngOnChanges(changes: SimpleChanges) {
+    if (changes.linkedSavingsAccountId) {
+      const control = this.closureSettingsForm.get('transferToSavingsId');
+      if (control && !control.value && this.linkedSavingsAccountId) {
+        control.setValue(this.linkedSavingsAccountId);
+      }
+    }
+    if (this.fixedDepositsAccountProductTemplate) {
+      // Withdraw Deposit (id 100) books the maturity proceeds out of the bank's cash/vault the moment
+      // the account matures, before the customer has actually collected it -- disabled everywhere.
+      this.maturityInstructionOptions = (
+        this.fixedDepositsAccountProductTemplate.maturityInstructionOptions ?? []
+      ).filter((option: any) => option.id !== 100);
+      this.savingsAccountsData = this.fixedDepositsAccountProductTemplate.savingsAccounts ?? [];
+      this.preClosurePenalInterestOnTypeData =
+        this.fixedDepositsAccountProductTemplate.preClosurePenalInterestOnTypeOptions ?? [];
+      if (!this.closureSettingsForm.get('preClosurePenalApplicable').dirty) {
+        this.closureSettingsForm.patchValue({
+          preClosurePenalApplicable: this.fixedDepositsAccountProductTemplate.preClosurePenalApplicable ?? false,
+          preClosurePenalInterest: this.fixedDepositsAccountProductTemplate.preClosurePenalInterest ?? '',
+          preClosurePenalInterestOnTypeId:
+            this.fixedDepositsAccountProductTemplate.preClosurePenalInterestOnType?.id ?? ''
+        });
+      }
+    }
+  }
+
+  /** The linked-savings account for the transfer-to-savings 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;
+  }
+
+  clearTransferAccount(): void {
+    this.closureSettingsForm.get('transferToSavingsId')?.setValue('');
+  }
+
+  /** Chosen maturity/closure settings, ready to merge into the submit payload. */
+  get closureSettings() {
+    const settings = this.closureSettingsForm.getRawValue();
+    for (const key in settings) {
+      if (settings[key] === '') {
+        delete settings[key];
+      }
+    }
+    return settings;
+  }
+}
@@ -683,6 +683,41 @@
  </div>
 </div>

+<div class="preview-section">
+  <div class="preview-section__header">
+    <i class="fas fa-flag-checkered preview-section__icon"></i>
+    <span class="preview-section__title">Maturity &amp; Pre-mature Closure</span>
+  </div>
+  <div class="preview-body">
+    <div class="preview-grid preview-grid--three">
+      <div class="preview-field">
+        <span class="preview-label">{{ 'labels.inputs.Maturity Instructions' | translate }}</span>
+        <span class="preview-value">{{ closureMaturityInstructionLabel }}</span>
+      </div>
+      @if (closureSettings?.transferToSavingsId) {
+        <div class="preview-field">
+          <span class="preview-label">{{ 'labels.inputs.Transfer to savings account' | translate }}</span>
+          <span class="preview-value">{{ closureTransferToSavingsLabel }}</span>
+        </div>
+      }
+      <div class="preview-field">
+        <span class="preview-label">{{ 'labels.inputs.Apply Penal Interest (less)' | translate }}</span>
+        <span class="preview-value">{{ closureSettings?.preClosurePenalApplicable | yesNo }}</span>
+      </div>
+      @if (closureSettings?.preClosurePenalApplicable) {
+        <div class="preview-field">
+          <span class="preview-label">{{ 'labels.inputs.Penal Interest' | translate }} (%)</span>
+          <span class="preview-value">{{ closureSettings?.preClosurePenalInterest }}%</span>
+        </div>
+        <div class="preview-field">
+          <span class="preview-label">{{ 'labels.inputs.Period' | translate }}</span>
+          <span class="preview-value">{{ closurePenalInterestOnTypeLabel }}</span>
+        </div>
+      }
+    </div>
+  </div>
+</div>
+
@if (!hideButtons) {
  <div class="layout-row responsive-column align-center gap-2px margin-t">
    <button mat-raised-button matStepperPrevious>
@@ -164,7 +164,26 @@ export class FixedDepositAccountPreviewStepComponent implements OnChanges {
  /** Form submission event */
  @Output() submitEvent = new EventEmitter();

-  constructor() {}
+  /** Maturity/pre-mature-closure choices made in the Terms step -- shown here read-only. */
+  @Input() closureSettings: any = {};
+
+  get closureMaturityInstructionLabel(): string {
+    const options = this.fixedDepositsAccountProductTemplate?.maturityInstructionOptions ?? [];
+    const match = options.find((o: any) => o.id === this.closureSettings?.maturityInstructionId);
+    return match?.value ?? '—';
+  }
+
+  get closureTransferToSavingsLabel(): string {
+    const accounts = this.fixedDepositsAccountProductTemplate?.savingsAccounts ?? [];
+    const match = accounts.find((a: any) => a.id === this.closureSettings?.transferToSavingsId);
+    return match ? `(${match.accountNo}) ${match.savingsProductName}` : '—';
+  }
+
+  get closurePenalInterestOnTypeLabel(): string {
+    const options = this.fixedDepositsAccountProductTemplate?.preClosurePenalInterestOnTypeOptions ?? [];
+    const match = options.find((o: any) => o.id === this.closureSettings?.preClosurePenalInterestOnTypeId);
+    return match?.value ?? '—';
+  }

  ngOnChanges() {
    if (this.fixedDepositsAccountProductTemplate) {
@@ -79,6 +79,16 @@

    <!-- Action menu (kebab) -->
    <div class="fd-hero__actions">
+      @if (!fixedDepositsAccountData.status.rejected && !fixedDepositsAccountData.status.submittedAndPendingApproval) {
+        <button
+          mat-icon-button
+          matTooltip="Print Certificate"
+          (click)="printCertificate()"
+          aria-label="Print certificate"
+        >
+          <fa-icon icon="print"></fa-icon>
+        </button>
+      }
      <button mat-icon-button [matMenuTriggerFor]="accountMenu" aria-label="Account actions" yPosition="below">
        <fa-icon icon="ellipsis-v"></fa-icon>
      </button>
@@ -16,6 +16,7 @@ import { ConfirmationDialogComponent } from 'app/shared/confirmation-dialog/conf
 import { CalculateInterestDialogComponent } from './custom-dialogs/calculate-interest-dialog/calculate-interest-dialog.component';
 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 { DepositCertificateDialogComponent } from 'app/shared/deposit-certificate-dialog/deposit-certificate-dialog.component';

 /** Custom Button Config. */
 import { FixedDepositsButtonsConfiguration } from './fixed-deposits-buttons.config';
@@ -358,6 +359,20 @@ export class FixedDepositAccountViewComponent implements OnInit {
    });
  }

+  /**
+   * Opens a printable deposit certificate for this account.
+   */
+  printCertificate() {
+    this.dialog.open(DepositCertificateDialogComponent, {
+      width: '900px',
+      data: {
+        accountType: 'FD',
+        accountData: this.fixedDepositsAccountData,
+        clientId: this.fixedDepositsAccountData.clientId
+      }
+    });
+  }
+
  /**
   * Disables withhold tax for fixed deposits account
   * Fixed deposits endpoint is not supported so using Savings endpoint.
@@ -33,6 +33,7 @@
        <mifosx-recurring-deposits-account-details-step
          [recurringDepositsAccountTemplate]="recurringDepositsAccountTemplate"
          (recurringDepositsAccountProductTemplate)="setTemplate($event)"
+          [externalLinkedAccountId]="recurringDepositsAccountMaturityTermsStep?.selectedTransferAccount?.id ?? null"
        >
        </mifosx-recurring-deposits-account-details-step>

@@ -111,7 +112,40 @@
      </div>
    </mat-tab>

-    <!-- Tab 4: Preview -->
+    <!-- Tab 4: Terms -->
+    <mat-tab [disabled]="!recurringDepositsAccountProductTemplate">
+      <ng-template mat-tab-label>
+        <fa-icon icon="file-alt" class="cra-tab__icon"></fa-icon>
+        Terms
+      </ng-template>
+      <div class="cra-tab-body">
+        @if (recurringDepositsAccountProductTemplate) {
+          <mifosx-recurring-deposits-account-maturity-terms-step
+            [recurringDepositsAccountTemplate]="recurringDepositsAccountTemplate"
+            [recurringDepositsAccountProductTemplate]="recurringDepositsAccountProductTemplate"
+            [linkedSavingsAccountId]="
+              recurringDepositsAccountDetailsStep?.selectedLinkedAccount?.accountType === 'SAVINGS'
+                ? recurringDepositsAccountDetailsStep?.selectedLinkedAccount?.id
+                : null
+            "
+          ></mifosx-recurring-deposits-account-maturity-terms-step>
+        }
+
+        <div class="cra-actions">
+          <button mat-stroked-button (click)="prev()">
+            <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+            {{ 'labels.buttons.Previous' | translate }}
+          </button>
+          <span class="cra-actions__spacer"></span>
+          <button mat-raised-button color="primary" (click)="next()">
+            {{ 'labels.buttons.Next' | translate }}
+            <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+          </button>
+        </div>
+      </div>
+    </mat-tab>
+
+    <!-- Tab 5: Preview -->
    <mat-tab [disabled]="!recurringDepositsAccountProductTemplate">
      <ng-template mat-tab-label>
        <fa-icon icon="eye" class="cra-tab__icon"></fa-icon>
@@ -132,6 +166,7 @@
            [rdDaysInYear]="rdDaysInYear"
            [rdAppliedRate]="rdAppliedRate"
            [rdIsSeniorCitizen]="rdIsSeniorCitizen"
+            [closureSettings]="recurringDepositsAccountMaturityTermsStep?.closureSettings ?? {}"
            [hideButtons]="true"
            (submitEvent)="submit()"
          >
@@ -24,6 +24,7 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { RecurringDepositsAccountCurrencyStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-currency-step/recurring-deposits-account-currency-step.component';
 import { RecurringDepositsAccountInterestRateChartStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-interest-rate-chart-step/recurring-deposits-account-interest-rate-chart-step.component';
 import { RecurringDepositsAccountPreviewStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-preview-step/recurring-deposits-account-preview-step.component';
+import { RecurringDepositsAccountMaturityTermsStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-maturity-terms-step/recurring-deposits-account-maturity-terms-step.component';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';

 /**
@@ -40,6 +41,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
    RecurringDepositsAccountDetailsStepComponent,
    RecurringDepositsAccountCurrencyStepComponent,
    RecurringDepositsAccountInterestRateChartStepComponent,
+    RecurringDepositsAccountMaturityTermsStepComponent,
    RecurringDepositsAccountPreviewStepComponent
  ]
 })
@@ -61,6 +63,12 @@ export class CreateRecurringDepositsAccountComponent {
  @ViewChild(RecurringDepositsAccountInterestRateChartStepComponent)
  recurringDepositsAccountChartStep: RecurringDepositsAccountInterestRateChartStepComponent;

+  @ViewChild(RecurringDepositsAccountPreviewStepComponent)
+  recurringDepositsAccountPreviewStep: RecurringDepositsAccountPreviewStepComponent;
+
+  @ViewChild(RecurringDepositsAccountMaturityTermsStepComponent)
+  recurringDepositsAccountMaturityTermsStep: RecurringDepositsAccountMaturityTermsStepComponent;
+
  /** Recurring Deposits Account Template */
  recurringDepositsAccountTemplate: any;
  /** Recurring Deposit Account Product Template */
@@ -68,7 +76,7 @@ export class CreateRecurringDepositsAccountComponent {
  /** Currently visible wizard tab (0-indexed). */
  selectedTabIndex = 0;
  /** Total wizard tabs — Product, Currency, Chart, Preview. */
-  private readonly totalTabs = 4;
+  private readonly totalTabs = 5;
  /** Active CBS base interest rate versions */
  cbsBaseRates: any[] = [];
  /** Selected tenure value and frequency from calculator */
@@ -258,6 +266,7 @@ export class CreateRecurringDepositsAccountComponent {
      ...details,
      ...terms,
      ...settings,
+      ...(this.recurringDepositsAccountMaturityTermsStep?.closureSettings ?? {}),
      ...productDefaults,
      clientId: this.recurringDepositsAccountTemplate.clientId,
      mandatoryRecommendedDepositAmount: pt?.minDepositAmount ?? 0,
@@ -35,6 +35,7 @@
        <mifosx-recurring-deposits-account-details-step
          [recurringDepositsAccountTemplate]="recurringDepositsAccountAndTemplate"
          (recurringDepositsAccountProductTemplate)="setTemplate($event)"
+          [externalLinkedAccountId]="recurringDepositsAccountMaturityTermsStep?.selectedTransferAccount?.id ?? null"
        >
        </mifosx-recurring-deposits-account-details-step>

@@ -115,7 +116,40 @@
      </div>
    </mat-tab>

-    <!-- Tab 4: Preview -->
+    <!-- Tab 4: Terms -->
+    <mat-tab [disabled]="!recurringDepositsAccountProductTemplate">
+      <ng-template mat-tab-label>
+        <fa-icon icon="file-alt" class="cra-tab__icon"></fa-icon>
+        Terms
+      </ng-template>
+      <div class="cra-tab-body">
+        @if (recurringDepositsAccountProductTemplate) {
+          <mifosx-recurring-deposits-account-maturity-terms-step
+            [recurringDepositsAccountTemplate]="recurringDepositsAccountAndTemplate"
+            [recurringDepositsAccountProductTemplate]="recurringDepositsAccountProductTemplate"
+            [linkedSavingsAccountId]="
+              recurringDepositsAccountDetailsStep?.selectedLinkedAccount?.accountType === 'SAVINGS'
+                ? recurringDepositsAccountDetailsStep?.selectedLinkedAccount?.id
+                : null
+            "
+          ></mifosx-recurring-deposits-account-maturity-terms-step>
+        }
+
+        <div class="cra-actions">
+          <button mat-stroked-button (click)="prev()">
+            <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+            {{ 'labels.buttons.Previous' | translate }}
+          </button>
+          <span class="cra-actions__spacer"></span>
+          <button mat-raised-button color="primary" (click)="next()">
+            {{ 'labels.buttons.Next' | translate }}
+            <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+          </button>
+        </div>
+      </div>
+    </mat-tab>
+
+    <!-- Tab 5: Preview -->
    <mat-tab [disabled]="!recurringDepositsAccountProductTemplate">
      <ng-template mat-tab-label>
        <fa-icon icon="eye" class="cra-tab__icon"></fa-icon>
@@ -136,6 +170,7 @@
            [rdDaysInYear]="rdDaysInYear"
            [rdAppliedRate]="rdAppliedRate"
            [rdIsSeniorCitizen]="rdIsSeniorCitizen"
+            [closureSettings]="recurringDepositsAccountMaturityTermsStep?.closureSettings ?? {}"
            [hideButtons]="true"
            (submitEvent)="submit()"
          >
@@ -25,6 +25,7 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { RecurringDepositsAccountCurrencyStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-currency-step/recurring-deposits-account-currency-step.component';
 import { RecurringDepositsAccountInterestRateChartStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-interest-rate-chart-step/recurring-deposits-account-interest-rate-chart-step.component';
 import { RecurringDepositsAccountPreviewStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-preview-step/recurring-deposits-account-preview-step.component';
+import { RecurringDepositsAccountMaturityTermsStepComponent } from '../recurring-deposits-account-stepper/recurring-deposits-account-maturity-terms-step/recurring-deposits-account-maturity-terms-step.component';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';

 /**
@@ -41,6 +42,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
    RecurringDepositsAccountDetailsStepComponent,
    RecurringDepositsAccountCurrencyStepComponent,
    RecurringDepositsAccountInterestRateChartStepComponent,
+    RecurringDepositsAccountMaturityTermsStepComponent,
    RecurringDepositsAccountPreviewStepComponent
  ]
 })
@@ -63,13 +65,19 @@ export class EditRecurringDepositAccountComponent {
  @ViewChild(RecurringDepositsAccountInterestRateChartStepComponent)
  recurringDepositsAccountChartStep: RecurringDepositsAccountInterestRateChartStepComponent;

+  @ViewChild(RecurringDepositsAccountPreviewStepComponent)
+  recurringDepositsAccountPreviewStep: RecurringDepositsAccountPreviewStepComponent;
+
+  @ViewChild(RecurringDepositsAccountMaturityTermsStepComponent)
+  recurringDepositsAccountMaturityTermsStep: RecurringDepositsAccountMaturityTermsStepComponent;
+
  /** Full account data + template from resolver */
  recurringDepositsAccountAndTemplate: any;
  /** Product template emitted by details step */
  recurringDepositsAccountProductTemplate: any;
  /** Currently visible wizard tab (0-indexed). */
  selectedTabIndex = 0;
-  private readonly totalTabs = 4;
+  private readonly totalTabs = 5;
  /** Active CBS base interest rate versions */
  cbsBaseRates: any[] = [];
  /** Selected tenure value and frequency from calculator */
@@ -277,6 +285,7 @@ export class EditRecurringDepositAccountComponent {
      ...details,
      ...terms,
      ...settings,
+      ...(this.recurringDepositsAccountMaturityTermsStep?.closureSettings ?? {}),
      ...productDefaults,
      clientId: this.recurringDepositsAccountAndTemplate.clientId,
      mandatoryRecommendedDepositAmount: pt?.minDepositAmount ?? 0,
@@ -7,7 +7,17 @@
 */

 /** Angular Imports */
-import { Component, OnInit, Input, Output, EventEmitter, inject, ChangeDetectorRef } from '@angular/core';
+import {
+  Component,
+  OnInit,
+  OnChanges,
+  SimpleChanges,
+  Input,
+  Output,
+  EventEmitter,
+  inject,
+  ChangeDetectorRef
+} from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, FormsModule } from '@angular/forms';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
@@ -43,7 +53,7 @@ import { IntroducerSearchComponent } from 'app/shared/introducer-search/introduc
    IntroducerSearchComponent
  ]
 })
-export class RecurringDepositsAccountDetailsStepComponent implements OnInit {
+export class RecurringDepositsAccountDetailsStepComponent implements OnInit, OnChanges {
  private formBuilder = inject(UntypedFormBuilder);
  private recurringDepositsService = inject(RecurringDepositsService);
  private settingsService = inject(SettingsService);
@@ -56,6 +66,10 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit {
  /** Recurring Deposits Account Template */
  @Input() recurringDepositsAccountTemplate: any;

+  /** Linked-account id picked elsewhere in the wizard (e.g. the Terms step's Transfer to Savings
+   * account) -- pre-fills this card so the officer doesn't have to pick the same account twice. */
+  @Input() externalLinkedAccountId: number | null = null;
+
  /** Minimum date allowed. */
  minDate = new Date(2000, 0, 1);
  /** Maximum date allowed. */
@@ -198,6 +212,23 @@ export class RecurringDepositsAccountDetailsStepComponent implements OnInit {
    this.dalSearch = '';
  }

+  ngOnChanges(changes: SimpleChanges): void {
+    if (!changes.externalLinkedAccountId || this.selectedLinkedAccount) {
+      return;
+    }
+    const id = this.externalLinkedAccountId;
+    if (!id) return;
+    const savings = this.dalAllSavings.find((a: any) => a.id === id);
+    const current = this.dalAllCurrent.find((a: any) => a.id === id);
+    if (savings) {
+      this.dalSelectedType = 'SAVINGS';
+      this.selectedLinkedAccount = savings;
+    } else if (current) {
+      this.dalSelectedType = 'CURRENT';
+      this.selectedLinkedAccount = current;
+    }
+  }
+
  private loadClientAccounts(): void {
    const clientId = String(this.recurringDepositsAccountTemplate?.clientId);
    if (!clientId) return;
@@ -0,0 +1,108 @@
+<!--
+  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/.
+-->
+
+<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>
+
+  <mat-form-field class="flex-48">
+    <mat-label>{{ 'labels.inputs.Maturity Instructions' | translate }}</mat-label>
+    <mat-select formControlName="maturityInstructionId">
+      @for (maturityInstruction of maturityInstructionOptions; track maturityInstruction) {
+        <mat-option [value]="maturityInstruction.id">
+          {{ maturityInstruction.value | translateKey: 'catalogs' }}
+        </mat-option>
+      }
+    </mat-select>
+  </mat-form-field>
+
+  @if (closureSettingsForm.contains('transferToSavingsId')) {
+    <div class="dal-card flex-98">
+      <div class="dal-card__header">
+        <div class="dal-card__header-left">
+          <div class="dal-card__icon">
+            <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>
+          </div>
+        </div>
+      </div>
+
+      <div class="dal-card__body">
+        @if (selectedTransferAccount) {
+          <div class="dal-selected">
+            <div class="dal-selected__info">
+              <span class="dal-type-badge dal-type-badge--savings">
+                <mat-icon>savings</mat-icon>
+                Savings
+              </span>
+              <div class="dal-selected__details">
+                <span class="dal-selected__accno">{{ selectedTransferAccount.accountNo }}</span>
+                <span class="dal-selected__product">{{ selectedTransferAccount.savingsProductName }}</span>
+              </div>
+              @if (selectedTransferAccount.summary?.accountBalance != null) {
+                <div class="dal-selected__balance">
+                  <span class="dal-selected__bal-label">Balance</span>
+                  <span class="dal-selected__bal-amount">
+                    {{ selectedTransferAccount.currency?.code }}
+                    {{ selectedTransferAccount.summary.accountBalance | number: '1.2-2' }}
+                  </span>
+                </div>
+              }
+            </div>
+            <button
+              mat-stroked-button
+              color="primary"
+              type="button"
+              class="dal-change-btn"
+              (click)="clearTransferAccount()"
+            >
+              <mat-icon>swap_horiz</mat-icon>
+              Change
+            </button>
+          </div>
+        } @else {
+          <mat-form-field appearance="outline" class="flex-98">
+            <mat-label>{{ 'labels.inputs.Transfer to savings account' | translate }}</mat-label>
+            <mat-select formControlName="transferToSavingsId" required>
+              @for (account of savingsAccountsData; track account) {
+                <mat-option [value]="account.id">
+                  ({{ account.accountNo }}) {{ account.savingsProductName }}
+                </mat-option>
+              }
+            </mat-select>
+            <mat-error>Transfer to savings account is required</mat-error>
+          </mat-form-field>
+        }
+      </div>
+    </div>
+  }
+
+  <mat-checkbox class="flex-98 margin-v" labelPosition="before" formControlName="preClosurePenalApplicable">
+    {{ 'labels.inputs.Apply Penal Interest (less)' | translate }}
+  </mat-checkbox>
+
+  @if (closureSettingsForm.value.preClosurePenalApplicable) {
+    <mat-form-field class="flex-48">
+      <mat-label>{{ 'labels.inputs.Penal Interest' | translate }} (%)</mat-label>
+      <input type="number" matInput formControlName="preClosurePenalInterest" min="0" step="0.01" />
+    </mat-form-field>
+
+    <mat-form-field class="flex-48">
+      <mat-label>{{ 'labels.inputs.Period' | translate }}</mat-label>
+      <mat-select formControlName="preClosurePenalInterestOnTypeId">
+        @for (preClosurePenalInterestOnType of preClosurePenalInterestOnTypeData; track preClosurePenalInterestOnType) {
+          <mat-option [value]="preClosurePenalInterestOnType.id">
+            {{ preClosurePenalInterestOnType.value | translateKey: 'catalogs' }}
+          </mat-option>
+        }
+      </mat-select>
+    </mat-form-field>
+  }
+</form>
@@ -0,0 +1,152 @@
+/**
+ * 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/.
+ */
+
+// ── Transfer-to-Savings account card (mirrors the Deposit Account Link card) ──
+
+.dal-card {
+  margin-top: 16px;
+  border: 1px solid #e2e8f0;
+  border-radius: 12px;
+  background: #fff;
+  overflow: hidden;
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+    padding: 16px 24px;
+    border-bottom: 1px solid #f1f5f9;
+    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
+  }
+
+  &__header-left {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+  }
+
+  &__icon {
+    width: 44px;
+    height: 44px;
+    border-radius: 10px;
+    background: #0ea5e9;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    color: #fff;
+  }
+
+  &__title {
+    margin: 0;
+    font-size: 15px;
+    font-weight: 700;
+    color: #0c4a6e;
+  }
+
+  &__sub {
+    display: block;
+    font-size: 12px;
+    color: #64748b;
+    margin-top: 2px;
+  }
+
+  &__body {
+    padding: 20px 24px;
+  }
+}
+
+.dal-selected {
+  display: flex;
+  align-items: center;
+  gap: 16px;
+  padding: 16px 20px;
+  border: 2px solid #0ea5e9;
+  border-radius: 12px;
+  background: #f0f9ff;
+
+  &__info {
+    display: flex;
+    align-items: center;
+    gap: 14px;
+    flex: 1;
+    flex-wrap: wrap;
+  }
+
+  &__details {
+    display: flex;
+    flex-direction: column;
+    gap: 2px;
+    flex: 1;
+  }
+
+  &__accno {
+    font-size: 15px;
+    font-weight: 700;
+    color: #0c4a6e;
+    font-family: monospace;
+  }
+
+  &__product {
+    font-size: 12px;
+    color: #64748b;
+  }
+
+  &__balance {
+    display: flex;
+    flex-direction: column;
+    align-items: flex-end;
+    gap: 2px;
+  }
+
+  &__bal-label {
+    font-size: 10px;
+    color: #94a3b8;
+    text-transform: uppercase;
+    letter-spacing: 0.5px;
+  }
+
+  &__bal-amount {
+    font-size: 15px;
+    font-weight: 700;
+    color: #0c4a6e;
+  }
+}
+
+.dal-change-btn {
+  white-space: nowrap;
+}
+
+.dal-type-badge {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  padding: 4px 12px;
+  border-radius: 999px;
+  font-size: 12px;
+  font-weight: 700;
+  white-space: nowrap;
+  background: #f1f5f9;
+  color: #475569;
+  border: 1px solid #e2e8f0;
+
+  mat-icon {
+    font-size: 14px;
+    width: 14px;
+    height: 14px;
+  }
+
+  &--savings {
+    background: #eff6ff;
+    color: #1d4ed8;
+    border-color: #bfdbfe;
+
+    mat-icon {
+      color: #2563eb;
+    }
+  }
+}
@@ -0,0 +1,116 @@
+/**
+ * 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, Input, OnChanges, SimpleChanges, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, UntypedFormControl, Validators } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { MatIcon } from '@angular/material/icon';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * Recurring Deposit Account Maturity Terms Step -- what happens to this account at maturity
+ * (Withdraw / Transfer to Savings / Reinvest) and the pre-mature-closure penalty, decided
+ * per account rather than silently inherited from the product.
+ */
+@Component({
+  selector: 'mifosx-recurring-deposits-account-maturity-terms-step',
+  templateUrl: './recurring-deposits-account-maturity-terms-step.component.html',
+  styleUrls: ['./recurring-deposits-account-maturity-terms-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox,
+    MatIcon
+  ]
+})
+export class RecurringDepositsAccountMaturityTermsStepComponent implements OnChanges {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  @Input() recurringDepositsAccountTemplate: any;
+  @Input() recurringDepositsAccountProductTemplate: any;
+  /** Account already linked elsewhere in the wizard (the Details step's Deposit Account Link) --
+   * pre-fills Transfer to Savings so the officer doesn't have to pick the same account twice. */
+  @Input() linkedSavingsAccountId: number | null = null;
+
+  closureSettingsForm: UntypedFormGroup;
+  maturityInstructionOptions: any[] = [];
+  savingsAccountsData: any[] = [];
+  preClosurePenalInterestOnTypeData: any[] = [];
+
+  constructor() {
+    this.closureSettingsForm = this.formBuilder.group({
+      maturityInstructionId: [''],
+      preClosurePenalApplicable: [false],
+      preClosurePenalInterest: [
+        '',
+        Validators.min(0)
+      ],
+      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 RD instead, so they ignore this field too.
+      if (value === 200) {
+        this.closureSettingsForm.addControl(
+          'transferToSavingsId',
+          new UntypedFormControl(this.linkedSavingsAccountId ?? '', Validators.required)
+        );
+      } else {
+        this.closureSettingsForm.removeControl('transferToSavingsId');
+      }
+    });
+  }
+
+  ngOnChanges(changes: SimpleChanges) {
+    if (changes.linkedSavingsAccountId) {
+      const control = this.closureSettingsForm.get('transferToSavingsId');
+      if (control && !control.value && this.linkedSavingsAccountId) {
+        control.setValue(this.linkedSavingsAccountId);
+      }
+    }
+    const template = this.recurringDepositsAccountProductTemplate || this.recurringDepositsAccountTemplate;
+    if (template) {
+      // Withdraw Deposit (id 100) books the maturity proceeds out of the bank's cash/vault the moment
+      // the account matures, before the customer has actually collected it -- disabled everywhere.
+      this.maturityInstructionOptions = (template.maturityInstructionOptions ?? []).filter(
+        (option: any) => option.id !== 100
+      );
+      this.savingsAccountsData = template.savingsAccounts ?? [];
+      this.preClosurePenalInterestOnTypeData = template.preClosurePenalInterestOnTypeOptions ?? [];
+      if (!this.closureSettingsForm.get('preClosurePenalApplicable').dirty) {
+        this.closureSettingsForm.patchValue({
+          preClosurePenalApplicable: template.preClosurePenalApplicable ?? false,
+          preClosurePenalInterest: template.preClosurePenalInterest ?? '',
+          preClosurePenalInterestOnTypeId: template.preClosurePenalInterestOnType?.id ?? ''
+        });
+      }
+    }
+  }
+
+  /** The linked-savings account for the transfer-to-savings 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;
+  }
+
+  clearTransferAccount(): void {
+    this.closureSettingsForm.get('transferToSavingsId')?.setValue('');
+  }
+
+  /** Chosen maturity/closure settings, ready to merge into the submit payload. */
+  get closureSettings() {
+    const settings = this.closureSettingsForm.getRawValue();
+    for (const key in settings) {
+      if (settings[key] === '') {
+        delete settings[key];
+      }
+    }
+    return settings;
+  }
+}
@@ -853,6 +853,41 @@
  }
 </div>

+<div class="preview-section">
+  <div class="preview-section__header">
+    <i class="fas fa-flag-checkered preview-section__icon"></i>
+    <span class="preview-section__title">Maturity &amp; Pre-mature Closure</span>
+  </div>
+  <div class="preview-body">
+    <div class="preview-grid preview-grid--three">
+      <div class="preview-field">
+        <span class="preview-label">{{ 'labels.inputs.Maturity Instructions' | translate }}</span>
+        <span class="preview-value">{{ closureMaturityInstructionLabel }}</span>
+      </div>
+      @if (closureSettings?.transferToSavingsId) {
+        <div class="preview-field">
+          <span class="preview-label">{{ 'labels.inputs.Transfer to savings account' | translate }}</span>
+          <span class="preview-value">{{ closureTransferToSavingsLabel }}</span>
+        </div>
+      }
+      <div class="preview-field">
+        <span class="preview-label">{{ 'labels.inputs.Apply Penal Interest (less)' | translate }}</span>
+        <span class="preview-value">{{ closureSettings?.preClosurePenalApplicable | yesNo }}</span>
+      </div>
+      @if (closureSettings?.preClosurePenalApplicable) {
+        <div class="preview-field">
+          <span class="preview-label">{{ 'labels.inputs.Penal Interest' | translate }} (%)</span>
+          <span class="preview-value">{{ closureSettings?.preClosurePenalInterest }}%</span>
+        </div>
+        <div class="preview-field">
+          <span class="preview-label">{{ 'labels.inputs.Period' | translate }}</span>
+          <span class="preview-value">{{ closurePenalInterestOnTypeLabel }}</span>
+        </div>
+      }
+    </div>
+  </div>
+</div>
+
@if (!hideButtons) {
  <div class="layout-row responsive-column align-center gap-2px margin-t">
    <button mat-raised-button matStepperPrevious>
@@ -201,7 +201,29 @@ export class RecurringDepositsAccountPreviewStepComponent implements OnChanges {
  /** Expand Chart Slab Index used in the view */
  expandChartSlabIndex: number;

-  constructor() {}
+  /** Maturity/pre-mature-closure choices made in the Terms step -- shown here read-only. */
+  @Input() closureSettings: any = {};
+
+  get closureMaturityInstructionLabel(): string {
+    const template = this.recurringDepositsAccountProductTemplate || this.recurringDepositsAccountTemplate;
+    const options = template?.maturityInstructionOptions ?? [];
+    const match = options.find((o: any) => o.id === this.closureSettings?.maturityInstructionId);
+    return match?.value ?? '—';
+  }
+
+  get closureTransferToSavingsLabel(): string {
+    const template = this.recurringDepositsAccountProductTemplate || this.recurringDepositsAccountTemplate;
+    const accounts = template?.savingsAccounts ?? [];
+    const match = accounts.find((a: any) => a.id === this.closureSettings?.transferToSavingsId);
+    return match ? `(${match.accountNo}) ${match.savingsProductName}` : '—';
+  }
+
+  get closurePenalInterestOnTypeLabel(): string {
+    const template = this.recurringDepositsAccountProductTemplate || this.recurringDepositsAccountTemplate;
+    const options = template?.preClosurePenalInterestOnTypeOptions ?? [];
+    const match = options.find((o: any) => o.id === this.closureSettings?.preClosurePenalInterestOnTypeId);
+    return match?.value ?? '—';
+  }

  ngOnChanges() {
    const template = this.recurringDepositsAccountProductTemplate || this.recurringDepositsAccountTemplate;
@@ -17,6 +17,7 @@ import {
 } from '@angular/forms';
 import { SettingsService } from 'app/settings/settings.service';
 import { Currency } from 'app/shared/models/general.model';
+import { OptionData } from 'app/shared/models/option-data.model';
 import { MatCheckbox } from '@angular/material/checkbox';
 import { InputAmountComponent } from '../../../../shared/input-amount/input-amount.component';
 import { MatDivider } from '@angular/material/divider';
@@ -61,6 +62,10 @@ export class RecurringDepositsAccountSettingsStepComponent implements OnInit, On
  periodFrequencyTypeData: any[] = [];
  /** Preclosure Penal Interest Type on Data */
  preClosurePenalInterestOnTypeData: any[] = [];
+  /** Options for what happens to the account at maturity */
+  maturityInstructionOptions: OptionData[];
+  /** Savings accounts eligible as a maturity-proceeds transfer target */
+  savingsAccountsData: any;
  /** Tax Group */
  taxGroup: any;
  currency: Currency | null = null;
@@ -91,6 +96,7 @@ export class RecurringDepositsAccountSettingsStepComponent implements OnInit, On
          : '',
        maturityInstructions: recurringDepositsAccount.maturityInstructions ?? false,
        creditMaturityProceeds: recurringDepositsAccount.creditMaturityProceeds ?? false,
+        maturityInstructionId: recurringDepositsAccount.maturityInstructionId ?? '',
        penaltyGracePeriodMissedInstallments: recurringDepositsAccount.penaltyGracePeriodMissedInstallments ?? false,
        panelRequestApplicable: recurringDepositsAccount.panelRequestApplicable ?? false,
        noPenaltyNomineeHeirClosure: recurringDepositsAccount.noPenaltyNomineeHeirClosure ?? false,
@@ -182,6 +188,7 @@ export class RecurringDepositsAccountSettingsStepComponent implements OnInit, On
      lockinPeriodFrequencyType: [''],
      maturityInstructions: [false],
      creditMaturityProceeds: [false],
+      maturityInstructionId: [''],
      penaltyGracePeriodMissedInstallments: [false],
      panelRequestApplicable: [false],
      noPenaltyNomineeHeirClosure: [false],
@@ -217,6 +224,8 @@ export class RecurringDepositsAccountSettingsStepComponent implements OnInit, On
    this.lockinPeriodFrequencyTypeData = recurringDepositsAccount.lockinPeriodFrequencyTypeOptions;
    this.periodFrequencyTypeData = recurringDepositsAccount.periodFrequencyTypeOptions;
    this.preClosurePenalInterestOnTypeData = recurringDepositsAccount.preClosurePenalInterestOnTypeOptions;
+    this.maturityInstructionOptions = recurringDepositsAccount.maturityInstructionOptions;
+    this.savingsAccountsData = recurringDepositsAccount.savingsAccounts;
  }

  buildDependencies() {
@@ -233,6 +242,16 @@ export class RecurringDepositsAccountSettingsStepComponent implements OnInit, On
          this.recurringDepositAccountSettingsForm.addControl('recurringFrequencyType', new UntypedFormControl(''));
        }
      });
+    this.recurringDepositAccountSettingsForm.get('maturityInstructionId').valueChanges.subscribe((value: number) => {
+      if (value > 100) {
+        this.recurringDepositAccountSettingsForm.addControl(
+          'transferToSavingsId',
+          new UntypedFormControl('', Validators.required)
+        );
+      } else {
+        this.recurringDepositAccountSettingsForm.removeControl('transferToSavingsId');
+      }
+    });
  }

  get recurringDepositAccountSettings() {
@@ -87,6 +87,19 @@

    <!-- Action menu (kebab) -->
    <div class="rd-hero__actions">
+      @if (
+        !recurringDepositsAccountData.status.rejected &&
+        !recurringDepositsAccountData.status.submittedAndPendingApproval
+      ) {
+        <button
+          mat-icon-button
+          matTooltip="Print Certificate"
+          (click)="printCertificate()"
+          aria-label="Print certificate"
+        >
+          <fa-icon icon="print"></fa-icon>
+        </button>
+      }
      <button mat-icon-button [matMenuTriggerFor]="accountMenu" aria-label="Account actions" yPosition="below">
        <fa-icon icon="ellipsis-v"></fa-icon>
      </button>
@@ -22,6 +22,7 @@ import { RecurringDepositsButtonsConfiguration } from './recurring-deposits-butt
 import { DeleteDialogComponent } from 'app/shared/delete-dialog/delete-dialog.component';
 import { ConfirmationDialogComponent } from 'app/shared/confirmation-dialog/confirmation-dialog.component';
 import { RecurringDepositConfirmationDialogComponent } from './custom-dialogs/recurring-deposit-confirmation-dialog/recurring-deposit-confirmation-dialog.component';
+import { DepositCertificateDialogComponent } from 'app/shared/deposit-certificate-dialog/deposit-certificate-dialog.component';
 import { Currency } from 'app/shared/models/general.model';
 import { TranslateService } from '@ngx-translate/core';
 import { AccountsService } from 'app/accounts/accounts.service';
@@ -426,6 +427,20 @@ export class RecurringDepositsAccountViewComponent implements OnInit {
    });
  }

+  /**
+   * Opens a printable deposit certificate for this account.
+   */
+  printCertificate() {
+    this.dialog.open(DepositCertificateDialogComponent, {
+      width: '900px',
+      data: {
+        accountType: 'RD',
+        accountData: this.recurringDepositsAccountData,
+        clientId: this.recurringDepositsAccountData.clientId
+      }
+    });
+  }
+
  /**
   * Disables withhold tax for recurring deposits account
   * Recurring deposits endpoint is not supported so using Savings endpoint.
@@ -21,6 +21,33 @@
        <mat-checkbox formControlName="lienMarked">Lien Marked</mat-checkbox>
        <mat-checkbox formControlName="withdrawalFeeForTransfers">Apply Withdrawal Fee for Transfers</mat-checkbox>
      </div>
+
+      <mat-checkbox class="fdps-preclosure-toggle" formControlName="preClosurePenalApplicable">
+        {{ 'labels.inputs.Apply Penal Interest (less)' | translate }}
+      </mat-checkbox>
+
+      @if (fixedDepositProductSettingsForm.value.preClosurePenalApplicable) {
+        <div class="fdps-lockin-fields">
+          <mat-form-field appearance="outline" class="fdps-field">
+            <mat-label>{{ 'labels.inputs.Penal Interest' | translate }} (%)</mat-label>
+            <input type="number" matInput formControlName="preClosurePenalInterest" min="0" step="0.01" />
+          </mat-form-field>
+
+          <mat-form-field appearance="outline" class="fdps-field">
+            <mat-label>{{ 'labels.inputs.Period' | translate }}</mat-label>
+            <mat-select formControlName="preClosurePenalInterestOnTypeId">
+              @for (
+                preClosurePenalInterestOnType of preClosurePenalInterestOnTypeData;
+                track preClosurePenalInterestOnType
+              ) {
+                <mat-option [value]="preClosurePenalInterestOnType.id">
+                  {{ preClosurePenalInterestOnType.value | translateKey: 'catalogs' }}
+                </mat-option>
+              }
+            </mat-select>
+          </mat-form-field>
+        </div>
+      }
    </div>
  </div>

@@ -130,6 +130,15 @@ $gray-900: #202124;
  }
 }

+.fdps-preclosure-toggle {
+  display: block;
+  margin: 4px 0 16px;
+  padding-bottom: 16px;
+  border-bottom: 1px solid $gray-200;
+  font-size: 14px;
+  color: $gray-900;
+}
+
 .fdps-layout {
  display: grid;
  gap: 16px;
@@ -30,6 +30,7 @@ export class FixedDepositProductSettingsStepComponent implements OnInit {
  fixedDepositProductSettingsForm: UntypedFormGroup;

  lockinPeriodFrequencyTypeData: any;
+  preClosurePenalInterestOnTypeData: any;

  constructor() {
    this.createFixedDepositProductSettingsForm();
@@ -37,6 +38,7 @@ export class FixedDepositProductSettingsStepComponent implements OnInit {

  ngOnInit() {
    this.lockinPeriodFrequencyTypeData = this.fixedDepositProductsTemplate.lockinPeriodFrequencyTypeOptions;
+    this.preClosurePenalInterestOnTypeData = this.fixedDepositProductsTemplate.preClosurePenalInterestOnTypeOptions;

    if (this.fixedDepositProductsTemplate?.id) {
      this.fixedDepositProductSettingsForm.patchValue({
@@ -48,6 +50,9 @@ export class FixedDepositProductSettingsStepComponent implements OnInit {
        enableLockinPeriod: this.fixedDepositProductsTemplate.enableLockinPeriod ?? false,
        lockinPeriodFrequency: this.fixedDepositProductsTemplate.lockinPeriodFrequency ?? '',
        lockinPeriodFrequencyType: this.fixedDepositProductsTemplate.lockinPeriodFrequencyType?.id ?? '',
+        preClosurePenalApplicable: this.fixedDepositProductsTemplate.preClosurePenalApplicable ?? false,
+        preClosurePenalInterest: this.fixedDepositProductsTemplate.preClosurePenalInterest ?? '',
+        preClosurePenalInterestOnTypeId: this.fixedDepositProductsTemplate.preClosurePenalInterestOnType?.id ?? '',
        maturityInstructions: this.fixedDepositProductsTemplate.maturityInstructions ?? false,
        creditMaturityProceeds: this.fixedDepositProductsTemplate.creditMaturityProceeds ?? false,
        penaltyGracePeriodMissedInstallments:
@@ -76,6 +81,12 @@ export class FixedDepositProductSettingsStepComponent implements OnInit {
        Validators.min(0)
      ],
      lockinPeriodFrequencyType: [''],
+      preClosurePenalApplicable: [false],
+      preClosurePenalInterest: [
+        '',
+        Validators.min(0)
+      ],
+      preClosurePenalInterestOnTypeId: [''],
      maturityInstructions: [false],
      creditMaturityProceeds: [false],
      penaltyGracePeriodMissedInstallments: [false],
@@ -21,6 +21,33 @@
        <mat-checkbox formControlName="lienMarked">Lien Marked</mat-checkbox>
        <mat-checkbox formControlName="withdrawalFeeForTransfers">Apply Withdrawal Fee for Transfers</mat-checkbox>
      </div>
+
+      <mat-checkbox class="rdps-preclosure-toggle" formControlName="preClosurePenalApplicable">
+        {{ 'labels.inputs.Apply Penal Interest (less)' | translate }}
+      </mat-checkbox>
+
+      @if (recurringDepositProductSettingsForm.value.preClosurePenalApplicable) {
+        <div class="rdps-lockin-fields">
+          <mat-form-field appearance="outline" class="rdps-field">
+            <mat-label>{{ 'labels.inputs.Penal Interest' | translate }} (%)</mat-label>
+            <input type="number" matInput formControlName="preClosurePenalInterest" min="0" step="0.01" />
+          </mat-form-field>
+
+          <mat-form-field appearance="outline" class="rdps-field">
+            <mat-label>{{ 'labels.inputs.Period' | translate }}</mat-label>
+            <mat-select formControlName="preClosurePenalInterestOnTypeId">
+              @for (
+                preClosurePenalInterestOnType of preClosurePenalInterestOnTypeData;
+                track preClosurePenalInterestOnType
+              ) {
+                <mat-option [value]="preClosurePenalInterestOnType.id">
+                  {{ preClosurePenalInterestOnType.value | translateKey: 'catalogs' }}
+                </mat-option>
+              }
+            </mat-select>
+          </mat-form-field>
+        </div>
+      }
    </div>
  </div>

@@ -162,3 +162,12 @@ $gray-900: #202124;
    }
  }
 }
+
+.rdps-preclosure-toggle {
+  display: block;
+  margin: 4px 0 16px;
+  padding-bottom: 16px;
+  border-bottom: 1px solid $gray-200;
+  font-size: 14px;
+  color: $gray-900;
+}
@@ -28,6 +28,7 @@ export class RecurringDepositProductSettingsStepComponent implements OnInit {
  recurringDepositProductSettingsForm: UntypedFormGroup;

  lockinPeriodFrequencyTypeData: any;
+  preClosurePenalInterestOnTypeData: any;

  constructor() {
    this.createrecurringDepositProductSettingsForm();
@@ -35,6 +36,7 @@ export class RecurringDepositProductSettingsStepComponent implements OnInit {

  ngOnInit() {
    this.lockinPeriodFrequencyTypeData = this.recurringDepositProductsTemplate.lockinPeriodFrequencyTypeOptions;
+    this.preClosurePenalInterestOnTypeData = this.recurringDepositProductsTemplate.preClosurePenalInterestOnTypeOptions;

    if (this.recurringDepositProductsTemplate?.id) {
      this.recurringDepositProductSettingsForm.patchValue({
@@ -46,6 +48,9 @@ export class RecurringDepositProductSettingsStepComponent implements OnInit {
        enableLockinPeriod: this.recurringDepositProductsTemplate.enableLockinPeriod ?? false,
        lockinPeriodFrequency: this.recurringDepositProductsTemplate.lockinPeriodFrequency ?? '',
        lockinPeriodFrequencyType: this.recurringDepositProductsTemplate.lockinPeriodFrequencyType?.id ?? '',
+        preClosurePenalApplicable: this.recurringDepositProductsTemplate.preClosurePenalApplicable ?? false,
+        preClosurePenalInterest: this.recurringDepositProductsTemplate.preClosurePenalInterest ?? '',
+        preClosurePenalInterestOnTypeId: this.recurringDepositProductsTemplate.preClosurePenalInterestOnType?.id ?? '',
        maturityInstructions: this.recurringDepositProductsTemplate.maturityInstructions ?? false,
        creditMaturityProceeds: this.recurringDepositProductsTemplate.creditMaturityProceeds ?? false,
        penaltyGracePeriodMissedInstallments:
@@ -71,6 +76,9 @@ export class RecurringDepositProductSettingsStepComponent implements OnInit {
      enableLockinPeriod: [false],
      lockinPeriodFrequency: [''],
      lockinPeriodFrequencyType: [''],
+      preClosurePenalApplicable: [false],
+      preClosurePenalInterest: [''],
+      preClosurePenalInterestOnTypeId: [''],
      maturityInstructions: [false],
      creditMaturityProceeds: [false],
      penaltyGracePeriodMissedInstallments: [false],
@@ -0,0 +1,160 @@
+<!--
+  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/.
+-->
+<h2 mat-dialog-title class="dialog-header no-print">
+  <span>{{ accountType === 'FD' ? 'Fixed Deposit' : 'Recurring Deposit' }} Certificate</span>
+  <span class="flex-auto"></span>
+</h2>
+
+<div mat-dialog-content class="dialog-content-container">
+  <!-- Certificate Page Frame -->
+  <div class="certificate-container" id="deposit-certificate-print">
+    <div class="certificate-border-outer">
+      <div class="certificate-border-inner">
+        <!-- Certificate Watermark Icon/Seal -->
+        <div class="certificate-watermark">
+          <mat-icon class="watermark-icon">{{ accountType === 'FD' ? 'savings' : 'event_repeat' }}</mat-icon>
+        </div>
+
+        <div class="certificate-header">
+          <div class="bank-name">Nexora Co-operative Bank Ltd.</div>
+          <div class="bank-sub">Mumbai, Maharashtra, India</div>
+          <div class="cert-title">
+            {{ accountType === 'FD' ? 'FIXED DEPOSIT CERTIFICATE' : 'RECURRING DEPOSIT CERTIFICATE' }}
+          </div>
+          <div class="cert-subtitle">Issued under the Common Seal of the Bank</div>
+        </div>
+
+        <div class="cert-meta-row">
+          <div class="meta-item">
+            <span class="meta-label">Certificate No.</span>
+            <span class="meta-value">{{ certificateNo }}</span>
+          </div>
+          <div class="meta-item">
+            <span class="meta-label">Account No.</span>
+            <span class="meta-value">{{ accountData.accountNo }}</span>
+          </div>
+          <div class="meta-item">
+            <span class="meta-label">Date of Issue</span>
+            <span class="meta-value">{{ issueDate | dateFormat }}</span>
+          </div>
+        </div>
+
+        <div class="cert-body-section">
+          <p class="cert-main-text">
+            This is to certify that
+            <strong class="highlight-text">{{ accountData.clientName || accountData.groupName }}</strong>
+            holds a {{ accountType === 'FD' ? 'Fixed Deposit' : 'Recurring Deposit' }} account bearing account number
+            <strong class="highlight-text">{{ accountData.accountNo }}</strong>
+            with <strong class="highlight-text">Nexora Co-operative Bank Ltd.</strong>, as per the particulars set out
+            below.
+          </p>
+
+          <div class="issued-to-details">
+            <div class="issued-to-title">ISSUED TO:</div>
+            <div class="client-name-details">{{ accountData.clientName || accountData.groupName }}</div>
+            <div class="client-ids">
+              <span *ngIf="accountData.clientAccountNo"
+                ><strong>Customer ID:</strong> {{ accountData.clientAccountNo }}</span
+              >
+              <span *ngIf="panNumber && panNumber !== 'Not Available'">
+                &middot; <strong>PAN:</strong> {{ panNumber }}</span
+              >
+            </div>
+            <div class="client-address" *ngIf="clientAddress">
+              {{ clientAddress }}
+            </div>
+          </div>
+        </div>
+
+        <!-- Details Grid -->
+        <table class="certificate-details-table">
+          <tbody>
+            <tr>
+              <td class="lbl-col">Product</td>
+              <td class="val-col">{{ accountData.depositProductName }}</td>
+              <td class="lbl-col">{{ accountType === 'FD' ? 'Deposit Date' : 'First Deposit Date' }}</td>
+              <td class="val-col">{{ depositDate | dateFormat }}</td>
+            </tr>
+            <tr *ngIf="accountType === 'FD'">
+              <td class="lbl-col">Deposit Amount</td>
+              <td class="val-col">
+                {{ accountData.depositAmount | currency: accountData.currency.code : 'symbol-narrow' }}
+              </td>
+              <td class="lbl-col">Tenure</td>
+              <td class="val-col">{{ tenureLabel }}</td>
+            </tr>
+            <tr *ngIf="accountType === 'RD'">
+              <td class="lbl-col">Installment Amount</td>
+              <td class="val-col">
+                {{
+                  accountData.mandatoryRecommendedDepositAmount | currency: accountData.currency.code : 'symbol-narrow'
+                }}
+              </td>
+              <td class="lbl-col">Installment Frequency</td>
+              <td class="val-col">
+                Every {{ accountData.recurringFrequency }} {{ accountData.recurringFrequencyType?.value }}
+              </td>
+            </tr>
+            <tr *ngIf="accountType === 'RD'">
+              <td class="lbl-col">Tenure</td>
+              <td class="val-col">{{ tenureLabel }}</td>
+              <td class="lbl-col">Interest Rate (p.a.)</td>
+              <td class="val-col">{{ accountData.nominalAnnualInterestRate }}%</td>
+            </tr>
+            <tr *ngIf="accountType === 'FD'">
+              <td class="lbl-col">Interest Rate (p.a.)</td>
+              <td class="val-col">{{ accountData.nominalAnnualInterestRate }}%</td>
+              <td class="lbl-col">Interest Compounding</td>
+              <td class="val-col">{{ accountData.interestCompoundingPeriodType?.value }}</td>
+            </tr>
+            <tr>
+              <td class="lbl-col">Maturity Date</td>
+              <td class="val-col">{{ accountData.maturityDate | dateFormat }}</td>
+              <td class="lbl-col">Current Balance</td>
+              <td class="val-col">
+                {{ accountData.summary?.accountBalance | currency: accountData.currency.code : 'symbol-narrow' }}
+              </td>
+            </tr>
+            <tr class="highlight-row">
+              <td colspan="2" class="lbl-col-highlight">MATURITY AMOUNT</td>
+              <td colspan="2" class="val-col-highlight">
+                {{ accountData.maturityAmount | currency: accountData.currency.code : 'symbol-narrow' }}
+              </td>
+            </tr>
+          </tbody>
+        </table>
+
+        <div class="cert-footer">
+          <div class="seal-container">
+            <div class="seal-ring">
+              <div class="seal-text">COMMON SEAL</div>
+            </div>
+          </div>
+          <div class="closing-text">
+            Given under the common seal of the bank this {{ issueDate | date: 'd' }} day of
+            {{ issueDate | date: 'MMMM yyyy' }}.
+          </div>
+          <div class="signatures-container">
+            <div class="signature-block">
+              <div class="signature-line"></div>
+              <div class="signatory-title">Authorised Signatory</div>
+            </div>
+          </div>
+        </div>
+      </div>
+    </div>
+  </div>
+</div>
+
+<mat-dialog-actions align="end" class="no-print">
+  <button mat-button mat-dialog-close>{{ 'labels.buttons.Close' | translate }}</button>
+  <button mat-raised-button color="primary" (click)="printCertificate()">
+    <mat-icon class="m-r-5">print</mat-icon>
+    Print Certificate
+  </button>
+</mat-dialog-actions>
@@ -0,0 +1,512 @@
+/**
+ * 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/.
+ */
+
+.dialog-header {
+  display: flex;
+  align-items: center;
+  border-bottom: 1px solid #e0e0e0;
+  padding-bottom: 12px;
+  margin-bottom: 16px;
+  font-weight: 500;
+  color: #1a252c;
+}
+
+.dialog-content-container {
+  max-height: 80vh;
+  overflow-y: auto;
+  padding: 10px;
+}
+
+/* Certificate Outer Container */
+.certificate-container {
+  background-color: #faf8f5;
+  padding: 20px;
+  font-family: Georgia, 'Times New Roman', Times, serif;
+  color: #2c2520;
+  box-shadow: 0 4px 20px rgb(0 0 0 / 8%);
+  border-radius: 8px;
+  max-width: 800px;
+  margin: 0 auto;
+}
+
+/* Classic Ornate Border System */
+.certificate-border-outer {
+  border: 5px double #c5a059; /* Gold double border */
+  padding: 8px;
+  background-color: #fdfcf7; /* Textured light cream */
+  border-radius: 4px;
+  position: relative;
+}
+
+.certificate-border-inner {
+  border: 1px solid #dcd1bd;
+  padding: 30px;
+  border-radius: 2px;
+  position: relative;
+  overflow: hidden;
+}
+
+/* Watermark */
+.certificate-watermark {
+  position: absolute;
+  top: 50%;
+  left: 50%;
+  transform: translate(-50%, -50%);
+  opacity: 0.03;
+  pointer-events: none;
+  z-index: 1;
+
+  .watermark-icon {
+    font-size: 280px;
+    width: 280px;
+    height: 280px;
+    color: #c5a059;
+  }
+}
+
+.certificate-header,
+.cert-meta-row,
+.cert-body-section,
+.certificate-details-table,
+.cert-footer {
+  position: relative;
+  z-index: 2; /* Ensure content is above watermark */
+}
+
+/* Header styling */
+.certificate-header {
+  text-align: center;
+  margin-bottom: 30px;
+  border-bottom: 2px solid #f2edd5;
+  padding-bottom: 20px;
+
+  .bank-name {
+    font-size: 26px;
+    font-weight: bold;
+    color: #0b3c5d; /* Dark Premium Blue */
+    text-transform: uppercase;
+    letter-spacing: 1.5px;
+    margin-bottom: 4px;
+  }
+
+  .bank-sub {
+    font-size: 13px;
+    color: #7b6f63;
+    font-style: italic;
+    letter-spacing: 1px;
+    margin-bottom: 20px;
+  }
+
+  .cert-title {
+    font-size: 28px;
+    font-weight: 400;
+    color: #c5a059; /* Classic Gold */
+    letter-spacing: 4px;
+    margin-bottom: 5px;
+    font-family: Georgia, serif;
+  }
+
+  .cert-subtitle {
+    font-size: 11px;
+    color: #7b6f63;
+    text-transform: uppercase;
+    letter-spacing: 2px;
+  }
+}
+
+/* Meta Data Grid (Top of cert) */
+.cert-meta-row {
+  display: flex;
+  justify-content: space-between;
+  margin-bottom: 30px;
+  border-bottom: 1px solid #f2edd5;
+  padding-bottom: 15px;
+
+  .meta-item {
+    display: flex;
+    flex-direction: column;
+
+    .meta-label {
+      font-size: 11px;
+      text-transform: uppercase;
+      color: #928374;
+      letter-spacing: 1px;
+      margin-bottom: 3px;
+    }
+
+    .meta-value {
+      font-size: 15px;
+      font-weight: bold;
+      color: #322f2b;
+    }
+  }
+}
+
+/* Main Body text */
+.cert-body-section {
+  margin-bottom: 35px;
+
+  .cert-main-text {
+    font-size: 15px;
+    line-height: 1.8;
+    text-align: center;
+    color: #4a453f;
+    margin-bottom: 25px;
+
+    .highlight-text {
+      color: #1a202c;
+      font-weight: 600;
+      border-bottom: 1px dotted #c5a059;
+      padding-bottom: 1px;
+    }
+  }
+}
+
+/* Issued To Details Block */
+.issued-to-details {
+  border: 1px solid #f0e6d2;
+  background-color: #fbfaf5;
+  padding: 15px 20px;
+  border-radius: 4px;
+  margin: 20px auto;
+  max-width: 90%;
+  text-align: left;
+
+  .issued-to-title {
+    font-size: 10px;
+    font-weight: bold;
+    color: #c5a059;
+    letter-spacing: 1.5px;
+    margin-bottom: 6px;
+  }
+
+  .client-name-details {
+    font-size: 18px;
+    font-weight: bold;
+    color: #0b3c5d;
+    margin-bottom: 4px;
+  }
+
+  .client-ids {
+    font-size: 12px;
+    color: #666;
+    margin-bottom: 6px;
+  }
+
+  .client-address {
+    font-size: 12px;
+    color: #7b6f63;
+    line-height: 1.4;
+  }
+}
+
+/* Certificate Data Table */
+.certificate-details-table {
+  width: 100%;
+  border-collapse: collapse;
+  margin-bottom: 40px;
+
+  td {
+    padding: 10px 12px;
+    border: 1px solid #ede8db;
+    font-size: 13px;
+  }
+
+  .lbl-col {
+    background-color: #f7f5ee;
+    font-weight: bold;
+    color: #7b6f63;
+    width: 25%;
+  }
+
+  .val-col {
+    color: #322f2b;
+    width: 25%;
+  }
+
+  .highlight-row {
+    background-color: #f5f2e9;
+    border-top: 2px solid #c5a059;
+  }
+
+  .lbl-col-highlight {
+    font-weight: bold;
+    color: #0b3c5d;
+    font-size: 14px;
+    letter-spacing: 1px;
+    text-align: right;
+    padding-right: 20px;
+  }
+
+  .val-col-highlight {
+    font-size: 16px;
+    font-weight: bold;
+    color: #b8860b; /* Dark Goldenrod */
+  }
+}
+
+/* Certificate Footer Seal / Signatures */
+.cert-footer {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  margin-top: 20px;
+
+  .seal-container {
+    width: 25%;
+
+    .seal-ring {
+      width: 90px;
+      height: 90px;
+      border: 2px dashed #b8860b;
+      border-radius: 50%;
+      display: flex;
+      align-items: center;
+      justify-content: center;
+      margin: 0 auto;
+      transform: rotate(-15deg);
+
+      .seal-text {
+        font-size: 10px;
+        font-weight: bold;
+        color: #b8860b;
+        text-align: center;
+        line-height: 1.2;
+        letter-spacing: 1px;
+      }
+    }
+  }
+
+  .closing-text {
+    width: 45%;
+    font-size: 12px;
+    color: #7b6f63;
+    font-style: italic;
+    line-height: 1.5;
+    text-align: center;
+  }
+
+  .signatures-container {
+    width: 30%;
+    text-align: center;
+
+    .signature-block {
+      display: inline-block;
+      width: 80%;
+
+      .signature-line {
+        border-bottom: 1px solid #7b6f63;
+        margin-bottom: 8px;
+        height: 40px; /* Space for signature */
+      }
+
+      .signatory-title {
+        font-size: 12px;
+        color: #7b6f63;
+        font-weight: bold;
+        text-transform: uppercase;
+        letter-spacing: 0.5px;
+      }
+    }
+  }
+}
+
+/* Print CSS */
+@media print {
+  /* Everything below `::ng-deep` reaches outside this component's own template -- html/body and
+     the whole Angular Material CDK overlay chain never carry this component's scoping attribute
+     under the default emulated encapsulation, so a plain (scoped) selector would silently never
+     match any of them. `::ng-deep` is deprecated but still the correct tool for a component that
+     genuinely needs to override its host application's shell during print. */
+
+  /* The app shell pins html/body to a fixed viewport height with overflow hidden (its inner
+     panels handle their own scrolling on screen) -- left in place, that caps every printed page
+     at one viewport's worth of content and silently cuts off the rest instead of paginating. */
+  ::ng-deep html,
+  ::ng-deep body {
+    height: auto !important;
+    overflow: visible !important;
+  }
+
+  /* Hide non-overlay contents during print */
+  ::ng-deep body > :not(.cdk-overlay-container) {
+    display: none !important;
+  }
+
+  /* The dialog's own scroll region clips anything past 80vh -- printing only captures what a
+     scrollable/max-height box shows on screen, so both constraints must be lifted or the
+     certificate gets cut off after its first visible slice. */
+  .dialog-content-container {
+    max-height: none !important;
+    overflow: visible !important;
+  }
+
+  /* CDK's overlay wrapper/backdrop/pane are all `position: fixed` (needed to center the dialog
+     on screen) and the wrapper flex-centers its content -- during print, a fixed-position
+     ancestor is clipped to one page's height, so anything taller than that gets cut off and only
+     a thin cross-section (here, just the certificate's own border) survives. Every ancestor in
+     that chain has to become a normal, statically-flowing block for the full certificate to print. */
+  ::ng-deep .cdk-overlay-backdrop {
+    display: none !important;
+  }
+
+  ::ng-deep .cdk-overlay-container,
+  ::ng-deep .cdk-global-overlay-wrapper,
+  ::ng-deep .cdk-overlay-pane,
+  ::ng-deep .mat-mdc-dialog-container,
+  ::ng-deep .mdc-dialog__container,
+  ::ng-deep .mdc-dialog__surface {
+    position: static !important;
+    display: block !important;
+    max-height: none !important;
+    max-width: none !important;
+    height: auto !important;
+    width: auto !important;
+    overflow: visible !important;
+    transform: none !important;
+  }
+
+  /* Make certificate fill page */
+  #deposit-certificate-print {
+    position: static !important;
+    width: 100% !important;
+    height: auto !important;
+    padding: 0 !important;
+    margin: 0 !important;
+    background-color: #fff !important;
+    box-shadow: none !important;
+  }
+
+  .certificate-border-outer {
+    border-width: 8px !important;
+    background-color: #fff !important;
+  }
+
+  .no-print {
+    display: none !important;
+  }
+
+  ::ng-deep .mat-mdc-dialog-container {
+    padding: 0 !important;
+  }
+
+  /* Compact every spacing/font value so the whole certificate fits a single printed page --
+     the on-screen sizing is generous by design, but that same height doesn't fit one page. */
+  .certificate-container {
+    padding: 6px !important;
+  }
+
+  .certificate-border-inner {
+    padding: 14px !important;
+  }
+
+  .certificate-header {
+    margin-bottom: 10px !important;
+    padding-bottom: 10px !important;
+
+    .bank-name {
+      font-size: 19px !important;
+      margin-bottom: 2px !important;
+    }
+
+    .bank-sub {
+      font-size: 10px !important;
+      margin-bottom: 8px !important;
+    }
+
+    .cert-title {
+      font-size: 19px !important;
+      letter-spacing: 2px !important;
+      margin-bottom: 2px !important;
+    }
+
+    .cert-subtitle {
+      font-size: 9px !important;
+    }
+  }
+
+  .cert-meta-row {
+    margin-bottom: 10px !important;
+    padding-bottom: 8px !important;
+
+    .meta-label {
+      font-size: 9px !important;
+      margin-bottom: 1px !important;
+    }
+
+    .meta-value {
+      font-size: 12px !important;
+    }
+  }
+
+  .cert-body-section {
+    margin-bottom: 10px !important;
+
+    .cert-main-text {
+      font-size: 11px !important;
+      line-height: 1.4 !important;
+      margin-bottom: 10px !important;
+    }
+  }
+
+  .issued-to-details {
+    padding: 8px 14px !important;
+    margin: 8px auto !important;
+
+    .client-name-details {
+      font-size: 14px !important;
+    }
+
+    .client-ids,
+    .client-address {
+      font-size: 10px !important;
+    }
+  }
+
+  .certificate-details-table {
+    margin-bottom: 12px !important;
+
+    td {
+      padding: 5px 10px !important;
+      font-size: 10px !important;
+    }
+
+    .lbl-col-highlight {
+      font-size: 12px !important;
+    }
+
+    .val-col-highlight {
+      font-size: 13px !important;
+    }
+  }
+
+  .cert-footer {
+    margin-top: 8px !important;
+
+    .seal-ring {
+      width: 60px !important;
+      height: 60px !important;
+    }
+
+    .seal-text {
+      font-size: 8px !important;
+    }
+
+    .closing-text {
+      font-size: 10px !important;
+    }
+
+    .signature-line {
+      height: 22px !important;
+    }
+
+    .signatory-title {
+      font-size: 10px !important;
+    }
+  }
+}
@@ -0,0 +1,132 @@
+/**
+ * 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 {
+  MAT_DIALOG_DATA,
+  MatDialogRef,
+  MatDialogTitle,
+  MatDialogContent,
+  MatDialogActions,
+  MatDialogClose
+} from '@angular/material/dialog';
+import { ClientsService } from 'app/clients/clients.service';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { DateFormatPipe } from '../../pipes/date-format.pipe';
+import { CurrencyPipe } from '@angular/common';
+import { MatButton } from '@angular/material/button';
+import { MatIcon } from '@angular/material/icon';
+
+/**
+ * Printable deposit certificate for a Fixed Deposit or Recurring Deposit account -- handed to the
+ * customer as physical proof of their deposit. Shared between FD and RD since both account shapes
+ * carry the same core fields (depositAmount, nominalAnnualInterestRate, depositPeriod, maturityDate,
+ * maturityAmount); RD additionally shows its installment/frequency details.
+ */
+@Component({
+  selector: 'mifosx-deposit-certificate-dialog',
+  templateUrl: './deposit-certificate-dialog.component.html',
+  styleUrls: ['./deposit-certificate-dialog.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatDialogTitle,
+    MatDialogContent,
+    MatDialogActions,
+    MatDialogClose,
+    DateFormatPipe,
+    CurrencyPipe,
+    MatButton,
+    MatIcon
+  ]
+})
+export class DepositCertificateDialogComponent implements OnInit {
+  dialogRef = inject<MatDialogRef<DepositCertificateDialogComponent>>(MatDialogRef);
+  data = inject(MAT_DIALOG_DATA);
+  clientsService = inject(ClientsService);
+
+  /** 'FD' or 'RD' -- controls the title and which extra rows show. */
+  accountType: 'FD' | 'RD';
+  accountData: any;
+
+  clientData: any;
+  clientAddress = '';
+  panNumber = 'Not Available';
+
+  certificateNo = '';
+  issueDate: Date = new Date();
+
+  ngOnInit() {
+    this.accountType = this.data.accountType;
+    this.accountData = this.data.accountData;
+    const clientId = this.data.clientId != null ? String(this.data.clientId) : null;
+
+    this.certificateNo = `${this.accountType}-CERT-${this.accountData.accountNo}`;
+
+    if (!clientId) {
+      return;
+    }
+
+    this.clientsService.getClientData(clientId).subscribe({
+      next: (client: any) => {
+        this.clientData = client;
+      },
+      error: () => {}
+    });
+
+    this.clientsService.getClientAddressData(clientId).subscribe({
+      next: (addresses: any[]) => {
+        if (addresses && addresses.length > 0) {
+          const permanent = addresses.find((a) => /permanent/i.test(a?.addressType || '')) || addresses[0];
+          this.clientAddress = this.formatAddress(permanent);
+        }
+      },
+      error: () => {}
+    });
+
+    this.clientsService.getClientIdentifiers(clientId).subscribe({
+      next: (identifiers: any[]) => {
+        const idList = Array.isArray(identifiers) ? identifiers : (identifiers as any)?.pageItems || [];
+        const panId = idList.find((id: any) => /pan/i.test(id?.documentType?.name || ''));
+        if (panId) {
+          this.panNumber = panId.documentKey;
+        }
+      },
+      error: () => {}
+    });
+  }
+
+  formatAddress(addr: any): string {
+    if (!addr) return '';
+    return [
+      addr.addressLine1,
+      addr.addressLine2,
+      addr.townVillage,
+      addr.city,
+      addr.stateName,
+      addr.countryName,
+      addr.postalCode
+    ]
+      .filter((p) => !!p && String(p).trim())
+      .join(', ');
+  }
+
+  get depositDate(): any {
+    return this.accountData?.timeline?.activatedOnDate ?? this.accountData?.timeline?.submittedOnDate ?? null;
+  }
+
+  get tenureLabel(): string {
+    const period = this.accountData?.depositPeriod;
+    const freq = this.accountData?.depositPeriodFrequency?.value;
+    if (period == null) return 'N/A';
+    return freq ? `${period} ${freq}` : String(period);
+  }
+
+  printCertificate() {
+    window.print();
+  }
+}