diff --git a/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.html b/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.html
index 7e179aef5..68e5bdde8 100644
--- a/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.html
+++ b/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.html
@@ -1,4 +1,4 @@
-<!--
+<!--
   Copyright since 2025 Mifos Initiative
 
   This Source Code Form is subject to the terms of the Mozilla Public
@@ -61,14 +61,14 @@
     @if (CurrentProduct.effectiveTo) {
       <div class="flex-100 layout-row">
         <span class="flex-40">Effective To:</span>
-        <span class="flex-60">{{ CurrentProduct.effectiveTo }}</span>
+        <span class="flex-60">{{ CurrentProduct.effectiveTo | dateFormat }}</span>
       </div>
     }
 
     @if (CurrentProduct.endDate) {
       <div class="flex-100 layout-row">
         <span class="flex-40">End Date:</span>
-        <span class="flex-60">{{ CurrentProduct.endDate }}</span>
+        <span class="flex-60">{{ CurrentProduct.endDate | dateFormat }}</span>
       </div>
     }
 
@@ -181,7 +181,7 @@
   @if (CurrentProduct.lastInterestDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Last Interest Date:</span>
-      <span class="flex-60">{{ CurrentProduct.lastInterestDate }}</span>
+      <span class="flex-60">{{ CurrentProduct.lastInterestDate | dateFormat }}</span>
     </div>
   }
 
diff --git a/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.ts b/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.ts
index 5ca6b51dc..2ff2bd27c 100644
--- a/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.ts
+++ b/src/app/products/current-products/current-product-stepper/current-product-preview-step/current-product-preview-step.component.ts
@@ -1,4 +1,4 @@
-/**
+/**
  * Copyright since 2025 Mifos Initiative
  *
  * This Source Code Form is subject to the terms of the Mozilla Public
@@ -24,6 +24,7 @@ import {
 } from '@angular/material/table';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { FindPipe } from '../../../../pipes/find.pipe';
+import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
 import { FormatNumberPipe } from '../../../../pipes/format-number.pipe';
 import { YesnoPipe } from '../../../../pipes/yesno.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -47,6 +48,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatRow,
     FaIconComponent,
     FindPipe,
+    DateFormatPipe,
     FormatNumberPipe,
     YesnoPipe
   ]
diff --git a/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.html b/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.html
index f79d6f32e..11467b21d 100644
--- a/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.html
+++ b/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.html
@@ -100,11 +100,6 @@
           <span>Account Closed with Zero Balance in Day Closing</span>
         </mat-checkbox>
       </div>
-      <div class="sps-toggle sps-toggle--inline">
-        <mat-checkbox formControlName="withHoldTax">
-          <span>Withhold Tax is Applicable</span>
-        </mat-checkbox>
-      </div>
     </div>
   </div>
 
diff --git a/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.ts b/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.ts
index 4c464aeae..11bb38781 100644
--- a/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.ts
+++ b/src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.ts
@@ -54,7 +54,6 @@ export class CurrentProductSettingsStepComponent implements OnInit {
       withdrawalFeeForTransfers: this.CurrentProductsTemplate.withdrawalFeeForTransfers,
       enforceMinRequiredBalance: this.CurrentProductsTemplate.enforceMinRequiredBalance,
       minRequiredBalance: this.CurrentProductsTemplate.minRequiredBalance,
-      withHoldTax: this.CurrentProductsTemplate.withHoldTax ?? false,
       balanceFrequency: isEditing ? this.CurrentProductsTemplate.balanceFrequency || defaultPeriod : defaultPeriod,
       enableLockinPeriod: !!(
         this.CurrentProductsTemplate.lockinPeriodFrequency && this.CurrentProductsTemplate.lockinPeriodFrequency > 0
@@ -107,7 +106,6 @@ export class CurrentProductSettingsStepComponent implements OnInit {
         '',
         [Validators.min(0)]
       ],
-      withHoldTax: [false],
       balanceFrequency: ['Monthly'],
       enableLockinPeriod: [false],
       lockinPeriodFrequency: [''],
@@ -159,6 +157,8 @@ export class CurrentProductSettingsStepComponent implements OnInit {
   get CurrentProductSettings() {
     const formValue = { ...this.CurrentProductSettingsForm.value };
 
+    delete formValue.withHoldTax;
+
     if (!formValue.allowOverdraft) {
       delete formValue.overdraftLimit;
       delete formValue.nominalAnnualInterestRateOverdraft;
diff --git a/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.html b/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.html
index 6dc6b1343..9deb2bbe4 100644
--- a/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.html
+++ b/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.html
@@ -1,4 +1,4 @@
-<!--
+<!--
   Copyright since 2025 Mifos Initiative
 
   This Source Code Form is subject to the terms of the Mozilla Public
@@ -75,21 +75,21 @@
     @if (currentProduct.effectiveDate) {
       <div class="flex-100 layout-row">
         <span class="flex-40">Effective Date:</span>
-        <span class="flex-60">{{ currentProduct.effectiveDate }}</span>
+        <span class="flex-60">{{ CurrentProduct.effectiveDate | dateFormat }}</span>
       </div>
     }
 
     @if (currentProduct.effectiveTo) {
       <div class="flex-100 layout-row">
         <span class="flex-40">Effective To:</span>
-        <span class="flex-60">{{ currentProduct.effectiveTo }}</span>
+        <span class="flex-60">{{ CurrentProduct.effectiveTo | dateFormat }}</span>
       </div>
     }
 
     @if (currentProduct.endDate) {
       <div class="flex-100 layout-row">
         <span class="flex-40">End Date:</span>
-        <span class="flex-60">{{ currentProduct.endDate }}</span>
+        <span class="flex-60">{{ CurrentProduct.endDate | dateFormat }}</span>
       </div>
     }
 
@@ -208,7 +208,7 @@
   @if (currentProduct.lastInterestDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Last Interest Date:</span>
-      <span class="flex-60">{{ currentProduct.lastInterestDate }}</span>
+      <span class="flex-60">{{ CurrentProduct.lastInterestDate | dateFormat }}</span>
     </div>
   }
 
diff --git a/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.ts b/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.ts
index 289028614..efc217b4b 100644
--- a/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.ts
+++ b/src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.ts
@@ -1,4 +1,4 @@
-/**
+/**
  * Copyright since 2025 Mifos Initiative
  *
  * This Source Code Form is subject to the terms of the Mozilla Public
@@ -23,6 +23,7 @@ import {
   MatRow
 } from '@angular/material/table';
 import { ViewSavingsAccountingDetailsComponent } from '../../../../shared/accounting/view-savings-accounting-details/view-savings-accounting-details.component';
+import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
 import { FormatNumberPipe } from '../../../../pipes/format-number.pipe';
 import { YesnoPipe } from '../../../../pipes/yesno.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -47,6 +48,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatRow,
     ViewSavingsAccountingDetailsComponent,
     FormatNumberPipe,
+    DateFormatPipe,
     YesnoPipe
   ]
 })
diff --git a/src/app/products/recurring-deposit-products/edit-recurring-deposit-product/edit-recurring-deposit-product.component.ts b/src/app/products/recurring-deposit-products/edit-recurring-deposit-product/edit-recurring-deposit-product.component.ts
index aa5fb1ff0..bdffd0776 100644
--- a/src/app/products/recurring-deposit-products/edit-recurring-deposit-product/edit-recurring-deposit-product.component.ts
+++ b/src/app/products/recurring-deposit-products/edit-recurring-deposit-product/edit-recurring-deposit-product.component.ts
@@ -150,11 +150,11 @@ export class EditRecurringDepositProductComponent {
       this.recurringDepositProductTermsForm.valid &&
       this.recurringDepositProductSettingsForm.valid &&
       this.recurringDepositProductAccountingForm.valid &&
-      (this.recurringDepositProductDetailsForm.pristine ||
-        this.recurringDepositProductCurrencyForm.pristine ||
-        this.recurringDepositProductTermsForm.pristine ||
-        this.recurringDepositProductSettingsForm.pristine ||
-        this.recurringDepositProductAccountingForm.pristine)
+      (!this.recurringDepositProductDetailsForm.pristine ||
+        !this.recurringDepositProductCurrencyForm.pristine ||
+        !this.recurringDepositProductTermsForm.pristine ||
+        !this.recurringDepositProductSettingsForm.pristine ||
+        !this.recurringDepositProductAccountingForm.pristine)
     );
   }
 
diff --git a/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-preview-step/recurring-deposit-product-preview-step.component.html b/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-preview-step/recurring-deposit-product-preview-step.component.html
index acad7041a..a421e9a2e 100644
--- a/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-preview-step/recurring-deposit-product-preview-step.component.html
+++ b/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-preview-step/recurring-deposit-product-preview-step.component.html
@@ -1,4 +1,4 @@
-<!--
+<!--
   Copyright since 2025 Mifos Initiative
 
   This Source Code Form is subject to the terms of the Mozilla Public
@@ -7,10 +7,10 @@
 -->
 
 <div class="responsive-column">
-  <!-- ── Product Name ── -->
+  <!-- ── Product Name ── -->
   <h2 class="mat-h2 flex-100">{{ recurringDepositProduct.name }}</h2>
 
-  <!-- ── Details ── -->
+  <!-- ── Details ── -->
   <mat-divider class="flex-100"></mat-divider>
   <h3 class="mat-h3 flex-100">{{ 'labels.inputs.Details' | translate }}</h3>
   <mat-divider class="flex-100"></mat-divider>
@@ -27,7 +27,7 @@
     </div>
   }
 
-  <!-- ── Product Classification ── -->
+  <!-- ── Product Classification ── -->
   @if (
     recurringDepositProduct.accountType ||
     recurringDepositProduct.customerSegment ||
@@ -63,14 +63,14 @@
     @if (recurringDepositProduct.effectiveTo) {
       <div class="flex-100 layout-row">
         <span class="flex-40">Effective To:</span>
-        <span class="flex-60">{{ recurringDepositProduct.effectiveTo }}</span>
+        <span class="flex-60">{{ recurringDepositProduct.effectiveTo | dateFormat }}</span>
       </div>
     }
 
     @if (recurringDepositProduct.endDate) {
       <div class="flex-100 layout-row">
         <span class="flex-40">End Date:</span>
-        <span class="flex-60">{{ recurringDepositProduct.endDate }}</span>
+        <span class="flex-60">{{ recurringDepositProduct.endDate | dateFormat }}</span>
       </div>
     }
 
@@ -93,7 +93,7 @@
     }
   }
 
-  <!-- ── Currency ── -->
+  <!-- ── Currency ── -->
   <h3 class="mat-h3 flex-100">{{ 'labels.inputs.Currency' | translate }}</h3>
   <mat-divider class="flex-100"></mat-divider>
 
@@ -144,7 +144,7 @@
     </div>
   }
 
-  <!-- ── Terms ── -->
+  <!-- ── Terms ── -->
   <h3 class="mat-h3 flex-100">{{ 'labels.inputs.Terms' | translate }}</h3>
   <mat-divider class="flex-100"></mat-divider>
 
@@ -169,11 +169,22 @@
     }}</span>
   </div>
 
+  @if (recurringDepositProduct.interestCalculateSelector) {
+    <div class="flex-100 layout-row">
+      <span class="flex-40">{{ 'labels.inputs.Interest Calculation Type' | translate }}:</span>
+      <span class="flex-60">{{
+        recurringDepositProduct.interestCalculateSelector
+          | find: recurringDepositProductsTemplate.interestCalculationTypeOption : 'id' : 'value'
+      }}</span>
+    </div>
+  }
+
   <div class="flex-100 layout-row">
     <span class="flex-40">{{ 'labels.inputs.Interest Calculated using' | translate }}:</span>
     <span class="flex-60">{{
       recurringDepositProduct.interestCalculationType
         | find: recurringDepositProductsTemplate.interestCalculationTypeOptions : 'id' : 'value'
+        | translateKey: 'catalogs'
     }}</span>
   </div>
 
@@ -188,7 +199,7 @@
   @if (recurringDepositProduct.effectiveDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Effective Date:</span>
-      <span class="flex-60">{{ recurringDepositProduct.effectiveDate }}</span>
+      <span class="flex-60">{{ recurringDepositProduct.effectiveDate | dateFormat }}</span>
     </div>
   }
 
@@ -218,11 +229,11 @@
   @if (recurringDepositProduct.lastInterestDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Last Interest Date:</span>
-      <span class="flex-60">{{ recurringDepositProduct.lastInterestDate }}</span>
+      <span class="flex-60">{{ recurringDepositProduct.lastInterestDate | dateFormat }}</span>
     </div>
   }
 
-  <!-- ── Settings ── -->
+  <!-- ── Settings ── -->
   <h3 class="mat-h3 flex-100">{{ 'labels.heading.Settings' | translate }}</h3>
   <mat-divider class="flex-100"></mat-divider>
 
@@ -313,7 +324,7 @@
     </div>
   }
 
-  <!-- ── Interest Rate Slabs ── -->
+  <!-- ── Interest Rate Slabs ── -->
   @if (recurringDepositProduct.rdSlabs?.length) {
     <h3 class="mat-h3 flex-100">{{ 'labels.heading.Interest Rate Charts' | translate }}</h3>
     <mat-divider class="flex-100"></mat-divider>
@@ -334,7 +345,7 @@
         </ng-container>
         <ng-container matColumnDef="toPeriod">
           <th mat-header-cell *matHeaderCellDef>To</th>
-          <td mat-cell *matCellDef="let slab">{{ slab.toPeriod ?? '—' }}</td>
+          <td mat-cell *matCellDef="let slab">{{ slab.toPeriod ?? '—' }}</td>
         </ng-container>
         <ng-container matColumnDef="periodTypeLabel">
           <th mat-header-cell *matHeaderCellDef>Period</th>
@@ -352,7 +363,7 @@
     </div>
   }
 
-  <!-- ── Charges ── -->
+  <!-- ── Charges ── -->
   @if (recurringDepositProduct.charges?.length) {
     <div class="layout-row-wrap responsive-column flex-100">
       <h3 class="mat-h3 flex-100">{{ 'labels.inputs.Charges' | translate }}</h3>
@@ -380,7 +391,7 @@
     </div>
   }
 
-  <!-- ── Accounting ── -->
+  <!-- ── Accounting ── -->
   <h3 class="mat-h3 flex-100">{{ 'labels.heading.Accounting' | translate }}</h3>
   <mat-divider class="flex-100"></mat-divider>
 
diff --git a/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.html b/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.html
index 65358d314..df3d7e0f7 100644
--- a/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.html
+++ b/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.html
@@ -54,14 +54,22 @@
         <mat-form-field appearance="outline" class="rdpt-field">
           <mat-label>{{ 'labels.inputs.Interest Calculation Type' | translate }}</mat-label>
           <mat-select
-            formControlName="interestCalculationType"
+            formControlName="interestCalculateSelector"
             matTooltip="{{ 'tooltips.The method used to calculate interest' | translate }}"
-            required
           >
-            @for (interestCalculationType of interestCalculationTypeOptionData; track interestCalculationType.id) {
-              <mat-option [value]="interestCalculationType.id">
-                {{ interestCalculationType.value | translateKey: 'catalogs' }}
-              </mat-option>
+            @for (opt of interestCalculationTypeOptionData; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.value }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
+
+      <div class="rdpt-grid rdpt-grid--three">
+        <mat-form-field appearance="outline" class="rdpt-field">
+          <mat-label>Interest Calculate</mat-label>
+          <mat-select formControlName="interestCalculationType" required>
+            @for (mode of interestCalculationTypeData; track mode.id) {
+              <mat-option [value]="mode.id">{{ mode.value | translateKey: 'catalogs' }}</mat-option>
             }
           </mat-select>
           <mat-error>
@@ -69,19 +77,8 @@
             <strong>{{ 'labels.commons.required' | translate }}</strong>
           </mat-error>
         </mat-form-field>
-      </div>
 
-      <div class="rdpt-grid rdpt-grid--three">
-        <mat-form-field appearance="outline" class="rdpt-field">
-          <mat-label>Interest Calculate</mat-label>
-          <mat-select formControlName="interestCalculateSelector" required>
-            @for (mode of interestCalculationTypeData; track mode.id) {
-              <mat-option [value]="mode.id">{{ mode.value }}</mat-option>
-            }
-          </mat-select>
-        </mat-form-field>
-
-        @if (recurringDepositProductTermsForm.value.interestCalculateSelector === 2) {
+        @if (recurringDepositProductTermsForm.value.interestCalculationType === 2) {
           <mat-form-field appearance="outline" class="rdpt-field">
             <mat-label>Average Period</mat-label>
             <mat-select formControlName="averagePeriod">
@@ -142,7 +139,7 @@
           </mat-form-field>
         </div>
 
-        @if (recurringDepositProductTermsForm.value.interestCalculateSelector === 1) {
+        @if (recurringDepositProductTermsForm.value.interestCalculationType === 1) {
           <div class="rdpt-note">
             <span>⚠️</span>
             <span
diff --git a/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.ts b/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.ts
index f19d25d85..838f3e42e 100644
--- a/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.ts
+++ b/src/app/products/recurring-deposit-products/recurring-deposit-product-stepper/recurring-deposit-product-terms-step/recurring-deposit-product-terms-step.component.ts
@@ -49,10 +49,10 @@ export class RecurringDepositProductTermsStepComponent implements OnInit {
   ngOnInit() {
     this.interestCompoundingPeriodTypeData = this.recurringDepositProductsTemplate.interestCompoundingPeriodTypeOptions;
     this.interestPostingPeriodTypeData = this.recurringDepositProductsTemplate.interestPostingPeriodTypeOptions;
+    // Standard enum (1=Daily, 2=Average) → "Interest Calculate" dropdown → interestCalculationType form control
     this.interestCalculationTypeData = this.recurringDepositProductsTemplate.interestCalculationTypeOptions;
-    this.interestCalculationTypeOptionData =
-      this.recurringDepositProductsTemplate.interestCalculationTypeOption ||
-      this.recurringDepositProductsTemplate.interestCalculationTypeOptions;
+    // CBS code values → "Interest Calculation Type" dropdown → interestCalculateSelector form control
+    this.interestCalculationTypeOptionData = this.recurringDepositProductsTemplate.interestCalculationTypeOption || [];
     this.interestCalculationDaysInYearTypeData =
       this.recurringDepositProductsTemplate.interestCalculationDaysInYearTypeOptions;
     this.periodFrequencyData = this.recurringDepositProductsTemplate.periodFrequencyOptions || [];
@@ -60,37 +60,33 @@ export class RecurringDepositProductTermsStepComponent implements OnInit {
 
     const isEditing = !!this.recurringDepositProductsTemplate.id;
     const defaultPeriod = this.periodFrequencyData[0]?.value || 'Monthly';
+    const savedEnumTypeId =
+      this.recurringDepositProductsTemplate.interestCalculationType?.id ||
+      this.interestCalculationTypeData?.[0]?.id ||
+      1;
+    const savedSelectorId = isEditing
+      ? (this.recurringDepositProductsTemplate.interestCalculateSelector ??
+        this.interestCalculationTypeOptionData?.[0]?.id ??
+        null)
+      : (this.interestCalculationTypeOptionData?.[0]?.id ?? null);
 
     this.recurringDepositProductTermsForm.patchValue({
       nominalAnnualInterestRate: this.recurringDepositProductsTemplate.nominalAnnualInterestRate ?? 0,
       interestCompoundingPeriodType: this.recurringDepositProductsTemplate.interestCompoundingPeriodType?.id,
       interestPostingPeriodType: this.recurringDepositProductsTemplate.interestPostingPeriodType?.id,
-      interestCalculationType: isEditing
-        ? this.recurringDepositProductsTemplate.interestCalculationTypeOption?.id ||
-          this.interestCalculationTypeOptionData?.[0]?.id ||
-          1
-        : this.interestCalculationTypeOptionData?.[0]?.id || 1,
+      interestCalculationType: savedEnumTypeId,
       interestCalculationDaysInYearType: this.recurringDepositProductsTemplate.interestCalculationDaysInYearType?.id,
       effectiveDate: this.recurringDepositProductsTemplate.effectiveDate
         ? this.parseDate(this.recurringDepositProductsTemplate.effectiveDate)
         : '',
-      interestCalculateSelector: isEditing
-        ? this.recurringDepositProductsTemplate.interestCalculateSelector || 1
-        : this.recurringDepositProductsTemplate.interestCalculationType?.id ||
-          this.interestCalculationTypeData?.[0]?.id ||
-          1,
+      interestCalculateSelector: savedSelectorId,
       averagePeriod: isEditing ? this.recurringDepositProductsTemplate.averagePeriod || defaultPeriod : defaultPeriod,
       autoPost: isEditing ? (this.recurringDepositProductsTemplate.autoPost ?? true) : true,
-      frequencyFixDay: isEditing ? this.recurringDepositProductsTemplate.frequencyFixDay || 30 : 30,
+      frequencyFixDay: isEditing ? (this.recurringDepositProductsTemplate.frequencyFixDay ?? 30) : 30,
       lastInterestDate: this.recurringDepositProductsTemplate.lastInterestDate
         ? this.parseDate(this.recurringDepositProductsTemplate.lastInterestDate)
         : ''
     });
-
-    const currentInterestCalcType = this.recurringDepositProductTermsForm.get('interestCalculationType').value;
-    if (currentInterestCalcType && currentInterestCalcType > 2) {
-      this.recurringDepositProductTermsForm.patchValue({ interestCalculationType: 1 });
-    }
   }
 
   private parseDate(dateValue: any): Date | null {
@@ -163,10 +159,6 @@ export class RecurringDepositProductTermsStepComponent implements OnInit {
     if (formValue.lastInterestDate instanceof Date) {
       formValue.lastInterestDate = this.dateUtils.formatDate(formValue.lastInterestDate, dateFormat) || '';
     }
-    if (formValue.interestCalculationType && formValue.interestCalculationType > 2) {
-      formValue.interestCalculationType = 1;
-    }
-
     for (const key in formValue) {
       if (formValue[key] === '') {
         delete formValue[key];
diff --git a/src/app/products/recurring-deposit-products/view-recurring-deposit-product/recurring-deposit-general-tab/recurring-deposit-general-tab.component.html b/src/app/products/recurring-deposit-products/view-recurring-deposit-product/recurring-deposit-general-tab/recurring-deposit-general-tab.component.html
index 241b30d61..09319e1dc 100644
--- a/src/app/products/recurring-deposit-products/view-recurring-deposit-product/recurring-deposit-general-tab/recurring-deposit-general-tab.component.html
+++ b/src/app/products/recurring-deposit-products/view-recurring-deposit-product/recurring-deposit-general-tab/recurring-deposit-general-tab.component.html
@@ -141,16 +141,16 @@
       <span class="flex-60">{{ recurringDepositProduct.effectiveDate | dateFormat }}</span>
     </div>
   }
-  <div class="flex-100 layout-row">
-    <span class="flex-40">{{ 'labels.inputs.Interest Calculation Type' | translate }}:</span>
-    <span class="flex-60">{{ recurringDepositProduct.interestCalculationType.value }}</span>
-  </div>
-  @if (recurringDepositProduct.interestCalculateSelector !== undefined) {
+  @if (recurringDepositProduct.interestCalculationTypeName) {
     <div class="flex-100 layout-row">
-      <span class="flex-40">Interest Calculate:</span>
-      <span class="flex-60">{{ recurringDepositProduct.interestCalculateSelector }}</span>
+      <span class="flex-40">{{ 'labels.inputs.Interest Calculation Type' | translate }}:</span>
+      <span class="flex-60">{{ recurringDepositProduct.interestCalculationTypeName }}</span>
     </div>
   }
+  <div class="flex-100 layout-row">
+    <span class="flex-40">Interest Calculate:</span>
+    <span class="flex-60">{{ recurringDepositProduct.interestCalculationType?.value }}</span>
+  </div>
   @if (recurringDepositProduct.averagePeriod) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Average Period:</span>
diff --git a/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.html b/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.html
index c75a6a993..1fbae2866 100644
--- a/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.html
+++ b/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.html
@@ -1,4 +1,4 @@
-<!--
+<!--
   Copyright since 2025 Mifos Initiative
 
   This Source Code Form is subject to the terms of the Mozilla Public
@@ -61,14 +61,14 @@
     @if (savingProduct.effectiveTo) {
       <div class="flex-100 layout-row">
         <span class="flex-40">Effective To:</span>
-        <span class="flex-60">{{ savingProduct.effectiveTo }}</span>
+        <span class="flex-60">{{ savingProduct.effectiveTo | dateFormat }}</span>
       </div>
     }
 
     @if (savingProduct.endDate) {
       <div class="flex-100 layout-row">
         <span class="flex-40">End Date:</span>
-        <span class="flex-60">{{ savingProduct.endDate }}</span>
+        <span class="flex-60">{{ savingProduct.endDate | dateFormat }}</span>
       </div>
     }
 
@@ -158,9 +158,7 @@
   <div class="flex-100 layout-row">
     <span class="flex-40">{{ 'labels.inputs.Interest Calculation Type' | translate }}:</span>
     <span class="flex-60">{{
-      savingProduct.interestCalculationType
-        | find: interestCalculationTypeOptionData : 'id' : 'value'
-        | translateKey: 'catalogs'
+      savingProduct.interestCalculateSelector | find: interestCalculationTypeOptionData : 'id' : 'value'
     }}</span>
   </div>
 
@@ -176,15 +174,16 @@
   @if (savingProduct.effectiveDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Effective Date:</span>
-      <span class="flex-60">{{ savingProduct.effectiveDate }}</span>
+      <span class="flex-60">{{ savingProduct.effectiveDate | dateFormat }}</span>
     </div>
   }
 
   <div class="flex-100 layout-row">
     <span class="flex-40">Interest Calculate:</span>
     <span class="flex-60">{{
-      savingProduct.interestCalculateSelector
+      savingProduct.interestCalculationType
         | find: savingProductsTemplate?.interestCalculationTypeOptions : 'id' : 'value'
+        | translateKey: 'catalogs'
     }}</span>
   </div>
 
@@ -214,7 +213,7 @@
   @if (savingProduct.lastInterestDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Last Interest Date:</span>
-      <span class="flex-60">{{ savingProduct.lastInterestDate }}</span>
+      <span class="flex-60">{{ savingProduct.lastInterestDate | dateFormat }}</span>
     </div>
   }
 
diff --git a/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.ts b/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.ts
index d4cdec05e..e1b544103 100644
--- a/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.ts
+++ b/src/app/products/saving-products/saving-product-stepper/saving-product-preview-step/saving-product-preview-step.component.ts
@@ -1,4 +1,4 @@
-/**
+/**
  * Copyright since 2025 Mifos Initiative
  *
  * This Source Code Form is subject to the terms of the Mozilla Public
@@ -24,6 +24,7 @@ import {
 } from '@angular/material/table';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { FindPipe } from '../../../../pipes/find.pipe';
+import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
 import { FormatNumberPipe } from '../../../../pipes/format-number.pipe';
 import { YesnoPipe } from '../../../../pipes/yesno.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -47,6 +48,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatRow,
     FaIconComponent,
     FindPipe,
+    DateFormatPipe,
     FormatNumberPipe,
     YesnoPipe
   ]
diff --git a/src/app/products/saving-products/saving-product-stepper/saving-product-settings-step/saving-product-settings-step.component.ts b/src/app/products/saving-products/saving-product-stepper/saving-product-settings-step/saving-product-settings-step.component.ts
index 2a8b96933..f62a8327f 100644
--- a/src/app/products/saving-products/saving-product-stepper/saving-product-settings-step/saving-product-settings-step.component.ts
+++ b/src/app/products/saving-products/saving-product-stepper/saving-product-settings-step/saving-product-settings-step.component.ts
@@ -82,11 +82,15 @@ export class SavingProductSettingsStepComponent implements OnInit {
       this.savingProductsTemplate.lockinPeriodFrequency &&
       this.savingProductsTemplate.lockinPeriodFrequency > 0
     ) {
+      // Backend returns lockinPeriodFrequencyType.id as integer (0=DAYS,1=WEEKS,2=MONTHS,3=YEARS)
+      // but the form dropdown uses string IDs, so reverse-map the number back to string
+      const reverseFrequencyTypeMap: { [key: number]: string } = { 0: 'DAYS', 1: 'WEEKS', 2: 'MONTHS', 3: 'YEARS' };
+      const freqTypeId = this.savingProductsTemplate.lockinPeriodFrequencyType?.id;
+      const freqTypeString = reverseFrequencyTypeMap[freqTypeId] ?? '';
+
       this.savingProductSettingsForm.patchValue({
         lockinPeriodFrequency: this.savingProductsTemplate.lockinPeriodFrequency,
-        lockinPeriodFrequencyType:
-          this.savingProductsTemplate.lockinPeriodFrequencyType &&
-          this.savingProductsTemplate.lockinPeriodFrequencyType.id
+        lockinPeriodFrequencyType: freqTypeString
       });
     }
   }
diff --git a/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.html b/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.html
index c00f7e66b..d949f7ab4 100644
--- a/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.html
+++ b/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.html
@@ -54,14 +54,22 @@
         <mat-form-field appearance="outline" class="spt-field">
           <mat-label>{{ 'labels.inputs.Interest Calculation Type' | translate }}</mat-label>
           <mat-select
-            formControlName="interestCalculationType"
+            formControlName="interestCalculateSelector"
             matTooltip="{{ 'tooltips.The method used to calculate interest' | translate }}"
-            required
           >
-            @for (interestCalculationType of interestCalculationTypeOptionData; track interestCalculationType.id) {
-              <mat-option [value]="interestCalculationType.id">
-                {{ interestCalculationType.value | translateKey: 'catalogs' }}
-              </mat-option>
+            @for (opt of interestCalculationTypeOptionData; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.value }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
+
+      <div class="spt-grid spt-grid--three">
+        <mat-form-field appearance="outline" class="spt-field">
+          <mat-label>Interest Calculate</mat-label>
+          <mat-select formControlName="interestCalculationType" required>
+            @for (mode of interestCalculationTypeData; track mode.id) {
+              <mat-option [value]="mode.id">{{ mode.value | translateKey: 'catalogs' }}</mat-option>
             }
           </mat-select>
           <mat-error>
@@ -69,19 +77,8 @@
             <strong>{{ 'labels.commons.required' | translate }}</strong>
           </mat-error>
         </mat-form-field>
-      </div>
 
-      <div class="spt-grid spt-grid--three">
-        <mat-form-field appearance="outline" class="spt-field">
-          <mat-label>Interest Calculate</mat-label>
-          <mat-select formControlName="interestCalculateSelector" required>
-            @for (mode of interestCalculationTypeData; track mode.id) {
-              <mat-option [value]="mode.id">{{ mode.value }}</mat-option>
-            }
-          </mat-select>
-        </mat-form-field>
-
-        @if (savingProductTermsForm.value.interestCalculateSelector === 2) {
+        @if (savingProductTermsForm.value.interestCalculationType === 2) {
           <mat-form-field appearance="outline" class="spt-field">
             <mat-label>Average Period</mat-label>
             <mat-select formControlName="averagePeriod">
@@ -142,7 +139,7 @@
           </mat-form-field>
         </div>
 
-        @if (savingProductTermsForm.value.interestCalculateSelector === 1) {
+        @if (savingProductTermsForm.value.interestCalculationType === 1) {
           <div class="spt-note">
             <span>⚠️</span>
             <span
diff --git a/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.ts b/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.ts
index abedcdab7..cd8ff964c 100644
--- a/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.ts
+++ b/src/app/products/saving-products/saving-product-stepper/saving-product-terms-step/saving-product-terms-step.component.ts
@@ -59,59 +59,43 @@ export class SavingProductTermsStepComponent implements OnInit {
   ngOnInit() {
     this.interestCompoundingPeriodTypeData = this.savingProductsTemplate.interestCompoundingPeriodTypeOptions;
     this.interestPostingPeriodTypeData = this.savingProductsTemplate.interestPostingPeriodTypeOptions;
+    // interestCalculationTypeData = standard enum (1=Daily, 2=Average) → "Interest Calculate" dropdown → interestCalculationType form control
     this.interestCalculationTypeData = this.savingProductsTemplate.interestCalculationTypeOptions;
-    this.interestCalculationTypeOptionData =
-      this.savingProductsTemplate.interestCalculationTypeOption ||
-      this.savingProductsTemplate.interestCalculationTypeOptions;
+    // interestCalculationTypeOptionData = CBS code values from DB → "Interest Calculation Type" dropdown → interestCalculateSelector form control
+    this.interestCalculationTypeOptionData = this.savingProductsTemplate.interestCalculationTypeOption || [];
     this.interestCalculationDaysInYearTypeData = this.savingProductsTemplate.interestCalculationDaysInYearTypeOptions;
     this.periodFrequencyData = this.savingProductsTemplate.periodFrequencyOptions || [];
     this.setYesNoOptions(this.savingProductsTemplate?.yesNoOptions);
 
     const isEditing = !!this.savingProductsTemplate.id;
     const defaultPeriod = this.periodFrequencyData[0]?.value || 'Monthly';
+    // interestCalculationType = standard enum id (1=Daily Balance, 2=Average Daily Balance)
+    const savedEnumTypeId =
+      this.savingProductsTemplate.interestCalculationType?.id || this.interestCalculationTypeData?.[0]?.id || 1;
+    // interestCalculateSelector = CBS code value id from interestCalculationTypeOption
+    const savedSelectorId = isEditing
+      ? (this.savingProductsTemplate.interestCalculateSelector ??
+        this.interestCalculationTypeOptionData?.[0]?.id ??
+        null)
+      : (this.interestCalculationTypeOptionData?.[0]?.id ?? null);
 
     this.savingProductTermsForm.patchValue({
-      nominalAnnualInterestRate: isEditing
-        ? this.savingProductsTemplate.nominalAnnualInterestRate
-        : this.savingProductsTemplate.nominalAnnualInterestRate,
-      interestCompoundingPeriodType: isEditing
-        ? this.savingProductsTemplate.interestCompoundingPeriodType?.id
-        : this.savingProductsTemplate.interestCompoundingPeriodType?.id,
-      interestPostingPeriodType: isEditing
-        ? this.savingProductsTemplate.interestPostingPeriodType?.id
-        : this.savingProductsTemplate.interestPostingPeriodType?.id,
-      interestCalculationType: isEditing
-        ? this.savingProductsTemplate.interestCalculationTypeOption?.id ||
-          this.interestCalculationTypeOptionData?.[0]?.id ||
-          1
-        : this.interestCalculationTypeOptionData?.[0]?.id || 1,
-      interestCalculationDaysInYearType: isEditing
-        ? this.savingProductsTemplate.interestCalculationDaysInYearType?.id
-        : this.savingProductsTemplate.interestCalculationDaysInYearType?.id,
+      nominalAnnualInterestRate: this.savingProductsTemplate.nominalAnnualInterestRate,
+      interestCompoundingPeriodType: this.savingProductsTemplate.interestCompoundingPeriodType?.id,
+      interestPostingPeriodType: this.savingProductsTemplate.interestPostingPeriodType?.id,
+      interestCalculationType: savedEnumTypeId,
+      interestCalculationDaysInYearType: this.savingProductsTemplate.interestCalculationDaysInYearType?.id,
       effectiveDate: this.savingProductsTemplate.effectiveDate
         ? new Date(this.savingProductsTemplate.effectiveDate)
         : '',
-      interestCalculateSelector: isEditing
-        ? this.savingProductsTemplate.interestCalculateSelector || 1
-        : this.savingProductsTemplate.interestCalculationType?.id || this.interestCalculationTypeData?.[0]?.id || 1,
+      interestCalculateSelector: savedSelectorId,
       averagePeriod: isEditing ? this.savingProductsTemplate.averagePeriod || defaultPeriod : defaultPeriod,
       autoPost: isEditing ? (this.savingProductsTemplate.autoPost ?? true) : true,
-      frequencyFixDay: isEditing ? this.savingProductsTemplate.frequencyFixDay || 30 : 30,
+      frequencyFixDay: isEditing ? (this.savingProductsTemplate.frequencyFixDay ?? 30) : 30,
       lastInterestDate: this.savingProductsTemplate.lastInterestDate
         ? new Date(this.savingProductsTemplate.lastInterestDate)
         : ''
     });
-
-    // Map code value IDs to backend enum values for interestCalculationType
-    // Backend expects: 1=Daily Balance, 2=Average Daily Balance
-    const currentInterestCalcType = this.savingProductTermsForm.get('interestCalculationType').value;
-    if (currentInterestCalcType && currentInterestCalcType > 2) {
-      // If it's a code value ID (like 340, 341), map it to backend enum
-      // Default to 1 (Daily Balance) for custom code values
-      this.savingProductTermsForm.patchValue({
-        interestCalculationType: 1
-      });
-    }
   }
 
   private setYesNoOptions(options: any[]) {
@@ -198,12 +182,6 @@ export class SavingProductTermsStepComponent implements OnInit {
       formValue.lastInterestDate = this.dateUtils.formatDate(prevLastInterestDate, dateFormat) || '';
     }
 
-    // Convert interestCalculationType from code value ID to backend enum value
-    // Backend expects: 1=Daily Balance, 2=Average Daily Balance
-    if (formValue.interestCalculationType && formValue.interestCalculationType > 2) {
-      formValue.interestCalculationType = 1; // Default to Daily Balance
-    }
-
     return {
       ...formValue
     };
diff --git a/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.html b/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.html
index ad48a1b1d..cde61d82f 100644
--- a/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.html
+++ b/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.html
@@ -1,4 +1,4 @@
-<!--
+<!--
   Copyright since 2025 Mifos Initiative
 
   This Source Code Form is subject to the terms of the Mozilla Public
@@ -75,21 +75,21 @@
     @if (savingProduct.effectiveDate) {
       <div class="flex-100 layout-row">
         <span class="flex-40">Effective Date:</span>
-        <span class="flex-60">{{ savingProduct.effectiveDate }}</span>
+        <span class="flex-60">{{ savingProduct.effectiveDate | dateFormat }}</span>
       </div>
     }
 
     @if (savingProduct.effectiveTo) {
       <div class="flex-100 layout-row">
         <span class="flex-40">Effective To:</span>
-        <span class="flex-60">{{ savingProduct.effectiveTo }}</span>
+        <span class="flex-60">{{ savingProduct.effectiveTo | dateFormat }}</span>
       </div>
     }
 
     @if (savingProduct.endDate) {
       <div class="flex-100 layout-row">
         <span class="flex-40">End Date:</span>
-        <span class="flex-60">{{ savingProduct.endDate }}</span>
+        <span class="flex-60">{{ savingProduct.endDate | dateFormat }}</span>
       </div>
     }
 
@@ -164,6 +164,13 @@
     <span class="flex-60">{{ savingProduct.interestPostingPeriodType.value | translateKey: 'catalogs' }}</span>
   </div>
 
+  @if (savingProduct.interestCalculationTypeName) {
+    <div class="flex-100 layout-row">
+      <span class="flex-40">{{ 'labels.inputs.Interest Calculation Type' | translate }}:</span>
+      <span class="flex-60">{{ savingProduct.interestCalculationTypeName }}</span>
+    </div>
+  }
+
   <div class="flex-100 layout-row">
     <span class="flex-40">{{ 'labels.inputs.Interest Calculated using' | translate }}:</span>
     <span class="flex-60">{{ savingProduct.interestCalculationType.value | translateKey: 'catalogs' }}</span>
@@ -177,13 +184,13 @@
   @if (savingProduct.effectiveDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Effective Date:</span>
-      <span class="flex-60">{{ savingProduct.effectiveDate }}</span>
+      <span class="flex-60">{{ savingProduct.effectiveDate | dateFormat }}</span>
     </div>
   }
 
   <div class="flex-100 layout-row">
     <span class="flex-40">Interest Calculate:</span>
-    <span class="flex-60">{{ savingProduct.interestCalculateSelector }}</span>
+    <span class="flex-60">{{ savingProduct.interestCalculationType?.value | translateKey: 'catalogs' }}</span>
   </div>
 
   @if (savingProduct.averagePeriod) {
@@ -208,7 +215,7 @@
   @if (savingProduct.lastInterestDate) {
     <div class="flex-100 layout-row">
       <span class="flex-40">Last Interest Date:</span>
-      <span class="flex-60">{{ savingProduct.lastInterestDate }}</span>
+      <span class="flex-60">{{ savingProduct.lastInterestDate | dateFormat }}</span>
     </div>
   }
 
diff --git a/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.ts b/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.ts
index 63de34766..8e7b1efa1 100644
--- a/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.ts
+++ b/src/app/products/saving-products/view-saving-product/saving-product-general-tab/saving-product-general-tab.component.ts
@@ -1,4 +1,4 @@
-/**
+/**
  * Copyright since 2025 Mifos Initiative
  *
  * This Source Code Form is subject to the terms of the Mozilla Public
@@ -24,6 +24,7 @@ import {
   MatRow
 } from '@angular/material/table';
 import { ViewSavingsAccountingDetailsComponent } from '../../../../shared/accounting/view-savings-accounting-details/view-savings-accounting-details.component';
+import { DateFormatPipe } from '../../../../pipes/date-format.pipe';
 import { FormatNumberPipe } from '../../../../pipes/format-number.pipe';
 import { YesnoPipe } from '../../../../pipes/yesno.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -48,6 +49,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatRow,
     ViewSavingsAccountingDetailsComponent,
     FormatNumberPipe,
+    DateFormatPipe,
     YesnoPipe
   ]
 })
diff --git a/src/app/savings/create-savings-account/create-savings-account.component.html b/src/app/savings/create-savings-account/create-savings-account.component.html
index d0da8c5a5..ffe983360 100644
--- a/src/app/savings/create-savings-account/create-savings-account.component.html
+++ b/src/app/savings/create-savings-account/create-savings-account.component.html
@@ -34,8 +34,9 @@
       <fa-icon icon="eye" size="sm"></fa-icon>
     </ng-template>
 
+    <!-- Step 1: Product Classification + Details -->
     <mat-step [stepControl]="savingsAccountDetailsForm">
-      <ng-template matStepLabel>{{ 'labels.inputs.DETAILS' | translate }}</ng-template>
+      <ng-template matStepLabel>Product Classification</ng-template>
 
       <mifosx-savings-account-details-step
         [savingsAccountTemplate]="savingsAccountTemplate"
@@ -44,14 +45,83 @@
       </mifosx-savings-account-details-step>
     </mat-step>
 
-    <mat-step [stepControl]="savingsAccountTermsForm">
-      <ng-template matStepLabel>{{ 'labels.inputs.TERMS' | translate }}</ng-template>
+    <!-- Step 2: Currency -->
+    <mat-step>
+      <ng-template matStepLabel>Currency</ng-template>
 
-      <mifosx-savings-account-terms-step
-        [savingsAccountProductTemplate]="savingsAccountProductTemplate"
-      ></mifosx-savings-account-terms-step>
+      <mifosx-savings-account-currency-step [savingsAccountProductTemplate]="savingsAccountProductTemplate">
+      </mifosx-savings-account-currency-step>
+
+      <div class="layout-row align-center gap-2percent margin-t responsive-column">
+        <button mat-raised-button matStepperPrevious>
+          <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+          {{ 'labels.buttons.Previous' | translate }}
+        </button>
+        <button mat-raised-button matStepperNext>
+          {{ 'labels.buttons.Next' | translate }}
+          <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+        </button>
+      </div>
     </mat-step>
 
+    <!-- Step 3: Term -->
+    <mat-step [stepControl]="savingsAccountTermsForm">
+      <ng-template matStepLabel>Term</ng-template>
+
+      <mifosx-savings-account-term-step [savingsAccountProductTemplate]="savingsAccountProductTemplate">
+      </mifosx-savings-account-term-step>
+
+      <div class="layout-row align-center gap-2percent margin-t responsive-column">
+        <button mat-raised-button matStepperPrevious>
+          <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+          {{ 'labels.buttons.Previous' | translate }}
+        </button>
+        <button mat-raised-button matStepperNext [disabled]="savingsAccountTermsForm.invalid">
+          {{ 'labels.buttons.Next' | translate }}
+          <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+        </button>
+      </div>
+    </mat-step>
+
+    <!-- Step 4: Settings -->
+    <mat-step [stepControl]="savingsAccountSettingsForm">
+      <ng-template matStepLabel>{{ 'labels.inputs.SETTINGS' | translate }}</ng-template>
+
+      <mifosx-savings-account-settings-step [savingsAccountProductTemplate]="savingsAccountProductTemplate">
+      </mifosx-savings-account-settings-step>
+
+      <div class="layout-row align-center gap-2percent margin-t responsive-column">
+        <button mat-raised-button matStepperPrevious>
+          <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+          {{ 'labels.buttons.Previous' | translate }}
+        </button>
+        <button mat-raised-button matStepperNext>
+          {{ 'labels.buttons.Next' | translate }}
+          <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+        </button>
+      </div>
+    </mat-step>
+
+    <!-- Step 5: Digital -->
+    <mat-step>
+      <ng-template matStepLabel>Digital</ng-template>
+
+      <mifosx-savings-account-digital-step [savingsAccountProductTemplate]="savingsAccountProductTemplate">
+      </mifosx-savings-account-digital-step>
+
+      <div class="layout-row align-center gap-2percent margin-t responsive-column">
+        <button mat-raised-button matStepperPrevious>
+          <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
+          {{ 'labels.buttons.Previous' | translate }}
+        </button>
+        <button mat-raised-button matStepperNext>
+          {{ 'labels.buttons.Next' | translate }}
+          <fa-icon icon="arrow-right" class="m-l-10"></fa-icon>
+        </button>
+      </div>
+    </mat-step>
+
+    <!-- Step 6: Charges -->
     <mat-step>
       <ng-template matStepLabel>{{ 'labels.inputs.CHARGES' | translate }}</ng-template>
 
@@ -63,6 +133,7 @@
       </mifosx-savings-account-charges-step>
     </mat-step>
 
+    <!-- Step 7: Preview -->
     @if (savingsAccountFormValid) {
       <mat-step completed>
         <ng-template matStepLabel>{{ 'labels.inputs.PREVIEW' | translate }}</ng-template>
diff --git a/src/app/savings/create-savings-account/create-savings-account.component.ts b/src/app/savings/create-savings-account/create-savings-account.component.ts
index 8ee38716a..134b23abe 100644
--- a/src/app/savings/create-savings-account/create-savings-account.component.ts
+++ b/src/app/savings/create-savings-account/create-savings-account.component.ts
@@ -12,8 +12,11 @@ import { Router, ActivatedRoute } from '@angular/router';
 
 /** Custom Components */
 import { SavingsAccountDetailsStepComponent } from '../savings-account-stepper/savings-account-details-step/savings-account-details-step.component';
-import { SavingsAccountTermsStepComponent } from '../savings-account-stepper/savings-account-terms-step/savings-account-terms-step.component';
+import { SavingsAccountTermStepComponent } from '../savings-account-stepper/savings-account-term-step/savings-account-term-step.component';
+import { SavingsAccountSettingsStepComponent } from '../savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component';
 import { SavingsAccountChargesStepComponent } from '../savings-account-stepper/savings-account-charges-step/savings-account-charges-step.component';
+import { SavingsAccountCurrencyStepComponent } from '../savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component';
+import { SavingsAccountDigitalStepComponent } from '../savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component';
 
 /** Custom Services */
 import { SavingsService } from '../savings.service';
@@ -39,8 +42,11 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatStep,
     MatStepLabel,
     SavingsAccountDetailsStepComponent,
-    SavingsAccountTermsStepComponent,
+    SavingsAccountCurrencyStepComponent,
+    SavingsAccountTermStepComponent,
+    SavingsAccountSettingsStepComponent,
     SavingsAccountChargesStepComponent,
+    SavingsAccountDigitalStepComponent,
     SavingsAccountPreviewStepComponent
   ]
 })
@@ -56,75 +62,58 @@ export class CreateSavingsAccountComponent {
   /** Savings Account Product Template */
   savingsAccountProductTemplate: any;
 
-  /** Savings Account Details Step */
   @ViewChild(SavingsAccountDetailsStepComponent, { static: true })
   savingsAccountDetailsStep: SavingsAccountDetailsStepComponent;
-  /** Savings Account Terms Step */
-  @ViewChild(SavingsAccountTermsStepComponent, { static: true })
-  savingsAccountTermsStep: SavingsAccountTermsStepComponent;
-  /** Savings Account Charges Step */
+
+  @ViewChild(SavingsAccountTermStepComponent, { static: true })
+  savingsAccountTermStep: SavingsAccountTermStepComponent;
+
+  @ViewChild(SavingsAccountSettingsStepComponent, { static: true })
+  savingsAccountSettingsStep: SavingsAccountSettingsStepComponent;
+
   @ViewChild(SavingsAccountChargesStepComponent, { static: true })
   savingsAccountChargesStep: SavingsAccountChargesStepComponent;
 
-  /**
-   * Fetches savings account template from `resolve`
-   * @param {ActivatedRoute} route Activated Route
-   * @param {Router} router Router
-   * @param {Dates} dateUtils Date Utils
-   * @param {SavingsService} savingsService Savings Service
-   * @param {SettingsService} settingsService Settings Service
-   */
   constructor() {
     this.route.data.subscribe((data: { savingsAccountTemplate: any }) => {
       this.savingsAccountTemplate = data.savingsAccountTemplate;
     });
   }
 
-  /**
-   * Sets savings account product template.
-   * @param {any} $event API response
-   */
   setTemplate($event: any) {
     this.savingsAccountProductTemplate = $event;
   }
 
-  /**
-   * Retrieves savings account details form.
-   */
   get savingsAccountDetailsForm() {
     return this.savingsAccountDetailsStep.savingsAccountDetailsForm;
   }
 
-  /**
-   * Retrieves savings account terms form.
-   */
   get savingsAccountTermsForm() {
-    return this.savingsAccountTermsStep.savingsAccountTermsForm;
+    return this.savingsAccountTermStep.savingsAccountTermForm;
+  }
+
+  get savingsAccountSettingsForm() {
+    return this.savingsAccountSettingsStep.savingsAccountSettingsForm;
   }
 
-  /**
-   * Checks validity of overall savings account form.
-   */
   get savingsAccountFormValid() {
-    return this.savingsAccountDetailsForm.valid && this.savingsAccountTermsForm.valid;
+    return (
+      this.savingsAccountDetailsForm.valid &&
+      this.savingsAccountTermsForm.valid &&
+      this.savingsAccountSettingsForm.valid
+    );
   }
 
-  /**
-   * Retrieves savings account object.
-   */
   get savingsAccount() {
     return {
       ...this.savingsAccountDetailsStep.savingsAccountDetails,
-      ...this.savingsAccountTermsStep.savingsAccountTerms,
+      ...this.savingsAccountTermStep.savingsAccountTerms,
+      ...this.savingsAccountSettingsStep.savingsAccountSettings,
       ...this.savingsAccountChargesStep.savingsAccountCharges
     };
   }
 
-  /**
-   * Creates a new share account.
-   */
   submit() {
-    // TODO: Update once language and date settings are setup
     const locale = this.settingsService.language.code;
     const dateFormat = this.settingsService.dateFormat;
     const monthDayFormat = 'dd MMMM';
diff --git a/src/app/savings/savings-account-stepper/savings-account-charges-step/savings-account-charges-step.component.ts b/src/app/savings/savings-account-stepper/savings-account-charges-step/savings-account-charges-step.component.ts
index 78ac98e4b..fc6e7b6b5 100644
--- a/src/app/savings/savings-account-stepper/savings-account-charges-step/savings-account-charges-step.component.ts
+++ b/src/app/savings/savings-account-stepper/savings-account-charges-step/savings-account-charges-step.component.ts
@@ -7,7 +7,7 @@
  */
 
 /** Angular Imports */
-import { Component, OnInit, OnChanges, Input, inject } from '@angular/core';
+import { Component, OnInit, Input, inject } from '@angular/core';
 import { MatDialog } from '@angular/material/dialog';
 import { UntypedFormControl } from '@angular/forms';
 
@@ -69,13 +69,25 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     FormatNumberPipe
   ]
 })
-export class SavingsAccountChargesStepComponent implements OnInit, OnChanges {
+export class SavingsAccountChargesStepComponent implements OnInit {
   private dialog = inject(MatDialog);
   private dateUtils = inject(Dates);
   private translateService = inject(TranslateService);
 
+  private _savingsAccountProductTemplate: any;
+
   /** Savings Account Product Template */
-  @Input() savingsAccountProductTemplate: any;
+  @Input()
+  set savingsAccountProductTemplate(value: any) {
+    this._savingsAccountProductTemplate = value;
+    if (value) {
+      this.chargeData = value.chargeOptions || [];
+      this.chargesDataSource = (value.charges || []).map((charge: any) => ({ ...charge, id: charge.chargeId }));
+    }
+  }
+  get savingsAccountProductTemplate(): any {
+    return this._savingsAccountProductTemplate;
+  }
   /** Savings Account Template */
   @Input() savingsAccountTemplate: any;
   /** Currency Code */
@@ -126,14 +138,6 @@ export class SavingsAccountChargesStepComponent implements OnInit, OnChanges {
     }
   }
 
-  ngOnChanges() {
-    if (this.savingsAccountProductTemplate) {
-      this.chargeData = this.savingsAccountProductTemplate.chargeOptions;
-      this.chargesDataSource =
-        this.savingsAccountProductTemplate.charges.map((charge: any) => ({ ...charge, id: charge.chargeId })) || [];
-    }
-  }
-
   /**
    * Adds the charge to charges table
    * @param {any} charge Charge
diff --git a/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.html b/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.html
new file mode 100644
index 000000000..10c787094
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.html
@@ -0,0 +1,49 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<div class="sac-section">
+  <div class="sac-section__header">
+    <i class="fas fa-coins"></i>
+    <span>Currency &amp; Account Status Configuration</span>
+  </div>
+  <div class="sac-body">
+    <div class="sac-grid">
+      <mat-form-field appearance="outline" class="sac-field">
+        <mat-label>Currency</mat-label>
+        <input matInput [value]="savingsAccountProductTemplate?.currency?.name || ''" readonly />
+        <mat-hint>Inherited from selected product</mat-hint>
+      </mat-form-field>
+
+      <mat-form-field appearance="outline" class="sac-field">
+        <mat-label>Decimal Places</mat-label>
+        <input matInput [value]="savingsAccountProductTemplate?.currency?.decimalPlaces || ''" readonly />
+        <mat-hint>Inherited from selected product</mat-hint>
+      </mat-form-field>
+    </div>
+
+    <div class="sac-alert">
+      <div class="sac-alert__content">
+        <h4>Dormancy Alert</h4>
+        <p>Enable automated notifications when an account becomes inactive based on product rules.</p>
+      </div>
+      <span class="sac-badge" [class.sac-badge--yes]="savingsAccountProductTemplate?.dormancyAlert">
+        {{ savingsAccountProductTemplate?.dormancyAlert ? 'Yes' : 'No' }}
+      </span>
+    </div>
+
+    <div class="sac-alert">
+      <div class="sac-alert__content">
+        <h4>Nomination Facility</h4>
+        <p>Allow account holders to designate individuals to receive funds in the event of account holder's death.</p>
+      </div>
+      <span class="sac-badge" [class.sac-badge--yes]="savingsAccountProductTemplate?.nominationFacility">
+        {{ savingsAccountProductTemplate?.nominationFacility ? 'Yes' : 'No' }}
+      </span>
+    </div>
+  </div>
+</div>
diff --git a/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.scss b/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.scss
new file mode 100644
index 000000000..17712a898
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.scss
@@ -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/.
+ */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.sac-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  & + & {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    i {
+      font-size: 14px;
+      color: $accent;
+    }
+
+    span {
+      margin: 0;
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+  }
+}
+
+.sac-body {
+  background: #fff;
+}
+
+.sac-grid {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 4px 16px;
+  padding: 16px 24px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.sac-field {
+  width: 100%;
+}
+
+.sac-alert {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 24px;
+  padding: 18px 24px;
+  border-top: 1px solid $border;
+  background: #f8fafc;
+
+  @media (width <= 760px) {
+    flex-direction: column;
+    align-items: flex-start;
+  }
+
+  &__content {
+    h4 {
+      margin: 0 0 6px;
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+
+    p {
+      margin: 0;
+      font-size: 12px;
+      line-height: 1.5;
+      color: #64748b;
+      max-width: 540px;
+    }
+  }
+}
+
+.sac-badge {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  min-width: 48px;
+  padding: 4px 14px;
+  border-radius: 999px;
+  font-size: 12px;
+  font-weight: 700;
+  background: #fee2e2;
+  color: #b91c1c;
+  border: 1px solid #fecaca;
+
+  &--yes {
+    background: #dcfce7;
+    color: #15803d;
+    border-color: #bbf7d0;
+  }
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.ts b/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.ts
new file mode 100644
index 000000000..553256ce0
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-currency-step/savings-account-currency-step.component.ts
@@ -0,0 +1,20 @@
+/**
+ * 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, Input } from '@angular/core';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+@Component({
+  selector: 'mifosx-savings-account-currency-step',
+  templateUrl: './savings-account-currency-step.component.html',
+  styleUrls: ['./savings-account-currency-step.component.scss'],
+  imports: [...STANDALONE_SHARED_IMPORTS]
+})
+export class SavingsAccountCurrencyStepComponent {
+  @Input() savingsAccountProductTemplate: any;
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.html b/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.html
index 6f492fa09..df5db2234 100644
--- a/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.html
+++ b/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.html
@@ -1,4 +1,4 @@
-<!--
+<!--
   Copyright since 2025 Mifos Initiative
 
   This Source Code Form is subject to the terms of the Mozilla Public
@@ -7,63 +7,119 @@
 -->
 
 <form [formGroup]="savingsAccountDetailsForm">
-  <div class="layout-row-wrap gap-2px responsive-column">
-    <mat-form-field class="flex-48">
-      <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
-      <mat-select formControlName="productId" required>
-        @for (product of productData; track product) {
-          <mat-option [value]="product.id">
-            {{ product.name }}
-          </mat-option>
-        }
-      </mat-select>
-      <mat-error>
-        {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
-        <strong>{{ 'labels.commons.required' | translate }}</strong>
-      </mat-error>
-    </mat-form-field>
-
-    @if (savingsProductSelected) {
-      <mat-form-field class="flex-48" (click)="submittedOnDatePicker.open()">
-        <mat-label>{{ 'labels.inputs.Submitted On' | translate }}</mat-label>
-        <input
-          matInput
-          [min]="minDate"
-          [max]="maxDate"
-          [matDatepicker]="submittedOnDatePicker"
-          formControlName="submittedOnDate"
-          required
-        />
-        <mat-datepicker-toggle matSuffix [for]="submittedOnDatePicker"></mat-datepicker-toggle>
-        <mat-datepicker #submittedOnDatePicker></mat-datepicker>
+  <!-- Account Details -->
+  <div class="sad-section">
+    <div class="sad-section__header">
+      <i class="fas fa-info-circle"></i>
+      <h3>Account Details</h3>
+    </div>
+    <div class="sad-grid">
+      <mat-form-field appearance="outline" class="sad-field">
+        <mat-label>{{ 'labels.inputs.Product Name' | translate }}</mat-label>
+        <mat-select formControlName="productId" required>
+          @for (product of productData; track product) {
+            <mat-option [value]="product.id">{{ product.name }}</mat-option>
+          }
+        </mat-select>
         <mat-error>
-          {{ 'labels.inputs.Submitted On' | translate }} {{ 'labels.commons.is' | translate }}
+          {{ 'labels.inputs.Product Name' | translate }} {{ 'labels.commons.is' | translate }}
           <strong>{{ 'labels.commons.required' | translate }}</strong>
         </mat-error>
       </mat-form-field>
-    }
 
-    @if (savingsProductSelected) {
-      <mat-form-field class="flex-48">
-        <mat-label>{{ 'labels.inputs.Field Officer' | translate }}</mat-label>
-        <mat-select formControlName="fieldOfficerId">
-          @for (officer of fieldOfficerData; track officer) {
-            <mat-option [value]="officer.id">
-              {{ officer.displayName }}
-            </mat-option>
-          }
-        </mat-select>
-      </mat-form-field>
-    }
+      @if (savingsProductSelected) {
+        <mat-form-field appearance="outline" class="sad-field" (click)="submittedOnDatePicker.open()">
+          <mat-label>{{ 'labels.inputs.Submitted On' | translate }}</mat-label>
+          <input
+            matInput
+            [min]="minDate"
+            [max]="maxDate"
+            [matDatepicker]="submittedOnDatePicker"
+            formControlName="submittedOnDate"
+            required
+          />
+          <mat-datepicker-toggle matSuffix [for]="submittedOnDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #submittedOnDatePicker></mat-datepicker>
+          <mat-error>
+            {{ 'labels.inputs.Submitted On' | translate }} {{ 'labels.commons.is' | translate }}
+            <strong>{{ 'labels.commons.required' | translate }}</strong>
+          </mat-error>
+        </mat-form-field>
+      }
 
-    @if (savingsProductSelected) {
-      <mat-form-field class="flex-48">
-        <mat-label>{{ 'labels.inputs.External ID' | translate }}</mat-label>
-        <input matInput formControlName="externalId" />
-      </mat-form-field>
-    }
+      @if (savingsProductSelected) {
+        <mat-form-field appearance="outline" class="sad-field">
+          <mat-label>{{ 'labels.inputs.Field Officer' | translate }}</mat-label>
+          <mat-select formControlName="fieldOfficerId">
+            @for (officer of fieldOfficerData; track officer) {
+              <mat-option [value]="officer.id">{{ officer.displayName }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      }
+
+      @if (savingsProductSelected) {
+        <mat-form-field appearance="outline" class="sad-field">
+          <mat-label>{{ 'labels.inputs.External ID' | translate }}</mat-label>
+          <input matInput formControlName="externalId" />
+        </mat-form-field>
+      }
+    </div>
   </div>
 
+  <!-- Product Classification (read-only, shown after product is selected) -->
+  @if (savingsProductSelected) {
+    <div class="sad-section sad-section--mt">
+      <div class="sad-section__header">
+        <i class="fas fa-tags"></i>
+        <h3>Product Classification</h3>
+        <span class="sad-badge">From Product</span>
+      </div>
+      <div class="sad-grid sad-grid--classification">
+        <mat-form-field appearance="outline" class="sad-field">
+          <mat-label>Account Type</mat-label>
+          <input matInput [value]="productTemplate.accountType || ''" readonly />
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="sad-field">
+          <mat-label>Customer Segment</mat-label>
+          <input matInput [value]="productTemplate.customerSegment || ''" readonly />
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="sad-field">
+          <mat-label>Product Code</mat-label>
+          <input matInput [value]="productTemplate.productCode || ''" readonly />
+        </mat-form-field>
+
+        @if (productTemplate.effectiveDate) {
+          <mat-form-field appearance="outline" class="sad-field">
+            <mat-label>Effective Date</mat-label>
+            <input matInput [value]="formatTemplateDate(productTemplate.effectiveDate)" readonly />
+          </mat-form-field>
+        }
+
+        @if (productTemplate.endDate) {
+          <mat-form-field appearance="outline" class="sad-field">
+            <mat-label>End Date</mat-label>
+            <input matInput [value]="formatTemplateDate(productTemplate.endDate)" readonly />
+          </mat-form-field>
+        }
+
+        <mat-form-field appearance="outline" class="sad-field">
+          <mat-label>Introducer Required</mat-label>
+          <input matInput [value]="productTemplate.introducerRequired ? 'Yes' : 'No'" readonly />
+        </mat-form-field>
+
+        <div class="sad-field sad-info-row">
+          <span class="sad-info-label">Share Linking Enabled</span>
+          <span class="sad-badge" [class.sad-badge--yes]="productTemplate.shareLinkingEnabled">
+            {{ productTemplate.shareLinkingEnabled ? 'Yes' : 'No' }}
+          </span>
+        </div>
+      </div>
+    </div>
+  }
+
   <div class="layout-row align-center gap-2percent margin-t responsive-column">
     <button mat-raised-button matStepperPrevious disabled>
       <fa-icon icon="arrow-left" class="m-r-10"></fa-icon>
diff --git a/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.scss b/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.scss
index af9f4c075..7c9847ae8 100644
--- a/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.scss
+++ b/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.scss
@@ -5,3 +5,101 @@
  * 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/.
  */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.sad-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  &--mt {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    i {
+      font-size: 14px;
+      color: $accent;
+    }
+
+    h3 {
+      margin: 0;
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+      flex: 1;
+    }
+  }
+}
+
+.sad-grid {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 4px 16px;
+  padding: 16px 24px;
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.sad-grid--classification {
+  grid-template-columns: repeat(3, 1fr);
+
+  @media (width <= 900px) {
+    grid-template-columns: repeat(2, 1fr);
+  }
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.sad-field {
+  width: 100%;
+}
+
+.sad-info-row {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  min-height: 56px;
+}
+
+.sad-info-label {
+  font-size: 14px;
+  color: $gray-900;
+  font-weight: 500;
+}
+
+.sad-badge {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  padding: 3px 12px;
+  border-radius: 999px;
+  font-size: 11px;
+  font-weight: 700;
+  background: #dbeafe;
+  color: #1d4ed8;
+  border: 1px solid #bfdbfe;
+
+  &--yes {
+    background: #dcfce7;
+    color: #15803d;
+    border-color: #bbf7d0;
+  }
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.ts b/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.ts
index c95d35bec..e30469624 100644
--- a/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.ts
+++ b/src/app/savings/savings-account-stepper/savings-account-details-step/savings-account-details-step.component.ts
@@ -1,4 +1,4 @@
-/**
+/**
  * Copyright since 2025 Mifos Initiative
  *
  * This Source Code Form is subject to the terms of the Mozilla Public
@@ -7,12 +7,13 @@
  */
 
 /** Angular Imports */
-import { Component, OnInit, Input, Output, EventEmitter, inject } from '@angular/core';
+import { Component, OnInit, Input, Output, EventEmitter, inject, ChangeDetectorRef } from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
+import { Dates } from 'app/core/utils/dates';
+import { SettingsService } from 'app/settings/settings.service';
 
 /** Custom Services */
 import { SavingsService } from 'app/savings/savings.service';
-import { SettingsService } from 'app/settings/settings.service';
 import { MatStepperPrevious, MatStepperNext } from '@angular/material/stepper';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -35,6 +36,8 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
   private formBuilder = inject(UntypedFormBuilder);
   private savingsService = inject(SavingsService);
   private settingsService = inject(SettingsService);
+  private dateUtils = inject(Dates);
+  private cdr = inject(ChangeDetectorRef);
 
   /** Savings Account Template */
   @Input() savingsAccountTemplate: any;
@@ -57,6 +60,9 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
   /** Savings Account Template with product data  */
   @Output() savingsAccountProductTemplate = new EventEmitter();
 
+  /** Local copy of product template for displaying classification info */
+  productTemplate: any = null;
+
   /**
    * Sets share account details form.
    * @param {FormBuilder} formBuilder Form Builder.
@@ -115,9 +121,11 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
       this.savingsService
         .getSavingsAccountTemplate(entityId, productId, this.savingsAccountTemplate.groupId ? true : false)
         .subscribe((response: any) => {
+          this.productTemplate = response;
           this.savingsAccountProductTemplate.emit(response);
           this.fieldOfficerData = response.fieldOfficerOptions;
           this.savingsProductSelected = true;
+          this.cdr.detectChanges();
           if (!this.isFieldOfficerPatched && this.savingsAccountTemplate.fieldOfficerId) {
             this.savingsAccountDetailsForm.get('fieldOfficerId').patchValue(this.savingsAccountTemplate.fieldOfficerId);
             this.isFieldOfficerPatched = true;
@@ -128,6 +136,32 @@ export class SavingsAccountDetailsStepComponent implements OnInit {
     });
   }
 
+  /**
+   * Formats template dates into the current CBS date format.
+   * Handles backend date arrays like [2026, 4, 20] as well as strings and Date objects.
+   */
+  formatTemplateDate(value: any): string {
+    if (!value) {
+      return '';
+    }
+
+    let dateValue: Date | null = null;
+
+    if (value instanceof Date) {
+      dateValue = value;
+    } else if (Array.isArray(value) && value.length >= 3) {
+      dateValue = new Date(value[0], value[1] - 1, value[2]);
+    } else {
+      dateValue = new Date(value);
+    }
+
+    if (!dateValue || Number.isNaN(dateValue.getTime())) {
+      return Array.isArray(value) ? value.join('/') : String(value);
+    }
+
+    return this.dateUtils.formatDate(dateValue, 'M/d/yyyy') || '';
+  }
+
   /**
    * Returns savings account form value.
    */
diff --git a/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.html b/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.html
new file mode 100644
index 000000000..c8bddd8d6
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.html
@@ -0,0 +1,234 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<div class="spl-section">
+  <div class="spl-section__header">
+    <span class="spl-section__icon">
+      <i class="fas fa-chart-bar"></i>
+    </span>
+    <div class="spl-section__title">Transaction &amp; Product Limits</div>
+    <div class="spl-section__badge">FROM PRODUCT</div>
+  </div>
+
+  <div class="spl-section__body">
+    <div class="spl-features">
+      <div class="spl-features__header">Account Features (as per RBI guidelines)</div>
+
+      <div class="spl-features__grid">
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-automobile"></i> ATM Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.atmFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-wallet"></i> ATM Withdrawal</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.atmWithdrawalFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-mobile-alt"></i> UPI Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.upiFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-exchange-alt"></i> POS Transactions</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.posTransactionsFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-book"></i> Cheque Book</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.chequeBook" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-bolt"></i> IMPS Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.impsFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-sms"></i> SMS Alerts</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.smsAlerts" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-bell"></i> BBPS Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.bbpsFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-shield-alt"></i> Insurance Cover</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.insuranceCover" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-bolt"></i> BEPG Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.bepgFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-money-check-alt"></i> NEFT Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.neftFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-money-check"></i> RTGS Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.rtgsFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-balance-scale"></i> Inter-Bank Total Cap</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.interBankTotalCapFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-arrow-right-arrow-left"></i> Withdrawal Facility</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.withdrawalFacility" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-id-card"></i> Deposit Facility (KYC)</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.depositFacilityKyc" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+
+        <label class="spl-feature">
+          <span class="spl-feature__label"><i class="fas fa-credit-card"></i> Virtual Debit Card</span>
+          <select class="spl-select" [ngModel]="accountFacilityConfig.virtualDebitCard" disabled>
+            <option [ngValue]="false">No</option>
+            <option [ngValue]="true">Yes</option>
+          </select>
+        </label>
+      </div>
+    </div>
+
+    @if (accountFacilityLimits.length > 0) {
+      <div class="spl-table-wrap">
+        <table class="spl-table">
+          <colgroup>
+            <col class="spl-table__col--label" />
+            <col class="spl-table__col--value" />
+            <col class="spl-table__col--value" />
+            <col class="spl-table__col--value" />
+          </colgroup>
+          <thead>
+            <tr>
+              <th>Limit Type</th>
+              <th>General Limit (Daily)</th>
+              <th>Minor Account Limit</th>
+              <th>Small Saving Limit</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (row of accountFacilityLimits; track row.limitType) {
+              <tr>
+                <td>{{ row.limitType }}</td>
+                <td><input type="text" class="spl-input" [value]="row.generalLimit" disabled /></td>
+                <td><input type="text" class="spl-input" [value]="row.minorAccountLimit" disabled /></td>
+                <td><input type="text" class="spl-input" [value]="row.smallSavingLimit" disabled /></td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    }
+
+    @if (depositLimitKyc?.general) {
+      <div class="spl-table-wrap spl-table-wrap--kyc">
+        <h4 class="mat-h4">Deposit Limit (KYC)</h4>
+        <table class="spl-table">
+          <thead>
+            <tr>
+              <th>Account Type</th>
+              <th>KYC Type</th>
+              <th>Limit</th>
+            </tr>
+          </thead>
+          <tbody>
+            <tr>
+              <td>General</td>
+              <td>
+                <select class="spl-select" [ngModel]="depositLimitKyc.general.kycType" disabled>
+                  <option>{{ depositLimitKyc.general.kycType }}</option>
+                </select>
+              </td>
+              <td><input type="text" class="spl-input" [value]="depositLimitKyc.general.limit" disabled /></td>
+            </tr>
+            <tr>
+              <td>Minor</td>
+              <td>
+                <select class="spl-select" [ngModel]="depositLimitKyc.minor.kycType" disabled>
+                  <option>{{ depositLimitKyc.minor.kycType }}</option>
+                </select>
+              </td>
+              <td><input type="number" class="spl-input" [value]="depositLimitKyc.minor.limit" disabled /></td>
+            </tr>
+            <tr>
+              <td>Small Saving</td>
+              <td>
+                <select class="spl-select" [ngModel]="depositLimitKyc.smallSaving.kycType" disabled>
+                  <option>{{ depositLimitKyc.smallSaving.kycType }}</option>
+                </select>
+              </td>
+              <td><input type="number" class="spl-input" [value]="depositLimitKyc.smallSaving.limit" disabled /></td>
+            </tr>
+          </tbody>
+        </table>
+      </div>
+    }
+
+    <div class="spl-note">
+      <strong>Note:</strong>
+      These facilities are defined at product level and applied to this account. Small Saving Account limits are
+      strictly capped at Rs.1,00,000 maximum balance per RBI Master Circular.
+    </div>
+  </div>
+</div>
diff --git a/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.scss b/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.scss
new file mode 100644
index 000000000..7b58a1abb
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.scss
@@ -0,0 +1,199 @@
+/**
+ * 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/.
+ */
+
+$border: #d9e2ec;
+$border-strong: #c7d2de;
+$text: #24364b;
+$muted: #64748b;
+$header-bg: #f8fafc;
+
+.spl-section {
+  border: 1px solid $border;
+  border-radius: 12px;
+  overflow: hidden;
+  background: #fff;
+}
+
+.spl-section__header {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  padding: 16px 20px;
+  background: $header-bg;
+  border-bottom: 1px solid $border;
+}
+
+.spl-section__icon {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  width: 28px;
+  height: 28px;
+  border-radius: 8px;
+  background: #eff6ff;
+  color: #2563eb;
+  font-size: 14px;
+  flex: 0 0 auto;
+}
+
+.spl-section__title {
+  flex: 1 1 auto;
+  font-size: 16px;
+  font-weight: 600;
+  color: $text;
+}
+
+.spl-section__badge {
+  flex: 0 0 auto;
+  padding: 5px 10px;
+  border-radius: 999px;
+  background: #dbeafe;
+  color: #1d4ed8;
+  font-size: 10px;
+  font-weight: 700;
+  letter-spacing: 0.05em;
+  white-space: nowrap;
+}
+
+.spl-section__body {
+  padding: 18px 20px 20px;
+}
+
+.spl-table-wrap {
+  overflow-x: auto;
+  margin-top: 16px;
+}
+
+.spl-table {
+  width: 100%;
+  min-width: 0;
+  table-layout: fixed;
+  border-collapse: collapse;
+  border: 1px solid $border;
+
+  col.spl-table__col--label {
+    width: 22%;
+  }
+
+  col.spl-table__col--value {
+    width: 26%;
+  }
+
+  th,
+  td {
+    border: 1px solid $border;
+    padding: 6px 8px;
+    vertical-align: middle;
+  }
+
+  th {
+    background: #f8fafc;
+    color: #64748b;
+    text-align: center;
+    font-size: 11px;
+    font-weight: 700;
+  }
+
+  td:first-child {
+    background: #f8fafc;
+    font-weight: 600;
+    color: $text;
+    white-space: nowrap;
+  }
+
+  td {
+    font-size: 13px;
+    overflow: hidden;
+  }
+}
+
+.spl-input,
+.spl-select {
+  width: 100%;
+  box-sizing: border-box;
+  font: inherit;
+}
+
+.spl-input {
+  height: 30px;
+  border: 1px solid $border-strong;
+  border-radius: 2px;
+  padding: 0 8px;
+  background: #f8fafc;
+  color: $muted;
+}
+
+.spl-select {
+  height: 30px;
+  border: 1px solid $border-strong;
+  border-radius: 2px;
+  padding: 0 6px;
+  background: #f8fafc;
+  color: $muted;
+}
+
+.spl-features {
+  margin-bottom: 16px;
+}
+
+.spl-features__header {
+  font-size: 13px;
+  font-weight: 600;
+  color: $muted;
+  margin-bottom: 12px;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+}
+
+.spl-features__grid {
+  display: grid;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+  gap: 12px 16px;
+
+  @media (width <= 900px) {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+
+  @media (width <= 640px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.spl-feature {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+  font-size: 13px;
+  color: $text;
+}
+
+.spl-feature__label {
+  display: inline-flex;
+  align-items: center;
+  gap: 8px;
+  font-weight: 600;
+  color: #334155;
+
+  i {
+    color: #2563eb;
+    font-size: 12px;
+    width: 14px;
+    text-align: center;
+  }
+}
+
+.spl-note {
+  margin-top: 16px;
+  padding: 12px 14px;
+  border: 1px solid $border;
+  border-radius: 8px;
+  background: #f8fafc;
+  color: $muted;
+  font-size: 11px;
+  line-height: 1.6;
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.ts b/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.ts
new file mode 100644
index 000000000..ae9f82d8e
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-digital-step/savings-account-digital-step.component.ts
@@ -0,0 +1,69 @@
+/**
+ * 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, Input } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+const DEFAULT_FACILITY_CONFIG = {
+  atmFacility: false,
+  atmWithdrawalFacility: false,
+  upiFacility: false,
+  posTransactionsFacility: false,
+  chequeBook: false,
+  impsFacility: false,
+  smsAlerts: false,
+  bbpsFacility: false,
+  insuranceCover: false,
+  bepgFacility: false,
+  neftFacility: false,
+  rtgsFacility: false,
+  interBankTotalCapFacility: false,
+  withdrawalFacility: false,
+  depositFacilityKyc: false,
+  virtualDebitCard: false
+};
+
+@Component({
+  selector: 'mifosx-savings-account-digital-step',
+  templateUrl: './savings-account-digital-step.component.html',
+  styleUrls: ['./savings-account-digital-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class SavingsAccountDigitalStepComponent {
+  private _savingsAccountProductTemplate: any;
+
+  @Input()
+  set savingsAccountProductTemplate(value: any) {
+    this._savingsAccountProductTemplate = value;
+  }
+  get savingsAccountProductTemplate(): any {
+    return this._savingsAccountProductTemplate;
+  }
+
+  get accountFacilityConfig() {
+    return this._savingsAccountProductTemplate?.accountFacilityConfig || DEFAULT_FACILITY_CONFIG;
+  }
+
+  get accountFacilityLimits(): any[] {
+    return this._savingsAccountProductTemplate?.accountFacilityLimits || [];
+  }
+
+  get depositLimitKyc() {
+    return (
+      this._savingsAccountProductTemplate?.depositLimitKyc || {
+        general: { kycType: '', limit: '' },
+        minor: { kycType: '', limit: '' },
+        smallSaving: { kycType: '', limit: '' }
+      }
+    );
+  }
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-preview-step/savings-account-preview-step.component.html b/src/app/savings/savings-account-stepper/savings-account-preview-step/savings-account-preview-step.component.html
index 10ee18062..7625ea53d 100644
--- a/src/app/savings/savings-account-stepper/savings-account-preview-step/savings-account-preview-step.component.html
+++ b/src/app/savings/savings-account-stepper/savings-account-preview-step/savings-account-preview-step.component.html
@@ -22,6 +22,27 @@
     <span class="flex-60">{{ savingsAccount.submittedOnDate | dateFormat }}</span>
   </div>
 
+  @if (savingsAccountProductTemplate?.effectiveDate) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Effective Date</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.effectiveDate | dateFormat }}</span>
+    </div>
+  }
+
+  @if (savingsAccountProductTemplate?.effectiveTo) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Effective To</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.effectiveTo | dateFormat }}</span>
+    </div>
+  }
+
+  @if (savingsAccountProductTemplate?.endDate) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">End Date</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.endDate | dateFormat }}</span>
+    </div>
+  }
+
   <div class="flex-fill layout-row">
     <span class="flex-40">{{ 'labels.inputs.External Id' | translate }}</span>
     @if (savingsAccount.externalId) {
@@ -74,7 +95,7 @@
 
   <div class="flex-fill layout-row">
     <span class="flex-40">{{ 'labels.inputs.Decimal Places' | translate }}</span>
-    <span class="flex-60">{{ savingsAccountTermsForm.get('decimal').value }}</span>
+    <span class="flex-60">{{ savingsAccountProductTemplate?.currency?.decimalPlaces }}</span>
   </div>
 
   <div class="flex-fill layout-row">
@@ -82,6 +103,49 @@
     <span class="flex-60">{{ savingsAccount.nominalAnnualInterestRate | formatNumber }} %</span>
   </div>
 
+  @if (savingsAccountProductTemplate?.interestCalculationTypeName) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Interest Calculation Mode</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.interestCalculationTypeName }}</span>
+    </div>
+  }
+
+  @if (savingsAccountProductTemplate?.lastInterestDate) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Last Interest Date</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.lastInterestDate | dateFormat }}</span>
+    </div>
+  }
+
+  <div class="flex-fill layout-row">
+    <span class="flex-40">Interest Calculation Selector</span>
+    <span class="flex-60">{{
+      getCatalogTranslation(
+        savingsAccount.interestCalculateSelector
+          | find: savingsAccountProductTemplate.interestCalculationTypeOption : 'id' : 'value'
+      )
+    }}</span>
+  </div>
+
+  @if (savingsAccount.averagePeriod) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Average Period</span>
+      <span class="flex-60">{{ savingsAccount.averagePeriod }}</span>
+    </div>
+  }
+
+  <div class="flex-fill layout-row">
+    <span class="flex-40">Auto Post</span>
+    <span class="flex-60">{{ savingsAccount.autoPost | yesNo }}</span>
+  </div>
+
+  @if (savingsAccount.frequencyFixDay !== undefined && savingsAccount.frequencyFixDay !== null) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Frequency Fix Day</span>
+      <span class="flex-60">{{ savingsAccount.frequencyFixDay }}</span>
+    </div>
+  }
+
   <div class="flex-fill layout-row">
     <span class="flex-40">{{ 'labels.inputs.Interest Compounding Period' | translate }}:</span>
     <span class="flex-60">{{
@@ -181,6 +245,27 @@
     <span class="flex-60">{{ savingsAccount.enforceMinRequiredBalance | yesNo }}</span>
   </div>
 
+  @if (savingsAccountProductTemplate?.enableLockinPeriod !== undefined) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Enable Lock-in Period</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.enableLockinPeriod | yesNo }}</span>
+    </div>
+  }
+
+  @if (savingsAccountProductTemplate?.balanceFrequency) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Balance Frequency</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.balanceFrequency }}</span>
+    </div>
+  }
+
+  @if (savingsAccountProductTemplate?.accountClosedZeroBalanceInDayClosing !== undefined) {
+    <div class="flex-fill layout-row">
+      <span class="flex-40">Account Closed Zero Balance In Day Closing</span>
+      <span class="flex-60">{{ savingsAccountProductTemplate.accountClosedZeroBalanceInDayClosing | yesNo }}</span>
+    </div>
+  }
+
   @if (savingsAccount.minRequiredBalance) {
     <div class="flex-fill layout-row">
       <span class="flex-40">{{ 'labels.inputs.Minimum Balance' | translate }}:</span>
diff --git a/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.html b/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.html
new file mode 100644
index 000000000..0cfb16fb7
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.html
@@ -0,0 +1,113 @@
+<!--
+  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]="savingsAccountSettingsForm">
+  <div class="sps-section">
+    <div class="sps-section__header">
+      <span class="sps-section__badge"><i class="fas fa-balance-scale"></i></span>
+      <span>Balance &amp; Minimum Balance</span>
+    </div>
+    <div class="sps-body">
+      <div class="sps-layout sps-layout--balance">
+        <div class="sps-row sps-row--three">
+          <mat-form-field appearance="outline" class="sps-field sps-field--compact">
+            <mat-label>{{ 'labels.inputs.Minimum Opening Balance' | translate }}</mat-label>
+            <input type="number" matInput formControlName="minRequiredOpeningBalance" min="0" step="0.01" />
+          </mat-form-field>
+
+          <div class="sps-toggle sps-toggle--inline">
+            <mat-checkbox labelPosition="before" formControlName="enforceMinRequiredBalance">
+              <span>Enforce Minimum Balance</span>
+            </mat-checkbox>
+          </div>
+
+          <mat-form-field appearance="outline" class="sps-field sps-field--compact">
+            <mat-label>Minimum Balance (&#8377;)</mat-label>
+            <input type="number" matInput formControlName="minRequiredBalance" min="0" step="0.01" />
+            <mat-hint>Penal charge applies on breach</mat-hint>
+          </mat-form-field>
+        </div>
+
+        <div class="sps-row sps-row--two">
+          <mat-form-field appearance="outline" class="sps-field sps-field--compact">
+            <mat-label>Balance Frequency</mat-label>
+            <mat-select formControlName="balanceFrequency">
+              @for (freq of periodFrequencyData; track freq.value) {
+                <mat-option [value]="freq.value">{{ freq.value }}</mat-option>
+              }
+            </mat-select>
+          </mat-form-field>
+
+          <div class="sps-toggle sps-toggle--inline sps-toggle--right">
+            <mat-checkbox labelPosition="before" formControlName="withdrawalFeeForTransfers">
+              <span>{{ 'labels.inputs.Apply Withdrawal Fee for Transfers' | translate }}</span>
+            </mat-checkbox>
+          </div>
+        </div>
+      </div>
+    </div>
+  </div>
+
+  <div class="sps-section">
+    <div class="sps-section__header">
+      <span class="sps-section__badge"><i class="fas fa-lock"></i></span>
+      <span>Lock-in Period</span>
+    </div>
+    <div class="sps-body">
+      <div class="sps-lockin-row">
+        <span>Enable Lock-in Period</span>
+        <mat-checkbox formControlName="enableLockinPeriod"></mat-checkbox>
+      </div>
+
+      @if (savingsAccountSettingsForm.value.enableLockinPeriod) {
+        <div class="sps-lockin-fields">
+          <mat-form-field appearance="outline" class="sps-field sps-field--compact">
+            <mat-label>{{ 'labels.inputs.Frequency' | translate }}*</mat-label>
+            <input type="number" matInput formControlName="lockinPeriodFrequency" min="1" step="1" />
+          </mat-form-field>
+
+          <mat-form-field appearance="outline" class="sps-field sps-field--compact">
+            <mat-label>{{ 'labels.inputs.Type' | translate }}*</mat-label>
+            <mat-select formControlName="lockinPeriodFrequencyType">
+              @for (type of lockinPeriodFrequencyTypeData; track type) {
+                <mat-option [value]="type.id">{{ type.value | translateKey: 'catalogs' }}</mat-option>
+              }
+            </mat-select>
+          </mat-form-field>
+        </div>
+      }
+    </div>
+  </div>
+
+  <div class="sps-section">
+    <div class="sps-section__header">
+      <span class="sps-section__badge"><i class="fas fa-cog"></i></span>
+      <span>Additional Rules</span>
+    </div>
+    <div class="sps-body">
+      <div class="sps-layout sps-layout--additional">
+        <div class="sps-toggle sps-toggle--full">
+          <mat-checkbox formControlName="accountClosedZeroBalanceInDayClosing">
+            <span>Account Closed with Zero balance in Day Closing</span>
+          </mat-checkbox>
+        </div>
+
+        @if (savingsAccountProductTemplate?.minBalanceForInterestCalculation != null) {
+          <mat-form-field appearance="outline" class="sps-field sps-field--compact">
+            <mat-label>{{ 'labels.inputs.Balance Required for Interest Calculation' | translate }}</mat-label>
+            <input
+              matInput
+              [value]="savingsAccountProductTemplate.minBalanceForInterestCalculation | formatNumber"
+              readonly
+            />
+          </mat-form-field>
+        }
+      </div>
+    </div>
+  </div>
+</form>
diff --git a/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.scss b/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.scss
new file mode 100644
index 000000000..4356c409f
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.scss
@@ -0,0 +1,169 @@
+/**
+ * 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/.
+ */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.sps-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  & + & {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    i {
+      font-size: 14px;
+      color: $accent;
+    }
+
+    span {
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+  }
+}
+
+.sps-section__badge {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  width: 24px;
+  height: 24px;
+  border-radius: 6px;
+  background: #eff6ff;
+  font-size: 14px;
+}
+
+.sps-body {
+  background: #fff;
+  padding: 18px 24px 24px;
+}
+
+.sps-field {
+  width: 100%;
+
+  &--full {
+    grid-column: 1 / -1;
+  }
+
+  &--compact {
+    width: 100%;
+  }
+}
+
+.sps-layout {
+  display: grid;
+  gap: 16px;
+}
+
+.sps-layout--balance {
+  gap: 22px;
+}
+
+.sps-layout--additional {
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  align-items: start;
+
+  @media (width <= 1100px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.sps-row {
+  display: grid;
+  gap: 18px;
+  align-items: start;
+}
+
+.sps-row--three {
+  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
+  align-items: center;
+
+  .sps-field--compact:first-child {
+    min-width: 0;
+  }
+
+  .sps-toggle--inline {
+    align-self: center;
+    min-height: 56px;
+  }
+}
+
+.sps-row--two {
+  grid-template-columns: minmax(0, 1fr) auto;
+  align-items: center;
+
+  .sps-field--compact {
+    min-width: 0;
+  }
+}
+
+.sps-toggle {
+  display: flex;
+  align-items: center;
+  min-height: 56px;
+
+  mat-checkbox {
+    font-size: 14px;
+    color: $gray-900;
+  }
+
+  &--full {
+    min-height: auto;
+    margin-bottom: 8px;
+  }
+
+  &--inline {
+    padding-top: 0;
+  }
+
+  &--right {
+    justify-content: flex-start;
+  }
+}
+
+.sps-lockin-row {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+  margin-bottom: 16px;
+  padding-bottom: 16px;
+  border-bottom: 1px solid $gray-200;
+  font-size: 14px;
+  color: $gray-900;
+}
+
+.sps-lockin-row mat-checkbox {
+  margin-right: 2px;
+}
+
+.sps-lockin-fields {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 16px;
+
+  @media (width <= 640px) {
+    grid-template-columns: 1fr;
+  }
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.ts b/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.ts
new file mode 100644
index 000000000..d3683e753
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-settings-step/savings-account-settings-step.component.ts
@@ -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/.
+ */
+
+import { Component, Input, OnInit, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators, UntypedFormControl } from '@angular/forms';
+import { MatCheckbox } from '@angular/material/checkbox';
+import { FormatNumberPipe } from '../../../pipes/format-number.pipe';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+@Component({
+  selector: 'mifosx-savings-account-settings-step',
+  templateUrl: './savings-account-settings-step.component.html',
+  styleUrls: ['./savings-account-settings-step.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    MatCheckbox,
+    FormatNumberPipe
+  ]
+})
+export class SavingsAccountSettingsStepComponent implements OnInit {
+  private formBuilder = inject(UntypedFormBuilder);
+
+  private _savingsAccountProductTemplate: any;
+
+  @Input()
+  set savingsAccountProductTemplate(value: any) {
+    this._savingsAccountProductTemplate = value;
+    if (value && this.savingsAccountSettingsForm) {
+      this.applyTemplate(value);
+    }
+  }
+  get savingsAccountProductTemplate(): any {
+    return this._savingsAccountProductTemplate;
+  }
+
+  savingsAccountSettingsForm: UntypedFormGroup;
+
+  lockinPeriodFrequencyTypeData: any[] = [];
+
+  periodFrequencyData: any[] = [
+    { value: 'Daily' },
+    { value: 'Weekly' },
+    { value: 'Monthly' },
+    { value: 'Quarterly' },
+    { value: 'Half Yearly' },
+    { value: 'Yearly' }];
+
+  constructor() {
+    this.createForm();
+    this.buildDependencies();
+  }
+
+  createForm() {
+    this.savingsAccountSettingsForm = this.formBuilder.group({
+      minRequiredOpeningBalance: [''],
+      withdrawalFeeForTransfers: [false],
+      enforceMinRequiredBalance: [false],
+      minRequiredBalance: [''],
+      balanceFrequency: ['Monthly'],
+      enableLockinPeriod: [false],
+      lockinPeriodFrequency: [''],
+      lockinPeriodFrequencyType: [''],
+      accountClosedZeroBalanceInDayClosing: [false],
+      allowOverdraft: [false]
+    });
+  }
+
+  ngOnInit() {
+    if (this._savingsAccountProductTemplate) {
+      this.applyTemplate(this._savingsAccountProductTemplate);
+    }
+  }
+
+  private applyTemplate(t: any) {
+    this.lockinPeriodFrequencyTypeData = t.lockinPeriodFrequencyTypeOptions || [];
+    const hasLockin = !!(t.lockinPeriodFrequency && t.lockinPeriodFrequency > 0);
+
+    this.savingsAccountSettingsForm.patchValue({
+      minRequiredOpeningBalance: t.minRequiredOpeningBalance,
+      withdrawalFeeForTransfers: t.withdrawalFeeForTransfers || false,
+      enforceMinRequiredBalance: t.enforceMinRequiredBalance || false,
+      minRequiredBalance: t.minRequiredBalance,
+      balanceFrequency: t.balanceFrequency || 'Monthly',
+      enableLockinPeriod: hasLockin,
+      lockinPeriodFrequency: hasLockin ? t.lockinPeriodFrequency : '',
+      lockinPeriodFrequencyType: hasLockin ? t.lockinPeriodFrequencyType?.id || '' : '',
+      accountClosedZeroBalanceInDayClosing: t.accountClosedZeroBalanceInDayClosing || false,
+      allowOverdraft: t.allowOverdraft || false
+    });
+
+    if (t.allowOverdraft) {
+      if (!this.savingsAccountSettingsForm.contains('minOverdraftForInterestCalculation')) {
+        this.savingsAccountSettingsForm.addControl('minOverdraftForInterestCalculation', new UntypedFormControl(''));
+        this.savingsAccountSettingsForm.addControl('nominalAnnualInterestRateOverdraft', new UntypedFormControl(''));
+        this.savingsAccountSettingsForm.addControl('overdraftLimit', new UntypedFormControl(''));
+      }
+      this.savingsAccountSettingsForm.patchValue({
+        minOverdraftForInterestCalculation: t.minOverdraftForInterestCalculation,
+        nominalAnnualInterestRateOverdraft: t.nominalAnnualInterestRateOverdraft,
+        overdraftLimit: t.overdraftLimit
+      });
+    }
+  }
+
+  buildDependencies() {
+    this.savingsAccountSettingsForm.get('enableLockinPeriod').valueChanges.subscribe((enabled: boolean) => {
+      if (enabled) {
+        this.savingsAccountSettingsForm.get('lockinPeriodFrequency').setValidators([
+          Validators.required,
+          Validators.min(1)
+        ]);
+        this.savingsAccountSettingsForm.get('lockinPeriodFrequencyType').setValidators([Validators.required]);
+      } else {
+        this.savingsAccountSettingsForm.get('lockinPeriodFrequency').setValue('');
+        this.savingsAccountSettingsForm.get('lockinPeriodFrequencyType').setValue('');
+        this.savingsAccountSettingsForm.get('lockinPeriodFrequency').clearValidators();
+        this.savingsAccountSettingsForm.get('lockinPeriodFrequencyType').clearValidators();
+      }
+      this.savingsAccountSettingsForm.get('lockinPeriodFrequency').updateValueAndValidity();
+      this.savingsAccountSettingsForm.get('lockinPeriodFrequencyType').updateValueAndValidity();
+    });
+
+    this.savingsAccountSettingsForm.get('allowOverdraft').valueChanges.subscribe((allowed: boolean) => {
+      if (allowed) {
+        this.savingsAccountSettingsForm.addControl('minOverdraftForInterestCalculation', new UntypedFormControl(''));
+        this.savingsAccountSettingsForm.addControl('nominalAnnualInterestRateOverdraft', new UntypedFormControl(''));
+        this.savingsAccountSettingsForm.addControl('overdraftLimit', new UntypedFormControl(''));
+      } else {
+        this.savingsAccountSettingsForm.removeControl('minOverdraftForInterestCalculation');
+        this.savingsAccountSettingsForm.removeControl('nominalAnnualInterestRateOverdraft');
+        this.savingsAccountSettingsForm.removeControl('overdraftLimit');
+      }
+    });
+  }
+
+  get savingsAccountSettings() {
+    const value = { ...this.savingsAccountSettingsForm.getRawValue() };
+    if (!value.enableLockinPeriod) {
+      value.lockinPeriodFrequency = null;
+      value.lockinPeriodFrequencyType = null;
+    }
+    delete value.enableLockinPeriod;
+    delete value.balanceFrequency;
+    delete value.accountClosedZeroBalanceInDayClosing;
+    return value;
+  }
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.html b/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.html
new file mode 100644
index 000000000..a90dfeba3
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.html
@@ -0,0 +1,170 @@
+<!--
+  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]="savingsAccountTermForm">
+  <div class="sat-section">
+    <div class="sat-section__header">
+      <span class="sat-section__badge"><i class="fas fa-chart-line"></i></span>
+      <span>Interest Rate &amp; Posting Terms</span>
+    </div>
+    <div class="sat-body">
+      <!-- Banner showing current rate -->
+      <div class="sat-banner">
+        <span class="sat-banner__icon">ℹ️</span>
+        <span>
+          Savings Account base rate:
+          <b>{{ savingsAccountTermForm.get('nominalAnnualInterestRate').value || 0 }}%</b>
+        </span>
+      </div>
+
+      <!-- Row 1: Nominal Interest + Effective Date + Interest Calculation Type -->
+      <div class="sat-grid sat-grid--three">
+        <mat-form-field appearance="outline" class="sat-field">
+          <mat-label>{{ 'labels.inputs.Nominal Annual Interest' | translate }}</mat-label>
+          <input type="number" matInput formControlName="nominalAnnualInterestRate" required min="0" step="0.01" />
+          @if (savingsAccountTermForm.get('nominalAnnualInterestRate').hasError('required')) {
+            <mat-error>Nominal Annual Interest is <strong>required</strong></mat-error>
+          }
+          @if (savingsAccountTermForm.get('nominalAnnualInterestRate').hasError('min')) {
+            <mat-error>Must be zero or greater</mat-error>
+          }
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="sat-field" (click)="effectiveDatePicker.open()">
+          <mat-label>Effective Date</mat-label>
+          <input
+            matInput
+            [matDatepicker]="effectiveDatePicker"
+            formControlName="effectiveDate"
+            [min]="minDate"
+            [max]="maxDate"
+          />
+          <mat-datepicker-toggle matSuffix [for]="effectiveDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #effectiveDatePicker></mat-datepicker>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="sat-field">
+          <mat-label>{{ 'labels.inputs.Interest Calculation Type' | translate }}</mat-label>
+          <mat-select formControlName="interestCalculateSelector">
+            @for (opt of interestCalculateSelectorData; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.value }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
+
+      <!-- Row 2: Interest Calculate (enum) + Average Period (conditional) + Interest Posting Period -->
+      <div class="sat-grid sat-grid--three">
+        <mat-form-field appearance="outline" class="sat-field">
+          <mat-label>Interest Calculate</mat-label>
+          <mat-select formControlName="interestCalculationType" required>
+            @for (opt of interestCalculationTypeData; track opt.id) {
+              <mat-option [value]="opt.id">{{ opt.value | translateKey: 'catalogs' }}</mat-option>
+            }
+          </mat-select>
+          <mat-error
+            >{{ 'labels.inputs.Interest Calculation Type' | translate }} is <strong>required</strong></mat-error
+          >
+        </mat-form-field>
+
+        @if (savingsAccountTermForm.value.interestCalculationType === 2) {
+          <mat-form-field appearance="outline" class="sat-field">
+            <mat-label>Average Period</mat-label>
+            <mat-select formControlName="averagePeriod">
+              @for (period of periodFrequencyData; track period) {
+                <mat-option [value]="period.value">{{ period.value }}</mat-option>
+              }
+            </mat-select>
+          </mat-form-field>
+        }
+
+        <mat-form-field appearance="outline" class="sat-field">
+          <mat-label>{{ 'labels.inputs.Interest Posting Period' | translate }}</mat-label>
+          <mat-select formControlName="interestPostingPeriodType" required>
+            @for (opt of interestPostingPeriodTypeData; track opt) {
+              <mat-option [value]="opt.id">{{ opt.value | translateKey: 'catalogs' }}</mat-option>
+            }
+          </mat-select>
+          <mat-error>{{ 'labels.inputs.Interest Posting Period' | translate }} is <strong>required</strong></mat-error>
+        </mat-form-field>
+      </div>
+
+      <!-- Row 3: Interest Compounding + Days in Year -->
+      <div class="sat-grid sat-grid--three">
+        <mat-form-field appearance="outline" class="sat-field">
+          <mat-label>{{ 'labels.inputs.Interest Compounding Period' | translate }}</mat-label>
+          <mat-select formControlName="interestCompoundingPeriodType" required>
+            @for (opt of interestCompoundingPeriodTypeData; track opt) {
+              <mat-option [value]="opt.id">{{ opt.value | translateKey: 'catalogs' }}</mat-option>
+            }
+          </mat-select>
+          <mat-error
+            >{{ 'labels.inputs.Interest Compounding Period' | translate }} is <strong>required</strong></mat-error
+          >
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="sat-field">
+          <mat-label>{{ 'labels.inputs.Days in Year' | translate }}</mat-label>
+          <mat-select formControlName="interestCalculationDaysInYearType" required>
+            @for (opt of interestCalculationDaysInYearTypeData; track opt) {
+              <mat-option [value]="opt.id">{{ opt.value | translateKey: 'catalogs' }}</mat-option>
+            }
+          </mat-select>
+          <mat-error>{{ 'labels.inputs.Days in Year' | translate }} is <strong>required</strong></mat-error>
+        </mat-form-field>
+      </div>
+
+      <!-- Footer: Auto Post + Frequency Fix Day + Last Interest Date -->
+      <div class="sat-footer">
+        <div class="sat-footer__grid">
+          <div class="sat-toggle-card">
+            <div>
+              <h4>Auto Interest Post</h4>
+            </div>
+            <div class="sat-toggle-card__choices">
+              @for (option of yesNoOptions; track option.value) {
+                <label class="sat-radio-label">
+                  <input type="radio" formControlName="autoPost" [value]="option.value" />
+                  <span>{{ option.label }}</span>
+                </label>
+              }
+            </div>
+          </div>
+
+          <mat-form-field appearance="outline" class="sat-field">
+            <mat-label>Frequency (Fix Day)</mat-label>
+            <input type="number" matInput formControlName="frequencyFixDay" min="0" />
+            <mat-hint>Days</mat-hint>
+          </mat-form-field>
+
+          <mat-form-field appearance="outline" class="sat-field" (click)="lastInterestDatePicker.open()">
+            <mat-label>Last Interest Date</mat-label>
+            <input
+              matInput
+              [matDatepicker]="lastInterestDatePicker"
+              formControlName="lastInterestDate"
+              [min]="minDate"
+              [max]="maxDate"
+            />
+            <mat-datepicker-toggle matSuffix [for]="lastInterestDatePicker"></mat-datepicker-toggle>
+            <mat-datepicker #lastInterestDatePicker></mat-datepicker>
+          </mat-form-field>
+        </div>
+
+        @if (savingsAccountTermForm.value.interestCalculationType === 1) {
+          <div class="sat-note">
+            <span>⚠️</span>
+            <span
+              >Daily product-based interest accrual enabled - interest calculated EOD on daily closing balance.</span
+            >
+          </div>
+        }
+      </div>
+    </div>
+  </div>
+</form>
diff --git a/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.scss b/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.scss
new file mode 100644
index 000000000..038977265
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.scss
@@ -0,0 +1,166 @@
+/**
+ * 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/.
+ */
+
+$accent: #0ea5e9;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-900: #202124;
+
+.sat-section {
+  border: 1px solid $border;
+  border-radius: 10px;
+  overflow: hidden;
+  background: #fff;
+
+  & + & {
+    margin-top: 16px;
+  }
+
+  &__header {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    padding: 12px 24px;
+    background: $gray-50;
+    border-bottom: 1px solid $gray-200;
+
+    span {
+      font-size: 14px;
+      font-weight: 600;
+      color: $gray-900;
+    }
+  }
+}
+
+.sat-section__badge {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  width: 24px;
+  height: 24px;
+  border-radius: 6px;
+  background: #eff6ff;
+  font-size: 14px;
+}
+
+.sat-body {
+  background: #fff;
+  padding: 18px 24px 24px;
+}
+
+.sat-banner {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  padding: 10px 14px;
+  margin-bottom: 18px;
+  border-radius: 8px;
+  background: #eff6ff;
+  border: 1px solid #bfdbfe;
+  font-size: 13px;
+  color: $gray-900;
+
+  &__icon {
+    font-size: 16px;
+  }
+}
+
+.sat-grid {
+  display: grid;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+  gap: 4px 16px;
+
+  @media (width <= 900px) {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+
+  @media (width <= 600px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.sat-field {
+  width: 100%;
+}
+
+.sat-footer {
+  margin-top: 16px;
+  padding-top: 16px;
+  border-top: 1px solid $border;
+
+  &__grid {
+    display: grid;
+    grid-template-columns: auto 1fr 1fr;
+    gap: 4px 16px;
+    align-items: start;
+
+    @media (width <= 900px) {
+      grid-template-columns: 1fr 1fr;
+    }
+
+    @media (width <= 600px) {
+      grid-template-columns: 1fr;
+    }
+  }
+}
+
+.sat-toggle-card {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+  padding: 10px 14px;
+  border: 1px solid $border;
+  border-radius: 8px;
+  background: $gray-50;
+  min-height: 56px;
+
+  h4 {
+    margin: 0;
+    font-size: 12px;
+    font-weight: 600;
+    color: #64748b;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+  }
+
+  &__choices {
+    display: flex;
+    gap: 16px;
+    align-items: center;
+  }
+}
+
+.sat-radio-label {
+  display: flex;
+  align-items: center;
+  gap: 6px;
+  font-size: 14px;
+  color: $gray-900;
+  cursor: pointer;
+
+  [type='radio'] {
+    accent-color: $accent;
+    width: 16px;
+    height: 16px;
+    cursor: pointer;
+  }
+}
+
+.sat-note {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  margin-top: 12px;
+  padding: 10px 14px;
+  border-radius: 8px;
+  background: #fffbeb;
+  border: 1px solid #fde68a;
+  font-size: 13px;
+  color: #92400e;
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.ts b/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.ts
new file mode 100644
index 000000000..fbf388008
--- /dev/null
+++ b/src/app/savings/savings-account-stepper/savings-account-term-step/savings-account-term-step.component.ts
@@ -0,0 +1,154 @@
+/**
+ * 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, Input, OnInit, inject } from '@angular/core';
+import { UntypedFormGroup, UntypedFormBuilder, Validators } from '@angular/forms';
+import { Dates } from 'app/core/utils/dates';
+import { SettingsService } from 'app/settings/settings.service';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+@Component({
+  selector: 'mifosx-savings-account-term-step',
+  templateUrl: './savings-account-term-step.component.html',
+  styleUrls: ['./savings-account-term-step.component.scss'],
+  imports: [...STANDALONE_SHARED_IMPORTS]
+})
+export class SavingsAccountTermStepComponent implements OnInit {
+  private formBuilder = inject(UntypedFormBuilder);
+  private dateUtils = inject(Dates);
+  private settingsService = inject(SettingsService);
+
+  private _savingsAccountProductTemplate: any;
+
+  @Input()
+  set savingsAccountProductTemplate(value: any) {
+    this._savingsAccountProductTemplate = value;
+    if (value && this.savingsAccountTermForm) {
+      this.applyTemplate(value);
+    }
+  }
+  get savingsAccountProductTemplate(): any {
+    return this._savingsAccountProductTemplate;
+  }
+
+  savingsAccountTermForm: UntypedFormGroup;
+
+  interestCompoundingPeriodTypeData: any[] = [];
+  interestPostingPeriodTypeData: any[] = [];
+  interestCalculationTypeData: any[] = [];
+  interestCalculationDaysInYearTypeData: any[] = [];
+  interestCalculateSelectorData: any[] = [];
+  periodFrequencyData: any[] = [];
+
+  yesNoOptions = [
+    { value: true, label: 'Yes' },
+    { value: false, label: 'No' }
+  ];
+
+  minDate = new Date(2000, 0, 1);
+  maxDate = new Date();
+
+  constructor() {
+    this.createForm();
+  }
+
+  createForm() {
+    this.savingsAccountTermForm = this.formBuilder.group({
+      currencyCode: [{ value: '', disabled: true }],
+      nominalAnnualInterestRate: [
+        '',
+        [
+          Validators.required,
+          Validators.min(0)
+        ]
+      ],
+      interestCompoundingPeriodType: [
+        '',
+        Validators.required
+      ],
+      interestPostingPeriodType: [
+        '',
+        Validators.required
+      ],
+      interestCalculationType: [
+        '',
+        Validators.required
+      ],
+      interestCalculationDaysInYearType: [
+        '',
+        Validators.required
+      ],
+      effectiveDate: [''],
+      interestCalculateSelector: [1],
+      averagePeriod: ['Monthly'],
+      autoPost: [true],
+      frequencyFixDay: [
+        30,
+        [Validators.min(0)]
+      ],
+      lastInterestDate: ['']
+    });
+  }
+
+  ngOnInit() {
+    this.maxDate = this.settingsService.businessDate;
+    // Apply template if it was set before the form was ready
+    if (this._savingsAccountProductTemplate) {
+      this.applyTemplate(this._savingsAccountProductTemplate);
+    }
+  }
+
+  private applyTemplate(t: any) {
+    this.maxDate = this.settingsService.businessDate;
+
+    this.interestCompoundingPeriodTypeData = t.interestCompoundingPeriodTypeOptions || [];
+    this.interestPostingPeriodTypeData = t.interestPostingPeriodTypeOptions || [];
+    this.interestCalculationTypeData = t.interestCalculationTypeOptions || [];
+    this.interestCalculateSelectorData = t.interestCalculationTypeOption || [];
+    this.interestCalculationDaysInYearTypeData = t.interestCalculationDaysInYearTypeOptions || [];
+    this.periodFrequencyData = t.periodFrequencyOptions?.length ? t.periodFrequencyOptions : [
+          { value: 'Monthly' },
+          { value: 'Quarterly' },
+          { value: 'Half Yearly' },
+          { value: 'Yearly' }];
+
+    const defaultPeriod = this.periodFrequencyData[0]?.value || 'Monthly';
+    const savedEnumTypeId = t.interestCalculationType?.id || this.interestCalculationTypeData?.[0]?.id || 1;
+    const savedSelectorId = t.interestCalculateSelector ?? this.interestCalculateSelectorData?.[0]?.id ?? null;
+
+    this.savingsAccountTermForm.patchValue({
+      currencyCode: t.currency?.code,
+      nominalAnnualInterestRate: t.nominalAnnualInterestRate,
+      interestCompoundingPeriodType: t.interestCompoundingPeriodType?.id,
+      interestPostingPeriodType: t.interestPostingPeriodType?.id,
+      interestCalculationType: savedEnumTypeId,
+      interestCalculationDaysInYearType: t.interestCalculationDaysInYearType?.id,
+      effectiveDate: t.effectiveDate ? new Date(t.effectiveDate) : '',
+      interestCalculateSelector: savedSelectorId,
+      averagePeriod: t.averagePeriod || defaultPeriod,
+      autoPost: t.autoPost ?? true,
+      frequencyFixDay: t.frequencyFixDay ?? 30,
+      lastInterestDate: t.lastInterestDate ? new Date(t.lastInterestDate) : ''
+    });
+  }
+
+  get savingsAccountTerms() {
+    const value = { ...this.savingsAccountTermForm.getRawValue() };
+    const dateFormat = this.settingsService.dateFormat;
+
+    if (value.effectiveDate instanceof Date) {
+      value.effectiveDate = this.dateUtils.formatDate(value.effectiveDate, dateFormat) || '';
+    }
+    if (value.lastInterestDate instanceof Date) {
+      value.lastInterestDate = this.dateUtils.formatDate(value.lastInterestDate, dateFormat) || '';
+    }
+
+    delete value.currencyCode;
+    return value;
+  }
+}
diff --git a/src/app/savings/savings-account-stepper/savings-account-terms-step/savings-account-terms-step.component.html b/src/app/savings/savings-account-stepper/savings-account-terms-step/savings-account-terms-step.component.html
index 2f6b97985..8d2053bc9 100644
--- a/src/app/savings/savings-account-stepper/savings-account-terms-step/savings-account-terms-step.component.html
+++ b/src/app/savings/savings-account-stepper/savings-account-terms-step/savings-account-terms-step.component.html
@@ -152,13 +152,6 @@
       <mat-label>{{ 'labels.inputs.Minimum Balance' | translate }}</mat-label>
       <input type="number" matInput formControlName="minRequiredBalance" />
     </mat-form-field>
-
-    @if (savingsAccountTermsForm.controls.minBalanceForInterestCalculation.value) {
-      <mat-form-field class="flex-48">
-        <mat-label>{{ 'labels.inputs.Balance Required for Interest Calculation' | translate }}</mat-label>
-        <input type="number" matInput formControlName="minBalanceForInterestCalculation" />
-      </mat-form-field>
-    }
   </div>
 
   <div class="layout-row align-center gap-2percent margin-t responsive-column">
diff --git a/src/environments/.env.ts b/src/environments/.env.ts
index c92cec15e..e32239a6a 100644
--- a/src/environments/.env.ts
+++ b/src/environments/.env.ts
@@ -5,13 +5,12 @@
  * 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/.
  */
-
 // IMPORTANT: THIS FILE IS AUTO GENERATED! DO NOT MANUALLY EDIT OR CHECKIN!
 /* tslint:disable */
 export default {
   'mifos_x': {
-    'version': '260420',
-    'hash': 'fe61c925'
+    'version': '260421',
+    'hash': 'e212bf7d'
   },
   'allow_switching_backend_instance': true
 };