Enforce same-user maker-checker restriction

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

package.json

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

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

@@ -539,7 +539,7 @@
   </div>
 
   <div class="gl-table-shell">
-    <mat-table [dataSource]="dataSource" matSort class="gl-mat-table">
+    <mat-table [dataSource]="dataSource" matSort matSortActive="id" matSortDirection="desc" class="gl-mat-table">
       <!-- #ID -->
       <ng-container matColumnDef="id">
         <mat-header-cell *matHeaderCellDef mat-sort-header class="gl-th">#</mat-header-cell>

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

@@ -6041,7 +6041,12 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
           this.editRequest = req;
         }
 
-        const acTyp = 'SD';
+        // Same bug, same fix as the token-driven withdrawal-slip lookup above (see its comment): the
+        // request carries its own real account_type (SAVINGS, CURRENT, FIXED_DEPOSIT or
+        // RECURRING_DEPOSIT), and hardcoding 'SD' here searched every non-savings account on the
+        // wrong endpoint, so reviewing a Current-account withdrawal always failed with "Account not
+        // found".
+        const acTyp = TransactionEntryComponent.SEARCH_ACCOUNT_TYPE_TO_AC_TYP[req.account_type || ''] || 'SD';
         const row = this.rows[0];
         row.acNo = req.account_no ?? '';
         row.acTyp = acTyp;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

@@ -55,7 +55,10 @@
       <div class="f121__note">
         <mat-icon>info_outline</mat-icon>
         <div>
-          @if (!dateOfBirth) {
+          @if (configMissing) {
+            TDS rates for FY {{ fy }} are not configured, so the tax cannot be computed. Set them up under
+            Organization › TDS Configuration.
+          } @else if (!dateOfBirth) {
             Date of birth is not on record, so the senior-citizen threshold cannot be determined. Add it on the Personal
             Data tab.
           } @else {

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

@@ -153,6 +153,8 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   schedule: TdsSchedule | null = null;
   actualTds = 0;
   tdsSaved = 0;
+  /** The selected year has no entry on Organization › TDS Configuration. */
+  configMissing = false;
 
   /** Raw account inputs, kept so the year selector can recompute cheaply. */
   private accountInputs: (TdsAccountInput & { meta: Form121AccountRow })[] = [];
@@ -212,7 +214,8 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     this.panWellFormed = isWellFormedPan(this.pan);
     this.declarationOnRecord = !!kyc?.form15Applicable;
     this.declarationKind = kyc?.form15Type === '15H' ? '15H' : '15G';
-    this.declarationForm = this.fy ? declarationFormFor(this.fy, this.dateOfBirth) : '121';
+    this.declarationForm =
+      this.fy && FY_TAX_CONFIG[normaliseFy(this.fy)] ? declarationFormFor(this.fy, this.dateOfBirth) : '121';
     this.declarationFy = kyc?.form15FY ?? '';
     this.acceptanceDateKnown = false;
   }
@@ -333,6 +336,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     }
 
     const year = normaliseFy(this.fy);
+    this.configMissing = !FY_TAX_CONFIG[year];
 
     // Per-account interest for the selected year, for the three lists.
     for (const a of this.accountInputs) {
@@ -340,7 +344,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     }
     this.actualTds = this.actualTdsByFy.get(year) ?? 0;
 
-    if (!this.dateOfBirth) {
+    if (!this.dateOfBirth || this.configMissing) {
       return;
     }
 
@@ -411,7 +415,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
 
   /** The form the payee would file for the selected year. */
   get formLabel(): string {
-    if (!this.fy) {
+    if (!this.fy || this.configMissing) {
       return '—';
     }
     const form = declarationFormFor(this.fy, this.dateOfBirth);

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

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

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

@@ -182,7 +182,10 @@ export class KycTabComponent implements OnInit, OnDestroy {
   docScans: { front: DocScanSide | null; back: DocScanSide | null } = { front: null, back: null };
 
   /** The two sides, in display order, so the template loops rather than repeating itself. */
-  readonly docScanSlots: ('front' | 'back')[] = ['front', 'back'];
+  readonly docScanSlots: ('front' | 'back')[] = [
+    'front',
+    'back'
+  ];
 
   docScanOf(slot: 'front' | 'back') {
     return this.docScans[slot];
@@ -1455,7 +1458,10 @@ I further confirm that:
       this.docScansLoading = false;
       // This runs again after every replace, so the previews being thrown away are revoked
       // rather than left holding their blobs.
-      for (const old of [this.docScans.front, this.docScans.back]) {
+      for (const old of [
+        this.docScans.front,
+        this.docScans.back
+      ]) {
         if (old?.previewUrl) {
           URL.revokeObjectURL(old.previewUrl);
         }
@@ -1497,7 +1503,10 @@ I further confirm that:
       }
 
       this.docScans = sides;
-      for (const key of ['front', 'back'] as const) {
+      for (const key of [
+        'front',
+        'back'
+      ] as const) {
         if (sides[key]) {
           this.loadScanPreview(sides[key]!);
         }
@@ -1558,7 +1567,9 @@ I further confirm that:
       error: (err: any) => {
         this.docScanUploading = null;
         this.docScanError =
-          err?.error?.defaultUserMessage || err?.error?.developerMessage || `Could not replace the ${label.toLowerCase()} side.`;
+          err?.error?.defaultUserMessage ||
+          err?.error?.developerMessage ||
+          `Could not replace the ${label.toLowerCase()} side.`;
       }
     });
   }
@@ -1741,7 +1752,10 @@ I further confirm that:
     this.destroy$.next();
     this.destroy$.complete();
     // Object URLs are held by the browser until revoked, so the scan blobs would outlive the tab.
-    for (const side of [this.docScans.front, this.docScans.back]) {
+    for (const side of [
+      this.docScans.front,
+      this.docScans.back
+    ]) {
       if (side?.previewUrl) {
         URL.revokeObjectURL(side.previewUrl);
       }

src/app/clients/clients.service.ts

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

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

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

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

@@ -25,6 +25,18 @@ import { environment } from '../../../environments/environment';
 export class CacheInterceptor implements HttpInterceptor {
   private forceUpdate = false;
 
+  /**
+   * Endpoints that compute a live figure from the current ledger/configuration and must never be
+   * served from cache. Caching them meant a report kept showing a stale response after its
+   * underlying GL mapping changed — the request was answered from cachedData and the backend was
+   * never hit again. Matched as a substring of the request URL.
+   */
+  private static readonly NEVER_CACHE = ['/rbireservereturn', '/rbireserveconfig', '/tdsconfig', '/tds/deposit-interest'];
+
+  private isCacheable(url: string): boolean {
+    return !CacheInterceptor.NEVER_CACHE.some((fragment) => url.includes(fragment));
+  }
+
   // eslint-disable-next-line @angular-eslint/prefer-inject
   constructor(private httpCacheService: HttpCacheService) {}
 
@@ -42,7 +54,7 @@ export class CacheInterceptor implements HttpInterceptor {
   }
 
   intercept(request: HttpRequest<any>, next: HttpHandler): Observable<HttpEvent<any>> {
-    if (request.method !== 'GET') {
+    if (request.method !== 'GET' || !this.isCacheable(request.urlWithParams)) {
       return next.handle(request);
     }
 

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

@@ -2071,6 +2071,28 @@
               <fa-icon icon="users" class="gl-icon" style="color: #4f46e5"></fa-icon> Members &amp; Share Capital
             </a>
           </div>
+          <!-- Reserve Returns — CRR and SLR, computed live from the ledger. Grouped apart from the
+               OSS returns because they are filed on their own cycles: Form 1 twice a month, Form 9
+               at month end. -->
+          <div class="gl-group">
+            <div class="gl-group-title">Reserve Returns</div>
+            <a
+              class="gl-link"
+              [class.hidden]="!matchesRbiSearch('Form 1 CRR Cash Reserve Ratio')"
+              routerLink="/rbi/form1"
+              (click)="rbiMenuOpen = false"
+            >
+              <fa-icon icon="percentage" class="gl-icon" style="color: #b45309"></fa-icon> Form 1 — CRR (fortnightly)
+            </a>
+            <a
+              class="gl-link"
+              [class.hidden]="!matchesRbiSearch('Form 9 SLR Statutory Liquidity Ratio')"
+              routerLink="/rbi/form9"
+              (click)="rbiMenuOpen = false"
+            >
+              <fa-icon icon="percentage" class="gl-icon" style="color: #b45309"></fa-icon> Form 9 — SLR (monthly)
+            </a>
+          </div>
           <!-- CIMS / XBRL Returns -->
           <div class="gl-group">
             <div class="gl-group-title">CIMS / XBRL Returns</div>

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

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

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

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

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

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

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

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

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

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

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

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

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

@@ -18,7 +18,7 @@
           {{
             isDashboardRenewalMode
               ? 'Renew ' + (dashboardRenewalRow?.accountNo ?? 'this matured FD') + '.'
-              : "Process this Fixed Deposit now -- works whether it's Active or Matured."
+              : 'Process this matured Fixed Deposit now.'
           }}
         </p>
       </div>
@@ -40,18 +40,64 @@
       </div>
     } @else {
       <form [formGroup]="paymentForm">
-        @if (isDashboardRenewalMode) {
+        @if (isMaturedRenewal) {
           <p class="pmt__hint">
             <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
-            {{ dashboardRenewalTimingText }}
+            {{ maturedRenewalTimingText }}
           </p>
+
+          @if (renewalPreviewLoading) {
+            <p class="pmt__hint">
+              <fa-icon icon="spinner" [class.fa-spin]="true" class="m-r-5"></fa-icon>
+              Calculating gap-period interest...
+            </p>
+          } @else if (renewalPreview && !renewalPreview.withinGrace) {
+            @if (!renewalPreview.linkedAccountId) {
+              <p class="pmt__hint pmt__hint--warn" role="alert">
+                <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+                This FD has no Deposit Account Link, so there is no account to read a gap-interest rate from. Link a
+                Savings account to it before renewing late.
+              </p>
+            } @else {
+              <div class="pmt__preview">
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">FD Maturity Balance (renews as-is below)</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.currentBalance | formatNumber }}</span>
+                </div>
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">Gap Days ({{ renewalPreview.maturityDate }} &rarr; today)</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.gapDays }}</span>
+                </div>
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">Deposit Account Link</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.linkedAccountNo }}</span>
+                </div>
+                <div class="pmt__preview-row">
+                  <span class="pmt__preview-label">Its Interest Rate</span>
+                  <span class="pmt__preview-value">{{ renewalPreview.linkedAccountRate }}%</span>
+                </div>
+                <div class="pmt__preview-row pmt__preview-row--highlight pmt__preview-row--total">
+                  <span class="pmt__preview-label"
+                    >Gap-Period Interest &rarr; paid to {{ renewalPreview.linkedAccountNo }}</span
+                  >
+                  <span class="pmt__preview-value">+ {{ renewalPreview.gapInterestAmount | formatNumber }}</span>
+                </div>
+              </div>
+              <p class="pmt__hint">
+                <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+                This gap interest was earned at the linked account's own rate, not the FD's -- it is credited straight
+                to account {{ renewalPreview.linkedAccountNo }} (the FD's Deposit Account Link), separately from
+                whatever you choose below. The FD itself renews from its own maturity balance, unchanged.
+              </p>
+            }
+          }
         }
 
         @if (reinvestCap !== null && reinvestCap !== undefined) {
           <div class="pmt__stat">
             <span class="pmt__stat-label">
               {{
-                isDashboardRenewalMode || !remainderIsApproximate
+                isMaturedRenewal || !remainderIsApproximate
                   ? ('labels.inputs.Maturity Amount' | translate)
                   : 'Amount available on the selected date'
               }}
@@ -60,7 +106,7 @@
           </div>
         }
 
-        @if (!isDashboardRenewalMode) {
+        @if (!isMaturedRenewal) {
           <mat-form-field appearance="outline" class="pmt__date" (click)="closedOnDatePicker.open()">
             <mat-label>{{ 'labels.inputs.Closed On Date' | translate }}</mat-label>
             <input
@@ -184,7 +230,7 @@
           </mat-form-field>
         }
 
-        @if (!isDashboardRenewalMode) {
+        @if (!isMaturedRenewal) {
           <mat-form-field appearance="outline">
             <mat-label>{{ 'labels.inputs.Note' | translate }}</mat-label>
             <textarea matInput formControlName="note" cdkTextareaAutosize cdkAutosizeMinRows="2"></textarea>

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

@@ -164,6 +164,68 @@
   }
 }
 
+.pmt__preview {
+  display: flex;
+  flex-direction: column;
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 14px;
+  padding: 4px 18px;
+  margin: 0 0 18px;
+
+  &-row {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 12px;
+    padding: 11px 0;
+    border-bottom: 1px solid #f1f5f9;
+
+    &:last-child {
+      border-bottom: none;
+    }
+
+    &--highlight {
+      .pmt__preview-value {
+        color: #0d9488;
+        font-weight: 800;
+      }
+    }
+
+    &--total {
+      margin: 0 -18px;
+      padding: 14px 18px;
+      background: linear-gradient(135deg, #eff6ff 0%, #e0e9ff 100%);
+      border-bottom: none;
+      border-radius: 0 0 12px 12px;
+
+      .pmt__preview-label {
+        color: #1d4ed8;
+        font-weight: 700;
+      }
+
+      .pmt__preview-value {
+        color: #0f172a;
+        font-size: 18px;
+        font-weight: 800;
+      }
+    }
+  }
+
+  &-label {
+    font-size: 12.5px;
+    color: #64748b;
+    font-weight: 600;
+  }
+
+  &-value {
+    font-family: 'JetBrains Mono', 'DM Sans', monospace;
+    font-size: 14px;
+    font-weight: 700;
+    color: #0f172a;
+  }
+}
+
 .pmt__section-label {
   font-size: 12px;
   font-weight: 700;

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

@@ -113,6 +113,12 @@ export class PaymentDialogComponent implements OnInit {
    *  after open; cleared as soon as `submit()` has credited it, so a retried submit doesn't double-post. */
   private gapInterestPending = false;
 
+  /** Read-only numbers (current balance, linked account's rate, gap days, gap-interest amount,
+   *  projected new balance) fetched once on open in dashboard-renewal mode, shown above the Action
+   *  cards so staff see exactly what a late renewal is about to credit before confirming anything. */
+  renewalPreview: any = null;
+  renewalPreviewLoading = false;
+
   ngOnInit(): void {
     this.maxDate = this.settingsService.businessDate;
     this.paymentForm = this.formBuilder.group({
@@ -127,16 +133,32 @@ export class PaymentDialogComponent implements OnInit {
       note: ['']
     });
 
-    const dashboardRow = this.dashboardRenewalRow;
-    if (dashboardRow) {
-      // Computed from the grace window, never picked -- the date field stays in the form (the generic
-      // submit path and reinvestCap/processingOnOrAfterMaturity both key off it) but its picker is
-      // hidden in this mode (see the template), so it can't be moved off this value.
-      this.paymentForm
-        .get('closedOnDate')
-        .setValue(dashboardRow.withinGraceWindow ? new Date(dashboardRow.maturityDate) : this.maxDate);
-      this.gapInterestPending = !dashboardRow.withinGraceWindow;
-    }
+    // Fetched every time this dialog opens, not just from the FD Dashboard -- Payment is now only ever
+    // offered once an FD has Matured (see FixedDepositsButtonsConfiguration), so a plain Payment on it
+    // is exactly the same "late renewal" scenario the Dashboard's Renew action handles, and needs the
+    // exact same date-locking/gap-interest treatment, or an FD closed this way instead of from the
+    // Dashboard would silently skip crediting interest it genuinely earned.
+    this.renewalPreviewLoading = true;
+    this.fixedDepositsService.getFdRenewalPreview(this.data.accountId).subscribe({
+      next: (preview: any) => {
+        this.renewalPreview = preview;
+        this.renewalPreviewLoading = false;
+        if (preview?.isMatured) {
+          // Computed from the grace window, never picked -- the date field stays in the form (the
+          // generic submit path and reinvestCap/processingOnOrAfterMaturity both key off it) but its
+          // picker is hidden once matured (see the template), so it can't be moved off this value.
+          this.paymentForm
+            .get('closedOnDate')
+            .setValue(preview.withinGrace ? new Date(preview.maturityDate) : this.maxDate);
+          this.gapInterestPending = !preview.withinGrace;
+        }
+      },
+      // Non-fatal -- Confirm still works from here (backend re-derives the same numbers on submit),
+      // only the numeric preview and its date-locking are unavailable, not the action itself.
+      error: () => {
+        this.renewalPreviewLoading = false;
+      }
+    });
 
     this.paymentForm.get('onAccountClosureId').valueChanges.subscribe((id: number) => this.onClosureTypeChange(id));
     // The cap depends on whether the chosen date is on or after maturity, so a date change can make an
@@ -176,13 +198,19 @@ export class PaymentDialogComponent implements OnInit {
     return this.data.dashboardRenewal?.row ?? null;
   }
 
-  /** What clicking Confirm is actually about to do -- shown above the (hidden-picker) date in this
-   *  mode, since the date itself is no longer visible to explain it. */
-  get dashboardRenewalTimingText(): string {
-    const row = this.dashboardRenewalRow;
-    if (!row) return '';
-    return row.withinGraceWindow
-      ? `Backdated to its original maturity date (${row.maturityDate}), at the currently active interest rate.`
+  /** True once the loaded preview confirms this FD has actually Matured -- which, since Payment is
+   *  only ever offered on a Matured account, is every real open of this dialog now, from either entry
+   *  point. Drives the date-locking and gap-interest preview/crediting identically either way. */
+  get isMaturedRenewal(): boolean {
+    return !!this.renewalPreview?.isMatured;
+  }
+
+  /** What clicking Confirm is actually about to do -- shown above the (hidden-picker) date once
+   *  matured, since the date itself is no longer visible to explain it. */
+  get maturedRenewalTimingText(): string {
+    if (!this.renewalPreview) return '';
+    return this.renewalPreview.withinGrace
+      ? `Backdated to its original maturity date (${this.renewalPreview.maturityDate}), at the currently active interest rate.`
       : `This FD's grace period has passed -- gap-period interest (for the days since maturity) will be ` +
           `credited at the linked account's rate first, then this renews from today.`;
   }

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

@@ -0,0 +1,194 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<div class="pcd">
+  <div class="pcd__header">
+    <div class="pcd__header-left">
+      <span class="pcd__header-ico"><fa-icon icon="times-circle"></fa-icon></span>
+      <div class="pcd__header-text">
+        <h2 class="pcd__title">{{ 'labels.heading.Premature Close' | translate }}</h2>
+        <p class="pcd__subtitle">
+          Close {{ data.accountNo ?? 'this account' }} before maturity -- interest is recalculated as of the date below,
+          usually at a lower, penalty rate.
+        </p>
+      </div>
+    </div>
+    <button type="button" class="pcd__header-close" mat-dialog-close [disabled]="submitting" title="Close">
+      <fa-icon icon="times"></fa-icon>
+    </button>
+  </div>
+
+  <div mat-dialog-content class="pcd__content">
+    @if (loadFailed) {
+      <div class="pcd__error" role="alert">
+        <fa-icon icon="times-circle" class="m-r-10"></fa-icon>
+        Could not calculate the premature-closure amount for this account. Close this dialog and try again.
+      </div>
+    } @else {
+      <form [formGroup]="prematureCloseForm">
+        <mat-form-field appearance="outline" class="pcd__date" (click)="closedOnDatePicker.open()">
+          <mat-label>{{ 'labels.inputs.Premature Close Date' | translate }}</mat-label>
+          <input
+            matInput
+            [min]="minDate"
+            [max]="maxDate"
+            [matDatepicker]="closedOnDatePicker"
+            required
+            formControlName="closedOnDate"
+          />
+          <mat-datepicker-toggle matSuffix [for]="closedOnDatePicker"></mat-datepicker-toggle>
+          <mat-datepicker #closedOnDatePicker></mat-datepicker>
+          @if (prematureCloseForm.controls.closedOnDate.hasError('required')) {
+            <mat-error>
+              {{ 'labels.inputs.Premature Close Date' | translate }} {{ 'labels.commons.is' | translate }}
+              <strong>{{ 'labels.commons.required' | translate }}</strong>
+            </mat-error>
+          }
+        </mat-form-field>
+
+        @if (loadingAmount) {
+          <div class="pcd__loading">
+            <mat-spinner diameter="28"></mat-spinner>
+            <span>Calculating premature-closure amount...</span>
+          </div>
+        } @else {
+          @if (maturityAmount !== null && maturityAmount !== undefined) {
+            <div class="pcd__preview">
+              @if (data.depositAmount) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Deposit Amount</span>
+                  <span class="pcd__preview-value">{{ data.depositAmount | formatNumber }}</span>
+                </div>
+              }
+              @if (data.nominalAnnualInterestRate) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Contracted Interest Rate</span>
+                  <span class="pcd__preview-value">{{ data.nominalAnnualInterestRate }}%</span>
+                </div>
+              }
+              @if (data.preClosurePenalApplicable) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label"
+                    >Pre-Closure Penalty (on {{ data.preClosurePenalInterestOnType?.value }})</span
+                  >
+                  <span class="pcd__preview-value">&minus; {{ data.preClosurePenalInterest }}%</span>
+                </div>
+              }
+              @if (interestEarned !== null) {
+                <div class="pcd__preview-row pcd__preview-row--highlight">
+                  <span class="pcd__preview-label"
+                    >Interest Earned (to {{ 'labels.inputs.Premature Close Date' | translate }})</span
+                  >
+                  <span class="pcd__preview-value">+ {{ interestEarned | formatNumber }}</span>
+                </div>
+              }
+              <div class="pcd__preview-row pcd__preview-row--total">
+                <span class="pcd__preview-label">{{ 'labels.inputs.Maturity Amount' | translate }}</span>
+                <span class="pcd__preview-value">{{ maturityAmount | formatNumber }}</span>
+              </div>
+            </div>
+          }
+
+          <div class="pcd__section-label" id="pcd-action-label">{{ 'labels.inputs.Action' | translate }}</div>
+          <div class="pcd__options" role="radiogroup" aria-labelledby="pcd-action-label">
+            @for (closureOption of onAccountClosureOptions; track closureOption) {
+              <button
+                type="button"
+                class="pcd__option"
+                role="radio"
+                [attr.aria-checked]="prematureCloseForm.get('onAccountClosureId').value === closureOption.id"
+                [class.pcd__option--active]="prematureCloseForm.get('onAccountClosureId').value === closureOption.id"
+                (click)="selectClosureType(closureOption.id)"
+              >
+                <span class="pcd__option-ico"><fa-icon [icon]="iconFor(closureOption.id)"></fa-icon></span>
+                <span class="pcd__option-text">
+                  <span class="pcd__option-title">{{ closureOption.value }}</span>
+                  <span class="pcd__option-desc">{{ descriptionFor(closureOption.id) }}</span>
+                </span>
+                @if (prematureCloseForm.get('onAccountClosureId').value === closureOption.id) {
+                  <fa-icon icon="check-circle" class="pcd__option-check"></fa-icon>
+                }
+              </button>
+            }
+          </div>
+          @if (
+            prematureCloseForm.controls.onAccountClosureId?.hasError('required') &&
+            prematureCloseForm.controls.onAccountClosureId?.touched
+          ) {
+            <div class="pcd__option-error">
+              {{ 'labels.inputs.Account action' | translate }} {{ 'labels.commons.is' | translate }}
+              {{ 'labels.commons.required' | translate }}
+            </div>
+          }
+
+          @if (noDestinationAccounts) {
+            <p class="pcd__hint pcd__hint--warn" role="alert">
+              <fa-icon icon="info-circle" class="m-r-5"></fa-icon>
+              This customer has no active savings account to transfer into. Open one first, or choose an action that
+              pays out in cash instead.
+            </p>
+          }
+
+          @if (prematureCloseForm.contains('toSavingsAccountId')) {
+            <mat-form-field appearance="outline">
+              <mat-label>{{ 'labels.inputs.Transfer to Savings' | translate }}</mat-label>
+              <mat-select required formControlName="toSavingsAccountId">
+                @for (account of savingsAccountsData; track account) {
+                  <mat-option [value]="account.id">
+                    {{ account.accountNo }}
+                  </mat-option>
+                }
+              </mat-select>
+              @if (prematureCloseForm.controls.toSavingsAccountId?.hasError('required')) {
+                <mat-error>
+                  {{ 'labels.inputs.Transfer to savings account' | translate }} {{ 'labels.commons.is' | translate }}
+                  <strong>{{ 'labels.commons.required' | translate }}</strong>
+                </mat-error>
+              }
+            </mat-form-field>
+          }
+
+          @if (prematureCloseForm.contains('transferDescription')) {
+            <mat-form-field appearance="outline">
+              <mat-label>{{ 'labels.inputs.Transfer Description' | translate }}</mat-label>
+              <input matInput formControlName="transferDescription" />
+            </mat-form-field>
+          }
+
+          @if (prematureCloseForm.contains('note')) {
+            <mat-form-field appearance="outline">
+              <mat-label>{{ 'labels.inputs.Note' | translate }}</mat-label>
+              <textarea matInput formControlName="note" cdkTextareaAutosize cdkAutosizeMinRows="2"></textarea>
+            </mat-form-field>
+          }
+        }
+
+        @if (submitError) {
+          <p class="pcd__error" role="alert">
+            <fa-icon icon="times-circle" class="m-r-5"></fa-icon>
+            {{ submitError }}
+          </p>
+        }
+      </form>
+    }
+  </div>
+
+  <div mat-dialog-actions align="end" class="pcd__actions">
+    <button mat-button mat-dialog-close [disabled]="submitting" class="pcd__btn-cancel">
+      {{ 'labels.buttons.Cancel' | translate }}
+    </button>
+    <button
+      mat-raised-button
+      class="pcd__btn-submit"
+      [disabled]="!prematureCloseForm?.valid || submitting || loadFailed || loadingAmount"
+      (click)="submit()"
+    >
+      {{ submitting ? ('labels.buttons.Processing' | translate) : ('labels.buttons.Confirm' | translate) }}
+    </button>
+  </div>
+</div>

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

@@ -0,0 +1,388 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+/**
+ * Premature Close Dialog Styles
+ * CBSNexora Core Banking System
+ *
+ * Same shape/spacing/typography as the Payment dialog (.pmt__*), in this Danger Zone action's own red
+ * accent on the header and Confirm button, rather than Payment's blue -- an irreversible, usually
+ * penalty-bearing action reads differently from a routine one, everywhere else stays identical so the
+ * two dialogs feel like the same product.
+ */
+
+.pcd {
+  display: flex;
+  flex-direction: column;
+  height: 100%;
+  max-height: 92vh;
+  box-sizing: border-box;
+  font-family:
+    'DM Sans',
+    system-ui,
+    -apple-system,
+    sans-serif;
+  color: #0f172a;
+  border-radius: 16px;
+  overflow: hidden;
+  box-shadow: 0 24px 48px -12px rgb(15 23 42 / 25%);
+}
+
+.pcd__header {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+  padding: 26px 30px;
+  background: linear-gradient(135deg, #7f1d1d 0%, #b91c1c 55%, #dc2626 100%);
+  color: #fff;
+  flex-shrink: 0;
+  position: relative;
+  overflow: hidden;
+
+  &::after {
+    content: '';
+    position: absolute;
+    inset: 0;
+    background: radial-gradient(circle at 88% -20%, rgb(255 255 255 / 22%), transparent 55%);
+    pointer-events: none;
+  }
+
+  &-left {
+    display: flex;
+    align-items: center;
+    gap: 16px;
+    position: relative;
+    z-index: 1;
+  }
+
+  &-ico {
+    width: 48px;
+    height: 48px;
+    border-radius: 14px;
+    background: rgb(255 255 255 / 16%);
+    border: 1px solid rgb(255 255 255 / 25%);
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 20px;
+    color: #fff;
+    flex-shrink: 0;
+  }
+
+  &-text {
+    display: flex;
+    flex-direction: column;
+  }
+
+  &-close {
+    position: relative;
+    z-index: 1;
+    background: rgb(255 255 255 / 14%);
+    border: none;
+    color: #fff;
+    width: 34px;
+    height: 34px;
+    border-radius: 50%;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    cursor: pointer;
+    transition: all 0.2s ease;
+    flex-shrink: 0;
+
+    &:hover:not(:disabled) {
+      background: rgb(255 255 255 / 28%);
+      transform: rotate(90deg);
+    }
+
+    &:disabled {
+      opacity: 0.5;
+      cursor: not-allowed;
+    }
+  }
+}
+
+.pcd__title {
+  margin: 0;
+  font-size: 20px;
+  font-weight: 800;
+  color: #fff;
+  line-height: 1.25;
+  letter-spacing: -0.01em;
+}
+
+.pcd__subtitle {
+  margin: 5px 0 0;
+  font-size: 13px;
+  color: rgb(255 255 255 / 88%);
+  line-height: 1.4;
+}
+
+.pcd__content {
+  padding: 26px 30px !important;
+  overflow-y: auto;
+  flex: 1 1 auto;
+  background: #fbfcfe;
+
+  mat-form-field {
+    width: 100%;
+  }
+}
+
+.pcd__loading {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  color: #64748b;
+  font-size: 13px;
+  padding: 14px 0 18px;
+}
+
+.pcd__preview {
+  display: flex;
+  flex-direction: column;
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 14px;
+  padding: 4px 18px;
+  margin: 0 0 18px;
+
+  &-row {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 12px;
+    padding: 11px 0;
+    border-bottom: 1px solid #f1f5f9;
+
+    &:last-child {
+      border-bottom: none;
+    }
+
+    &--highlight {
+      .pcd__preview-value {
+        color: #b91c1c;
+        font-weight: 800;
+      }
+    }
+
+    &--total {
+      margin: 0 -18px;
+      padding: 14px 18px;
+      background: linear-gradient(135deg, #fef2f2 0%, #fee2e2 100%);
+      border-bottom: none;
+      border-radius: 0 0 12px 12px;
+
+      .pcd__preview-label {
+        color: #b91c1c;
+        font-weight: 700;
+      }
+
+      .pcd__preview-value {
+        color: #0f172a;
+        font-size: 18px;
+        font-weight: 800;
+      }
+    }
+  }
+
+  &-label {
+    font-size: 12.5px;
+    color: #64748b;
+    font-weight: 600;
+  }
+
+  &-value {
+    font-family: 'JetBrains Mono', 'DM Sans', monospace;
+    font-size: 14px;
+    font-weight: 700;
+    color: #0f172a;
+  }
+}
+
+.pcd__section-label {
+  font-size: 12px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+  color: #475569;
+  margin: 10px 0 12px;
+}
+
+/* Action Options Grid - 2 Equal Columns */
+.pcd__options {
+  display: grid;
+  grid-template-columns: repeat(2, 1fr);
+  gap: 14px;
+  margin-bottom: 18px;
+
+  @media (width <= 560px) {
+    grid-template-columns: 1fr;
+  }
+}
+
+.pcd__option {
+  display: flex;
+  align-items: flex-start;
+  gap: 14px;
+  text-align: left;
+  background: #fff;
+  border: 1.5px solid #e2e8f0;
+  border-radius: 14px;
+  padding: 16px;
+  cursor: pointer;
+  font: inherit;
+  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
+  position: relative;
+
+  &:hover {
+    border-color: #fca5a5;
+    background: #f8fafc;
+    box-shadow: 0 6px 16px rgb(15 23 42 / 6%);
+    transform: translateY(-1px);
+  }
+
+  &--active {
+    border-color: #dc2626;
+    background: #fef2f2;
+    box-shadow: 0 0 0 1.5px #dc2626;
+
+    .pcd__option-ico {
+      background: #dc2626;
+      color: #fff;
+      border-color: #dc2626;
+    }
+  }
+
+  &-ico {
+    width: 38px;
+    height: 38px;
+    min-width: 38px;
+    border-radius: 10px;
+    background: #f1f5f9;
+    border: 1px solid #e2e8f0;
+    color: #dc2626;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    font-size: 15px;
+    flex-shrink: 0;
+    transition: all 0.2s ease;
+  }
+
+  &-text {
+    display: flex;
+    flex-direction: column;
+    gap: 4px;
+    flex: 1;
+  }
+
+  &-title {
+    font-size: 14px;
+    font-weight: 700;
+    color: #0f172a;
+    line-height: 1.3;
+  }
+
+  &-desc {
+    font-size: 12px;
+    color: #64748b;
+    line-height: 1.4;
+  }
+
+  &-check {
+    color: #dc2626;
+    font-size: 17px;
+    position: absolute;
+    top: 14px;
+    right: 14px;
+  }
+}
+
+.pcd__option-error {
+  color: #b91c1c;
+  font-size: 12px;
+  font-weight: 600;
+  margin: -10px 0 14px;
+}
+
+.pcd__hint {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #f0f9ff;
+  border: 1px solid #bae6fd;
+  border-left: 4px solid #0284c7;
+  border-radius: 10px;
+  color: #0369a1;
+  font-size: 13px;
+  line-height: 1.5;
+  padding: 12px 16px;
+  margin: 0 0 18px;
+
+  &--warn {
+    background: #fffbeb;
+    border-color: #fde68a;
+    border-left-color: #d97706;
+    color: #b45309;
+  }
+}
+
+.pcd__error {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #fef2f2;
+  border: 1px solid #fecaca;
+  border-left: 4px solid #ef4444;
+  border-radius: 10px;
+  color: #b91c1c;
+  font-size: 13px;
+  padding: 12px 16px;
+  margin: 10px 0;
+}
+
+.pcd__actions {
+  padding: 18px 30px !important;
+  border-top: 1px solid #e2e8f0;
+  background: #fff;
+  display: flex;
+  align-items: center;
+  justify-content: flex-end;
+  gap: 14px;
+  flex-shrink: 0;
+
+  .pcd__btn-cancel {
+    border-radius: 10px;
+    font-weight: 600;
+    color: #475569;
+  }
+
+  .pcd__btn-submit {
+    border-radius: 10px;
+    font-weight: 700;
+    padding: 0 26px;
+    height: 42px;
+    background: linear-gradient(135deg, #b91c1c 0%, #dc2626 100%);
+    color: #fff;
+    box-shadow: 0 8px 20px rgb(220 38 38 / 30%);
+    transition: all 0.2s ease;
+
+    &:hover:not(:disabled) {
+      box-shadow: 0 10px 24px rgb(220 38 38 / 40%);
+      transform: translateY(-1px);
+    }
+
+    &:disabled {
+      background: #cbd5e1;
+      box-shadow: none;
+      color: #64748b;
+    }
+  }
+}

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

@@ -0,0 +1,218 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+/** Angular Imports */
+import { Component, OnInit, inject } from '@angular/core';
+import {
+  MAT_DIALOG_DATA,
+  MatDialogRef,
+  MatDialogContent,
+  MatDialogActions,
+  MatDialogClose
+} from '@angular/material/dialog';
+import { CdkScrollable } from '@angular/cdk/scrolling';
+import { CdkTextareaAutosize } from '@angular/cdk/text-field';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { UntypedFormBuilder, UntypedFormGroup, UntypedFormControl, Validators } from '@angular/forms';
+
+/** Custom Services */
+import { FixedDepositsService } from '../../../fixed-deposits.service';
+import { SettingsService } from 'app/settings/settings.service';
+import { Dates } from 'app/core/utils/dates';
+import { FormatNumberPipe } from '../../../../../pipes/format-number.pipe';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+
+/**
+ * "Premature Close" dialog -- Active-only, no reinvest option (the deposit hasn't matured, so there's
+ * nothing to renew): pay out in cash, or transfer the pre-maturity balance to a savings account. Same
+ * `.pcd__*` visual language as the Payment dialog ({@link PaymentDialogComponent}), in this Danger Zone
+ * action's own red accent rather than Payment's blue, since it's an irreversible, usually
+ * penalty-bearing action rather than a routine one.
+ * <p>
+ * The premature amount is date-dependent (unlike Payment's one-shot template load): every change to
+ * Closed On Date re-calls `calculatePrematureAmount`, same as the full-page form this replaces did.
+ */
+@Component({
+  selector: 'mifosx-premature-close-dialog',
+  templateUrl: './premature-close-dialog.component.html',
+  styleUrls: ['./premature-close-dialog.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    CdkScrollable,
+    MatDialogContent,
+    MatDialogActions,
+    MatDialogClose,
+    CdkTextareaAutosize,
+    FaIconComponent,
+    FormatNumberPipe
+  ]
+})
+export class PrematureCloseDialogComponent implements OnInit {
+  /** The `onAccountClosureId` codes Premature Close can offer -- same codes Payment/Close use. */
+  private static readonly WITHDRAW_DEPOSIT_ID = 100;
+  private static readonly TRANSFER_TO_SAVINGS_ID = 200;
+
+  private static readonly ACTION_ICONS: Record<number, string> = {
+    [PrematureCloseDialogComponent.WITHDRAW_DEPOSIT_ID]: 'money-bill-wave',
+    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'wallet'
+  };
+
+  private static readonly ACTION_DESCRIPTIONS: Record<number, string> = {
+    [PrematureCloseDialogComponent.WITHDRAW_DEPOSIT_ID]: 'Pay out the full balance in cash',
+    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'Move the full balance to another savings account'
+  };
+
+  dialogRef = inject<MatDialogRef<PrematureCloseDialogComponent>>(MatDialogRef);
+  data: {
+    accountId: number | string;
+    accountNo?: string;
+    depositAmount?: number;
+    nominalAnnualInterestRate?: number;
+    preClosurePenalApplicable?: boolean;
+    preClosurePenalInterest?: number;
+    preClosurePenalInterestOnType?: { value: string };
+  } = inject(MAT_DIALOG_DATA);
+  private formBuilder = inject(UntypedFormBuilder);
+  private fixedDepositsService = inject(FixedDepositsService);
+  private settingsService = inject(SettingsService);
+  private dateUtils = inject(Dates);
+
+  prematureCloseForm: UntypedFormGroup;
+  onAccountClosureOptions: any[] = [];
+  savingsAccountsData: any[] = [];
+  maturityAmount: number = null;
+  loadingAmount = true;
+  loadFailed = false;
+  submitting = false;
+  submitError: string = null;
+  minDate = new Date(2000, 0, 1);
+  maxDate: Date;
+
+  ngOnInit(): void {
+    this.maxDate = this.settingsService.businessDate;
+    this.prematureCloseForm = this.formBuilder.group({
+      closedOnDate: [
+        this.maxDate,
+        Validators.required
+      ]
+    });
+
+    this.prematureCloseForm
+      .get('closedOnDate')
+      .valueChanges.subscribe((date: Date) => this.calculatePrematureAmount(date));
+    // Same date the form already starts with -- without this the amount/options never load unless the
+    // maker happens to touch the date picker, which the full-page form this replaces required too.
+    this.calculatePrematureAmount(this.maxDate);
+  }
+
+  private calculatePrematureAmount(date: Date): void {
+    this.loadingAmount = true;
+    this.loadFailed = false;
+    const locale = this.settingsService.language.code;
+    const dateFormat = this.settingsService.dateFormat;
+    const data = {
+      closedOnDate: this.dateUtils.formatDate(date, dateFormat),
+      dateFormat,
+      locale
+    };
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.data.accountId as string, 'calculatePrematureAmount', data)
+      .subscribe({
+        next: (response: any) => {
+          this.savingsAccountsData = response.savingsAccounts ?? [];
+          this.onAccountClosureOptions = response.onAccountClosureOptions ?? [];
+          this.maturityAmount = response.maturityAmount;
+          this.loadingAmount = false;
+          if (!this.prematureCloseForm.contains('onAccountClosureId')) {
+            this.prematureCloseForm.addControl('onAccountClosureId', new UntypedFormControl('', Validators.required));
+            this.prematureCloseForm.addControl('note', new UntypedFormControl(''));
+            this.prematureCloseForm
+              .get('onAccountClosureId')
+              .valueChanges.subscribe((id: number) => this.onClosureTypeChange(id));
+          }
+        },
+        // Without this the spinner would run forever on a failed load, leaving Cancel as the only way out.
+        error: () => {
+          this.loadingAmount = false;
+          this.loadFailed = true;
+        }
+      });
+  }
+
+  /** Adds/removes the destination-account control to match what the chosen type needs. */
+  private onClosureTypeChange(id: number): void {
+    if (id === PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID) {
+      if (!this.prematureCloseForm.contains('toSavingsAccountId')) {
+        this.prematureCloseForm.addControl('toSavingsAccountId', new UntypedFormControl('', Validators.required));
+        this.prematureCloseForm.addControl('transferDescription', new UntypedFormControl(''));
+      }
+    } else {
+      this.prematureCloseForm.removeControl('toSavingsAccountId');
+      this.prematureCloseForm.removeControl('transferDescription');
+    }
+  }
+
+  /** The gap between the deposit and the computed maturity amount -- the actual interest this premature
+   *  closure earns, at whatever rate (contracted, or the lower pre-closure-penalty one below) applied. */
+  get interestEarned(): number | null {
+    if (this.maturityAmount === null || this.maturityAmount === undefined || !this.data.depositAmount) {
+      return null;
+    }
+    return Number(this.maturityAmount) - Number(this.data.depositAmount);
+  }
+
+  /** True when the chosen action needs a destination account but the customer has none to pick. */
+  get noDestinationAccounts(): boolean {
+    return (
+      !this.loadingAmount &&
+      this.prematureCloseForm?.contains('toSavingsAccountId') &&
+      this.savingsAccountsData.length === 0
+    );
+  }
+
+  iconFor(id: number): string {
+    return PrematureCloseDialogComponent.ACTION_ICONS[id] ?? 'circle';
+  }
+
+  descriptionFor(id: number): string {
+    return PrematureCloseDialogComponent.ACTION_DESCRIPTIONS[id] ?? '';
+  }
+
+  selectClosureType(id: number): void {
+    this.prematureCloseForm.get('onAccountClosureId').setValue(id);
+    this.prematureCloseForm.get('onAccountClosureId').markAsTouched();
+  }
+
+  submit(): void {
+    const formValue = { ...this.prematureCloseForm.value };
+    const locale = this.settingsService.language.code;
+    const dateFormat = this.settingsService.dateFormat;
+    if (formValue.closedOnDate instanceof Date) {
+      formValue.closedOnDate = this.dateUtils.formatDate(formValue.closedOnDate, dateFormat);
+    }
+    const data = { ...formValue, dateFormat, locale };
+    this.submitting = true;
+    this.submitError = null;
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.data.accountId as string, 'prematureClose', data)
+      .subscribe({
+        next: () => {
+          this.dialogRef.close({ confirm: true });
+        },
+        // Keep the dialog open with the entered values and say what went wrong, rather than leaving a
+        // permanently disabled Confirm behind whatever modal the global interceptor threw up.
+        error: (error: any) => {
+          this.submitting = false;
+          this.submitError =
+            error?.error?.defaultUserMessage ??
+            error?.error?.errors?.[0]?.defaultUserMessage ??
+            'This account could not be prematurely closed. Please review the details and try again.';
+        }
+      });
+  }
+}

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

@@ -17,6 +17,7 @@ import { CalculateInterestDialogComponent } from './custom-dialogs/calculate-int
 import { PostInterestDialogComponent } from './custom-dialogs/post-interest-dialog/post-interest-dialog.component';
 import { ToggleWithholdTaxDialogComponent } from './custom-dialogs/toggle-withhold-tax-dialog/toggle-withhold-tax-dialog.component';
 import { PaymentDialogComponent } from './custom-dialogs/payment-dialog/payment-dialog.component';
+import { PrematureCloseDialogComponent } from './custom-dialogs/premature-close-dialog/premature-close-dialog.component';
 import { DepositCertificateDialogComponent } from 'app/shared/deposit-certificate-dialog/deposit-certificate-dialog.component';
 
 /** Custom Button Config. */
@@ -238,7 +239,6 @@ export class FixedDepositAccountViewComponent implements OnInit {
       case 'Undo Activation':
       case 'Add Charge':
       case 'Withdrawn by Client':
-      case 'Premature Close':
       case 'Deposit':
       case 'Withdrawal':
         this.router.navigate([`actions/${name}`], { relativeTo: this.route });
@@ -267,12 +267,17 @@ export class FixedDepositAccountViewComponent implements OnInit {
       case 'Payment':
         this.openPaymentDialog();
         break;
+      case 'Premature Close':
+        this.openPrematureCloseDialog();
+        break;
     }
   }
 
   /**
-   * Opens the Payment action -- unlike Premature Close/Close, works whether the account is Active or
-   * Matured, and is the only place a Partial Reinvest can be done.
+   * Opens the Payment action -- only offered once the FD has actually Matured (see
+   * FixedDepositsButtonsConfiguration), and the only place a Partial Reinvest can be done. Also the
+   * exact same dialog the FD Dashboard's Renew action opens (see fd-dashboard.component.ts's
+   * openRenewDialog), just without dashboardRenewal data, so its date picker stays visible.
    */
   private openPaymentDialog(): void {
     const paymentDialogRef = this.dialog.open(PaymentDialogComponent, {
@@ -293,6 +298,34 @@ export class FixedDepositAccountViewComponent implements OnInit {
     });
   }
 
+  /**
+   * Opens the Premature Close action -- Active-only, no reinvest option, since the deposit hasn't
+   * matured yet.
+   */
+  private openPrematureCloseDialog(): void {
+    const prematureCloseDialogRef = this.dialog.open(PrematureCloseDialogComponent, {
+      width: '720px',
+      maxWidth: '95vw',
+      data: {
+        accountId: this.fixedDepositsAccountData.id,
+        accountNo: this.fixedDepositsAccountData.fdAccountNumber || this.fixedDepositsAccountData.accountNo,
+        // calculatePrematureAmount only ever returns the final maturityAmount, not how it was reached --
+        // these come from the account's own data (already loaded for this page) so the dialog can show
+        // the breakdown (deposit, contracted rate, penalty, interest earned) behind that one number.
+        depositAmount: this.fixedDepositsAccountData.depositAmount,
+        nominalAnnualInterestRate: this.fixedDepositsAccountData.nominalAnnualInterestRate,
+        preClosurePenalApplicable: this.fixedDepositsAccountData.preClosurePenalApplicable,
+        preClosurePenalInterest: this.fixedDepositsAccountData.preClosurePenalInterest,
+        preClosurePenalInterestOnType: this.fixedDepositsAccountData.preClosurePenalInterestOnType
+      }
+    });
+    prematureCloseDialogRef.afterClosed().subscribe((response: any) => {
+      if (response?.confirm) {
+        this.reload();
+      }
+    });
+  }
+
   /**
    * Deletes Fixed Deposits Account.
    */

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

@@ -110,7 +110,18 @@ export class FixedDepositsButtonsConfiguration {
   setOptions(status: string) {
     switch (status) {
       case 'Active':
+        this.optionArray = [
+          {
+            name: 'Post Interest'
+          },
+          {
+            name: 'Add Charge'
+          }
+        ];
+        break;
       case 'Matured':
+        // Payment only makes sense once the deposit has actually matured -- an Active FD that needs
+        // closing early already has Premature Close for that.
         this.optionArray = [
           {
             name: 'Post Interest'

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

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

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

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

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

@@ -1,105 +0,0 @@
-<!--
-  Copyright since 2025 Mifos Initiative
-
-  This Source Code Form is subject to the terms of the Mozilla Public
-  License, v. 2.0. If a copy of the MPL was not distributed with this
-  file, You can obtain one at http://mozilla.org/MPL/2.0/.
--->
-
-<div class="container">
-  <mat-card>
-    <form [formGroup]="prematureCloseAccountForm" (ngSubmit)="submit()">
-      <mat-card-content>
-        <div class="layout-column">
-          <mat-form-field (click)="closedOnDatePicker.open()">
-            <mat-label>{{ 'labels.inputs.Premature Close Date' | translate }}</mat-label>
-            <input
-              matInput
-              [min]="minDate"
-              [max]="maxDate"
-              [matDatepicker]="closedOnDatePicker"
-              required
-              formControlName="closedOnDate"
-            />
-            <mat-datepicker-toggle matSuffix [for]="closedOnDatePicker"></mat-datepicker-toggle>
-            <mat-datepicker #closedOnDatePicker></mat-datepicker>
-            @if (prematureCloseAccountForm.controls.closedOnDate.hasError('required')) {
-              <mat-error>
-                {{ 'labels.inputs.Premature Close Date' | translate }} {{ 'labels.commons.is' | translate }}
-                <strong>{{ 'labels.commons.required' | translate }}</strong>
-              </mat-error>
-            }
-          </mat-form-field>
-
-          @if (prematureCloseAccountForm.controls.maturityAmount) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Maturity Amount' | translate }}</mat-label>
-              <input type="number" matInput formControlName="maturityAmount" />
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('onAccountClosureId')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Action' | translate }}</mat-label>
-              <mat-select required formControlName="onAccountClosureId">
-                @for (closureOption of onAccountClosureOptions; track closureOption) {
-                  <mat-option [value]="closureOption.id">
-                    {{ closureOption.value }}
-                  </mat-option>
-                }
-              </mat-select>
-              @if (prematureCloseAccountForm.controls.onAccountClosureId.hasError('required')) {
-                <mat-error>
-                  {{ 'labels.inputs.Account action' | translate }} {{ 'labels.commons.is' | translate }}
-                  <strong>{{ 'labels.commons.required' | translate }}</strong>
-                </mat-error>
-              }
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('toSavingsAccountId')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Transfer to Savings' | translate }}</mat-label>
-              <mat-select required formControlName="toSavingsAccountId">
-                @for (account of savingsAccountsData; track account) {
-                  <mat-option [value]="account.id">
-                    {{ account.accountNo }}
-                  </mat-option>
-                }
-              </mat-select>
-              @if (prematureCloseAccountForm.controls.toSavingsAccountId.hasError('required')) {
-                <mat-error>
-                  {{ 'labels.inputs.Transfer to savings account' | translate }} {{ 'labels.commons.is' | translate }}
-                  <strong>{{ 'labels.commons.required' | translate }}</strong>
-                </mat-error>
-              }
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('transferDescription')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Transfer Description' | translate }}</mat-label>
-              <input matInput formControlName="transferDescription" />
-            </mat-form-field>
-          }
-
-          @if (prematureCloseAccountForm.contains('note')) {
-            <mat-form-field>
-              <mat-label>{{ 'labels.inputs.Note' | translate }}</mat-label>
-              <textarea matInput formControlName="note" cdkTextareaAutosize cdkAutosizeMinRows="2"></textarea>
-            </mat-form-field>
-          }
-        </div>
-      </mat-card-content>
-
-      <mat-card-actions class="layout-row align-center gap-5px responsive-column">
-        <button type="button" mat-raised-button [routerLink]="['../../']">
-          {{ 'labels.buttons.Cancel' | translate }}
-        </button>
-        <button mat-raised-button color="warn" [disabled]="!prematureCloseAccountForm.valid">
-          {{ 'labels.buttons.Confirm' | translate }}
-        </button>
-      </mat-card-actions>
-    </form>
-  </mat-card>
-</div>

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

@@ -1,11 +0,0 @@
-/**
- * Copyright since 2025 Mifos Initiative
- *
- * This Source Code Form is subject to the terms of the Mozilla Public
- * License, v. 2.0. If a copy of the MPL was not distributed with this
- * file, You can obtain one at http://mozilla.org/MPL/2.0/.
- */
-
-.container {
-  max-width: 37rem;
-}

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

@@ -1,179 +0,0 @@
-/**
- * Copyright since 2025 Mifos Initiative
- *
- * This Source Code Form is subject to the terms of the Mozilla Public
- * License, v. 2.0. If a copy of the MPL was not distributed with this
- * file, You can obtain one at http://mozilla.org/MPL/2.0/.
- */
-
-/** Angular Imports */
-import { Component, OnInit, inject } from '@angular/core';
-import {
-  UntypedFormGroup,
-  UntypedFormBuilder,
-  Validators,
-  UntypedFormControl,
-  ReactiveFormsModule
-} from '@angular/forms';
-import { ActivatedRoute, Router, RouterLink } from '@angular/router';
-
-/** Custom Services */
-import { FixedDepositsService } from '../../fixed-deposits.service';
-import { SettingsService } from 'app/settings/settings.service';
-import { Dates } from 'app/core/utils/dates';
-import { CdkTextareaAutosize } from '@angular/cdk/text-field';
-import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
-
-/**
- * Premature Close Fixed Deposits Account Component
- */
-@Component({
-  selector: 'mifosx-premature-close-fixed-deposits-account',
-  templateUrl: './premature-close-fixed-deposits-account.component.html',
-  styleUrls: ['./premature-close-fixed-deposits-account.component.scss'],
-  imports: [
-    ...STANDALONE_SHARED_IMPORTS,
-    CdkTextareaAutosize
-  ]
-})
-export class PrematureCloseFixedDepositsAccountComponent implements OnInit {
-  private formBuilder = inject(UntypedFormBuilder);
-  private fixedDepositsService = inject(FixedDepositsService);
-  private dateUtils = inject(Dates);
-  private route = inject(ActivatedRoute);
-  private router = inject(Router);
-  private settingsService = inject(SettingsService);
-
-  /** Minimum date allowed. */
-  minDate = new Date(2000, 0, 1);
-  /** Maximum date allowed. */
-  maxDate = new Date();
-  /** Premature Close FD Account form. */
-  prematureCloseAccountForm: UntypedFormGroup;
-  /** Savings Account Data */
-  savingsAccountsData: any;
-  /** On account Closure Options */
-  onAccountClosureOptions: any;
-  /** Fixed Deposits Account Id */
-  accountId: any;
-  /** Form submission event */
-  isSubmitted = false;
-
-  /**
-   * @param {FormBuilder} formBuilder Form Builder
-   * @param {FixedDepositsService} fixedDepositsService Fixed Deposits Service
-   * @param {Dates} dateUtils Date Utils
-   * @param {ActivatedRoute} route Activated Route
-   * @param {Router} router Router
-   * @param {SettingsService} settingsService Settings Service
-   */
-  constructor() {
-    this.accountId = this.route.parent.snapshot.params['fixedDepositAccountId'];
-  }
-
-  /**
-   * Creates the premature close fd account form.
-   */
-  ngOnInit() {
-    this.maxDate = this.settingsService.businessDate;
-    this.createPrematureCloseAccountForm();
-    this.buildDependencies();
-  }
-
-  /**
-   * Creates the premature close fd account form.
-   */
-  createPrematureCloseAccountForm() {
-    this.prematureCloseAccountForm = this.formBuilder.group({
-      closedOnDate: [
-        '',
-        Validators.required
-      ]
-    });
-  }
-
-  /**
-   * Subscribes to value changes of parent control.
-   */
-  buildDependencies() {
-    this.prematureCloseAccountForm.get('closedOnDate').valueChanges.subscribe((value: Date) => {
-      if (!this.isSubmitted) {
-        this.calculatePrematureAmount(value);
-      }
-    });
-  }
-
-  /**
-   * Calculates prematue amount based on closed on date.
-   * @param {Date} date Premature Close Date
-   */
-  calculatePrematureAmount(date: Date) {
-    const locale = this.settingsService.language.code;
-    const dateFormat = this.settingsService.dateFormat;
-    const data = {
-      closedOnDate: this.dateUtils.formatDate(date, dateFormat),
-      dateFormat,
-      locale
-    };
-    this.fixedDepositsService
-      .executeFixedDepositsAccountCommand(this.accountId, 'calculatePrematureAmount', data)
-      .subscribe((response: any) => {
-        this.savingsAccountsData = response.savingsAccounts;
-        this.onAccountClosureOptions = response.onAccountClosureOptions;
-        this.prematureCloseAccountForm.addControl(
-          'maturityAmount',
-          new UntypedFormControl({ value: '', disabled: true })
-        );
-        this.prematureCloseAccountForm.addControl(
-          'onAccountClosureId',
-          new UntypedFormControl('', Validators.required)
-        );
-        this.prematureCloseAccountForm.addControl('note', new UntypedFormControl(''));
-        this.prematureCloseAccountForm.get('maturityAmount').patchValue(response.maturityAmount);
-        this.addTransferDetails();
-      });
-  }
-
-  /**
-   * Subscribes to value changes of `onAccountClosureId` adds and removes transfer details accordingly.
-   */
-  addTransferDetails() {
-    this.prematureCloseAccountForm.get('onAccountClosureId').valueChanges.subscribe((id: any) => {
-      if (id === 200) {
-        this.prematureCloseAccountForm.addControl(
-          'toSavingsAccountId',
-          new UntypedFormControl('', Validators.required)
-        );
-        this.prematureCloseAccountForm.addControl('transferDescription', new UntypedFormControl(''));
-      } else {
-        this.prematureCloseAccountForm.removeControl('toSavingsAccountId');
-        this.prematureCloseAccountForm.removeControl('transferDescription');
-      }
-    });
-  }
-
-  /**
-   * Submits the form and premature closes the fd account,
-   * if successful redirects to the fd account.
-   */
-  submit() {
-    const prematureCloseAccountFormData = this.prematureCloseAccountForm.value;
-    this.isSubmitted = true;
-    const locale = this.settingsService.language.code;
-    const dateFormat = this.settingsService.dateFormat;
-    const prevClosedDate: Date = this.prematureCloseAccountForm.value.closedOnDate;
-    if (prematureCloseAccountFormData.closedOnDate instanceof Date) {
-      prematureCloseAccountFormData.closedOnDate = this.dateUtils.formatDate(prevClosedDate, dateFormat);
-    }
-    const data = {
-      ...prematureCloseAccountFormData,
-      dateFormat,
-      locale
-    };
-    this.fixedDepositsService
-      .executeFixedDepositsAccountCommand(this.accountId, 'prematureClose', data)
-      .subscribe(() => {
-        this.router.navigate(['../../'], { relativeTo: this.route });
-      });
-  }
-}

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

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

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

@@ -174,6 +174,13 @@ export class FixedDepositsService {
     return this.http.post(`/fixeddepositaccounts/${accountId}/credit-gap-interest`, {});
   }
 
+  /** Read-only -- what a Renew is about to do (current balance, linked account's rate, gap days,
+   *  gap-interest amount, projected new balance), shown in the Payment dialog before anything is
+   *  confirmed. Posts nothing; safe to call as often as the dialog needs. */
+  getFdRenewalPreview(accountId: string | number): Observable<any> {
+    return this.http.get(`/fixeddepositaccounts/${accountId}/renewal-preview`);
+  }
+
   /**
    * @param fixedDepositAccount Fixed Deposit Account
    * @returns {Observable<any>}

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

@@ -0,0 +1,71 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+/**
+ * Test-only TDS configuration. The application reads these figures from Organization › TDS
+ * Configuration; the specs install this copy of the seeded values so they run without a backend.
+ */
+
+import { FyTaxConfig, setFyTaxConfigs } from './tds-15gh.compute';
+
+export const TDS_CONFIG_FIXTURE: FyTaxConfig[] = [
+  {
+    fy: '2025-26',
+    regime: 'ITA_1961',
+    interestTdsSection: 'section 194A',
+    thresholdSection: 'section 194A(3)(i)',
+    noPanSection: 'section 206AA',
+    defaultSection: 'section 201(1A)',
+    declarationForm: '15G',
+    declarationRule: 'Rule 29C',
+    declarationSection: 'section 197A',
+    tdsStatementForm: 'Form 26Q',
+    tdsStatementRule: 'Rule 31A',
+    certificateForm: 'Form 16A',
+    declarationStatementFrequency: 'QUARTERLY',
+    declarationStatementDueDay: 15,
+    thresholdGeneral: 50_000,
+    thresholdSenior: 100_000,
+    rate: 0.1,
+    rateNoPan: 0.2,
+    basicExemption: 400_000,
+    nilTaxCeiling: 1_200_000,
+    roundTo: 1,
+    lateDeductionRate: 0.01,
+    lateDepositRate: 0.015
+  },
+  {
+    fy: '2026-27',
+    regime: 'ITA_2025',
+    interestTdsSection: 'section 393(1) [Table Sl. 5(ii)/(iii)]',
+    thresholdSection: 'section 393(4) [Table Sl. 7]',
+    noPanSection: 'section 397(2)',
+    defaultSection: 'section 398',
+    declarationForm: '121',
+    declarationRule: 'Rule 211 of the Income-tax Rules, 2026',
+    declarationSection: 'section 393(6)',
+    tdsStatementForm: 'Form 140',
+    tdsStatementRule: 'Rule 219 of the Income-tax Rules, 2026',
+    certificateForm: 'Form 131',
+    declarationStatementFrequency: 'MONTHLY',
+    declarationStatementDueDay: 7,
+    thresholdGeneral: 50_000,
+    thresholdSenior: 100_000,
+    rate: 0.1,
+    rateNoPan: 0.2,
+    basicExemption: 400_000,
+    nilTaxCeiling: 1_200_000,
+    roundTo: 1,
+    lateDeductionRate: 0.01,
+    lateDepositRate: 0.015
+  }
+];
+
+export function installTdsConfigFixture(): void {
+  setFyTaxConfigs(TDS_CONFIG_FIXTURE);
+}

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

@@ -0,0 +1,150 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Injectable, inject } from '@angular/core';
+import { HttpClient } from '@angular/common/http';
+import { ResolveFn } from '@angular/router';
+import { Observable, catchError, map, of, tap } from 'rxjs';
+
+import { FyTaxConfig, setFyTaxConfigs } from './tds-15gh.compute';
+
+/** One financial year as the platform stores it — percentages as entered, e.g. 10 for 10%. */
+export interface TdsFyConfigRecord {
+  id?: number;
+  fy: string;
+  regime: string;
+  interestTdsSection: string | null;
+  thresholdSection: string | null;
+  noPanSection: string | null;
+  defaultSection: string | null;
+  declarationForm: string;
+  declarationRule: string | null;
+  declarationSection: string | null;
+  tdsStatementForm: string | null;
+  tdsStatementRule: string | null;
+  certificateForm: string | null;
+  declarationStatementFrequency: string;
+  declarationStatementDueDay: number;
+  thresholdGeneral: number;
+  thresholdSenior: number;
+  ratePanPercentage: number;
+  rateNoPanPercentage: number;
+  basicExemption: number;
+  nilTaxCeiling: number;
+  roundTo: number;
+  lateDeductionPercentage: number;
+  lateDepositPercentage: number;
+  seedDefault?: boolean;
+  updatedOn?: string | null;
+}
+
+export interface TdsGlRole {
+  configKey: string;
+  label: string;
+  description: string;
+  glAccountId: number | null;
+  glCode: string | null;
+  glAccountName: string | null;
+}
+
+export interface TdsConfigResponse {
+  years: TdsFyConfigRecord[];
+  glRoles: TdsGlRole[];
+}
+
+/**
+ * The single source of TDS thresholds, rates and statutory references.
+ *
+ * Every TDS screen computes from `FY_TAX_CONFIG`, and this service is the only thing that fills it.
+ * Saves go through here too, so the registry is refreshed the moment an administrator changes a
+ * figure and no open screen keeps computing on the old one.
+ */
+@Injectable({ providedIn: 'root' })
+export class TdsConfigService {
+  private http = inject(HttpClient);
+
+  private last: TdsConfigResponse | null = null;
+
+  /** The GL roles as last loaded. */
+  get glRoles(): TdsGlRole[] {
+    return this.last?.glRoles ?? [];
+  }
+
+  /** Reads the configuration and installs it into the engine. */
+  load(): Observable<TdsConfigResponse> {
+    return this.http.get<TdsConfigResponse>('/tdsconfig').pipe(tap((res) => this.install(res)));
+  }
+
+  /** For route resolvers: never blocks navigation, the screen reports a missing year itself. */
+  ensureLoaded(): Observable<boolean> {
+    return this.load().pipe(
+      map(() => true),
+      catchError(() => {
+        setFyTaxConfigs([]);
+        return of(false);
+      })
+    );
+  }
+
+  template(): Observable<any> {
+    return this.http.get('/tdsconfig/template');
+  }
+
+  saveYear(record: TdsFyConfigRecord): Observable<TdsConfigResponse> {
+    return this.http
+      .put<TdsConfigResponse>(`/tdsconfig/year/${record.fy}`, record)
+      .pipe(tap((res) => this.install(res)));
+  }
+
+  deleteYear(fy: string): Observable<TdsConfigResponse> {
+    return this.http.delete<TdsConfigResponse>(`/tdsconfig/year/${fy}`).pipe(tap((res) => this.install(res)));
+  }
+
+  saveGl(configKey: string, glAccountId: number | null): Observable<TdsConfigResponse> {
+    return this.http
+      .put<TdsConfigResponse>(`/tdsconfig/gl/${configKey}`, { glAccountId })
+      .pipe(tap((res) => this.install(res)));
+  }
+
+  private install(res: TdsConfigResponse): void {
+    this.last = res;
+    setFyTaxConfigs((res?.years || []).map(toFyTaxConfig));
+  }
+}
+
+/** Stored percentages become the fractions the engine multiplies by. */
+export function toFyTaxConfig(r: TdsFyConfigRecord): FyTaxConfig {
+  return {
+    fy: r.fy,
+    regime: r.regime as FyTaxConfig['regime'],
+    interestTdsSection: r.interestTdsSection ?? '—',
+    thresholdSection: r.thresholdSection ?? '—',
+    noPanSection: r.noPanSection ?? '—',
+    defaultSection: r.defaultSection ?? '—',
+    declarationForm: r.declarationForm as FyTaxConfig['declarationForm'],
+    declarationRule: r.declarationRule ?? '—',
+    declarationSection: r.declarationSection ?? '—',
+    tdsStatementForm: r.tdsStatementForm ?? '—',
+    tdsStatementRule: r.tdsStatementRule ?? '—',
+    certificateForm: r.certificateForm ?? '—',
+    declarationStatementFrequency: r.declarationStatementFrequency === 'MONTHLY' ? 'MONTHLY' : 'QUARTERLY',
+    declarationStatementDueDay: Number(r.declarationStatementDueDay),
+    thresholdGeneral: Number(r.thresholdGeneral),
+    thresholdSenior: Number(r.thresholdSenior),
+    rate: Number(r.ratePanPercentage) / 100,
+    rateNoPan: Number(r.rateNoPanPercentage) / 100,
+    basicExemption: Number(r.basicExemption),
+    nilTaxCeiling: Number(r.nilTaxCeiling),
+    roundTo: Number(r.roundTo) || 1,
+    lateDeductionRate: Number(r.lateDeductionPercentage) / 100,
+    lateDepositRate: Number(r.lateDepositPercentage) / 100
+  };
+}
+
+/** Put on every route whose screen computes TDS, so the figures are in place before it builds. */
+export const tdsConfigResolver: ResolveFn<boolean> = () => inject(TdsConfigService).ensureLoaded();

src/app/letter-mgmt/letter-mgmt-routing.module.ts

@@ -16,6 +16,7 @@ import { ShareCertificateComponent } from './certificates/share-certificate/shar
 import { BalanceCertificateComponent } from './certificates/balance-certificate/balance-certificate.component';
 import { Form60Component } from './certificates/form-60/form-60.component';
 import { Form15ghComponent } from './certificates/form-15gh/form-15gh.component';
+import { tdsConfigResolver } from './certificates/form-15gh/tds-config.service';
 import { HypothecationCertificateComponent } from './certificates/hypothecation/hypothecation.component';
 import { NocCertificateComponent } from './certificates/noc/noc.component';
 import { DatabaseExportComponent } from './database-export/database-export.component';
@@ -68,6 +69,7 @@ const routes: Routes = [
     {
       path: 'letter-mgmt/form-15gh',
       component: Form15ghComponent,
+      resolve: { tdsConfig: tdsConfigResolver },
       data: { title: 'Form 121', breadcrumb: 'Form 121' }
     },
     {

src/app/login/login.component.ts

@@ -438,7 +438,7 @@ export class LoginComponent implements OnInit, OnDestroy {
       .split(',')
       .map((id) => id.trim())
       .filter((id) => id.length > 0);
-    if (tenantIds.length === 0 || (tenantIds.length === 1 && tenantIds[0] === 'default')) {
+    if (tenantIds.length === 0) {
       return false;
     }
     return true;

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

@@ -143,11 +143,25 @@ export class BranchProfileComponent implements OnInit {
       .subscribe((res: any) => {
         this.saving = false;
         if (!res) return;
+        if (res.rollbackTransaction) {
+          // Parked for checker approval - the branch profile has not actually changed yet.
+          this.successMsg = 'Branch profile update has been submitted for approval.';
+          this.form.markAsPristine();
+          return;
+        }
         this.successMsg = 'Branch profile saved.';
         this.form.markAsPristine();
-        this.lastUpdated = res.updatedByUsername ? { by: res.updatedByUsername, at: res.updatedAt } : null;
-        const idx = this.offices.findIndex((o) => o.officeId === this.selectedOfficeId);
-        if (idx >= 0) this.offices[idx] = res;
+        // The response is now a CommandProcessingResult, not the updated row (the write goes through
+        // the command pipeline) - reload the saved row from the server instead of patching state from
+        // this response.
+        this.organizationService.getBranchProfile(this.selectedOfficeId!).subscribe((updated: any) => {
+          if (!updated) return;
+          this.lastUpdated = updated.updatedByUsername
+            ? { by: updated.updatedByUsername, at: updated.updatedAt }
+            : null;
+          const idx = this.offices.findIndex((o) => o.officeId === this.selectedOfficeId);
+          if (idx >= 0) this.offices[idx] = updated;
+        });
       });
   }
 }

src/app/organization/currencies/manage-currencies/manage-currencies.component.ts

@@ -42,6 +42,7 @@ import { AsyncPipe } from '@angular/common';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { MatGridList, MatGridTile } from '@angular/material/grid-list';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /**
  * Manage Currencies component.
@@ -68,6 +69,7 @@ export class ManageCurrenciesComponent implements OnInit, AfterViewInit, OnDestr
   private translateService = inject(TranslateService);
   private configurationWizardService = inject(ConfigurationWizardService);
   private popoverService = inject(PopoverService);
+  private alertService = inject(AlertService);
 
   //** Defining PlaceHolders for the search bar */
   placeHolderLabel = '';
@@ -164,8 +166,17 @@ export class ManageCurrenciesComponent implements OnInit, AfterViewInit, OnDestr
     if (!selectedCurrencyCodes.includes(newCurrency.code)) {
       selectedCurrencyCodes.push(newCurrency.code);
       this.organizationservice.updateCurrencies(selectedCurrencyCodes).subscribe((response: any) => {
-        this.selectedCurrencies.push(newCurrency);
         this.formRef.resetForm();
+        if (response?.rollbackTransaction) {
+          // Parked for checker approval - the currency has not actually been added yet, so the
+          // local list must not be mutated as if it had.
+          this.alertService.alert({
+            type: 'Success',
+            message: 'Currency configuration update has been submitted for approval.'
+          });
+          return;
+        }
+        this.selectedCurrencies.push(newCurrency);
         if (this.configurationWizardService.showCurrencyForm) {
           this.configurationWizardService.showCurrencyForm = false;
           this.openDialog();
@@ -187,9 +198,18 @@ export class ManageCurrenciesComponent implements OnInit, AfterViewInit, OnDestr
     });
     deleteCurrencyDialogRef.afterClosed().subscribe((response: any) => {
       if (response.delete) {
-        this.organizationservice.updateCurrencies(selectedCurrencyCodes).subscribe(() => {
-          this.selectedCurrencies.splice(index, 1);
+        this.organizationservice.updateCurrencies(selectedCurrencyCodes).subscribe((updateResponse: any) => {
           this.formRef.resetForm();
+          if (updateResponse?.rollbackTransaction) {
+            // Parked for checker approval - the currency has not actually been removed yet, so the
+            // local list must not be mutated as if it had.
+            this.alertService.alert({
+              type: 'Success',
+              message: 'Currency configuration update has been submitted for approval.'
+            });
+            return;
+          }
+          this.selectedCurrencies.splice(index, 1);
         });
       }
     });

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

@@ -182,9 +182,18 @@ export class InstitutionProfileComponent implements OnInit {
       .subscribe((res: any) => {
         this.saving = false;
         if (!res) return;
+        if (res.rollbackTransaction) {
+          // Parked for checker approval - the profile has not actually changed yet, so the form must
+          // not be patched with the submitted (not-yet-applied) values as if it had.
+          this.successMsg = 'Bank profile update has been submitted for approval.';
+          this.form.markAsPristine();
+          return;
+        }
         this.successMsg = 'Bank profile saved.';
-        this.applyResult(res);
-        this.form.markAsPristine();
+        // The response is now a CommandProcessingResult, not the updated row (the write goes through
+        // the command pipeline) - reload the saved row from the server instead of patching the form
+        // from this response.
+        this.load();
       });
   }
 

src/app/organization/manage-funds/create-fund/create-fund.component.ts

@@ -11,6 +11,7 @@ import { UntypedFormBuilder, UntypedFormGroup, Validators, ReactiveFormsModule }
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { OrganizationService } from 'app/organization/organization.service';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { AlertService } from 'app/core/alert/alert.service';
 
 @Component({
   selector: 'mifosx-create-fund',
@@ -25,6 +26,7 @@ export class CreateFundComponent implements OnInit {
   private formBuilder = inject(UntypedFormBuilder);
   private router = inject(Router);
   private route = inject(ActivatedRoute);
+  private alertService = inject(AlertService);
 
   /** Charge form. */
   fundForm: UntypedFormGroup;
@@ -49,6 +51,12 @@ export class CreateFundComponent implements OnInit {
   submit() {
     const payload = this.fundForm.getRawValue();
     this.organizationService.createFund(payload).subscribe((response: any) => {
+      if (response?.rollbackTransaction) {
+        this.alertService.alert({
+          type: 'Success',
+          message: 'Fund creation has been submitted for approval.'
+        });
+      }
       this.router.navigate(['../'], { relativeTo: this.route });
     });
   }

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

@@ -261,6 +261,32 @@ const routes: Routes = [
             import('./clearing-gl-config/clearing-gl-config.component').then((m) => m.ClearingGlConfigComponent),
           data: { title: 'Clearing GL Configuration', breadcrumb: 'Clearing GL Configuration' }
         },
+        {
+          // CRR/SLR percentages and the GL accounts RBI Form 1 and Form 9 read their figures from.
+          path: 'rbi-reserve-config',
+          loadComponent: () =>
+            import('./rbi-reserve-config/rbi-reserve-config.component').then((m) => m.RbiReserveConfigComponent),
+          data: { title: 'RBI Reserve Configuration', breadcrumb: 'RBI Reserve Configuration' }
+        },
+        {
+          // TDS thresholds, rates and statutory references per FY, and the TDS payable GL.
+          path: 'tds-config',
+          loadComponent: () => import('./tds-config/tds-config.component').then((m) => m.TdsConfigComponent),
+          data: { title: 'TDS Configuration', breadcrumb: 'TDS Configuration' }
+        },
+        {
+          // OSS 1 keeps its own screen: sixteen roles of its own, none shared with CRR or SLR.
+          path: 'oss1-gl-config',
+          loadComponent: () =>
+            import('./rbi-reserve-config/oss1-gl-config.component').then((m) => m.Oss1GlConfigComponent),
+          data: { title: 'OSS 1 GL Configuration', breadcrumb: 'OSS 1 GL Configuration' }
+        },
+        {
+          path: 'oss2-gl-config',
+          loadComponent: () =>
+            import('./rbi-reserve-config/oss2-gl-config.component').then((m) => m.Oss2GlConfigComponent),
+          data: { title: 'OSS 2 GL Configuration', breadcrumb: 'OSS 2 GL Configuration' }
+        },
         {
           path: 'employees',
           data: { title: 'Manage Employees', breadcrumb: 'Manage Employees' },

src/app/organization/organization.component.html

@@ -76,6 +76,64 @@
       </a>
     </div>
 
+    <!-- RBI Reserve Configuration -->
+    <div #rbiReserveConfig>
+      <a class="org-card" [routerLink]="['rbi-reserve-config']" *mifosxHasPermission="'READ_RBIRESERVECONFIG'">
+        <div class="org-card__icon org-card__icon--amber">
+          <i class="fas fa-percent"></i>
+        </div>
+        <div class="org-card__body">
+          <h3 class="org-card__title">RBI Reserve Configuration</h3>
+          <p class="org-card__desc">CRR and SLR rates, and the GL accounts behind Form 1 and Form 9</p>
+        </div>
+        <i class="fas fa-chevron-right org-card__arrow"></i>
+      </a>
+    </div>
+
+    <!-- TDS Configuration -->
+    <div>
+      <a class="org-card" [routerLink]="['tds-config']" *mifosxHasPermission="'READ_TDSCONFIG'">
+        <div class="org-card__icon org-card__icon--amber">
+          <i class="fas fa-receipt"></i>
+        </div>
+        <div class="org-card__body">
+          <h3 class="org-card__title">TDS Configuration</h3>
+          <p class="org-card__desc">TDS thresholds and rates per financial year, and the TDS payable GL</p>
+        </div>
+        <i class="fas fa-chevron-right org-card__arrow"></i>
+      </a>
+    </div>
+
+    <!-- OSS 1 GL Configuration -->
+    <div #oss1GlConfig>
+      <a class="org-card" [routerLink]="['oss1-gl-config']" *mifosxHasPermission="'READ_RBIRESERVECONFIG'">
+        <div class="org-card__icon org-card__icon--amber">
+          <i class="fas fa-scale-balanced"></i>
+        </div>
+        <div class="org-card__body">
+          <h3 class="org-card__title">OSS 1 GL Configuration</h3>
+          <p class="org-card__desc">
+            GL accounts behind OSS 1 — Return on Assets and Liabilities, read as closing balances
+          </p>
+        </div>
+        <i class="fas fa-chevron-right org-card__arrow"></i>
+      </a>
+    </div>
+
+    <!-- OSS 2 GL Configuration -->
+    <div #oss2GlConfig>
+      <a class="org-card" [routerLink]="['oss2-gl-config']" *mifosxHasPermission="'READ_RBIRESERVECONFIG'">
+        <div class="org-card__icon org-card__icon--amber">
+          <i class="fas fa-chart-line"></i>
+        </div>
+        <div class="org-card__body">
+          <h3 class="org-card__title">OSS 2 GL Configuration</h3>
+          <p class="org-card__desc">GL accounts behind OSS 2 — Return on Earnings, read as quarterly movement</p>
+        </div>
+        <i class="fas fa-chevron-right org-card__arrow"></i>
+      </a>
+    </div>
+
     <!-- Currency Configuration -->
     <div #addEditCurrency>
       <a class="org-card" [routerLink]="['currencies']" *mifosxHasPermission="'READ_CURRENCY'">

src/app/organization/organization.service.ts

@@ -935,4 +935,71 @@ export class OrganizationService {
   updateClearingGlConfig(configKey: string, glAccountId: number | null): Observable<any> {
     return this.http.put(`/clearingglconfig/${configKey}`, { glAccountId });
   }
+
+  // ── RBI Reserve Configuration (Form 1 CRR / Form 9 SLR) ──
+
+  /**
+   * @returns {Observable<any>} `{ rates[], glRoles[] }` — the effective-dated CRR/SLR percentages
+   *   and the GL accounts mapped to each reserve role. Roles with nothing mapped are included, so
+   *   the screen can show the gaps rather than hide them.
+   */
+  getRbiReserveConfig(): Observable<any> {
+    return this.http.get('/rbireserveconfig');
+  }
+
+  /** @returns {Observable<any>} Selectable (postable, non-header) GL accounts plus the rate types. */
+  getRbiReserveConfigTemplate(): Observable<any> {
+    return this.http.get('/rbireserveconfig/template');
+  }
+
+  /**
+   * Replaces the entire set of GL accounts mapped to one reserve role.
+   *
+   * Each mapping carries the portion of the account's balance the role takes and, on a liability
+   * head, whether that portion is a demand or a time liability. RBI treats part of a savings balance
+   * as demand and the rest as time, so the same account is sent twice under one role with different
+   * classes - which is why this is a list of mappings rather than a list of account ids.
+   *
+   * @param {string} configKey A built-in role (CASH_IN_HAND, BALANCE_WITH_OTHER_BANKS,
+   *   DEMAND_TIME_LIABILITIES, SLR_INVESTMENTS) or the key of a head an administrator added.
+   */
+  updateRbiReserveGlRole(
+    configKey: string,
+    mappings: { glAccountId: number; weightPercentage: number; liabilityClass: string | null }[]
+  ): Observable<any> {
+    return this.http.put(`/rbireserveconfig/gl/${configKey}`, { mappings, locale: 'en' });
+  }
+
+  /**
+   * Adds a head to a return - a reserve, a tax payable, anything the bank's chart carries that the
+   * built-in roles do not name. `usage` states how the return consumes it: LIABILITY, ASSET_NET,
+   * MAINTAINED or MEMO.
+   */
+  createRbiReserveRole(role: { label: string; description: string; group: string; usage: string }): Observable<any> {
+    return this.http.post('/rbireserveconfig/role', { ...role, locale: 'en' });
+  }
+
+  /** Removes an administrator-defined head and the accounts pinned to it. */
+  deleteRbiReserveRole(roleId: number): Observable<any> {
+    return this.http.delete(`/rbireserveconfig/role/${roleId}`);
+  }
+
+  /**
+   * Sets a CRR or SLR rate with effect from a date. Restating an existing effective date edits that
+   * row; a new date adds one, so past returns keep the rate that was actually in force.
+   */
+  upsertRbiReserveRate(rateType: string, percentage: number, effectiveFrom: string): Observable<any> {
+    return this.http.post('/rbireserveconfig/rate', {
+      rateType,
+      percentage,
+      effectiveFrom,
+      locale: 'en',
+      dateFormat: 'yyyy-MM-dd'
+    });
+  }
+
+  /** @returns {Observable<any>} */
+  deleteRbiReserveRate(rateId: number): Observable<any> {
+    return this.http.delete(`/rbireserveconfig/rate/${rateId}`);
+  }
 }

src/app/organization/payment-types/create-payment-type/create-payment-type.component.ts

@@ -16,6 +16,7 @@ import { OrganizationService } from '../../organization.service';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
 import { MatCheckbox } from '@angular/material/checkbox';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /**
  * Create Payment Type Component.
@@ -35,6 +36,7 @@ export class CreatePaymentTypeComponent implements OnInit {
   private organizationService = inject(OrganizationService);
   private router = inject(Router);
   private route = inject(ActivatedRoute);
+  private alertService = inject(AlertService);
 
   /** Payment Type form. */
   paymentTypeForm: UntypedFormGroup;
@@ -73,7 +75,13 @@ export class CreatePaymentTypeComponent implements OnInit {
    */
   submit() {
     const paymentType = this.paymentTypeForm.value;
-    this.organizationService.createPaymentType(paymentType).subscribe((response) => {
+    this.organizationService.createPaymentType(paymentType).subscribe((response: any) => {
+      if (response?.rollbackTransaction) {
+        this.alertService.alert({
+          type: 'Success',
+          message: 'Payment Type creation has been submitted for approval.'
+        });
+      }
       this.router.navigate(['../'], { relativeTo: this.route });
     });
   }

src/app/organization/payment-types/edit-payment-type/edit-payment-type.component.ts

@@ -16,6 +16,7 @@ import { OrganizationService } from 'app/organization/organization.service';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
 import { MatCheckbox } from '@angular/material/checkbox';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /**
  * Edit Payment Type component.
@@ -35,6 +36,7 @@ export class EditPaymentTypeComponent implements OnInit {
   private organizationService = inject(OrganizationService);
   private router = inject(Router);
   private route = inject(ActivatedRoute);
+  private alertService = inject(AlertService);
 
   /** Payment Type form. */
   paymentTypeForm: UntypedFormGroup;
@@ -88,7 +90,13 @@ export class EditPaymentTypeComponent implements OnInit {
    */
   submit() {
     const paymentType = this.paymentTypeForm.value;
-    this.organizationService.updatePaymentType(this.paymentTypeData.id, paymentType).subscribe((response) => {
+    this.organizationService.updatePaymentType(this.paymentTypeData.id, paymentType).subscribe((response: any) => {
+      if (response?.rollbackTransaction) {
+        this.alertService.alert({
+          type: 'Success',
+          message: 'Payment Type update has been submitted for approval.'
+        });
+      }
       this.router.navigate(['../../'], { relativeTo: this.route });
     });
   }

src/app/organization/payment-types/payment-types.component.ts

@@ -34,6 +34,7 @@ import { DeleteDialogComponent } from '../../shared/delete-dialog/delete-dialog.
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { MatTooltip } from '@angular/material/tooltip';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /**
  * Payment Types component.
@@ -65,6 +66,7 @@ export class PaymentTypesComponent implements OnInit {
   private organizationService = inject(OrganizationService);
   private route = inject(ActivatedRoute);
   private dialog = inject(MatDialog);
+  private alertService = inject(AlertService);
 
   /** Payment Types data. */
   paymentTypesData: any;
@@ -132,9 +134,20 @@ export class PaymentTypesComponent implements OnInit {
     });
     deletePaymentTypeDialogRef.afterClosed().subscribe((response: any) => {
       if (response.delete) {
-        this.organizationService.deletePaymentType(paymentTypeId).subscribe(() => {
-          this.paymentTypesData = this.paymentTypesData.filter((paymentType: any) => paymentType.id !== paymentTypeId);
-          this.setPaymentTypes();
+        this.organizationService.deletePaymentType(paymentTypeId).subscribe((deleteResponse: any) => {
+          if (deleteResponse?.rollbackTransaction) {
+            // Parked for checker approval - the record has not actually been removed yet, so the
+            // list must not drop it (that would falsely show the deletion as already applied).
+            this.alertService.alert({
+              type: 'Success',
+              message: 'Payment Type deletion has been submitted for approval.'
+            });
+          } else {
+            this.paymentTypesData = this.paymentTypesData.filter(
+              (paymentType: any) => paymentType.id !== paymentTypeId
+            );
+            this.setPaymentTypes();
+          }
         });
       }
     });

src/app/organization/rbi-reserve-config/oss1-gl-config.component.ts

@@ -0,0 +1,47 @@
+/**
+ * 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 } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RbiReserveConfigComponent } from './rbi-reserve-config.component';
+
+/**
+ * GL configuration for OSS 1 — Return on Assets and Liabilities.
+ *
+ * Its own screen rather than a section of the reserve configuration: OSS 1 has sixteen roles of its
+ * own and shares none of them with CRR or SLR, so the two are separate decisions made at separate
+ * times. The mapping mechanics are identical, so only the scope and the wording differ.
+ *
+ * There are no rates here. OSS 1 states a position; it is not a percentage charged on a base.
+ */
+@Component({
+  selector: 'mifosx-oss1-gl-config',
+  templateUrl: './rbi-reserve-config.component.html',
+  styleUrls: ['./rbi-reserve-config.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class Oss1GlConfigComponent extends RbiReserveConfigComponent {
+  protected override readonly group = 'OSS1';
+  protected override readonly showRates = false;
+
+  override get screenTitle(): string {
+    return 'OSS 1 GL Configuration';
+  }
+
+  override get screenSubtitle(): string {
+    return (
+      'The GL accounts OSS 1 — Return on Assets and Liabilities reads its figures from. Each head takes the closing ' +
+      'balance of its accounts as at the quarter end. A head left unmapped reports nothing rather than a nil figure ' +
+      'that would read as a real position of zero.'
+    );
+  }
+}

src/app/organization/rbi-reserve-config/oss2-gl-config.component.ts

@@ -0,0 +1,46 @@
+/**
+ * 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 } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RbiReserveConfigComponent } from './rbi-reserve-config.component';
+
+/**
+ * GL configuration for OSS 2 — Return on Earnings.
+ *
+ * Separate from OSS 1 because the two read their accounts differently, not only because they are
+ * different returns: OSS 1 takes closing balances, OSS 2 takes the movement over the quarter. The
+ * same account mapped to both would be right on one and wrong on the other, so the screens are kept
+ * apart rather than sharing a single list of accounts.
+ */
+@Component({
+  selector: 'mifosx-oss2-gl-config',
+  templateUrl: './rbi-reserve-config.component.html',
+  styleUrls: ['./rbi-reserve-config.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class Oss2GlConfigComponent extends RbiReserveConfigComponent {
+  protected override readonly group = 'OSS2';
+  protected override readonly showRates = false;
+
+  override get screenTitle(): string {
+    return 'OSS 2 GL Configuration';
+  }
+
+  override get screenSubtitle(): string {
+    return (
+      'The GL accounts OSS 2 — Return on Earnings reads its figures from. Each item takes the movement over the ' +
+      'reporting quarter, not a closing balance: an earnings line reports what was earned or spent in the period, so ' +
+      'the same accounts read as balances would carry forward every earlier quarter as well.'
+    );
+  }
+}

src/app/organization/rbi-reserve-config/rbi-reserve-config.component.html

@@ -0,0 +1,350 @@
+<!--
+  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="rrc-container">
+  <div class="rrc-header">
+    <button mat-stroked-button [routerLink]="['/organization']" class="rrc-back">
+      <i class="fas fa-arrow-left"></i> Organization
+    </button>
+    <h2 class="rrc-header__title">{{ screenTitle }}</h2>
+  </div>
+  <p class="rrc-sub">{{ screenSubtitle }}</p>
+
+  @if (errorMsg) {
+    <div class="rrc-alert rrc-alert--error">{{ errorMsg }}</div>
+  }
+  @if (successMsg) {
+    <div class="rrc-alert rrc-alert--success">{{ successMsg }}</div>
+  }
+
+  @if (loading) {
+    <div class="rrc-loading">Loading…</div>
+  } @else {
+    <!-- ═══ Rates — only the reserve returns are charged at a percentage ═══ -->
+    @if (showRates) {
+      <div class="rrc-card">
+        <h3 class="rrc-card__title">Reserve rates</h3>
+        <p class="rrc-card__hint">
+          Rates are effective-dated rather than overwritten: a return filed for an earlier period keeps reporting the
+          rate that was actually in force then. Saving against a date that already has a rate edits it; a new date adds
+          one.
+        </p>
+
+        <div class="rrc-rate-now">
+          @for (type of ['CRR', 'SLR', 'SAVINGS_DEMAND']; track type) {
+            <div class="rrc-rate-now__item">
+              <span class="rrc-rate-now__label">
+                {{ type === 'SAVINGS_DEMAND' ? 'Savings demand share' : type }} in force today
+              </span>
+              @if (currentRate(type); as rate) {
+                <span class="rrc-rate-now__value">{{ rate.percentage }}%</span>
+                @if (rate.seedDefault) {
+                  <span class="rrc-rate-now__since rrc-rate-now__since--warn">
+                    Placeholder — confirm the rate actually in force
+                  </span>
+                } @else {
+                  <span class="rrc-rate-now__since">since {{ rate.effectiveFrom }}</span>
+                }
+              } @else {
+                <span class="rrc-rate-now__value rrc-rate-now__value--none">Not set</span>
+                <span class="rrc-rate-now__since">{{ type === 'CRR' ? 'Form 1' : 'Form 9' }} cannot compute</span>
+              }
+            </div>
+          }
+        </div>
+
+        <div class="rrc-rate-form">
+          <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-rate-form__type">
+            <mat-label>Rate</mat-label>
+            <mat-select [(ngModel)]="newRate.rateType">
+              <mat-option value="CRR">CRR — Form 1</mat-option>
+              <mat-option value="SLR">SLR — Form 9</mat-option>
+              <!-- Not a reserve ratio, but set by RBI and effective-dated the same way: the share of
+                 savings balances that counts as a demand liability, the rest being time. -->
+              <mat-option value="SAVINGS_DEMAND">Savings — demand share</mat-option>
+            </mat-select>
+          </mat-form-field>
+
+          <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-rate-form__pct">
+            <mat-label>Percentage (%)</mat-label>
+            <input matInput type="number" step="0.0001" min="0" max="100" [(ngModel)]="newRate.percentage" />
+          </mat-form-field>
+
+          <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-rate-form__date">
+            <mat-label>Effective from</mat-label>
+            <input matInput type="date" [(ngModel)]="newRate.effectiveFrom" />
+          </mat-form-field>
+
+          <button mat-raised-button color="primary" [disabled]="savingRate" (click)="saveRate()">
+            {{ savingRate ? 'Saving…' : 'Save rate' }}
+          </button>
+        </div>
+
+        <table class="rrc-table">
+          <thead>
+            <tr>
+              <th>Rate</th>
+              <th>Percentage</th>
+              <th>Effective from</th>
+              <th>Status</th>
+              <th></th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (rate of rates; track rate.id) {
+              <tr>
+                <td>
+                  <span class="rrc-key">{{ rate.rateType }}</span>
+                </td>
+                <td class="rrc-num">{{ rate.percentage }}%</td>
+                <td>{{ rate.effectiveFrom }}</td>
+                <td>
+                  @if (isFuture(rate)) {
+                    <span class="rrc-badge rrc-badge--future">Future-dated</span>
+                  } @else if (currentRate(rate.rateType)?.id === rate.id) {
+                    <span class="rrc-badge rrc-badge--active">In force</span>
+                  } @else {
+                    <span class="rrc-badge rrc-badge--past">Superseded</span>
+                  }
+                  @if (rate.seedDefault) {
+                    <span class="rrc-badge rrc-badge--seed">Placeholder</span>
+                  }
+                </td>
+                <td>
+                  <button mat-button class="rrc-remove" (click)="deleteRate(rate)" title="Remove this rate">
+                    <i class="fas fa-trash"></i>
+                  </button>
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+    }
+
+    <!-- ═══ GL accounts ═══ -->
+    <div class="rrc-card">
+      <h3 class="rrc-card__title">GL accounts behind each figure</h3>
+      <p class="rrc-card__hint">
+        Every role takes as many accounts as it needs — a bank holds current accounts at several other banks, and each
+        one counts toward what it maintains. Only postable accounts are listed: a header account's balance is the sum of
+        its children, so mapping both would count those children twice.
+      </p>
+
+      @if (unmappedCount) {
+        <div class="rrc-alert rrc-alert--warn">
+          {{ unmappedCount }} of {{ glRoles.length }} roles have no accounts mapped. Returns that depend on them will
+          report why they cannot compute instead of showing a figure.
+        </div>
+      }
+
+      <!--
+        One tab per return. The roles of four returns on a single list would bury the four that
+        drive CRR among the thirty that do not, so each return's roles are configured on their own.
+        Each tab carries its own unmapped count, so a return that cannot compute is visible without
+        opening its tab.
+      -->
+      @if (showTabs) {
+        <div class="rrc-tabs" role="tablist">
+          @for (group of roleGroups; track group.name) {
+            <button
+              type="button"
+              role="tab"
+              class="rrc-tab"
+              [class.rrc-tab--active]="group.name === activeGroup"
+              [attr.aria-selected]="group.name === activeGroup"
+              (click)="showGroup(group.name)"
+            >
+              {{ group.label }}
+              @if (unmappedIn(group)) {
+                <span class="rrc-tab__badge">{{ unmappedIn(group) }} unmapped</span>
+              } @else {
+                <span class="rrc-tab__badge rrc-tab__badge--done">all mapped</span>
+              }
+            </button>
+          }
+        </div>
+      }
+
+      @for (role of visibleRoles; track role.configKey) {
+        <div class="rrc-role" [class.rrc-role--unmapped]="isUnmapped(role)">
+          <div class="rrc-role__head">
+            <div>
+              <span class="rrc-role__name">{{ roleLabel(role) }}</span>
+              <span class="rrc-key">{{ role.configKey }}</span>
+              <span class="rrc-role__usedby">{{ roleUsedBy(role) }}</span>
+            </div>
+            @if (isUnmapped(role)) {
+              <span class="rrc-badge rrc-badge--unmapped">Not mapped</span>
+            } @else {
+              <span class="rrc-badge rrc-badge--mapped">
+                {{ selection[role.configKey].length }} account{{ selection[role.configKey].length === 1 ? '' : 's' }}
+              </span>
+            }
+          </div>
+
+          <p class="rrc-role__desc">{{ role.description }}</p>
+
+          <!--
+            One row per mapping rather than a multi-select, because a mapping is no longer just an
+            account: it carries the portion of the balance this head takes, and which head that
+            portion falls under. A savings account appears twice here - a demand slice and a time
+            slice - which a multi-select cannot express.
+          -->
+          @if (selection[role.configKey]?.length) {
+            <table class="rrc-map">
+              <thead>
+                <tr>
+                  <th>GL account</th>
+                  <th class="rrc-map__narrow">Portion (%)</th>
+                  @if (role.classified) {
+                    <th class="rrc-map__narrow">Head</th>
+                  }
+                  <th class="rrc-map__actions"></th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (mapping of selection[role.configKey]; track $index; let i = $index) {
+                  <tr [class.rrc-map__row--invalid]="isRowInvalid(mapping)">
+                    <td>
+                      <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-map__field">
+                        <mat-select [(ngModel)]="mapping.glAccountId" [disabled]="savingKey === role.configKey">
+                          @for (o of availableAccounts(role, i); track o.id) {
+                            <mat-option [value]="o.id">{{ o.glCode }} · {{ o.name }}</mat-option>
+                          }
+                        </mat-select>
+                      </mat-form-field>
+                    </td>
+                    <td>
+                      <!-- The share of this account's balance the head takes. 100 is the whole of it,
+                           which is what every mapping meant before splits existed. -->
+                      <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-map__field">
+                        <input
+                          matInput
+                          type="number"
+                          min="0"
+                          max="100"
+                          step="0.0001"
+                          [(ngModel)]="mapping.weightPercentage"
+                          [disabled]="savingKey === role.configKey"
+                        />
+                      </mat-form-field>
+                    </td>
+                    @if (role.classified) {
+                      <td>
+                        <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-map__field">
+                          <mat-select [(ngModel)]="mapping.liabilityClass" [disabled]="savingKey === role.configKey">
+                            @for (c of liabilityClasses; track c.value) {
+                              <mat-option [value]="c.value">{{ c.label }}</mat-option>
+                            }
+                          </mat-select>
+                        </mat-form-field>
+                      </td>
+                    }
+                    <td class="rrc-map__actions">
+                      <button mat-button class="rrc-remove" (click)="removeMapping(role, i)" title="Remove this row">
+                        <i class="fas fa-trash"></i>
+                      </button>
+                    </td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          }
+
+          <!--
+            An account split across rows whose portions do not add to the whole balance is the one
+            error a split invites and no single row shows: each row looks reasonable while a share of
+            the balance silently leaves the base.
+          -->
+          @for (entry of unbalancedAccounts(role); track entry.glAccountId) {
+            <div class="rrc-alert rrc-alert--warn rrc-alert--inline">
+              {{ glLabel(entry.glAccountId) }} is mapped at {{ entry.total }}% in total.
+              @if (entry.total < 100) {
+                {{ 100 - entry.total }}% of its balance will not appear on the return.
+              } @else {
+                It would be counted {{ entry.total }}% — more than the account holds.
+              }
+            </div>
+          }
+
+          <div class="rrc-role__controls">
+            <button mat-stroked-button (click)="addMapping(role)" [disabled]="savingKey === role.configKey">
+              <i class="fas fa-plus"></i> Add account
+            </button>
+
+            <button
+              mat-raised-button
+              color="primary"
+              [disabled]="savingKey === role.configKey || !isDirty(role) || hasInvalidRows(role)"
+              (click)="saveRole(role)"
+            >
+              {{ savingKey === role.configKey ? 'Saving…' : 'Save' }}
+            </button>
+
+            @if (!role.builtIn) {
+              <button mat-button class="rrc-remove" (click)="deleteRole(role)" title="Remove this head">
+                <i class="fas fa-trash"></i> Remove head
+              </button>
+            }
+          </div>
+        </div>
+      }
+
+      <!-- ═══ add a head ═══ -->
+      <div class="rrc-add">
+        @if (!showAddRole) {
+          <button mat-stroked-button (click)="showAddRole = true">
+            <i class="fas fa-plus"></i> Add a head to this return
+          </button>
+          <p class="rrc-card__hint">
+            For anything this bank carries that the heads above do not name — a reserve, a tax payable, bills payable.
+            The return reads it from the same chart of accounts the balance sheet is built from.
+          </p>
+        } @else {
+          <div class="rrc-add__form">
+            <mat-form-field appearance="outline" subscriptSizing="dynamic">
+              <mat-label>Name</mat-label>
+              <input matInput [(ngModel)]="newRole.label" placeholder="e.g. Reserve Fund" />
+            </mat-form-field>
+
+            <mat-form-field appearance="outline" subscriptSizing="dynamic">
+              <mat-label>How the return uses it</mat-label>
+              <mat-select [(ngModel)]="newRole.usage">
+                @for (u of roleUsages; track u.value) {
+                  <mat-option [value]="u.value">{{ u.label }}</mat-option>
+                }
+              </mat-select>
+            </mat-form-field>
+
+            <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-add__desc">
+              <mat-label>Note (optional)</mat-label>
+              <input matInput [(ngModel)]="newRole.description" placeholder="What this head covers" />
+            </mat-form-field>
+
+            <!--
+              The section prefixes are a naming convention rather than a field, so they have to be
+              stated somewhere: an administrator who wants a head on the Memorandum has no way to
+              discover that naming it so is what puts it there.
+            -->
+            <p class="rrc-card__hint rrc-add-role__note">
+              Naming a head <strong>Memorandum - …</strong>, <strong>Annexure A - …</strong> or
+              <strong>Annexure B - …</strong> prints it under that section of the return instead of in the main
+              statement.
+            </p>
+
+            <button mat-raised-button color="primary" [disabled]="addingRole" (click)="addRole()">
+              {{ addingRole ? 'Adding…' : 'Add head' }}
+            </button>
+            <button mat-button (click)="showAddRole = false">Cancel</button>
+          </div>
+        }
+      </div>
+    </div>
+  }
+</div>

src/app/organization/rbi-reserve-config/rbi-reserve-config.component.scss

@@ -0,0 +1,481 @@
+/**
+ * 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/.
+ */
+$primary: #1353a0;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-500: #9aa0a6;
+$gray-900: #202124;
+$green: #137333;
+$amber: #b06000;
+$red: #c5221f;
+
+.rrc-container {
+  max-width: 1040px;
+  margin: 0 auto;
+  padding: 20px 16px;
+}
+
+.rrc-header {
+  display: flex;
+  align-items: center;
+  gap: 14px;
+  margin-bottom: 6px;
+
+  &__title {
+    font-size: 18px;
+    font-weight: 600;
+    color: $gray-900;
+    margin: 0;
+  }
+}
+
+.rrc-sub {
+  margin: 0 0 16px;
+  font-size: 12px;
+  color: $gray-500;
+  max-width: 820px;
+  line-height: 1.6;
+}
+
+.rrc-back {
+  border-radius: 8px !important;
+  font-size: 12px !important;
+  font-weight: 600 !important;
+  height: 32px !important;
+  border-color: $border !important;
+  color: $gray-500 !important;
+
+  i {
+    margin-right: 6px;
+  }
+
+  &:hover {
+    color: $primary !important;
+    border-color: $primary !important;
+  }
+}
+
+.rrc-alert {
+  padding: 10px 14px;
+  border-radius: 8px;
+  font-size: 12px;
+  margin-bottom: 14px;
+
+  &--error {
+    background: #fce8e6;
+    color: $red;
+  }
+
+  &--success {
+    background: #e6f4ea;
+    color: $green;
+  }
+
+  &--warn {
+    background: #fef7e0;
+    color: $amber;
+  }
+}
+
+.rrc-loading {
+  padding: 28px;
+  text-align: center;
+  color: $gray-500;
+  font-size: 13px;
+}
+
+.rrc-card {
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 12px;
+  padding: 18px;
+  margin-bottom: 18px;
+
+  &__title {
+    margin: 0 0 4px;
+    font-size: 15px;
+    font-weight: 600;
+    color: $gray-900;
+  }
+
+  &__hint {
+    margin: 0 0 16px;
+    font-size: 12px;
+    color: $gray-500;
+    line-height: 1.6;
+  }
+}
+
+// ── Rates ──
+
+.rrc-rate-now {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 12px;
+  margin-bottom: 18px;
+
+  &__item {
+    flex: 1 1 220px;
+    background: $gray-50;
+    border: 1px solid $border;
+    border-radius: 10px;
+    padding: 12px 14px;
+  }
+
+  &__label {
+    display: block;
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    color: $gray-500;
+    margin-bottom: 4px;
+  }
+
+  &__value {
+    font-size: 22px;
+    font-weight: 700;
+    color: $primary;
+
+    &--none {
+      font-size: 15px;
+      color: $red;
+    }
+  }
+
+  &__since {
+    display: block;
+    margin-top: 2px;
+    font-size: 11px;
+    color: $gray-500;
+
+    &--warn {
+      color: $amber;
+      font-weight: 600;
+    }
+  }
+}
+
+.rrc-rate-form {
+  display: flex;
+  flex-wrap: wrap;
+  align-items: center;
+  gap: 12px;
+  margin-bottom: 18px;
+
+  &__type {
+    flex: 0 1 190px;
+  }
+
+  &__pct {
+    flex: 0 1 150px;
+  }
+
+  &__date {
+    flex: 0 1 190px;
+  }
+}
+
+// ── Tables ──
+
+.rrc-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12.5px;
+
+  th {
+    text-align: left;
+    font-weight: 600;
+    color: $gray-500;
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    padding: 8px 10px;
+    border-bottom: 1px solid $border;
+  }
+
+  td {
+    padding: 9px 10px;
+    border-bottom: 1px solid $gray-200;
+    color: $gray-900;
+    vertical-align: middle;
+  }
+
+  tr:last-child td {
+    border-bottom: none;
+  }
+}
+
+.rrc-num {
+  font-variant-numeric: tabular-nums;
+  font-weight: 600;
+}
+
+.rrc-key {
+  display: inline-block;
+  font-family: 'Roboto Mono', monospace;
+  font-size: 10.5px;
+  background: $gray-50;
+  border: 1px solid $border;
+  border-radius: 5px;
+  padding: 2px 6px;
+  color: $gray-500;
+}
+
+.rrc-badge {
+  display: inline-block;
+  font-size: 10.5px;
+  font-weight: 600;
+  border-radius: 20px;
+  padding: 3px 10px;
+  white-space: nowrap;
+
+  &--active,
+  &--mapped {
+    background: #e6f4ea;
+    color: $green;
+  }
+
+  &--future {
+    background: #e8f0fe;
+    color: $primary;
+  }
+
+  &--past {
+    background: $gray-50;
+    color: $gray-500;
+  }
+
+  &--unmapped {
+    background: #fce8e6;
+    color: $red;
+  }
+
+  // Shipped with the installation, never confirmed by this bank.
+  &--seed {
+    background: #fef7e0;
+    color: $amber;
+    margin-left: 6px;
+  }
+}
+
+// ── GL roles ──
+
+// One tab per return, so a long role list is configured a return at a time. The tabs wrap rather
+// than scroll: a return whose tab had scrolled out of sight would look like one that does not exist.
+.rrc-tabs {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 8px;
+  margin: 16px 0 18px;
+  border-bottom: 1px solid $border;
+  padding-bottom: 12px;
+}
+
+.rrc-tab {
+  display: inline-flex;
+  align-items: center;
+  gap: 8px;
+  padding: 8px 14px;
+  border: 1px solid $border;
+  border-radius: 8px;
+  background: #fff;
+  font: inherit;
+  font-size: 13px;
+  font-weight: 600;
+  color: $gray-900;
+  cursor: pointer;
+
+  &:hover {
+    background: $gray-50;
+  }
+
+  &--active {
+    border-color: $primary;
+    background: rgb(19 83 160 / 6%);
+    color: $primary;
+  }
+
+  &__badge {
+    font-size: 11px;
+    font-weight: 500;
+    padding: 1px 7px;
+    border-radius: 10px;
+    background: rgb(176 96 0 / 12%);
+    color: $amber;
+
+    // A fully mapped return is worth stating as plainly as an incomplete one, so the tab row can
+    // be read at a glance instead of by elimination.
+    &--done {
+      background: rgb(19 115 51 / 12%);
+      color: $green;
+    }
+  }
+}
+
+.rrc-role {
+  border: 1px solid $border;
+  border-radius: 10px;
+  padding: 14px 16px;
+  margin-bottom: 12px;
+
+  // An unmapped role stops a return computing, so it reads as a problem, not a blank.
+  &--unmapped {
+    border-color: #f5c6c4;
+    background: #fffafa;
+  }
+
+  &__head {
+    display: flex;
+    align-items: center;
+    justify-content: space-between;
+    gap: 12px;
+    flex-wrap: wrap;
+    margin-bottom: 4px;
+  }
+
+  &__name {
+    font-size: 13.5px;
+    font-weight: 600;
+    color: $gray-900;
+    margin-right: 8px;
+  }
+
+  &__usedby {
+    margin-left: 8px;
+    font-size: 11px;
+    color: $primary;
+    font-weight: 600;
+  }
+
+  &__desc {
+    margin: 0 0 12px;
+    font-size: 12px;
+    color: $gray-500;
+    line-height: 1.6;
+  }
+
+  &__controls {
+    display: flex;
+    align-items: center;
+    gap: 12px;
+    flex-wrap: wrap;
+  }
+
+  &__select {
+    flex: 1 1 420px;
+  }
+
+  &__chips {
+    display: flex;
+    flex-wrap: wrap;
+    gap: 6px;
+    margin-top: 10px;
+  }
+}
+
+// Spans the add-head form's columns rather than sitting in one of them.
+.rrc-add-role__note {
+  flex-basis: 100%;
+  margin: 0 !important;
+}
+
+.rrc-remove {
+  min-width: 0 !important;
+  padding: 0 8px !important;
+  color: $gray-500 !important;
+
+  &:hover {
+    color: $red !important;
+  }
+}
+
+.rrc-chip {
+  font-size: 11px;
+  background: #e8f0fe;
+  color: $primary;
+  border-radius: 20px;
+  padding: 3px 10px;
+}
+
+@media (width <= 720px) {
+  .rrc-rate-form__type,
+  .rrc-rate-form__pct,
+  .rrc-rate-form__date,
+  .rrc-role__select {
+    flex: 1 1 100%;
+  }
+}
+
+/* ── mapping rows ──
+   A mapping is an account, a portion of its balance, and the head that portion falls under, so it
+   is laid out as a table rather than as chips: the three parts of one row have to read together. */
+.rrc-map {
+  width: 100%;
+  border-collapse: collapse;
+  margin-top: 0.75rem;
+
+  th {
+    text-align: left;
+    font-size: 0.72rem;
+    letter-spacing: 0.04em;
+    text-transform: uppercase;
+    color: rgb(0 0 0 / 55%);
+    font-weight: 600;
+    padding: 0 0.5rem 0.25rem 0;
+  }
+
+  td {
+    padding: 0.15rem 0.5rem 0.15rem 0;
+    vertical-align: middle;
+  }
+
+  /* The portion and head columns hold short values; letting them take an equal share of the row
+     would squeeze the account name, which is the part that identifies the row. */
+  &__narrow {
+    width: 8.5rem;
+  }
+
+  &__actions {
+    width: 3rem;
+    text-align: right;
+  }
+
+  &__field {
+    width: 100%;
+  }
+
+  /* An incomplete row is marked where it is, rather than only by the disabled Save button, so it is
+     clear which row is holding the save back. */
+  &__row--invalid td {
+    background: rgb(214 106 0 / 6%);
+  }
+}
+
+.rrc-alert--inline {
+  margin: 0.5rem 0 0;
+  font-size: 0.82rem;
+}
+
+/* ── adding a head ── */
+.rrc-add {
+  margin-top: 1.25rem;
+  padding-top: 1rem;
+  border-top: 1px dashed rgb(0 0 0 / 12%);
+
+  &__form {
+    display: flex;
+    flex-wrap: wrap;
+    align-items: center;
+    gap: 0.75rem;
+  }
+
+  &__desc {
+    flex: 1 1 16rem;
+  }
+}

src/app/organization/rbi-reserve-config/rbi-reserve-config.component.ts

@@ -0,0 +1,491 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { catchError, forkJoin, of } from 'rxjs';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { OrganizationService } from '../organization.service';
+
+/**
+ * One GL account pinned to a role: which account, how much of its balance the role takes, and - on a
+ * liability head - whether that portion is a demand or a time liability.
+ */
+export interface ReserveMapping {
+  glAccountId: number;
+  weightPercentage: number;
+  liabilityClass: string | null;
+}
+
+/**
+ * Configuration behind RBI Form 1 (CRR) and Form 9 (SLR): the percentages RBI sets, and which GL
+ * accounts the returns read their figures from.
+ *
+ * Both halves sit on one screen because they are one decision. A percentage applies to a base, and
+ * an administrator who sets the rate but never maps the accounts produces a return that looks
+ * configured and reports nothing — so the screen states, per role, whether it is mapped at all.
+ *
+ * The accounts cannot be shipped as defaults: this platform seeds two mutually exclusive charts of
+ * accounts and real tenants match neither exactly, so cash on hand is 100101 on one chart and
+ * 101001 on another. Picking one here would read as zero on the charts it does not match.
+ */
+@Component({
+  selector: 'mifosx-rbi-reserve-config',
+  templateUrl: './rbi-reserve-config.component.html',
+  styleUrls: ['./rbi-reserve-config.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class RbiReserveConfigComponent implements OnInit {
+  private organizationService = inject(OrganizationService);
+
+  /**
+   * Which return's roles this screen configures, as the backend groups them: 'RESERVE' for Form 1
+   * and Form 9, 'OSS1', 'OSS2'. Null shows every role.
+   *
+   * A screen per return rather than one screen for all of them: the four roles that drive CRR and
+   * the thirty that do not are separate decisions, made by different people at different times,
+   * and a single list makes each one harder to find than it is to make.
+   */
+  protected readonly group: string | null = 'RESERVE';
+
+  /** Whether the CRR/SLR percentages belong on this screen. Only the reserve returns have rates. */
+  protected readonly showRates: boolean = true;
+
+  glRoles: any[] = [];
+
+  /** The roles grouped by the return they feed, in backend order. */
+  roleGroups: { name: string; label: string; roles: any[] }[] = [];
+
+  /** Which group's roles are on screen. Unused when the screen is scoped to one group. */
+  activeGroup = '';
+  rates: any[] = [];
+  glAccountOptions: any[] = [];
+
+  loading = true;
+  savingKey: string | null = null;
+  savingRate = false;
+  errorMsg = '';
+  successMsg = '';
+
+  /**
+   * Draft of the per-role mapping, keyed by role. Committed on Save.
+   *
+   * A mapping is an account plus the portion of it the role takes and, on a liability head, which
+   * head that portion falls under. It is not a plain list of account ids because one account can
+   * appear twice under one role: RBI treats part of a savings balance as a demand liability and the
+   * rest as time, which is two rows against the same account.
+   */
+  selection: Record<string, ReserveMapping[]> = {};
+
+  /** The heads a liability can fall under, and the label each carries on screen. */
+  readonly liabilityClasses = [
+    { value: 'DEMAND', label: 'Demand' },
+    { value: 'TIME', label: 'Time' }
+  ];
+
+  /**
+   * How a head an administrator adds is consumed by the return.
+   *
+   * MAINTAINED and SLR_ASSET are separate because the two returns admit different assets: CRR is
+   * met in cash and balances with banks, SLR in cash, gold and approved securities. One option for
+   * both would let a head meant for Form 1 quietly satisfy Form 9.
+   */
+  readonly roleUsages = [
+    { value: 'LIABILITY', label: 'Liability — adds to the DTL base (Form 1 & 9)' },
+    { value: 'ASSET_NET', label: 'Asset — netted off the base to give NDTL (Form 1 & 9)' },
+    { value: 'MAINTAINED', label: 'Counts toward CRR maintained (Form 1)' },
+    { value: 'SLR_ASSET', label: 'Counts toward SLR maintained (Form 9)' },
+    { value: 'MEMO', label: 'Memo — shown on the return but totals nothing' }
+  ];
+
+  /** New-head form. */
+  newRole: { label: string; description: string; usage: string } = { label: '', description: '', usage: 'LIABILITY' };
+  addingRole = false;
+  showAddRole = false;
+
+  /** New-rate form. Defaults to today so the common case is one edit and Save. */
+  newRate: { rateType: string; percentage: number | null; effectiveFrom: string } = {
+    rateType: 'CRR',
+    percentage: null,
+    effectiveFrom: new Date().toISOString().slice(0, 10)
+  };
+
+  ngOnInit(): void {
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.errorMsg = '';
+    forkJoin({
+      config: this.organizationService.getRbiReserveConfig().pipe(catchError(() => of(null))),
+      template: this.organizationService.getRbiReserveConfigTemplate().pipe(catchError(() => of(null)))
+    }).subscribe(({ config, template }: any) => {
+      this.loading = false;
+      if (!config) {
+        this.errorMsg = 'Could not load RBI reserve configuration.';
+        return;
+      }
+      this.applyConfig(config);
+      this.glAccountOptions = template?.glAccountOptions || [];
+    });
+  }
+
+  private applyConfig(config: any): void {
+    const allRoles = config.glRoles || [];
+    // Scoped to this screen's return before anything else, so every count, warning and Save on the
+    // page speaks about the roles the user can actually see.
+    this.glRoles = this.group ? allRoles.filter((r: any) => r.group === this.group) : allRoles;
+    this.rates = config.rates || [];
+    this.selection = {};
+    for (const role of this.glRoles) {
+      // Read back what is stored rather than re-derived: a weight or a class the administrator set
+      // deliberately would otherwise be replaced by a default on the next save.
+      this.selection[role.configKey] = (role.accounts || []).map((a: any) => ({
+        glAccountId: a.glAccountId,
+        weightPercentage: a.weightPercentage === null || a.weightPercentage === undefined ? 100 : +a.weightPercentage,
+        liabilityClass: a.liabilityClass ?? (role.classified ? 'TIME' : null)
+      }));
+    }
+    this.rebuildGroups();
+  }
+
+  /**
+   * The roles split by the return they feed, so one screen can configure four returns without
+   * presenting thirty-four roles as a single list where the four that drive CRR are lost among
+   * the thirty that do not.
+   *
+   * Built from the group the backend states rather than from a key prefix: a role's grouping is
+   * part of what the return means, and duplicating that rule here would let the two drift.
+   */
+  private rebuildGroups(): void {
+    const byGroup = new Map<string, { label: string; roles: any[] }>();
+    for (const role of this.glRoles) {
+      const group = role.group || 'OTHER';
+      if (!byGroup.has(group)) {
+        byGroup.set(group, { label: role.groupLabel || group, roles: [] });
+      }
+      byGroup.get(group)!.roles.push(role);
+    }
+    this.roleGroups = [...byGroup.entries()].map(
+      ([
+        name,
+        entry
+      ]) => ({ name, label: entry.label, roles: entry.roles })
+    );
+
+    // Keep the open tab if it still exists, so saving a role does not throw the user back to the
+    // first tab with their place lost.
+    if (!this.roleGroups.some((g) => g.name === this.activeGroup)) {
+      this.activeGroup = this.roleGroups[0]?.name ?? '';
+    }
+  }
+
+  /** Tabs only earn their place when the screen shows more than one return's roles. */
+  get showTabs(): boolean {
+    return this.roleGroups.length > 1;
+  }
+
+  /** Heading and blurb, overridden per return by the screens scoped to one. */
+  get screenTitle(): string {
+    return 'RBI Reserve Configuration';
+  }
+
+  get screenSubtitle(): string {
+    return (
+      'The CRR and SLR percentages, and the GL accounts that RBI Form 1 (CRR, fortnightly) and Form 9 (SLR, monthly) ' +
+      'read their figures from. A rate applies to a base — so a role left unmapped stops its return computing rather ' +
+      'than reporting a nil figure that looks real.'
+    );
+  }
+
+  /** A role with nothing mapped makes its return refuse to compute — surfaced, not hidden. */
+  isUnmapped(role: any): boolean {
+    return !(this.selection[role.configKey] || []).length;
+  }
+
+  get unmappedCount(): number {
+    return this.glRoles.filter((r) => this.isUnmapped(r)).length;
+  }
+
+  /** Unmapped roles within one group, so each tab carries its own count. */
+  unmappedIn(group: { roles: any[] }): number {
+    return group.roles.filter((r) => this.isUnmapped(r)).length;
+  }
+
+  showGroup(name: string): void {
+    this.activeGroup = name;
+  }
+
+  get visibleRoles(): any[] {
+    return this.roleGroups.find((g) => g.name === this.activeGroup)?.roles ?? [];
+  }
+
+  /** True once the draft differs from what is stored, so Save is only offered when useful. */
+  isDirty(role: any): boolean {
+    const key = (m: any) => `${m.glAccountId}/${m.liabilityClass ?? ''}/${+m.weightPercentage}`;
+    const stored = (role.accounts || [])
+      .map((a: any) => key({ ...a, weightPercentage: a.weightPercentage ?? 100 }))
+      .sort();
+    const draft = (this.selection[role.configKey] || []).map(key).sort();
+    return stored.length !== draft.length || stored.some((k: string, i: number) => k !== draft[i]);
+  }
+
+  /** Adds an empty row for this role, for the administrator to pick an account into. */
+  addMapping(role: any): void {
+    // Defaults to the whole balance, and to Time on a liability head. Understating demand is the
+    // conservative default: demand attracts the heavier treatment, so a forgotten class cannot make
+    // a bank look compliant when it is not.
+    this.selection[role.configKey] = [
+      ...(this.selection[role.configKey] || []),
+      { glAccountId: null as any, weightPercentage: 100, liabilityClass: role.classified ? 'TIME' : null }];
+  }
+
+  removeMapping(role: any, index: number): void {
+    this.selection[role.configKey] = (this.selection[role.configKey] || []).filter((_, i) => i !== index);
+  }
+
+  /**
+   * Accounts still selectable in a given row: everything not already used by ANOTHER row under the
+   * same head. The same account under a different head is left available, because a demand slice and
+   * a time slice of one savings account are two different figures, not a duplicate.
+   */
+  availableAccounts(role: any, index: number): any[] {
+    const rows = this.selection[role.configKey] || [];
+    const taken = new Set(rows.filter((_, i) => i !== index).map((m) => `${m.glAccountId}/${m.liabilityClass ?? ''}`));
+    const current = rows[index];
+    return this.glAccountOptions.filter((o) => !taken.has(`${o.id}/${current?.liabilityClass ?? ''}`));
+  }
+
+  /** A row that cannot be saved - no account chosen, or a portion outside 0-100. */
+  isRowInvalid(mapping: ReserveMapping): boolean {
+    const weight = +mapping.weightPercentage;
+    return !mapping.glAccountId || isNaN(weight) || weight < 0 || weight > 100;
+  }
+
+  /** Whether any row of this role is incomplete, so Save is withheld rather than failing server-side. */
+  hasInvalidRows(role: any): boolean {
+    return (this.selection[role.configKey] || []).some((m) => this.isRowInvalid(m));
+  }
+
+  /**
+   * The demand and time subtotals this role's rows declare, as a share of the balances behind them.
+   *
+   * Shown because a split is easy to get wrong in a way no single row looks wrong in: two rows
+   * against one account that together take 90% of it silently drop a tenth of the balance out of the
+   * base, and only the total reveals it.
+   */
+  weightTotalFor(role: any, glAccountId: number): number {
+    return (this.selection[role.configKey] || [])
+      .filter((m) => m.glAccountId === glAccountId)
+      .reduce((sum, m) => sum + (+m.weightPercentage || 0), 0);
+  }
+
+  /** Accounts split across more than one row whose portions do not add up to the whole balance. */
+  unbalancedAccounts(role: any): { glAccountId: number; total: number }[] {
+    const rows = this.selection[role.configKey] || [];
+    const ids = [...new Set(rows.map((m) => m.glAccountId).filter((id) => !!id))];
+    return ids
+      .map((id) => ({ glAccountId: id, total: this.weightTotalFor(role, id) }))
+      .filter((e) => Math.abs(e.total - 100) > 0.0001);
+  }
+
+  saveRole(role: any): void {
+    this.savingKey = role.configKey;
+    this.errorMsg = '';
+    this.successMsg = '';
+    this.organizationService
+      .updateRbiReserveGlRole(
+        role.configKey,
+        (this.selection[role.configKey] || []).map((m) => ({
+          glAccountId: m.glAccountId,
+          weightPercentage: +m.weightPercentage,
+          // Sent as null off a liability head, so a class left over from a head that was retyped
+          // cannot travel with a figure the split does not apply to.
+          liabilityClass: role.classified ? m.liabilityClass : null
+        }))
+      )
+      .pipe(
+        catchError((err: any) => {
+          this.savingKey = null;
+          this.errorMsg = err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not save this mapping.';
+          return of(null);
+        })
+      )
+      .subscribe((res: any) => {
+        this.savingKey = null;
+        if (!res) {
+          return;
+        }
+        this.applyConfig(res);
+        this.successMsg = `${this.roleLabel(role)} updated.`;
+      });
+  }
+
+  saveRate(): void {
+    if (this.newRate.percentage === null || !this.newRate.effectiveFrom) {
+      this.errorMsg = 'Enter a percentage and an effective date.';
+      return;
+    }
+    this.savingRate = true;
+    this.errorMsg = '';
+    this.successMsg = '';
+    this.organizationService
+      .upsertRbiReserveRate(this.newRate.rateType, this.newRate.percentage, this.newRate.effectiveFrom)
+      .pipe(
+        catchError((err: any) => {
+          this.savingRate = false;
+          this.errorMsg = err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not save this rate.';
+          return of(null);
+        })
+      )
+      .subscribe((res: any) => {
+        this.savingRate = false;
+        if (!res) {
+          return;
+        }
+        this.applyConfig(res);
+        this.successMsg = `${this.newRate.rateType} rate saved.`;
+        this.newRate.percentage = null;
+      });
+  }
+
+  deleteRate(rate: any): void {
+    this.errorMsg = '';
+    this.successMsg = '';
+    this.organizationService
+      .deleteRbiReserveRate(rate.id)
+      .pipe(
+        catchError((err: any) => {
+          this.errorMsg = err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not remove this rate.';
+          return of(null);
+        })
+      )
+      .subscribe((res: any) => {
+        if (!res) {
+          return;
+        }
+        this.applyConfig(res);
+        this.successMsg = 'Rate removed.';
+      });
+  }
+
+  /** The rate a return filed today would use — the latest one already in effect. */
+  currentRate(rateType: string): any | null {
+    const today = new Date().toISOString().slice(0, 10);
+    const inForce = this.rates.filter((r) => r.rateType === rateType && r.effectiveFrom <= today);
+    return inForce.length ? inForce[0] : null;
+  }
+
+  ratesFor(rateType: string): any[] {
+    return this.rates.filter((r) => r.rateType === rateType);
+  }
+
+  /** A future-dated rate is on record but not yet applied — worth saying so explicitly. */
+  isFuture(rate: any): boolean {
+    return rate.effectiveFrom > new Date().toISOString().slice(0, 10);
+  }
+
+  /**
+   * A role's display name and how the return uses it, both as the backend states them.
+   *
+   * Taken from the response rather than from a table here: a role only exists because code
+   * computes something from it, and that code is what knows what it means. A copy in the screen
+   * would leave a newly added role showing as a raw key.
+   */
+  roleLabel(role: any): string {
+    return role?.label || role?.configKey || '';
+  }
+
+  /** Which return each role feeds, so the consequence of leaving one unmapped is visible. */
+  roleUsedBy(role: any): string {
+    return role?.usedBy || '';
+  }
+
+  glLabel(accountId: number): string {
+    const account = this.glAccountOptions.find((a) => a.id === accountId);
+    return account ? `${account.glCode} — ${account.name}` : `#${accountId}`;
+  }
+
+  // ── heads an administrator adds ──
+
+  /**
+   * Adds a head to this return. The bank's own chart decides what these are - a reserve, a tax
+   * payable, bills payable - so they are rows rather than a fixed list in code.
+   */
+  addRole(): void {
+    if (!this.newRole.label.trim()) {
+      this.errorMsg = 'Give the head a name.';
+      return;
+    }
+    this.addingRole = true;
+    this.errorMsg = '';
+    this.successMsg = '';
+    this.organizationService
+      .createRbiReserveRole({
+        label: this.newRole.label.trim(),
+        description: this.newRole.description.trim(),
+        // Added to the return this screen configures, so a head cannot land on a form the
+        // administrator is not looking at.
+        group: this.group ?? this.activeGroup,
+        usage: this.newRole.usage
+      })
+      .pipe(
+        catchError((err: any) => {
+          this.addingRole = false;
+          this.errorMsg = err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not add this head.';
+          return of(null);
+        })
+      )
+      .subscribe((res: any) => {
+        this.addingRole = false;
+        if (!res) {
+          return;
+        }
+        this.applyConfig(res);
+        this.successMsg = `${this.newRole.label.trim()} added. Map its GL accounts below.`;
+        this.newRole = { label: '', description: '', usage: 'LIABILITY' };
+        this.showAddRole = false;
+      });
+  }
+
+  /**
+   * Removes a head and everything mapped to it. Confirmed first: the figures it contributed leave
+   * the return with it, so a return filed after this will not agree with one filed before.
+   */
+  deleteRole(role: any): void {
+    if (!confirm(`Remove "${this.roleLabel(role)}" and its mapped accounts? Returns will stop counting it.`)) {
+      return;
+    }
+    this.errorMsg = '';
+    this.successMsg = '';
+    this.organizationService
+      .deleteRbiReserveRole(role.roleId)
+      .pipe(
+        catchError((err: any) => {
+          this.errorMsg = err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not remove this head.';
+          return of(null);
+        })
+      )
+      .subscribe((res: any) => {
+        if (!res) {
+          return;
+        }
+        this.applyConfig(res);
+        this.successMsg = 'Head removed.';
+      });
+  }
+
+  /** How a head is consumed, in words, for the screen to state next to it. */
+  usageLabel(usage: string): string {
+    return this.roleUsages.find((u) => u.value === usage)?.label ?? usage;
+  }
+}

src/app/organization/tds-config/tds-config.component.html

@@ -0,0 +1,216 @@
+<!--
+  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="rrc-container">
+  <div class="rrc-header">
+    <button mat-stroked-button [routerLink]="['/organization']" class="rrc-back">
+      <i class="fas fa-arrow-left"></i> Organization
+    </button>
+    <h2 class="rrc-header__title">TDS Configuration</h2>
+  </div>
+  <p class="rrc-sub">
+    Thresholds, rates and statutory references for TDS on deposit interest, per financial year, and the GL account
+    deducted tax is credited to. The TDS reports, the Form 121 register and each customer's Form 121 tab compute from
+    these figures only — a year not set up here is a year they refuse to compute.
+  </p>
+
+  @if (errorMsg) {
+    <div class="rrc-alert rrc-alert--error">{{ errorMsg }}</div>
+  }
+  @if (successMsg) {
+    <div class="rrc-alert rrc-alert--success">{{ successMsg }}</div>
+  }
+
+  @if (loading) {
+    <div class="rrc-loading">Loading…</div>
+  } @else {
+    <!-- ═══ GL ═══ -->
+    <div class="rrc-card">
+      <h3 class="rrc-card__title">GL account</h3>
+      <p class="rrc-card__hint">
+        Only postable liability accounts are listed. Nothing is preselected: the right account differs per chart of
+        accounts.
+      </p>
+
+      @for (role of glRoles; track role.configKey) {
+        <div class="rrc-role" [class.rrc-role--unmapped]="!role.glAccountId">
+          <div class="rrc-role__head">
+            <div>
+              <span class="rrc-role__name">{{ role.label }}</span>
+              <span class="rrc-key">{{ role.configKey }}</span>
+            </div>
+            @if (role.glAccountId) {
+              <span class="rrc-badge rrc-badge--mapped">{{ role.glCode }} · {{ role.glAccountName }}</span>
+            } @else {
+              <span class="rrc-badge rrc-badge--unmapped">Not mapped</span>
+            }
+          </div>
+          <p class="rrc-role__desc">{{ role.description }}</p>
+          <div class="tdc-gl">
+            <mat-form-field appearance="outline" subscriptSizing="dynamic" class="tdc-gl__field">
+              <mat-label>GL account</mat-label>
+              <mat-select [(ngModel)]="glSelection[role.configKey]" [disabled]="savingGl">
+                <mat-option [value]="null">— Not mapped —</mat-option>
+                @for (o of glAccountOptions; track o.id) {
+                  <mat-option [value]="o.id">{{ o.glCode }} · {{ o.name }}</mat-option>
+                }
+              </mat-select>
+            </mat-form-field>
+            <button
+              mat-raised-button
+              color="primary"
+              [disabled]="savingGl || !isGlDirty(role)"
+              (click)="saveGl(role)"
+            >
+              {{ savingGl ? 'Saving…' : 'Save' }}
+            </button>
+          </div>
+        </div>
+      }
+    </div>
+
+    <!-- ═══ Financial years ═══ -->
+    <div class="rrc-card">
+      <h3 class="rrc-card__title">Financial years</h3>
+      <p class="rrc-card__hint">
+        One entry per year, because the Finance Act fixes TDS per year and a return for an earlier year must keep quoting
+        that year's figures. Add the next year before 01 April, or TDS screens stop computing on that date.
+      </p>
+
+      <div class="rrc-tabs" role="tablist">
+        @for (y of years; track y.fy) {
+          <button
+            type="button"
+            role="tab"
+            class="rrc-tab"
+            [class.rrc-tab--active]="!isNew && draft?.fy === y.fy"
+            (click)="select(y)"
+          >
+            FY {{ y.fy }}
+            @if (y.seedDefault) {
+              <span class="rrc-tab__badge">confirm</span>
+            }
+          </button>
+        }
+        @if (isNew) {
+          <button type="button" role="tab" class="rrc-tab rrc-tab--active">New year</button>
+        } @else {
+          <button type="button" class="rrc-tab" (click)="startNewYear()">
+            <i class="fas fa-plus"></i> Add financial year
+          </button>
+        }
+      </div>
+
+      @if (draft) {
+        @if (draft.seedDefault && !isNew) {
+          <div class="rrc-alert rrc-alert--warn">
+            These figures were carried over from the values previously built into the application. Check them against
+            the Finance Act for FY {{ draft.fy }} and save to confirm.
+          </div>
+        }
+
+        @if (isNew) {
+          <div class="tdc-grid">
+            <mat-form-field appearance="outline" subscriptSizing="dynamic">
+              <mat-label>Financial year</mat-label>
+              <input matInput [(ngModel)]="draft.fy" placeholder="2027-28" />
+              @if (!fyValid) {
+                <mat-hint>Format: 2027-28</mat-hint>
+              } @else if (fyTaken) {
+                <mat-hint>FY {{ draft.fy }} is already configured</mat-hint>
+              }
+            </mat-form-field>
+          </div>
+        }
+
+        <h4 class="tdc-section">Thresholds &amp; rates</h4>
+        <div class="tdc-grid">
+          @for (f of rateFields; track f.key) {
+            <mat-form-field appearance="outline" subscriptSizing="dynamic">
+              <mat-label>{{ f.label }}</mat-label>
+              <input
+                matInput
+                type="number"
+                [min]="0"
+                [max]="f.kind === 'percent' ? 100 : null"
+                [step]="f.kind === 'percent' ? 0.0001 : 1"
+                [(ngModel)]="$any(draft)[f.key]"
+              />
+              @if (f.hint) {
+                <mat-hint>{{ f.hint }}</mat-hint>
+              }
+            </mat-form-field>
+          }
+        </div>
+        @if (noPanBelowRate) {
+          <div class="rrc-alert rrc-alert--warn">The rate without PAN cannot be lower than the rate with PAN.</div>
+        }
+
+        <h4 class="tdc-section">Declaration (Form 121 / 15G / 15H)</h4>
+        <div class="tdc-grid">
+          @for (f of declarationFields; track f.key) {
+            <mat-form-field appearance="outline" subscriptSizing="dynamic">
+              <mat-label>{{ f.label }}</mat-label>
+              @if (f.kind === 'select') {
+                <mat-select [(ngModel)]="$any(draft)[f.key]">
+                  @for (o of f.options; track o.value) {
+                    <mat-option [value]="o.value">{{ o.label }}</mat-option>
+                  }
+                </mat-select>
+              } @else {
+                <input matInput type="number" [min]="0" [(ngModel)]="$any(draft)[f.key]" />
+              }
+              @if (f.hint) {
+                <mat-hint>{{ f.hint }}</mat-hint>
+              }
+            </mat-form-field>
+          }
+        </div>
+
+        <h4 class="tdc-section">Statutory references</h4>
+        <p class="rrc-card__hint">Printed on the reports, certificates and returns for this year.</p>
+        <div class="tdc-grid">
+          @for (f of statuteFields; track f.key) {
+            <mat-form-field appearance="outline" subscriptSizing="dynamic">
+              <mat-label>{{ f.label }}</mat-label>
+              @if (f.kind === 'select') {
+                <mat-select [(ngModel)]="$any(draft)[f.key]">
+                  @for (o of f.options; track o.value) {
+                    <mat-option [value]="o.value">{{ o.label }}</mat-option>
+                  }
+                </mat-select>
+              } @else {
+                <input matInput [(ngModel)]="$any(draft)[f.key]" />
+              }
+            </mat-form-field>
+          }
+        </div>
+
+        <div class="rrc-role__controls">
+          <button mat-raised-button color="primary" [disabled]="!canSave" (click)="save()">
+            {{ saving ? 'Saving…' : isNew ? 'Add FY ' + draft.fy : 'Save FY ' + draft.fy }}
+          </button>
+          @if (isNew) {
+            <button mat-button (click)="cancelNew()">Cancel</button>
+          } @else if (years.length > 1) {
+            <button mat-button class="rrc-remove" (click)="deleteYear()">
+              <i class="fas fa-trash"></i> Remove FY {{ draft.fy }}
+            </button>
+          }
+          @if (draft.updatedOn && !isNew) {
+            <span class="rrc-card__hint">Last saved {{ draft.updatedOn | slice: 0 : 16 }}</span>
+          }
+        </div>
+      } @else {
+        <div class="rrc-alert rrc-alert--warn">
+          No financial year is configured. Every TDS screen is unable to compute until one is added.
+        </div>
+      }
+    </div>
+  }
+</div>

src/app/organization/tds-config/tds-config.component.scss

@@ -0,0 +1,34 @@
+/**
+ * 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/.
+ */
+
+/* Layout on top of the RBI reserve configuration styles this screen shares. */
+
+.tdc-section {
+  margin: 20px 0 10px;
+  font-size: 14px;
+  font-weight: 600;
+}
+
+.tdc-grid {
+  display: grid;
+  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
+  gap: 14px 16px;
+  margin-bottom: 8px;
+}
+
+.tdc-gl {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 12px;
+  align-items: center;
+
+  &__field {
+    flex: 1 1 320px;
+    max-width: 520px;
+  }
+}

src/app/organization/tds-config/tds-config.component.ts

@@ -0,0 +1,275 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { catchError, forkJoin, of } from 'rxjs';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import {
+  TdsConfigResponse,
+  TdsConfigService,
+  TdsFyConfigRecord,
+  TdsGlRole
+} from 'app/letter-mgmt/certificates/form-15gh/tds-config.service';
+
+/** One editable field of a financial year, as the form lays it out. */
+interface FieldDef {
+  key: keyof TdsFyConfigRecord;
+  label: string;
+  kind: 'amount' | 'percent' | 'int' | 'text' | 'select';
+  hint?: string;
+  options?: { value: string; label: string }[];
+}
+
+/**
+ * TDS on deposit interest: the thresholds, rates and statutory references for each financial year,
+ * and the GL account deducted tax is credited to.
+ *
+ * The TDS reports, the Form 121 register and the customer's Form 121 tab all compute from what is
+ * saved here - nothing about the tax is compiled into the screens. A year missing here is a year
+ * those screens refuse to compute.
+ */
+@Component({
+  selector: 'mifosx-tds-config',
+  templateUrl: './tds-config.component.html',
+  styleUrls: ['../rbi-reserve-config/rbi-reserve-config.component.scss', './tds-config.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class TdsConfigComponent implements OnInit {
+  private tdsConfig = inject(TdsConfigService);
+
+  loading = true;
+  saving = false;
+  savingGl = false;
+  errorMsg = '';
+  successMsg = '';
+
+  years: TdsFyConfigRecord[] = [];
+  glRoles: TdsGlRole[] = [];
+  glAccountOptions: { id: number; name: string; glCode: string }[] = [];
+
+  /** Year on screen, as a working copy - committed on Save. */
+  draft: TdsFyConfigRecord | null = null;
+  /** True while the draft is a year not yet saved. */
+  isNew = false;
+  newFy = '';
+
+  /** Draft GL selection per role. */
+  glSelection: Record<string, number | null> = {};
+
+  readonly rateFields: FieldDef[] = [
+    { key: 'thresholdGeneral', label: 'Threshold – general (₹)', kind: 'amount', hint: 'Payee below 60' },
+    { key: 'thresholdSenior', label: 'Threshold – senior citizen (₹)', kind: 'amount', hint: '60 at any time in the year' },
+    { key: 'ratePanPercentage', label: 'Rate – valid PAN (%)', kind: 'percent' },
+    { key: 'rateNoPanPercentage', label: 'Rate – PAN missing / invalid (%)', kind: 'percent' },
+    { key: 'lateDeductionPercentage', label: 'Late deduction interest (% per month)', kind: 'percent' },
+    { key: 'lateDepositPercentage', label: 'Late deposit interest (% per month)', kind: 'percent' },
+    { key: 'roundTo', label: 'Round TDS to nearest (₹)', kind: 'int', hint: '1 = nearest rupee' }
+  ];
+
+  readonly declarationFields: FieldDef[] = [
+    {
+      key: 'declarationForm',
+      label: 'Declaration form',
+      kind: 'select',
+      options: [
+        { value: '121', label: 'Form 121' },
+        { value: '15G', label: 'Form 15G / 15H' }
+      ]
+    },
+    { key: 'basicExemption', label: 'Basic exemption limit (₹)', kind: 'amount' },
+    { key: 'nilTaxCeiling', label: 'Nil-tax income ceiling (₹)', kind: 'amount' },
+    {
+      key: 'declarationStatementFrequency',
+      label: 'Declaration statement',
+      kind: 'select',
+      options: [
+        { value: 'MONTHLY', label: 'Monthly' },
+        { value: 'QUARTERLY', label: 'Quarterly' }
+      ]
+    },
+    { key: 'declarationStatementDueDay', label: 'Statement due on day', kind: 'int', hint: 'Of the following month / quarter' }
+  ];
+
+  readonly statuteFields: FieldDef[] = [
+    {
+      key: 'regime',
+      label: 'Governing Act',
+      kind: 'select',
+      options: [
+        { value: 'ITA_2025', label: 'Income Tax Act, 2025' },
+        { value: 'ITA_1961', label: 'Income-tax Act, 1961' }
+      ]
+    },
+    { key: 'interestTdsSection', label: 'Section charging TDS on interest', kind: 'text' },
+    { key: 'thresholdSection', label: 'Threshold section', kind: 'text' },
+    { key: 'noPanSection', label: 'No-PAN higher rate section', kind: 'text' },
+    { key: 'defaultSection', label: 'Default / late interest section', kind: 'text' },
+    { key: 'declarationSection', label: 'Declaration section', kind: 'text' },
+    { key: 'declarationRule', label: 'Declaration rule', kind: 'text' },
+    { key: 'tdsStatementForm', label: 'Quarterly TDS return', kind: 'text' },
+    { key: 'tdsStatementRule', label: 'TDS return rule', kind: 'text' },
+    { key: 'certificateForm', label: 'TDS certificate', kind: 'text' }
+  ];
+
+  ngOnInit(): void {
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.errorMsg = '';
+    forkJoin({
+      config: this.tdsConfig.load().pipe(catchError(() => of(null))),
+      template: this.tdsConfig.template().pipe(catchError(() => of(null)))
+    }).subscribe(({ config, template }) => {
+      this.loading = false;
+      if (!config) {
+        this.errorMsg = 'Could not load TDS configuration.';
+        return;
+      }
+      this.glAccountOptions = template?.glAccountOptions || [];
+      this.apply(config, this.draft?.fy);
+    });
+  }
+
+  private apply(config: TdsConfigResponse, keepFy?: string): void {
+    this.years = config.years || [];
+    this.glRoles = config.glRoles || [];
+    this.glSelection = {};
+    for (const role of this.glRoles) {
+      this.glSelection[role.configKey] = role.glAccountId;
+    }
+    const target = this.years.find((y) => y.fy === keepFy) ?? this.years[0] ?? null;
+    this.select(target);
+  }
+
+  select(year: TdsFyConfigRecord | null): void {
+    this.draft = year ? { ...year } : null;
+    this.isNew = false;
+  }
+
+  get unmappedGl(): TdsGlRole[] {
+    return this.glRoles.filter((r) => !r.glAccountId);
+  }
+
+  /** The year after the latest configured one, e.g. '2027-28' after '2026-27'. */
+  private nextFy(): string {
+    const latest = this.years[0]?.fy;
+    const start = latest ? Number(latest.slice(0, 4)) + 1 : new Date().getFullYear();
+    return `${start}-${String(start + 1).slice(2)}`;
+  }
+
+  /**
+   * Starts a new year from the latest one's figures. The law rarely changes all of them at once, so
+   * copying is the common case; nothing is saved until the administrator reviews and saves it.
+   */
+  startNewYear(): void {
+    const base = this.years[0];
+    this.newFy = this.nextFy();
+    this.draft = base
+      ? { ...base, id: undefined, fy: this.newFy, seedDefault: false, updatedOn: null }
+      : ({
+          fy: this.newFy,
+          regime: 'ITA_2025',
+          declarationForm: '121',
+          declarationStatementFrequency: 'MONTHLY',
+          roundTo: 1
+        } as TdsFyConfigRecord);
+    this.isNew = true;
+    this.successMsg = '';
+  }
+
+  cancelNew(): void {
+    this.select(this.years[0] ?? null);
+  }
+
+  get fyValid(): boolean {
+    const m = /^(\d{4})-(\d{2})$/.exec(this.draft?.fy ?? '');
+    return !!m && (Number(m[1]) + 1) % 100 === Number(m[2]);
+  }
+
+  get fyTaken(): boolean {
+    return this.isNew && this.years.some((y) => y.fy === this.draft?.fy);
+  }
+
+  /** The no-PAN rate is a penalty rate; below the ordinary rate it would reward a missing PAN. */
+  get noPanBelowRate(): boolean {
+    return !!this.draft && Number(this.draft.rateNoPanPercentage) < Number(this.draft.ratePanPercentage);
+  }
+
+  get canSave(): boolean {
+    return !!this.draft && this.fyValid && !this.fyTaken && !this.noPanBelowRate && !this.saving;
+  }
+
+  save(): void {
+    if (!this.draft || !this.canSave) {
+      return;
+    }
+    this.saving = true;
+    this.errorMsg = '';
+    this.successMsg = '';
+    const fy = this.draft.fy;
+    this.tdsConfig.saveYear(this.draft).subscribe({
+      next: (res) => {
+        this.saving = false;
+        this.apply(res, fy);
+        this.successMsg = `FY ${fy} saved. Every TDS screen now computes with these figures.`;
+      },
+      error: (err) => {
+        this.saving = false;
+        this.errorMsg = this.messageOf(err, `Could not save FY ${fy}.`);
+      }
+    });
+  }
+
+  deleteYear(): void {
+    if (!this.draft || this.isNew) {
+      return;
+    }
+    const fy = this.draft.fy;
+    if (!confirm(`Remove the TDS configuration for FY ${fy}? TDS screens will stop computing that year.`)) {
+      return;
+    }
+    this.tdsConfig.deleteYear(fy).subscribe({
+      next: (res) => {
+        this.apply(res);
+        this.successMsg = `FY ${fy} removed.`;
+      },
+      error: (err) => (this.errorMsg = this.messageOf(err, `Could not remove FY ${fy}.`))
+    });
+  }
+
+  saveGl(role: TdsGlRole): void {
+    this.savingGl = true;
+    this.errorMsg = '';
+    this.successMsg = '';
+    this.tdsConfig.saveGl(role.configKey, this.glSelection[role.configKey] ?? null).subscribe({
+      next: (res) => {
+        this.savingGl = false;
+        this.apply(res, this.draft?.fy);
+        this.successMsg = `${role.label} GL saved.`;
+      },
+      error: (err) => {
+        this.savingGl = false;
+        this.errorMsg = this.messageOf(err, `Could not save ${role.label} GL.`);
+      }
+    });
+  }
+
+  isGlDirty(role: TdsGlRole): boolean {
+    return (this.glSelection[role.configKey] ?? null) !== (role.glAccountId ?? null);
+  }
+
+  private messageOf(err: any, fallback: string): string {
+    return err?.error?.errors?.[0]?.defaultUserMessage || err?.error?.defaultUserMessage || fallback;
+  }
+}

src/app/organization/working-days/working-days.component.ts

@@ -23,6 +23,7 @@ import { OrganizationService } from '../organization.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { PopoverService } from '../../configuration-wizard/popover/popover.service';
 import { ConfigurationWizardService } from '../../configuration-wizard/configuration-wizard.service';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /** Custom Dialog Components */
 import { NextStepDialogComponent } from '../../configuration-wizard/next-step-dialog/next-step-dialog.component';
@@ -53,6 +54,7 @@ export class WorkingDaysComponent implements OnInit, AfterViewInit {
   private dialog = inject(MatDialog);
   private configurationWizardService = inject(ConfigurationWizardService);
   private popoverService = inject(PopoverService);
+  private alertService = inject(AlertService);
 
   /** Working days form. */
   workingDaysForm: UntypedFormGroup;
@@ -152,7 +154,13 @@ export class WorkingDaysComponent implements OnInit, AfterViewInit {
       }
     }
     workingDays.recurrence = recurrence;
-    this.organizationService.updateWorkingDays(workingDays).subscribe((response) => {
+    this.organizationService.updateWorkingDays(workingDays).subscribe((response: any) => {
+      if (response?.rollbackTransaction) {
+        this.alertService.alert({
+          type: 'Success',
+          message: 'Working Days update has been submitted for approval.'
+        });
+      }
       if (this.configurationWizardService.showDefineWorkingDays) {
         this.configurationWizardService.showDefineWorkingDays = false;
         this.openNextStepDialog();

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

@@ -50,6 +50,7 @@
       <div class="cp-tab-content">
         <mifosx-current-product-terms-step
           [CurrentProductsTemplate]="currentProductsTemplate"
+          [allowOverdraft]="settingsForm.get('allowOverdraft')"
         ></mifosx-current-product-terms-step>
       </div>
     </mat-tab>

src/app/products/current-products/current-product-stepper/current-product-accounting-step/current-product-accounting-step.component.ts

@@ -127,15 +127,11 @@ export class CurrentProductAccountingStepComponent implements OnInit {
 
   private patchAccountingValues(mappings: any) {
     this.CurrentProductAccountingForm.patchValue({
-      savingsReferenceAccountId: mappings.savingsReferenceAccount?.id || '',
       savingsControlAccountId: mappings.savingsControlAccount?.id || '',
-      transfersInSuspenseAccountId: mappings.transfersInSuspenseAccount?.id || '',
-      interestOnSavingsAccountId: mappings.interestOnSavingsAccount?.id || '',
       incomeFromFeeAccountId: mappings.incomeFromFeeAccount?.id || '',
       incomeFromPenaltyAccountId: mappings.incomeFromPenaltyAccount?.id || '',
       incomeFromInterestId: mappings.incomeFromInterest?.id || '',
       overdraftPortfolioControlId: mappings.overdraftPortfolioControl?.id || '',
-      writeOffAccountId: mappings.writeOffAccount?.id || '',
       feesReceivableAccountId: mappings.feeReceivableAccount?.id || '',
       penaltiesReceivableAccountId: mappings.penaltyReceivableAccount?.id || '',
       interestPayableAccountId: mappings.interestPayableAccount?.id || '',
@@ -267,14 +263,16 @@ export class CurrentProductAccountingStepComponent implements OnInit {
     };
 
     if (this.accounting.isCashOrAccrualAccountingRuleId(accountingRule)) {
-      addControl('savingsReferenceAccountId', true);
+      // A current account pays no interest, has no write-off and does not use a transfers suspense account, so
+      // Interest On Savings, Write Off and Transfers In Suspense are not mapped. The keys stay savings-named
+      // because the backend's GL mapping reads them under those names.
+      // No Current Reference either: a current account's cash side posts to the branch cash GL (Financial
+      // Activity: Cash at Main Vault / Teller), the same one the cashier screen uses.
+      removeControl('savingsReferenceAccountId');
       addControl('savingsControlAccountId', true);
-      addControl('transfersInSuspenseAccountId', true);
-      addControl('interestOnSavingsAccountId', true);
       addControl('incomeFromFeeAccountId', true);
       addControl('incomeFromPenaltyAccountId', true);
       addControl('incomeFromInterestId', true);
-      addControl('writeOffAccountId', true);
       addControl('overdraftPortfolioControlId', false);
 
       if (this.accounting.isAccrualAccountingRuleId(accountingRule)) {
@@ -297,12 +295,9 @@ export class CurrentProductAccountingStepComponent implements OnInit {
     } else {
       removeControl('savingsReferenceAccountId');
       removeControl('savingsControlAccountId');
-      removeControl('transfersInSuspenseAccountId');
-      removeControl('interestOnSavingsAccountId');
       removeControl('incomeFromFeeAccountId');
       removeControl('incomeFromPenaltyAccountId');
       removeControl('incomeFromInterestId');
-      removeControl('writeOffAccountId');
       removeControl('overdraftPortfolioControlId');
       removeControl('feesReceivableAccountId');
       removeControl('penaltiesReceivableAccountId');
@@ -345,14 +340,6 @@ export class CurrentProductAccountingStepComponent implements OnInit {
         pillLabel: 'Asset',
         pillClass: 'green',
         rows: [
-          {
-            key: 'savingsReferenceAccountId',
-            label: 'Savings Reference Account',
-            inputLabel: 'Savings reference account',
-            controlName: 'savingsReferenceAccountId',
-            options: this.assetAccountOptions,
-            required: true
-          },
           {
             key: 'overdraftPortfolioControlId',
             label: 'Overdraft Portfolio Control',
@@ -396,20 +383,12 @@ export class CurrentProductAccountingStepComponent implements OnInit {
         rows: [
           {
             key: 'savingsControlAccountId',
-            label: 'Savings Control Account',
-            inputLabel: 'Savings control account',
+            label: 'Current Control Account',
+            inputLabel: 'Current control account',
             controlName: 'savingsControlAccountId',
             options: this.liabilityAccountOptions,
             required: true
           },
-          {
-            key: 'transfersInSuspenseAccountId',
-            label: 'Transfers In Suspense Account',
-            inputLabel: 'Transfers in suspense account',
-            controlName: 'transfersInSuspenseAccountId',
-            options: this.liabilityAccountOptions,
-            required: true
-          },
           {
             key: 'interestPayableAccountId',
             label: 'Interest Payable Account',
@@ -430,32 +409,8 @@ export class CurrentProductAccountingStepComponent implements OnInit {
         otherMappingsControlName: 'liabilitiesOtherGlMappings',
         otherAccountOptions: this.liabilityAccountOptions
       },
-      {
-        key: 'expenses',
-        title: 'Expenses',
-        pillLabel: 'Expense',
-        pillClass: 'amber',
-        rows: [
-          {
-            key: 'interestOnSavingsAccountId',
-            label: 'Interest On Savings Account',
-            inputLabel: 'Interest on savings account',
-            controlName: 'interestOnSavingsAccountId',
-            options: this.expenseAccountOptions,
-            required: true
-          },
-          {
-            key: 'writeOffAccountId',
-            label: 'Write Off Account',
-            inputLabel: 'Write off account',
-            controlName: 'writeOffAccountId',
-            options: this.expenseAccountOptions,
-            required: true
-          }
-        ],
-        otherMappingsControlName: 'expensesOtherGlMappings',
-        otherAccountOptions: this.expenseAccountOptions
-      },
+      // No Expenses section: a current account pays no interest and has no write-off, so it maps no expense GL.
+      // The expensesOtherGlMappings control is kept, so an older product's saved expense mappings survive an edit.
       {
         key: 'income',
         title: 'Income',

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

@@ -162,29 +162,16 @@
     }}</span>
   </div>
 
+  <div class="flex-100 layout-row">
+    <span class="flex-40">Days in Year:</span>
+    <span class="flex-60">{{ CurrentProduct.interestCalculationDaysInYearType }} Days</span>
+  </div>
+
   <div class="flex-100 layout-row">
     <span class="flex-40">Auto Interest Post:</span>
     <span class="flex-60">{{ CurrentProduct.autoPost | yesNo }}</span>
   </div>
 
-  @if (
-    CurrentProduct.frequencyFixDay !== undefined &&
-    CurrentProduct.frequencyFixDay !== null &&
-    CurrentProduct.frequencyFixDay !== ''
-  ) {
-    <div class="flex-100 layout-row">
-      <span class="flex-40">Frequency (Fix Day):</span>
-      <span class="flex-60">{{ CurrentProduct.frequencyFixDay }} Days</span>
-    </div>
-  }
-
-  @if (CurrentProduct.lastInterestDate) {
-    <div class="flex-100 layout-row">
-      <span class="flex-40">Last Interest Date:</span>
-      <span class="flex-60">{{ CurrentProduct.lastInterestDate | dateFormat }}</span>
-    </div>
-  }
-
   <h3 class="mat-h3 flex-100">{{ 'labels.inputs.Settings' | translate }}</h3>
 
   <mat-divider class="flex-100"></mat-divider>
@@ -282,39 +269,58 @@
   </div>
 
   @if (CurrentProduct.allowOverdraft) {
-    @if (CurrentProduct.avgBalanceCalcPeriod) {
-      <div class="flex-100 layout-row">
-        <span class="flex-40">Avg Balance Calculation Period:</span>
-        <span class="flex-60">{{ CurrentProduct.avgBalanceCalcPeriod }}</span>
-      </div>
-    }
+    <div class="flex-100 layout-row">
+      <span class="flex-40">Maximum OD Limit:</span>
+      <span class="flex-60">₹ {{ CurrentProduct.overdraftLimit | formatNumber }}</span>
+    </div>
 
-    @if (CurrentProduct.validForPeriod) {
+    @if (CurrentProduct.odMinLimit) {
       <div class="flex-100 layout-row">
-        <span class="flex-40">Valid for Period:</span>
-        <span class="flex-60">{{ CurrentProduct.validForPeriod }}</span>
-      </div>
-    }
-
-    @if (CurrentProduct.overdraftLimit !== undefined && CurrentProduct.overdraftLimit !== '') {
-      <div class="flex-100 layout-row">
-        <span class="flex-40">OD Limit %:</span>
-        <span class="flex-60">{{ CurrentProduct.overdraftLimit }}</span>
-      </div>
-    }
-
-    @if (
-      CurrentProduct.nominalAnnualInterestRateOverdraft !== undefined &&
-      CurrentProduct.nominalAnnualInterestRateOverdraft !== ''
-    ) {
-      <div class="flex-100 layout-row">
-        <span class="flex-40">Interest on OD %:</span>
-        <span class="flex-60">{{ CurrentProduct.nominalAnnualInterestRateOverdraft }}</span>
+        <span class="flex-40">Minimum OD Limit:</span>
+        <span class="flex-60">₹ {{ CurrentProduct.odMinLimit | formatNumber }}</span>
       </div>
     }
 
     <div class="flex-100 layout-row">
-      <span class="flex-40">OD Account Closed with Zero Balance in Day Closing:</span>
+      <span class="flex-40">OD Security Type:</span>
+      <span class="flex-60">{{ CurrentProduct.odSecurityType | titlecase }}</span>
+    </div>
+
+    <div class="flex-100 layout-row">
+      <span class="flex-40">Sanction Validity:</span>
+      <span class="flex-60">{{ CurrentProduct.validForPeriod }}</span>
+    </div>
+
+    <div class="flex-100 layout-row">
+      <span class="flex-40">Excess Drawing Allowed:</span>
+      <span class="flex-60">{{ CurrentProduct.odExcessAllowed | yesNo }}</span>
+    </div>
+
+    @if (CurrentProduct.odExcessAllowed) {
+      <div class="flex-100 layout-row">
+        <span class="flex-40">Maximum Excess:</span>
+        <span class="flex-60">{{ CurrentProduct.odExcessLimitPercent }} % of limit</span>
+      </div>
+      <div class="flex-100 layout-row">
+        <span class="flex-40">Penal Charge on Excess:</span>
+        <span class="flex-60">{{ CurrentProduct.odPenalRate }} % p.a.</span>
+      </div>
+    }
+
+    <div class="flex-100 layout-row">
+      <span class="flex-40">OD Interest Rate:</span>
+      <span class="flex-60">{{ CurrentProduct.nominalAnnualInterestRateOverdraft }} % p.a.</span>
+    </div>
+
+    @if (CurrentProduct.minOverdraftForInterestCalculation) {
+      <div class="flex-100 layout-row">
+        <span class="flex-40">Minimum OD for Interest:</span>
+        <span class="flex-60">₹ {{ CurrentProduct.minOverdraftForInterestCalculation | formatNumber }}</span>
+      </div>
+    }
+
+    <div class="flex-100 layout-row">
+      <span class="flex-40">End OD Once Fully Repaid:</span>
       <span class="flex-60">{{ CurrentProduct.odAccountClosedZeroBalanceInDayClosing | yesNo }}</span>
     </div>
   }
@@ -453,15 +459,6 @@
 
       <div class="spa-gl-section">
         <h5 class="mat-h5">Assets</h5>
-        <div class="spa-gl-row">
-          <span class="spa-gl-row__label">Savings reference account</span>
-          <span class="spa-gl-row__value">{{
-            formatGlAccountById(
-              CurrentProduct.savingsReferenceAccountId,
-              CurrentProductsTemplate?.accountingMappingOptions.assetAccountOptions
-            )
-          }}</span>
-        </div>
         <div class="spa-gl-row">
           <span class="spa-gl-row__label">Overdraft portfolio control</span>
           <span class="spa-gl-row__value">{{
@@ -503,7 +500,7 @@
       <div class="spa-gl-section">
         <h5 class="mat-h5">Liabilities</h5>
         <div class="spa-gl-row">
-          <span class="spa-gl-row__label">Savings control account</span>
+          <span class="spa-gl-row__label">Current control account</span>
           <span class="spa-gl-row__value">{{
             formatGlAccountById(
               CurrentProduct.savingsControlAccountId,
@@ -511,15 +508,6 @@
             )
           }}</span>
         </div>
-        <div class="spa-gl-row">
-          <span class="spa-gl-row__label">Transfers in suspense account</span>
-          <span class="spa-gl-row__value">{{
-            formatGlAccountById(
-              CurrentProduct.transfersInSuspenseAccountId,
-              CurrentProductsTemplate?.accountingMappingOptions.liabilityAccountOptions
-            )
-          }}</span>
-        </div>
         <div class="spa-gl-row">
           <span class="spa-gl-row__label">Interest payable account</span>
           <span class="spa-gl-row__value">{{
@@ -542,28 +530,6 @@
         }
       </div>
 
-      <div class="spa-gl-section">
-        <h5 class="mat-h5">Expenses</h5>
-        <div class="spa-gl-row">
-          <span class="spa-gl-row__label">Interest on savings account</span>
-          <span class="spa-gl-row__value">{{
-            formatGlAccountById(
-              CurrentProduct.interestOnSavingsAccountId,
-              CurrentProductsTemplate?.accountingMappingOptions.expenseAccountOptions
-            )
-          }}</span>
-        </div>
-        <div class="spa-gl-row">
-          <span class="spa-gl-row__label">Write off account</span>
-          <span class="spa-gl-row__value">{{
-            formatGlAccountById(
-              CurrentProduct.writeOffAccountId,
-              CurrentProductsTemplate?.accountingMappingOptions.expenseAccountOptions
-            )
-          }}</span>
-        </div>
-      </div>
-
       <div class="spa-gl-section">
         <h5 class="mat-h5">Income</h5>
         <div class="spa-gl-row">

src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.html

@@ -110,72 +110,126 @@
       <span>Overdraft (OD) Facility</span>
     </div>
     <div class="sps-body">
+      <!-- "Is Overdraft Allowed" is ticked on the Terms tab; this section follows it. -->
+      @if (!CurrentProductSettingsForm.value.allowOverdraft) {
+        <p class="sps-od-check-hint">
+          Overdraft is not allowed on this product. Tick "Is Overdraft Allowed" on the Terms tab to set the OD limits.
+        </p>
+      }
       <div class="sps-od-layout">
         <!-- Left: checkboxes -->
         <div class="sps-od-checks">
-          <div class="sps-od-check-row">
-            <mat-checkbox formControlName="allowOverdraft">
-              <span>Is Overdraft Allowed</span>
-            </mat-checkbox>
-          </div>
           @if (CurrentProductSettingsForm.value.allowOverdraft) {
             <div class="sps-od-check-row">
               <mat-checkbox formControlName="odAccountClosedZeroBalanceInDayClosing">
-                <span>OD Account Closed with Zero Balance in Day Closing</span>
+                <span>End OD Once Fully Repaid (One-time OD only)</span>
               </mat-checkbox>
               <p class="sps-od-check-hint">
-                Automatically closes OD accounts when balance reaches zero during day-end closing.
+                At day-end, withdraws the OD sanction when the debit balance is cleared to zero. Only the OD ends, not
+                the account. Leave off for a regular OD: a customer who uses it and repays the same day would lose it.
               </p>
             </div>
           }
         </div>
 
-        <!-- Right: OD details panel — only visible when OD is allowed -->
+        <!-- Right: the OD scheme every account's sanction is held to — only visible when OD is allowed -->
         @if (CurrentProductSettingsForm.value.allowOverdraft) {
           <div class="sps-od-panel">
-            <div class="sps-od-radio-group">
-              <span class="sps-od-radio-label">Average Balance Calculation in Period</span>
-              <mat-radio-group formControlName="avgBalanceCalcPeriod" class="sps-od-radio-choices">
-                <mat-radio-button value="6M">6M</mat-radio-button>
-                <mat-radio-button value="1Y">1Y</mat-radio-button>
-                <mat-radio-button value="3Y">3Y</mat-radio-button>
-              </mat-radio-group>
-            </div>
-
-            <div class="sps-od-radio-group">
-              <span class="sps-od-radio-label">Valid for Period</span>
-              <mat-radio-group formControlName="validForPeriod" class="sps-od-radio-choices">
-                <mat-radio-button value="3M">3M</mat-radio-button>
-                <mat-radio-button value="1Y">1Y</mat-radio-button>
-                <mat-radio-button value="3Y">3Y</mat-radio-button>
-              </mat-radio-group>
-            </div>
-
             <div class="sps-od-inputs">
               <mat-form-field appearance="outline" class="sps-field">
-                <mat-label>OD Limit %</mat-label>
+                <mat-label>Maximum OD Limit (₹)</mat-label>
                 <input
                   type="number"
                   matInput
                   formControlName="overdraftLimit"
-                  placeholder="e.g. 15"
-                  min="0"
-                  step="0.01"
+                  placeholder="e.g. 500000"
+                  min="1"
+                  required
                 />
+                <mat-hint>Highest per account</mat-hint>
+                <mat-error>Enter the maximum OD limit</mat-error>
               </mat-form-field>
 
               <mat-form-field appearance="outline" class="sps-field">
-                <mat-label>Interest on OD %</mat-label>
-                <input
-                  type="number"
-                  matInput
-                  formControlName="nominalAnnualInterestRateOverdraft"
-                  placeholder="e.g. 8.5"
-                  min="0"
-                  step="0.01"
-                />
+                <mat-label>Minimum OD Limit (₹)</mat-label>
+                <input type="number" matInput formControlName="odMinLimit" placeholder="e.g. 10000" min="0" />
+                <mat-hint>Lowest per account</mat-hint>
+                @if (CurrentProductSettingsForm.get('odMinLimit')?.hasError('exceedsMax')) {
+                  <mat-error>Cannot exceed the maximum OD limit</mat-error>
+                } @else {
+                  <mat-error>Cannot be negative</mat-error>
+                }
               </mat-form-field>
             </div>
+
+            <div class="sps-od-radio-group">
+              <span class="sps-od-radio-label">OD Security Type</span>
+              <mat-radio-group formControlName="odSecurityType" class="sps-od-radio-choices">
+                @for (option of odSecurityTypeOptions; track option.value) {
+                  <mat-radio-button [value]="option.value">{{ option.label }}</mat-radio-button>
+                }
+              </mat-radio-group>
+              <p class="sps-od-check-hint">{{ selectedSecurityTypeHint }}</p>
+            </div>
+
+            <div class="sps-od-radio-group">
+              <span class="sps-od-radio-label">Sanction Validity</span>
+              <mat-radio-group formControlName="validForPeriod" class="sps-od-radio-choices">
+                @for (option of odValidityOptions; track option.value) {
+                  <mat-radio-button [value]="option.value">{{ option.label }}</mat-radio-button>
+                }
+              </mat-radio-group>
+            </div>
+
+            <div class="sps-od-radio-group">
+              <span class="sps-od-radio-label">Excess Drawing (Over Limit)</span>
+              <mat-checkbox formControlName="odExcessAllowed">
+                <span>Allow withdrawal beyond the sanctioned limit</span>
+              </mat-checkbox>
+              @if (!CurrentProductSettingsForm.value.odExcessAllowed) {
+                <p class="sps-od-check-hint">Off: a withdrawal that would cross the limit is refused.</p>
+              } @else {
+                <div class="sps-od-inputs">
+                  <mat-form-field appearance="outline" class="sps-field">
+                    <mat-label>Maximum Excess (% of limit)</mat-label>
+                    <input
+                      type="number"
+                      matInput
+                      formControlName="odExcessLimitPercent"
+                      placeholder="e.g. 10"
+                      min="0"
+                      step="0.01"
+                      required
+                    />
+                    <mat-hint>Beyond this, refused</mat-hint>
+                    <mat-error>Enter above 0% and up to 25%</mat-error>
+                  </mat-form-field>
+
+                  <mat-form-field appearance="outline" class="sps-field">
+                    <mat-label>Penal Charge on Excess (% p.a.)</mat-label>
+                    <input
+                      type="number"
+                      matInput
+                      formControlName="odPenalRate"
+                      placeholder="e.g. 2"
+                      min="0"
+                      step="0.01"
+                      required
+                    />
+                    <mat-hint>Only on the excess amount</mat-hint>
+                    <mat-error>Enter above 0% and up to 50%</mat-error>
+                  </mat-form-field>
+                </div>
+                @if (excessExample) {
+                  <p class="sps-od-check-hint">{{ excessExample }}</p>
+                }
+              }
+            </div>
+
+            <p class="sps-od-check-hint">
+              Each account is sanctioned its own limit within this range, valid for the period above. The OD interest
+              rate is set on the Terms tab.
+            </p>
           </div>
         }
       </div>

src/app/products/current-products/current-product-stepper/current-product-settings-step/current-product-settings-step.component.ts

@@ -7,7 +7,7 @@
  */
 
 import { Component, OnInit, Input, inject } from '@angular/core';
-import { UntypedFormGroup, UntypedFormBuilder, Validators } from '@angular/forms';
+import { AbstractControl, UntypedFormGroup, UntypedFormBuilder, ValidationErrors, Validators } from '@angular/forms';
 import { MatCheckbox } from '@angular/material/checkbox';
 import { MatRadioGroup, MatRadioButton } from '@angular/material/radio';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -40,6 +40,21 @@ export class CurrentProductSettingsStepComponent implements OnInit {
     { id: 'YEARS', value: 'value.years' }
   ];
 
+  /** How long an OD sanction on this product runs before it must be renewed. */
+  odValidityOptions = [
+    { value: '3M', label: '3 Months' },
+    { value: '6M', label: '6 Months' },
+    { value: '1Y', label: '1 Year' },
+    { value: '2Y', label: '2 Years' },
+    { value: '3Y', label: '3 Years' }
+  ];
+
+  odSecurityTypeOptions = [
+    { value: 'CLEAN', label: 'Clean', hint: 'No security needed' },
+    { value: 'SECURED', label: 'Secured', hint: 'Against FD lien, property, etc.' },
+    { value: 'BOTH', label: 'Both', hint: 'Decided at each sanction' }
+  ];
+
   constructor() {
     this.createCurrentProductSettingsForm();
     this.setConditionalControls();
@@ -72,14 +87,15 @@ export class CurrentProductSettingsStepComponent implements OnInit {
       daysToEscheat: isEditing
         ? this.CurrentProductsTemplate.daysToEscheat || DORMANCY_DEFAULTS.daysToEscheat
         : DORMANCY_DEFAULTS.daysToEscheat,
-      // Overdraft fields
+      // Overdraft scheme (the OD interest rate lives on the Terms tab)
       allowOverdraft: isEditing ? (this.CurrentProductsTemplate.allowOverdraft ?? false) : false,
       overdraftLimit: isEditing ? this.CurrentProductsTemplate.overdraftLimit : '',
-      nominalAnnualInterestRateOverdraft: isEditing
-        ? this.CurrentProductsTemplate.nominalAnnualInterestRateOverdraft
-        : '',
-      avgBalanceCalcPeriod: isEditing ? this.CurrentProductsTemplate.avgBalanceCalcPeriod || '1Y' : '1Y',
-      validForPeriod: isEditing ? this.CurrentProductsTemplate.validForPeriod || '1Y' : '1Y',
+      odMinLimit: isEditing ? this.CurrentProductsTemplate.odMinLimit : '',
+      odSecurityType: isEditing ? this.CurrentProductsTemplate.odSecurityType || 'CLEAN' : 'CLEAN',
+      validForPeriod: this.validityOrDefault(isEditing ? this.CurrentProductsTemplate.validForPeriod : null),
+      odExcessAllowed: isEditing ? !!this.CurrentProductsTemplate.odExcessAllowed : false,
+      odExcessLimitPercent: isEditing ? this.CurrentProductsTemplate.odExcessLimitPercent : '',
+      odPenalRate: isEditing ? this.CurrentProductsTemplate.odPenalRate : '',
       odAccountClosedZeroBalanceInDayClosing: isEditing
         ? (this.CurrentProductsTemplate.odAccountClosedZeroBalanceInDayClosing ?? false)
         : false
@@ -123,23 +139,123 @@ export class CurrentProductSettingsStepComponent implements OnInit {
       daysToInactive: [DORMANCY_DEFAULTS.daysToInactive],
       daysToDormancy: [DORMANCY_DEFAULTS.daysToDormancy],
       daysToEscheat: [DORMANCY_DEFAULTS.daysToEscheat],
-      // Overdraft (OD) Facility
+      // Overdraft (OD) Facility: the scheme an account's OD sanction is held to
       allowOverdraft: [false],
-      overdraftLimit: [
-        '',
-        [Validators.min(0)]
-      ],
-      nominalAnnualInterestRateOverdraft: [
-        '',
-        [Validators.min(0)]
-      ],
-      avgBalanceCalcPeriod: ['1Y'],
+      overdraftLimit: [''],
+      odMinLimit: [''],
+      odSecurityType: ['CLEAN'],
       validForPeriod: ['1Y'],
+      // Excess drawing past the sanctioned limit: off means it is refused
+      odExcessAllowed: [false],
+      odExcessLimitPercent: [''],
+      odPenalRate: [''],
       odAccountClosedZeroBalanceInDayClosing: [false]
     });
   }
 
+  get selectedSecurityTypeHint(): string {
+    const selected = this.CurrentProductSettingsForm.get('odSecurityType')?.value;
+    return this.odSecurityTypeOptions.find((option) => option.value === selected)?.hint ?? '';
+  }
+
+  /** A worked example on the maximum limit, so the percentages read as rupees. */
+  get excessExample(): string {
+    const value = this.CurrentProductSettingsForm.value;
+    const limit = Number(value.overdraftLimit);
+    const percent = Number(value.odExcessLimitPercent);
+    const penal = Number(value.odPenalRate);
+    if (!limit || !percent) return '';
+    const excess = (limit * percent) / 100;
+    const inr = (n: number) => '₹' + n.toLocaleString('en-IN', { maximumFractionDigits: 2 });
+    let text = `On a ${inr(limit)} limit, up to ${inr(excess)} more may be drawn.`;
+    if (penal) {
+      text += ` If ${inr(excess)} stays over the limit for a day, the penal charge is ${inr((excess * penal) / 100 / 365)}.`;
+    }
+    return text;
+  }
+
+  private validityOrDefault(value: string | null): string {
+    return this.odValidityOptions.some((option) => option.value === value) ? value : '1Y';
+  }
+
+  /** The minimum sanction may not exceed the maximum. */
+  private odMinWithinMax = (control: AbstractControl): ValidationErrors | null => {
+    const max = Number(this.CurrentProductSettingsForm?.get('overdraftLimit')?.value);
+    const min = Number(control.value);
+    if (control.value === '' || control.value === null || !max) return null;
+    return min > max ? { exceedsMax: true } : null;
+  };
+
+  private applyOverdraftValidators(allowed: boolean) {
+    const max = this.CurrentProductSettingsForm.get('overdraftLimit');
+    const min = this.CurrentProductSettingsForm.get('odMinLimit');
+    const security = this.CurrentProductSettingsForm.get('odSecurityType');
+    const validity = this.CurrentProductSettingsForm.get('validForPeriod');
+    if (allowed) {
+      max.setValidators([
+        Validators.required,
+        Validators.min(1)
+      ]);
+      min.setValidators([
+        Validators.min(0),
+        this.odMinWithinMax
+      ]);
+      security.setValidators([Validators.required]);
+      validity.setValidators([Validators.required]);
+    } else {
+      [
+        max,
+        min,
+        security,
+        validity
+      ].forEach((control) => control.clearValidators());
+    }
+    [
+      max,
+      min,
+      security,
+      validity
+    ].forEach((control) => control.updateValueAndValidity({ emitEvent: false }));
+    this.applyExcessValidators();
+  }
+
+  /** The excess cap and penal rate are required only while both OD and excess drawing are on. */
+  private applyExcessValidators() {
+    const form = this.CurrentProductSettingsForm;
+    const required = !!form.get('allowOverdraft').value && !!form.get('odExcessAllowed').value;
+    const percent = form.get('odExcessLimitPercent');
+    const penal = form.get('odPenalRate');
+    percent.setValidators(
+      required
+        ? [
+            Validators.required,
+            Validators.min(0.01),
+            Validators.max(25)
+          ]
+        : []
+    );
+    penal.setValidators(
+      required
+        ? [
+            Validators.required,
+            Validators.min(0.01),
+            Validators.max(50)
+          ]
+        : []
+    );
+    percent.updateValueAndValidity({ emitEvent: false });
+    penal.updateValueAndValidity({ emitEvent: false });
+  }
+
   setConditionalControls() {
+    this.CurrentProductSettingsForm.get('allowOverdraft').valueChanges.subscribe((allowed: boolean) =>
+      this.applyOverdraftValidators(!!allowed)
+    );
+    this.CurrentProductSettingsForm.get('odExcessAllowed').valueChanges.subscribe(() => this.applyExcessValidators());
+    this.CurrentProductSettingsForm.get('overdraftLimit').valueChanges.subscribe(() =>
+      this.CurrentProductSettingsForm.get('odMinLimit').updateValueAndValidity({ emitEvent: false })
+    );
+
     this.CurrentProductSettingsForm.get('enableLockinPeriod').valueChanges.subscribe((enabled: boolean) => {
       const freq = this.CurrentProductSettingsForm.get('lockinPeriodFrequency');
       const type = this.CurrentProductSettingsForm.get('lockinPeriodFrequencyType');
@@ -168,10 +284,15 @@ export class CurrentProductSettingsStepComponent implements OnInit {
 
     if (!formValue.allowOverdraft) {
       delete formValue.overdraftLimit;
-      delete formValue.nominalAnnualInterestRateOverdraft;
-      delete formValue.avgBalanceCalcPeriod;
+      delete formValue.odMinLimit;
+      delete formValue.odSecurityType;
       delete formValue.validForPeriod;
       delete formValue.odAccountClosedZeroBalanceInDayClosing;
+      delete formValue.odExcessAllowed;
+    }
+    if (!formValue.allowOverdraft || !formValue.odExcessAllowed) {
+      delete formValue.odExcessLimitPercent;
+      delete formValue.odPenalRate;
     }
 
     return formValue;

src/app/products/current-products/current-product-stepper/current-product-terms-step/current-product-terms-step.component.html

@@ -13,20 +13,76 @@
       <span>Interest On OD</span>
     </div>
     <div class="spt-body">
-      <mat-form-field appearance="outline" class="spt-field" style="max-width: 320px">
-        <mat-label>Interest Posting Frequency *</mat-label>
-        <mat-select formControlName="interestPostingPeriodType" required>
-          @for (item of interestPostingPeriodTypeData; track item) {
-            <mat-option [value]="item.id">
-              {{ item.value | translateKey: 'catalogs' }}
-            </mat-option>
-          }
-        </mat-select>
-        <mat-error>
-          Interest Posting Frequency {{ 'labels.commons.is' | translate }}
-          <strong>{{ 'labels.commons.required' | translate }}</strong>
-        </mat-error>
-      </mat-form-field>
+      @if (allowOverdraftControl) {
+        <div class="spt-toggle-card">
+          <mat-checkbox [formControl]="allowOverdraftControl">
+            <span>Is Overdraft Allowed</span>
+          </mat-checkbox>
+        </div>
+      }
+      @if (!isOverdraftAllowed) {
+        <div class="spt-note">
+          <span>ℹ️</span>
+          <span>Tick "Is Overdraft Allowed" to set the OD interest rate. The OD limits are set on the Settings tab.</span>
+        </div>
+      }
+
+      <div class="spt-footer__grid">
+        @if (isOverdraftAllowed) {
+          <mat-form-field appearance="outline" class="spt-field">
+            <mat-label>OD Interest Rate (% p.a.)</mat-label>
+            <input
+              type="number"
+              matInput
+              formControlName="nominalAnnualInterestRateOverdraft"
+              placeholder="e.g. 12.5"
+              min="0"
+              step="0.01"
+              required
+            />
+            <mat-hint>Charged on the debit balance</mat-hint>
+            <mat-error>Enter a rate above 0% and up to 50%</mat-error>
+          </mat-form-field>
+
+          <mat-form-field appearance="outline" class="spt-field">
+            <mat-label>Minimum OD for Interest (₹)</mat-label>
+            <input
+              type="number"
+              matInput
+              formControlName="minOverdraftForInterestCalculation"
+              placeholder="e.g. 100"
+              min="0"
+            />
+            <mat-hint>No interest while the debit balance is below this</mat-hint>
+            <mat-error>Cannot be negative</mat-error>
+          </mat-form-field>
+        }
+
+        <mat-form-field appearance="outline" class="spt-field">
+          <mat-label>Interest Posting Frequency</mat-label>
+          <mat-select formControlName="interestPostingPeriodType" required>
+            @for (item of interestPostingPeriodTypeData; track item.id) {
+              <mat-option [value]="item.id">
+                {{ item.value | translateKey: 'catalogs' }}
+              </mat-option>
+            }
+          </mat-select>
+          <mat-hint>Monthly, as RBI requires for advances</mat-hint>
+          <mat-error>
+            Interest Posting Frequency {{ 'labels.commons.is' | translate }}
+            <strong>{{ 'labels.commons.required' | translate }}</strong>
+          </mat-error>
+        </mat-form-field>
+
+        <mat-form-field appearance="outline" class="spt-field">
+          <mat-label>Days in Year</mat-label>
+          <mat-select formControlName="interestCalculationDaysInYearType">
+            @for (item of daysInYearData; track item.id) {
+              <mat-option [value]="item.id">{{ item.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
 
       <div class="spt-footer">
         <div class="spt-footer__grid">
@@ -43,25 +99,17 @@
               }
             </div>
           </div>
-
-          <mat-form-field appearance="outline" class="spt-field">
-            <mat-label>Frequency (Fix Day)</mat-label>
-            <input type="number" matInput formControlName="frequencyFixDay" />
-            <mat-hint>Days</mat-hint>
-          </mat-form-field>
-
-          <mat-form-field appearance="outline" class="spt-field">
-            <mat-label>Last Interest Date</mat-label>
-            <input matInput [matDatepicker]="lastInterestDatePicker" formControlName="lastInterestDate" />
-            <mat-datepicker-toggle matSuffix [for]="lastInterestDatePicker"></mat-datepicker-toggle>
-            <mat-datepicker #lastInterestDatePicker></mat-datepicker>
-          </mat-form-field>
         </div>
 
-        <div class="spt-note">
-          <span>⚠️</span>
-          <span>Daily product-based interest accrual enabled — interest calculated EOD on daily closing balance.</span>
-        </div>
+        @if (isOverdraftAllowed) {
+          <div class="spt-note">
+            <span>ℹ️</span>
+            <span>
+              Rule: daily OD interest = end-of-day debit balance × rate ÷ days in year, applied to the account at the
+              posting frequency.
+            </span>
+          </div>
+        }
       </div>
     </div>
   </div>

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

@@ -7,12 +7,21 @@
  */
 
 import { Component, OnInit, Input, inject } from '@angular/core';
-import { UntypedFormGroup, UntypedFormBuilder, Validators } from '@angular/forms';
+import { AbstractControl, UntypedFormControl, UntypedFormGroup, UntypedFormBuilder, Validators } from '@angular/forms';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
-import { Dates } from 'app/core/utils/dates';
-import { SettingsService } from 'app/settings/settings.service';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
+/** Posting-period ids an OD's interest may be applied on: RBI requires monthly for advances; quarterly is the outer limit. */
+const OD_POSTING_PERIOD_IDS = [
+  4,
+  5
+];
+
+/**
+ * Interest on OD: the rate and rules an overdraft on this product is charged by. Interest is worked out daily on the
+ * end-of-day debit balance and applied to the account at the posting frequency. The fields apply only when the
+ * Settings tab allows an overdraft, so allowOverdraft (that tab's control) switches their validators on and off.
+ */
 @Component({
   selector: 'mifosx-current-product-terms-step',
   templateUrl: './current-product-terms-step.component.html',
@@ -24,14 +33,18 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 })
 export class CurrentProductTermsStepComponent implements OnInit {
   private formBuilder = inject(UntypedFormBuilder);
-  private dateUtils = inject(Dates);
-  private settingsService = inject(SettingsService);
 
   @Input() CurrentProductsTemplate: any;
+  /** The Settings tab's allowOverdraft control. */
+  @Input() allowOverdraft: AbstractControl;
 
   CurrentProductTermsForm: UntypedFormGroup;
 
   interestPostingPeriodTypeData: any[] = [];
+  daysInYearData: Array<{ id: number; label: string }> = [
+    { id: 365, label: '365 Days (Actual)' },
+    { id: 360, label: '360 Days' }
+  ];
   yesNoOptions: Array<{ value: boolean; label: string }> = [
     { value: true, label: 'Yes' },
     { value: false, label: 'No' }
@@ -41,29 +54,59 @@ export class CurrentProductTermsStepComponent implements OnInit {
     this.createCurrentProductTermsForm();
   }
 
+  get isOverdraftAllowed(): boolean {
+    return !!this.allowOverdraft?.value;
+  }
+
+  /**
+   * The Settings tab's own control, so the box can be ticked here without going to that tab first; the two
+   * checkboxes are one control and always agree.
+   */
+  get allowOverdraftControl(): UntypedFormControl | null {
+    return this.allowOverdraft instanceof UntypedFormControl ? this.allowOverdraft : null;
+  }
+
   ngOnInit() {
-    this.interestPostingPeriodTypeData = this.CurrentProductsTemplate.interestPostingPeriodTypeOptions || [];
+    const postingOptions: any[] = this.CurrentProductsTemplate.interestPostingPeriodTypeOptions || [];
+    const odPostingOptions = postingOptions.filter((option: any) => OD_POSTING_PERIOD_IDS.includes(option.id));
+    this.interestPostingPeriodTypeData = odPostingOptions.length ? odPostingOptions : postingOptions;
     this.setYesNoOptions(this.CurrentProductsTemplate?.yesNoOptions);
 
     const isEditing = !!this.CurrentProductsTemplate.id;
+    const defaultPosting =
+      this.interestPostingPeriodTypeData.find((option: any) => option.id === 4)?.id ??
+      this.interestPostingPeriodTypeData[0]?.id ??
+      '';
+    const storedPosting = this.CurrentProductsTemplate.interestPostingPeriodType?.id;
+    const storedDaysInYear = this.CurrentProductsTemplate.interestCalculationDaysInYearType?.id;
+    const storedPostingOffered = this.interestPostingPeriodTypeData.some((option: any) => option.id === storedPosting);
 
     this.CurrentProductTermsForm.patchValue({
-      interestPostingPeriodType: this.CurrentProductsTemplate.interestPostingPeriodType?.id || '',
-      autoPost: isEditing ? (this.CurrentProductsTemplate.autoPost ?? true) : true,
-      frequencyFixDay: isEditing ? (this.CurrentProductsTemplate.frequencyFixDay ?? 30) : 30,
-      lastInterestDate: this.parseDate(this.CurrentProductsTemplate.lastInterestDate)
+      interestPostingPeriodType: storedPostingOffered ? storedPosting : defaultPosting,
+      interestCalculationDaysInYearType: storedDaysInYear === 360 ? 360 : 365,
+      nominalAnnualInterestRateOverdraft: isEditing ? this.CurrentProductsTemplate.nominalAnnualInterestRateOverdraft : '',
+      minOverdraftForInterestCalculation: isEditing ? this.CurrentProductsTemplate.minOverdraftForInterestCalculation : '',
+      autoPost: isEditing ? (this.CurrentProductsTemplate.autoPost ?? true) : true
     });
+
+    // The Settings tab patches allowOverdraft in its own ngOnInit, after this one, so follow its changes as well as
+    // its current value.
+    this.applyOverdraftValidators(this.isOverdraftAllowed);
+    this.allowOverdraft?.valueChanges.subscribe((allowed: boolean) => this.applyOverdraftValidators(!!allowed));
   }
 
-  private parseDate(dateValue: any): Date | null {
-    if (!dateValue) return null;
-    if (Array.isArray(dateValue)) {
-      return new Date(dateValue[0], dateValue[1] - 1, dateValue[2]);
-    }
-    if (dateValue instanceof Date) {
-      return dateValue;
-    }
-    return new Date(dateValue);
+  private applyOverdraftValidators(allowed: boolean) {
+    const rate = this.CurrentProductTermsForm.get('nominalAnnualInterestRateOverdraft');
+    rate.setValidators(
+      allowed
+        ? [
+            Validators.required,
+            Validators.min(0.01),
+            Validators.max(50)
+          ]
+        : [Validators.min(0)]
+    );
+    rate.updateValueAndValidity({ emitEvent: false });
   }
 
   private setYesNoOptions(options: any[]) {
@@ -90,23 +133,25 @@ export class CurrentProductTermsStepComponent implements OnInit {
         '',
         Validators.required
       ],
-      autoPost: [true],
-      frequencyFixDay: [
-        30,
+      interestCalculationDaysInYearType: [365],
+      nominalAnnualInterestRateOverdraft: [
+        '',
         [Validators.min(0)]
       ],
-      lastInterestDate: ['']
+      minOverdraftForInterestCalculation: [
+        '',
+        [Validators.min(0)]
+      ],
+      autoPost: [true]
     });
   }
 
   get CurrentProductTerms() {
     const formValue = { ...this.CurrentProductTermsForm.value };
-    const dateFormat = this.settingsService.dateFormat;
-
-    if (formValue.lastInterestDate instanceof Date) {
-      formValue.lastInterestDate = this.dateUtils.formatDate(formValue.lastInterestDate, dateFormat) || '';
+    if (!this.isOverdraftAllowed) {
+      delete formValue.nominalAnnualInterestRateOverdraft;
+      delete formValue.minOverdraftForInterestCalculation;
     }
-
-    return { ...formValue };
+    return formValue;
   }
 }

src/app/products/current-products/edit-current-product/edit-current-product.component.html

@@ -50,6 +50,7 @@
       <div class="cp-tab-content">
         <mifosx-current-product-terms-step
           [CurrentProductsTemplate]="currentProductAndTemplate"
+          [allowOverdraft]="settingsForm.get('allowOverdraft')"
         ></mifosx-current-product-terms-step>
       </div>
     </mat-tab>

src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.html

@@ -257,16 +257,10 @@
           </span>
         </div>
       }
-      @if (currentProduct.frequencyFixDay) {
+      @if (currentProduct.interestCalculationDaysInYearType?.id) {
         <div class="vsp-kv">
-          <span class="vsp-k">Frequency Fix Day</span>
-          <span class="vsp-v">{{ currentProduct.frequencyFixDay }}</span>
-        </div>
-      }
-      @if (currentProduct.lastInterestDate) {
-        <div class="vsp-kv">
-          <span class="vsp-k">Last Interest Date</span>
-          <span class="vsp-v">{{ currentProduct.lastInterestDate | dateFormat }}</span>
+          <span class="vsp-k">Days in Year</span>
+          <span class="vsp-v">{{ currentProduct.interestCalculationDaysInYearType.id }} Days</span>
         </div>
       }
     </div>
@@ -396,37 +390,57 @@
           <span class="vsp-k">{{
             'labels.inputs.Minimum Overdraft Required for Interest Calculation' | translate
           }}</span>
-          <span class="vsp-v">{{ currentProduct.minOverdraftForInterestCalculation | formatNumber }}</span>
+          <span class="vsp-v">₹ {{ currentProduct.minOverdraftForInterestCalculation | formatNumber }}</span>
         </div>
       }
       @if (currentProduct.nominalAnnualInterestRateOverdraft) {
         <div class="vsp-kv">
           <span class="vsp-k">{{ 'labels.inputs.Nominal Annual Interest for Overdraft' | translate }}</span>
-          <span class="vsp-v">{{ currentProduct.nominalAnnualInterestRateOverdraft | formatNumber }} %</span>
+          <span class="vsp-v">{{ currentProduct.nominalAnnualInterestRateOverdraft | formatNumber }} % p.a.</span>
         </div>
       }
       @if (currentProduct.overdraftLimit) {
         <div class="vsp-kv">
           <span class="vsp-k">{{ 'labels.inputs.Maximum Overdraft Amount Limit' | translate }}</span>
-          <span class="vsp-v">{{ currentProduct.overdraftLimit | formatNumber }}</span>
+          <span class="vsp-v">₹ {{ currentProduct.overdraftLimit | formatNumber }}</span>
         </div>
       }
       @if (currentProduct.allowOverdraft) {
-        @if (currentProduct.avgBalanceCalcPeriod) {
+        @if (currentProduct.odMinLimit) {
           <div class="vsp-kv">
-            <span class="vsp-k">Average Balance Calculation Period</span>
-            <span class="vsp-v">{{ currentProduct.avgBalanceCalcPeriod }}</span>
+            <span class="vsp-k">Minimum OD Limit</span>
+            <span class="vsp-v">₹ {{ currentProduct.odMinLimit | formatNumber }}</span>
+          </div>
+        }
+        @if (currentProduct.odSecurityType) {
+          <div class="vsp-kv">
+            <span class="vsp-k">OD Security Type</span>
+            <span class="vsp-v">{{ currentProduct.odSecurityType | titlecase }}</span>
           </div>
         }
         @if (currentProduct.validForPeriod) {
           <div class="vsp-kv">
-            <span class="vsp-k">Valid for Period</span>
+            <span class="vsp-k">Sanction Validity</span>
             <span class="vsp-v">{{ currentProduct.validForPeriod }}</span>
           </div>
         }
+        <div class="vsp-kv">
+          <span class="vsp-k">Excess Drawing Allowed</span>
+          <span class="vsp-v">{{ currentProduct.odExcessAllowed | yesNo }}</span>
+        </div>
+        @if (currentProduct.odExcessAllowed) {
+          <div class="vsp-kv">
+            <span class="vsp-k">Maximum Excess</span>
+            <span class="vsp-v">{{ currentProduct.odExcessLimitPercent | formatNumber }} % of limit</span>
+          </div>
+          <div class="vsp-kv">
+            <span class="vsp-k">Penal Charge on Excess</span>
+            <span class="vsp-v">{{ currentProduct.odPenalRate | formatNumber }} % p.a.</span>
+          </div>
+        }
         @if (currentProduct.odAccountClosedZeroBalanceInDayClosing !== undefined) {
           <div class="vsp-kv">
-            <span class="vsp-k">OD Account Closed with Zero Balance in Day Closing</span>
+            <span class="vsp-k">End OD Once Fully Repaid</span>
             <span class="vsp-v">{{ currentProduct.odAccountClosedZeroBalanceInDayClosing | yesNo }}</span>
           </div>
         }
@@ -588,10 +602,34 @@
       <div class="vsp-section-ic vsp-section-ic--green"><fa-icon icon="book"></fa-icon></div>
       <h3>{{ 'labels.heading.Accounting' | translate }}</h3>
     </div>
-    <mifosx-view-savings-accounting-details
-      [accountingRule]="currentProduct.accountingRule"
-      [accountingMappings]="currentProduct.accountingMappings"
-    ></mifosx-view-savings-accounting-details>
+    <!--
+      The current product's own mappings only, under current-account names. The shared savings view is not used:
+      it labels everything as savings and lists savings-only GLs (Saving reference, Interest on savings...), and
+      while current and savings products share mapping rows by id it would show a savings product's GLs here.
+      There is no cash (reference) GL: a current account's cash side posts to the branch cash GL.
+    -->
+    <div class="vsp-grid">
+      <div class="vsp-kv">
+        <span class="vsp-k">Type</span>
+        <span class="vsp-v">{{ currentProduct.accountingRule?.value || 'Cash' }}</span>
+      </div>
+      <div class="vsp-kv">
+        <span class="vsp-k">Cash GL (deposit / withdrawal)</span>
+        <span class="vsp-v">Branch cash GL — Financial Activity: Cash at Main Vault / Teller</span>
+      </div>
+      @for (gl of currentAccountingRows; track gl.label) {
+        <div class="vsp-kv">
+          <span class="vsp-k">{{ gl.label }}</span>
+          <span class="vsp-v">
+            @if (gl.account) {
+              ({{ gl.account.glCode }}) {{ gl.account.name }}
+            } @else {
+              —
+            }
+          </span>
+        </div>
+      }
+    </div>
   </section>
 
   <!-- OTHER GL MAPPINGS -->

src/app/products/current-products/view-current-product/current-product-general-tab/current-product-general-tab.component.ts

@@ -22,7 +22,6 @@ import {
   MatRowDef,
   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';
@@ -47,7 +46,6 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatHeaderRow,
     MatRowDef,
     MatRow,
-    ViewSavingsAccountingDetailsComponent,
     DateFormatPipe,
     FormatNumberPipe,
     YesnoPipe
@@ -102,4 +100,20 @@ export class CurrentProductGeneralTabComponent {
   isCashOrAccrualAccounting(): boolean {
     return this.accounting.isCashOrAccrualAccounting(this.currentProduct.accountingRule);
   }
+
+  /** The GLs a current product maps, by the names the Accounting tab gives them. */
+  get currentAccountingRows(): Array<{ label: string; account: any }> {
+    const m = this.currentProduct?.accountingMappings || {};
+    const rows = [
+      { label: 'Current Control (Liability)', account: m.savingsControlAccount },
+      { label: 'Overdraft Portfolio Control (Asset)', account: m.overdraftPortfolioControl },
+      { label: 'Income From Fees', account: m.incomeFromFeeAccount },
+      { label: 'Income From Penalties', account: m.incomeFromPenaltyAccount },
+      { label: 'Income From Interest', account: m.incomeFromInterest }
+    ];
+    if (this.currentProduct?.isDormancyTrackingActive) {
+      rows.push({ label: 'Escheat Liability', account: m.escheatLiabilityAccount });
+    }
+    return rows;
+  }
 }

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

@@ -308,6 +308,11 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
     setRequired('incomeFromPenaltyAccountId', cashOrAccrual);
     setRequired('feesReceivableAccountId', accrualOnly);
     setRequired('penaltiesReceivableAccountId', accrualOnly);
+    // Required only on accrual, where there is no posting without it. On cash it stays optional but
+    // is offered, because interest posting routes through it when the product names one (see
+    // AccountingProcessorHelper.createInterestPostingJournalEntriesForSavings): the payable carries
+    // interest declared but not yet credited, and a product that names none collapses straight to
+    // Savings Control instead.
     setRequired('interestPayableAccountId', accrualOnly);
     setRequired('escheatLiabilityId', cashOrAccrual && this.isDormancyTrackingEnabled());
 
@@ -326,8 +331,8 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
         rows: [
           {
             key: 'savingsReferenceAccountId',
-            label: 'Savings Reference Account',
-            inputLabel: 'Savings reference account',
+            label: 'Fixed Deposit Reference Account',
+            inputLabel: 'Fixed deposit reference account',
             controlName: 'savingsReferenceAccountId',
             options: this.assetAccountOptions,
             required: true
@@ -360,8 +365,8 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
         rows: [
           {
             key: 'savingsControlAccountId',
-            label: 'Savings Control Account',
-            inputLabel: 'Savings control account',
+            label: 'Fixed Deposit Control Account',
+            inputLabel: 'Fixed deposit control account',
             controlName: 'savingsControlAccountId',
             options: this.liabilityAccountOptions,
             required: true
@@ -375,12 +380,16 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
             required: true
           },
           {
+            // Offered on cash accounting too, not only accrual: interest posting routes through
+            // this account whichever basis the product uses, so that interest declared but not yet
+            // credited to the member reads as the bank's own liability rather than appearing only
+            // when it is paid. Optional on cash - a product naming none posts straight to Savings
+            // Control as before.
             key: 'interestPayableAccountId',
             label: 'Interest Payable Account',
             inputLabel: 'Interest payable account',
             controlName: 'interestPayableAccountId',
-            options: this.liabilityAccountOptions,
-            accrualOnly: true
+            options: this.liabilityAccountOptions
           },
           {
             key: 'escheatLiabilityId',
@@ -402,8 +411,8 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
         rows: [
           {
             key: 'interestOnSavingsAccountId',
-            label: 'Interest On Savings Account',
-            inputLabel: 'Interest on savings account',
+            label: 'Interest On Fixed Deposits',
+            inputLabel: 'Interest on fixed deposits',
             controlName: 'interestOnSavingsAccountId',
             options: this.expenseAccountOptions,
             required: true

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

@@ -481,6 +481,7 @@
     <mifosx-view-savings-accounting-details
       [accountingRule]="accountingRule"
       [accountingMappings]="accountingMappings"
+      productLabel="Fixed deposit"
     ></mifosx-view-savings-accounting-details>
   }
 

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

@@ -74,6 +74,7 @@ export class FixedDepositProductTermsStepComponent implements OnInit, OnChanges
     this.periodFrequencyData = this.fixedDepositProductsTemplate.periodFrequencyTypeOptions || [];
 
     const isEditing = !!this.fixedDepositProductsTemplate.id;
+    const defaultPeriodTypeId = this.periodFrequencyData[0]?.id ?? null;
     const defaultAveragePeriod = this.averagePeriodData[0]?.value || 'Monthly';
     const savedEnumTypeId =
       this.fixedDepositProductsTemplate.interestCalculationType?.id || this.interestCalculationTypeData?.[0]?.id || 1;
@@ -84,12 +85,16 @@ export class FixedDepositProductTermsStepComponent implements OnInit, OnChanges
       : (this.interestCalculationTypeOptionData?.[0]?.id ?? null);
 
     this.fixedDepositProductTermsForm.patchValue({
-      // Hidden, unedited-by-anyone fields -- left blank (like their max-/in-multiples-of- siblings
-      // already correctly are) rather than forced to a real default, or every single product edit
-      // submitted a "real" value against a product that had none, and a checker's "Proposed changes"
-      // review showed these two as "changed" on every unrelated edit, never anything a maker touched.
-      minDepositTerm: this.fixedDepositProductsTemplate.minDepositTerm ?? '',
-      minDepositTermTypeId: this.fixedDepositProductsTemplate.minDepositTermType?.id ?? '',
+      // Hidden, unedited-by-anyone fields. On EDIT, left as the product's own saved value with no
+      // forced fallback (like their max-/in-multiples-of- siblings already correctly are), or a
+      // checker's "Proposed changes" review showed these as changed on every unrelated edit, never
+      // anything a maker touched. On CREATE there is no saved value yet, and the backend requires
+      // minDepositTerm -- default it (and its unit) here same as before, since the field is hidden
+      // and no one gets a chance to fill it in themselves.
+      minDepositTerm: isEditing ? (this.fixedDepositProductsTemplate.minDepositTerm ?? '') : 1,
+      minDepositTermTypeId: isEditing
+        ? (this.fixedDepositProductsTemplate.minDepositTermType?.id ?? '')
+        : defaultPeriodTypeId,
       maxDepositTerm: this.fixedDepositProductsTemplate.maxDepositTerm ?? '',
       maxDepositTermTypeId: this.fixedDepositProductsTemplate.maxDepositTermType?.id ?? '',
       inMultiplesOfDepositTerm: this.fixedDepositProductsTemplate.inMultiplesOfDepositTerm ?? '',

src/app/products/fixed-deposit-products/view-fixed-deposit-product/fixed-deposit-general-tab/fixed-deposit-general-tab.component.html

@@ -607,6 +607,7 @@
       <mifosx-view-savings-accounting-details
         [accountingRule]="fixedDepositProductData.accountingRule"
         [accountingMappings]="fixedDepositProductData.accountingMappings"
+        productLabel="Fixed deposit"
       ></mifosx-view-savings-accounting-details>
     }
   </section>

src/app/rbi-circulars/oss-live/oss-return.base.ts

@@ -0,0 +1,426 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { inject } from '@angular/core';
+import { Observable, catchError, of } from 'rxjs';
+import * as ExcelJS from 'exceljs';
+import { RbiCircularsService } from '../rbi-circulars.service';
+import {
+  addBanner,
+  boxAllCells,
+  downloadWorkbook,
+  newWorkbook,
+  solidFill,
+  XL
+} from '../oss-workbook';
+
+/** One GL account behind a return line. */
+export interface OssAccount {
+  glAccountId: number;
+  glCode: string;
+  name: string;
+  /** Null when the account is pinned but not countable — see `excluded`. */
+  balance: number | null;
+  /** Set when the account is still mapped but left out: disabled, or a header. */
+  excluded?: 'disabled' | 'header';
+}
+
+/** One line of a return, as the backend computes it. */
+export interface OssLine {
+  label: string;
+  /** Null on derived rows and headcounts — they are not mapped to accounts. */
+  roleKey: string | null;
+  configured: boolean;
+  /** Null when the role has no accounts mapped. Never 0 in that case. */
+  amount: number | null;
+  accounts: OssAccount[];
+  /** Derived row, summed from the roles it names. */
+  subtotal?: boolean;
+  /** Headcount rather than a rupee amount. */
+  count?: boolean;
+  /** Roles a subtotal is summed from. */
+  components?: string[];
+}
+
+/** Which sheet of the return is on screen. */
+export type OssTab = 'general' | 'figures' | 'signatory';
+
+/** A `label -> value` row on the General Information sheet. */
+export interface OssGeneralInfoRow {
+  label: string;
+  value: string;
+  /** False when the particular is not maintained in the institution profile. */
+  configured: boolean;
+}
+
+export interface OssSignatory {
+  heading: string;
+  name: string;
+  designation: string;
+  email: string;
+  telephoneOffice: string;
+  place: string;
+  date: string;
+}
+
+/** The whole return, as the backend computes it. */
+export interface OssReturn {
+  returnCode: string;
+  returnName: string;
+  reportingFrequency: string;
+  generalInfo: OssGeneralInfoRow[];
+  quarter: { label: string; startDate: string; endDate: string };
+  officeId: number | null;
+  officeName: string;
+  signatories: OssSignatory[];
+  basis: { asOnDate?: string; fromDate?: string; toDate?: string; note: string };
+  computable: boolean;
+  unmetRequirements: string[];
+  // OSS 1 only.
+  liabilities?: OssLine[];
+  assets?: OssLine[];
+  totalLiabilities?: number;
+  totalAssets?: number;
+  balanced?: boolean;
+  imbalance?: number;
+  // OSS 2 only.
+  earnings?: OssLine[];
+  expenses?: OssLine[];
+  totalIncome?: number;
+  totalExpenditure?: number;
+  operatingProfit?: number;
+}
+
+/**
+ * Shared behaviour for the live OSS returns — OSS 1 (RAL) and OSS 2 (RoE).
+ *
+ * Nothing is computed in the browser. Every figure, and the bank's own particulars, come from one
+ * endpoint that reads them from the ledger and the institution profile; re-deriving anything here
+ * would produce a second set of numbers that could disagree with the filed return.
+ */
+export abstract class OssReturnBase {
+  protected rbiService = inject(RbiCircularsService);
+
+  /** Which return to fetch. */
+  protected abstract fetch(quarterEndDate: string): Observable<any>;
+
+  /** Filename stem for the Excel export. */
+  protected abstract readonly exportStem: string;
+
+  /** Where this return's own GL roles are configured. */
+  abstract readonly configRoute: string;
+  abstract readonly configLinkLabel: string;
+
+  /** 'OSS 1' / 'OSS 2', for the heading. */
+  abstract readonly returnShortName: string;
+
+  /**
+   * The one fact a filer needs before reading any figure — whether the return can be filed as it
+   * stands. Rendered as HTML so a figure inside it can be emphasised.
+   */
+  abstract get headline(): string;
+
+  /** Whether the headline states a problem, which decides how the banner reads. */
+  abstract get headlineIsBad(): boolean;
+
+  /** Sheets of the return, in the order RBI prints them. */
+  readonly tabs: { id: OssTab; label: string; icon: string }[] = [
+    { id: 'general', label: 'General Information', icon: 'info-circle' },
+    { id: 'figures', label: 'Figures', icon: 'university' },
+    { id: 'signatory', label: 'Signatory', icon: 'check-circle' }
+  ];
+
+  activeTab: OssTab = 'general';
+
+  showTab(tab: OssTab): void {
+    this.activeTab = tab;
+  }
+
+  /** Bank particulars for the header, read back from the General Information sheet. */
+  private info(label: string): string {
+    return this.data?.generalInfo.find((g) => g.label === label)?.value ?? '';
+  }
+
+  get bankName(): string {
+    return this.info('Bank Name');
+  }
+
+  get bankCode(): string {
+    return this.info('Bank Code');
+  }
+
+  /** The signatory block as caption/value pairs, in the order every OSS return prints them. */
+  signatoryFields(signatory: OssSignatory): { caption: string; value: string }[] {
+    return [
+      { caption: 'Name', value: signatory.name },
+      { caption: 'Designation', value: signatory.designation },
+      { caption: 'e-mail ID', value: signatory.email },
+      { caption: 'Tele. No. (O)', value: signatory.telephoneOffice },
+      { caption: 'Place', value: signatory.place },
+      { caption: 'Date', value: signatory.date }
+    ];
+  }
+
+  data: OssReturn | null = null;
+  loading = true;
+  errorMsg = '';
+  generating = false;
+
+  /** Any date in the quarter being reported; the backend resolves it to that quarter. */
+  quarterDate = new Date().toISOString().slice(0, 10);
+
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: any;
+
+  load(): void {
+    this.loading = true;
+    this.errorMsg = '';
+    this.fetch(this.quarterDate)
+      .pipe(
+        catchError((err: any) => {
+          this.errorMsg =
+            err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not compute this return from the ledger.';
+          return of(null);
+        })
+      )
+      .subscribe((res: OssReturn | null) => {
+        this.loading = false;
+        this.data = res;
+      });
+  }
+
+  onDateChange(): void {
+    this.load();
+  }
+
+  /** Jump to the quarter containing today. */
+  resetToToday(): void {
+    this.quarterDate = new Date().toISOString().slice(0, 10);
+    this.load();
+  }
+
+  // ── presentation helpers ──
+
+  amount(value: number | null | undefined): string {
+    if (value === null || value === undefined) {
+      return '—';
+    }
+    return value.toLocaleString('en-IN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+  }
+
+  count(value: number | null | undefined): string {
+    if (value === null || value === undefined) {
+      return '—';
+    }
+    return value.toLocaleString('en-IN');
+  }
+
+  protected toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    clearTimeout(this.toastTimer);
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
+
+  // ── Excel export ──
+
+  /**
+   * Exports the return as it stands: the same figures the screen shows, the basis, and the
+   * account-level breakdown, so a reviewer can trace any total back to the accounts behind it.
+   */
+  async exportWorkbook(): Promise<void> {
+    if (!this.data) {
+      return;
+    }
+    this.generating = true;
+    try {
+      const wb = newWorkbook();
+      this.buildGeneralInfoSheet(wb);
+      this.buildFiguresSheet(wb);
+      this.buildSignatorySheet(wb);
+
+      await downloadWorkbook(wb, `${this.exportStem}_${this.data.quarter.endDate}.xlsx`);
+      this.toast('Workbook downloaded.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private buildGeneralInfoSheet(wb: ExcelJS.Workbook): void {
+    const sheet = wb.addWorksheet('General Information');
+    sheet.columns = [
+      { width: 34 },
+      { width: 52 }];
+    addBanner(sheet, 'General Information', 'B');
+
+    const start = sheet.rowCount + 1;
+    for (const row of this.data!.generalInfo) {
+      const r = sheet.addRow([
+        row.label,
+        row.value
+      ]);
+      r.getCell(1).font = { bold: true };
+      r.getCell(1).fill = solidFill(XL.keyCell);
+      // A particular that is not maintained is flagged rather than left looking filled in.
+      if (!row.configured) {
+        r.getCell(2).font = { italic: true, color: { argb: 'FFB06000' } };
+      }
+    }
+    const scope = sheet.addRow([
+      'Office scope',
+      this.data!.officeName
+    ]);
+    scope.getCell(1).font = { bold: true };
+    scope.getCell(1).fill = solidFill(XL.keyCell);
+    boxAllCells(sheet, start, sheet.rowCount, 2);
+  }
+
+  /** Each section of the return, with its account-level breakdown under every mapped line. */
+  protected abstract sections(): { title: string; unit: string; lines: OssLine[] }[];
+
+  /** Derived totals printed under the figures, in the order the return states them. */
+  protected abstract totals(): { label: string; value: number | null | undefined }[];
+
+  private buildFiguresSheet(wb: ExcelJS.Workbook): void {
+    const sheet = wb.addWorksheet('Figures');
+    sheet.columns = [
+      { width: 66 },
+      { width: 22 }];
+    addBanner(sheet, `${this.data!.returnName} — ${this.data!.quarter.label}`, 'B');
+
+    const noteRow = sheet.addRow([this.data!.basis.note]);
+    sheet.mergeCells(noteRow.number, 1, noteRow.number, 2);
+    noteRow.alignment = { wrapText: true };
+    noteRow.font = { size: 9, italic: true };
+    sheet.addRow([]);
+
+    for (const section of this.sections()) {
+      const start = sheet.rowCount + 1;
+      const head = sheet.addRow([
+        section.title,
+        section.unit
+      ]);
+      head.font = { bold: true };
+      head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+
+      for (const line of section.lines) {
+        const row = sheet.addRow([
+          line.label,
+          line.configured ? line.amount : 'Not configured'
+        ]);
+        row.getCell(1).alignment = { wrapText: true };
+        row.getCell(2).numFmt = line.count ? '#,##0' : '#,##0.00';
+        row.getCell(2).alignment = { horizontal: 'right' };
+        if (line.subtotal) {
+          row.font = { bold: true };
+          row.getCell(2).fill = solidFill(XL.derivedBlue);
+        }
+
+        // An excluded account is named with its reason rather than dropped: the workbook is what
+        // gets filed, so it must not read as complete when the figure is short by it.
+        for (const account of line.accounts) {
+          const sub = sheet.addRow([
+            `    ${account.glCode} — ${account.name}${account.excluded ? ` (excluded — ${account.excluded})` : ''}`,
+            account.excluded ? 'Excluded' : account.balance
+          ]);
+          sub.font = { size: 9, color: { argb: account.excluded ? 'FFB06000' : 'FF666666' } };
+          sub.getCell(2).numFmt = '#,##0.00';
+          sub.getCell(2).alignment = { horizontal: 'right' };
+        }
+      }
+      boxAllCells(sheet, start, sheet.rowCount, 2);
+      sheet.addRow([]);
+    }
+
+    const totalsStart = sheet.rowCount + 1;
+    for (const total of this.totals()) {
+      const row = sheet.addRow([
+        total.label,
+        total.value ?? null
+      ]);
+      row.font = { bold: true };
+      row.getCell(2).numFmt = '#,##0.00';
+      row.getCell(2).alignment = { horizontal: 'right' };
+      row.getCell(2).fill = solidFill(XL.derivedBlue);
+    }
+    boxAllCells(sheet, totalsStart, sheet.rowCount, 2);
+
+    // Caveats travel with the workbook, not only the screen: a return with unmapped roles is
+    // arithmetically right for what is mapped and still must not be filed as complete.
+    if (this.data!.unmetRequirements.length) {
+      sheet.addRow([]);
+      for (const reason of this.data!.unmetRequirements) {
+        const row = sheet.addRow([`Check before filing: ${reason}`]);
+        sheet.mergeCells(row.number, 1, row.number, 2);
+        row.font = { bold: true, size: 9 };
+        row.alignment = { wrapText: true };
+      }
+    }
+
+    sheet.views = [{ state: 'frozen', ySplit: 3 }];
+  }
+
+  private buildSignatorySheet(wb: ExcelJS.Workbook): void {
+    const sheet = wb.addWorksheet('Signatory');
+    sheet.columns = [
+      { width: 26 },
+      { width: 52 }];
+    addBanner(sheet, 'Signatory Information', 'B');
+
+    for (const signatory of this.data!.signatories) {
+      const start = sheet.rowCount + 1;
+      const heading = sheet.addRow([signatory.heading]);
+      sheet.mergeCells(heading.number, 1, heading.number, 2);
+      heading.font = { bold: true };
+      heading.getCell(1).fill = solidFill(XL.headerGrey);
+
+      for (const [
+        caption,
+        value
+      ] of [
+        [
+          'Name',
+          signatory.name
+        ],
+        [
+          'Designation',
+          signatory.designation
+        ],
+        [
+          'e-mail ID',
+          signatory.email
+        ],
+        [
+          'Tele. No. (O)',
+          signatory.telephoneOffice
+        ],
+        [
+          'Place',
+          signatory.place
+        ],
+        [
+          'Date',
+          signatory.date
+        ]
+      ]) {
+        const row = sheet.addRow([
+          caption,
+          value || 'Not set in Institution Profile'
+        ]);
+        row.getCell(1).font = { bold: true };
+        row.getCell(1).fill = solidFill(XL.keyCell);
+        if (!value) {
+          row.getCell(2).font = { italic: true, color: { argb: 'FFB06000' } };
+        }
+      }
+      boxAllCells(sheet, start, sheet.rowCount, 2);
+      sheet.addRow([]);
+    }
+  }
+}

src/app/rbi-circulars/oss-live/oss-return.component.html

@@ -0,0 +1,200 @@
+<!--
+  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="oss-root">
+  @if (loading) {
+    <div class="oss-section"><div class="oss-sheet-banner">Computing from the ledger…</div></div>
+  } @else if (errorMsg) {
+    <div class="oss-balance oss-balance--bad">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <span>{{ errorMsg }}</span>
+    </div>
+  } @else if (data) {
+    <!-- HEADER -->
+    <div class="oss-head">
+      <div class="oss-head-left">
+        <fa-icon icon="university" class="oss-head-ic"></fa-icon>
+        <div>
+          <h2 class="oss-head-t">{{ returnShortName }} — {{ data.returnName }}</h2>
+          <div class="oss-head-s">
+            {{ bankName }} &middot; Bank Code <strong>{{ bankCode }}</strong> &middot; Return Code
+            <strong>{{ data.returnCode }}</strong> &middot; Quarter ending <strong>{{ data.quarter.endDate }}</strong>
+          </div>
+        </div>
+      </div>
+      <div class="oss-head-right">
+        <span class="oss-audit-pill">{{ data.quarter.label }}</span>
+        <input
+          class="oss-gl-inp"
+          type="date"
+          [(ngModel)]="quarterDate"
+          (change)="onDateChange()"
+          title="Any date in the quarter to report"
+        />
+        <button class="oss-btn" (click)="resetToToday()">Today</button>
+        <button class="oss-btn oss-btn-xls" [disabled]="generating" (click)="exportWorkbook()">
+          <fa-icon icon="file-csv"></fa-icon>
+          {{ generating ? 'Generating…' : 'Generate Excel' }}
+        </button>
+      </div>
+    </div>
+
+    <!--
+      Headline state, in the same place on every return: the one fact a filer needs before reading
+      any figure. For OSS 1 that is whether the two sides balance; for OSS 2, the period's result.
+    -->
+    <div class="oss-balance" [class.oss-balance--bad]="headlineIsBad">
+      <fa-icon [icon]="headlineIsBad ? 'exclamation-triangle' : 'check-circle'"></fa-icon>
+      <span [innerHTML]="headline"></span>
+    </div>
+
+    <!-- TABS -->
+    <div class="oss-tabs">
+      @for (t of tabs; track t.id) {
+        <button class="oss-tab" [class.active]="activeTab === t.id" (click)="showTab(t.id)">
+          <fa-icon [icon]="t.icon"></fa-icon> {{ t.label }}
+        </button>
+      }
+    </div>
+
+    <!--
+      Caveats ride above the sheets rather than inside one, because a line left blank on any sheet
+      is a fact about the whole return. A head with nothing mapped is not always a fault: a bank
+      that holds no investments has no investment account to map, so the list says so rather than
+      reading as a list of mistakes.
+    -->
+    @if (data.unmetRequirements.length) {
+      <div class="oss-caveat">
+        <div class="oss-caveat-h">
+          <fa-icon icon="exclamation-triangle"></fa-icon>
+          <strong>
+            {{ data.unmetRequirements.length }}
+            {{ data.unmetRequirements.length === 1 ? 'line reports' : 'lines report' }} nothing — check before filing
+          </strong>
+        </div>
+        <p class="oss-caveat-lead">
+          These lines have no GL accounts behind them, so they are left blank rather than reported as nil. If the bank
+          genuinely has nothing under a head, leaving it unmapped is correct.
+        </p>
+        <ul class="oss-caveat-list">
+          @for (reason of data.unmetRequirements; track reason) {
+            <li>{{ reason }}</li>
+          }
+        </ul>
+        <a class="oss-caveat-link" [routerLink]="[configRoute]">{{ configLinkLabel }} &rarr;</a>
+      </div>
+    }
+
+    <!-- GENERAL INFORMATION -->
+    @if (activeTab === 'general') {
+      <div class="oss-section">
+        <div class="oss-sheet-banner">General Information</div>
+        <div class="oss-tbl-wrap">
+          <table class="oss-tbl oss-tbl--kv">
+            <tbody>
+              @for (item of data.generalInfo; track item.label) {
+                <tr>
+                  <th>{{ item.label }}</th>
+                  <td [class.filled]="item.configured" [class.oss-unset]="!item.configured">{{ item.value }}</td>
+                </tr>
+              }
+              <tr>
+                <th>Office scope</th>
+                <td class="filled">{{ data.officeName }}</td>
+              </tr>
+            </tbody>
+          </table>
+        </div>
+        <p class="oss-note">{{ data.basis.note }}</p>
+      </div>
+    }
+
+    <!-- FIGURES -->
+    @if (activeTab === 'figures') {
+      <div class="oss-section">
+        @for (section of sections(); track section.title) {
+          <div class="oss-sheet-banner">{{ section.title }}</div>
+          <div class="oss-tbl-wrap">
+            <table class="oss-tbl">
+              <thead>
+                <tr>
+                  <th>{{ section.title }}</th>
+                  <th class="ta-r">{{ section.unit }}</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (line of section.lines; track line.label) {
+                  <tr [class.total-row]="line.subtotal">
+                    <td [class]="line.subtotal ? 'lvl-0' : 'lvl-1'">{{ line.label }}</td>
+                    <td class="ta-r">
+                      @if (!line.configured) {
+                        <span class="oss-unset" title="No GL accounts mapped to this line">Not configured</span>
+                      } @else if (line.count) {
+                        {{ count(line.amount) }}
+                      } @else {
+                        {{ amount(line.amount) }}
+                      }
+                    </td>
+                  </tr>
+                  <!-- Account-level breakdown, so every total traces back to the accounts behind it. -->
+                  @for (account of line.accounts; track account.glAccountId) {
+                    <tr class="oss-subline" [class.oss-subline--excluded]="account.excluded">
+                      <td class="lvl-2">
+                        <span class="oss-gl-code">{{ account.glCode }}</span>
+                        {{ account.name }}
+                        @if (account.excluded) {
+                          <span class="oss-unset">excluded — {{ account.excluded }}</span>
+                        }
+                      </td>
+                      <td class="ta-r">{{ amount(account.balance) }}</td>
+                    </tr>
+                  }
+                }
+
+                @for (total of totals(); track total.label) {
+                  <tr class="total-row">
+                    <td class="lvl-0">{{ total.label }}</td>
+                    <td class="ta-r">{{ amount(total.value) }}</td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        }
+      </div>
+    }
+
+    <!-- SIGNATORY -->
+    @if (activeTab === 'signatory') {
+      <div class="oss-section">
+        <div class="oss-sheet-banner">Signatory Information</div>
+        @for (signatory of data.signatories; track signatory.heading) {
+          <div class="oss-tbl-wrap">
+            <div class="oss-tbl-h">{{ signatory.heading }}</div>
+            <table class="oss-tbl oss-tbl--kv">
+              <tbody>
+                @for (field of signatoryFields(signatory); track field.caption) {
+                  <tr>
+                    <th>{{ field.caption }}</th>
+                    <td [class.filled]="field.value" [class.oss-unset]="!field.value">
+                      {{ field.value || 'Not set in Institution Profile' }}
+                    </td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        }
+      </div>
+    }
+  }
+
+  @if (toastVisible) {
+    <div class="oss-toast show">{{ toastMsg }}</div>
+  }
+</div>

src/app/rbi-circulars/oss-live/oss1-live.component.ts

@@ -0,0 +1,106 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { Observable } from 'rxjs';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { OssLine, OssReturnBase } from './oss-return.base';
+
+/**
+ * OSS 1 — Return on Assets and Liabilities (RAL), return code R070.
+ *
+ * The bank's balance sheet restated on RBI's line structure, every figure read from the ledger as
+ * at the quarter end. Liabilities must equal assets; where they do not, the return says so rather
+ * than hiding the difference, because an imbalance is a real condition of the books that the filer
+ * has to see before filing.
+ */
+@Component({
+  selector: 'mifosx-oss1-live',
+  templateUrl: './oss-return.component.html',
+  styleUrls: ['../oss-return.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FaIconComponent,
+    FormsModule
+  ]
+})
+export class Oss1LiveComponent extends OssReturnBase implements OnInit {
+  protected readonly exportStem = 'RBI_OSS1_RAL';
+  readonly configRoute = '/organization/oss1-gl-config';
+  readonly configLinkLabel = 'Open OSS 1 GL Configuration';
+  readonly returnShortName = 'OSS 1';
+
+  /**
+   * Whether the two sides balance — the first thing to check on a balance sheet, and the reason
+   * the difference is stated rather than absorbed.
+   */
+  get headlineIsBad(): boolean {
+    return this.data?.balanced === false;
+  }
+
+  get headline(): string {
+    if (!this.data) {
+      return '';
+    }
+    const liabilities = this.amount(this.data.totalLiabilities);
+    const assets = this.amount(this.data.totalAssets);
+    if (!this.headlineIsBad) {
+      return (
+        `Total Liabilities <strong>&#8377;${liabilities}</strong> &middot; ` +
+        `Total Assets <strong>&#8377;${assets}</strong> &middot; the two sides agree`
+      );
+    }
+    return (
+      `Total Liabilities <strong>&#8377;${liabilities}</strong> &middot; ` +
+      `Total Assets <strong>&#8377;${assets}</strong> &middot; ` +
+      `OUT OF BALANCE by <strong>&#8377;${this.amount(Math.abs(this.data.imbalance ?? 0))}</strong> — ` +
+      'resolve before filing'
+    );
+  }
+
+  protected fetch(quarterEndDate: string): Observable<any> {
+    return this.rbiService.getOss1(quarterEndDate);
+  }
+
+  ngOnInit(): void {
+    this.load();
+  }
+
+  protected sections(): { title: string; unit: string; lines: OssLine[] }[] {
+    if (!this.data) {
+      return [];
+    }
+    return [
+      { title: 'Liabilities', unit: 'Rs in Thousands', lines: this.data.liabilities ?? [] },
+      { title: 'Assets', unit: 'Rs in Thousands', lines: this.data.assets ?? [] }
+    ];
+  }
+
+  protected totals(): { label: string; value: number | null | undefined }[] {
+    if (!this.data) {
+      return [];
+    }
+    const totals: { label: string; value: number | null | undefined }[] = [
+      { label: 'Total Liabilities', value: this.data.totalLiabilities },
+      { label: 'Total Assets', value: this.data.totalAssets }
+    ];
+    // Stated only when the two sides disagree: printing a nil difference on every balanced return
+    // would train a reviewer to skip the line that matters when it is not nil.
+    if (this.data.balanced === false) {
+      totals.push({ label: 'Difference (Assets − Liabilities)', value: this.data.imbalance });
+    }
+    return totals;
+  }
+
+  /** True when the two sides of the balance sheet disagree. */
+  get isImbalanced(): boolean {
+    return this.data?.balanced === false;
+  }
+}

src/app/rbi-circulars/oss-live/oss2-live.component.ts

@@ -0,0 +1,88 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { Observable } from 'rxjs';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { OssLine, OssReturnBase } from './oss-return.base';
+
+/**
+ * OSS 2 — Return on Earnings (RoE), return code R071.
+ *
+ * The bank's profit and loss account on RBI's line structure. Unlike OSS 1 these lines report the
+ * movement over the quarter rather than a closing balance: the same accounts read as balances
+ * would carry forward every earlier quarter's income as well.
+ */
+@Component({
+  selector: 'mifosx-oss2-live',
+  templateUrl: './oss-return.component.html',
+  styleUrls: ['../oss-return.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FaIconComponent,
+    FormsModule
+  ]
+})
+export class Oss2LiveComponent extends OssReturnBase implements OnInit {
+  protected readonly exportStem = 'RBI_OSS2_RoE';
+  readonly configRoute = '/organization/oss2-gl-config';
+  readonly configLinkLabel = 'Open OSS 2 GL Configuration';
+  readonly returnShortName = 'OSS 2';
+
+  /** A loss is worth flagging; it is a result to explain, not merely a number to read. */
+  get headlineIsBad(): boolean {
+    return (this.data?.operatingProfit ?? 0) < 0;
+  }
+
+  get headline(): string {
+    if (!this.data) {
+      return '';
+    }
+    const result = this.data.operatingProfit ?? 0;
+    return (
+      `Total Income <strong>&#8377;${this.amount(this.data.totalIncome)}</strong> &middot; ` +
+      `Total Expenditure <strong>&#8377;${this.amount(this.data.totalExpenditure)}</strong> &middot; ` +
+      `${result >= 0 ? 'Operating Profit' : 'Operating Loss'} ` +
+      `<strong>&#8377;${this.amount(Math.abs(result))}</strong> for the quarter`
+    );
+  }
+
+  protected fetch(quarterEndDate: string): Observable<any> {
+    return this.rbiService.getOss2(quarterEndDate);
+  }
+
+  ngOnInit(): void {
+    this.load();
+  }
+
+  protected sections(): { title: string; unit: string; lines: OssLine[] }[] {
+    if (!this.data) {
+      return [];
+    }
+    return [
+      { title: 'Earnings', unit: 'Rs in Thousands', lines: this.data.earnings ?? [] },
+      { title: 'Expenditure', unit: 'Rs in Thousands', lines: this.data.expenses ?? [] }
+    ];
+  }
+
+  protected totals(): { label: string; value: number | null | undefined }[] {
+    if (!this.data) {
+      return [];
+    }
+    return [
+      { label: 'Total Income', value: this.data.totalIncome },
+      { label: 'Total Expenditure', value: this.data.totalExpenditure },
+      {
+        label: (this.data.operatingProfit ?? 0) >= 0 ? 'Operating Profit' : 'Operating Loss',
+        value: this.data.operatingProfit
+      }
+    ];
+  }
+}

src/app/rbi-circulars/oss-return.scss

@@ -567,3 +567,92 @@ td.gl-diff {
     grid-template-columns: 1fr;
   }
 }
+
+/* ── Live OSS returns (OSS 1, OSS 2) ────────────────────────────────────────
+   These read their figures from the ledger rather than from a filed workbook, so they carry two
+   things a static return does not: a note on which accounts a line came from, and a statement of
+   what is not mapped. */
+
+/* Caveats about the return as a whole: lines with nothing behind them. Sits above the sheets
+   because a blank line is a fact about the return, not about the sheet it happens to be on. */
+.oss-caveat {
+  background: var(--o-amber-l);
+  border: 1px solid #e3d27a;
+  border-radius: 8px;
+  padding: 12px 14px;
+  margin-bottom: 14px;
+  color: var(--o-amber-d);
+  font-size: 12.5px;
+}
+
+.oss-caveat-h {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  font-size: 13px;
+}
+
+.oss-caveat-lead {
+  margin: 6px 0 0;
+  line-height: 1.6;
+  opacity: 0.9;
+}
+
+.oss-caveat-list {
+  margin: 8px 0 8px 18px;
+  padding: 0;
+
+  li {
+    margin-bottom: 4px;
+  }
+}
+
+.oss-caveat-link {
+  display: inline-block;
+  margin-top: 4px;
+  color: var(--o-blue);
+  font-weight: 600;
+  text-decoration: none;
+
+  &:hover {
+    text-decoration: underline;
+  }
+}
+
+/* A figure the return could not produce, or an account left out of one. Marked rather than merely
+   blank, so it reads as deliberately absent instead of as a nil the bank asserted. */
+.oss-unset {
+  color: var(--o-amber-d);
+  font-style: italic;
+  font-weight: 500;
+}
+
+/* The GL accounts behind a line, indented under it. */
+.oss-subline {
+  td {
+    font-size: 11.5px;
+    color: var(--o-g500);
+  }
+
+  &--excluded td {
+    color: var(--o-amber-d);
+  }
+}
+
+.oss-gl-code {
+  font-family: 'Roboto Mono', monospace;
+  font-size: 10.5px;
+  background: var(--o-g50);
+  border: 1px solid var(--o-g200);
+  border-radius: 4px;
+  padding: 1px 5px;
+  margin-right: 6px;
+}
+
+/* How the figures on a sheet were arrived at — the dates they were read on. */
+.oss-note {
+  margin: 10px 2px 0;
+  font-size: 11.5px;
+  color: var(--o-g500);
+  line-height: 1.6;
+}

src/app/rbi-circulars/rbi-circulars-routing.module.ts

@@ -26,16 +26,30 @@ const routes: Routes = [
       data: { title: 'AML Rules Master', breadcrumb: 'AML Rules Master' }
     },
     {
+      // OSS 1 computed live from the ledger. Lazy — the ExcelJS workbook builder should not weigh
+      // down the eager bundle.
       path: 'rbi/oss1',
-      // Lazy — the ExcelJS workbook builder should not weigh down the eager bundle.
-      loadComponent: () => import('./oss1-ral/oss1-ral.component').then((m) => m.Oss1RalComponent),
+      loadComponent: () => import('./oss-live/oss1-live.component').then((m) => m.Oss1LiveComponent),
       data: { title: 'OSS 1 — Return on Assets and Liabilities', breadcrumb: 'OSS 1 (RAL)' }
     },
     {
       path: 'rbi/oss2',
-      loadComponent: () => import('./oss2-roe/oss2-roe.component').then((m) => m.Oss2RoeComponent),
+      loadComponent: () => import('./oss-live/oss2-live.component').then((m) => m.Oss2LiveComponent),
       data: { title: 'OSS 2 — Return on Earnings', breadcrumb: 'OSS 2 (RoE)' }
     },
+    {
+      // The filed workbooks as they stood before the returns were computed from the ledger. Kept
+      // reachable so a figure on a live return can be checked against what was actually filed for
+      // an earlier quarter; they read from static data and do not move.
+      path: 'rbi/oss1-filed',
+      loadComponent: () => import('./oss1-ral/oss1-ral.component').then((m) => m.Oss1RalComponent),
+      data: { title: 'OSS 1 — As filed (static)', breadcrumb: 'OSS 1 (as filed)' }
+    },
+    {
+      path: 'rbi/oss2-filed',
+      loadComponent: () => import('./oss2-roe/oss2-roe.component').then((m) => m.Oss2RoeComponent),
+      data: { title: 'OSS 2 — As filed (static)', breadcrumb: 'OSS 2 (as filed)' }
+    },
     {
       path: 'rbi/share-capital',
       // Lazy for the same reason as the OSS returns — the ExcelJS workbook builder should not
@@ -48,6 +62,18 @@ const routes: Routes = [
       path: 'rbi/oss3',
       loadComponent: () => import('./oss3-raq/oss3-raq.component').then((m) => m.Oss3RaqComponent),
       data: { title: 'OSS 3 — Return on Asset Quality', breadcrumb: 'OSS 3 (RAQ-UCB)' }
+    },
+    {
+      // CRR return, filed twice a month. Lazy like the other returns — it pulls in ExcelJS.
+      path: 'rbi/form1',
+      loadComponent: () => import('./reserve-return/form1-crr.component').then((m) => m.Form1CrrComponent),
+      data: { title: 'Form 1 — Cash Reserve Ratio', breadcrumb: 'Form 1 (CRR)' }
+    },
+    {
+      // SLR return, filed at the end of each month.
+      path: 'rbi/form9',
+      loadComponent: () => import('./reserve-return/form9-slr.component').then((m) => m.Form9SlrComponent),
+      data: { title: 'Form 9 — Statutory Liquidity Ratio', breadcrumb: 'Form 9 (SLR)' }
     }
   ])
 ];

src/app/rbi-circulars/rbi-circulars.service.ts

@@ -60,4 +60,116 @@ export class RbiCircularsService {
   getShareCapitalReturnYears(): Observable<any> {
     return this.http.get('/shareproducts/capital-return/financial-years');
   }
+
+  /**
+   * Form 1 — CRR, computed live from the ledger for the fortnight the reporting date falls in.
+   *
+   * The DTL base and the balances maintained are read as at different dates: the base lags by 45
+   * days (snapped back to a reporting Friday), the holdings are as at the reporting date itself.
+   * The response's `basis` block states both, so the lag is auditable rather than implied.
+   *
+   * @param reportingDate yyyy-MM-dd. Defaults to the current business date on the backend.
+   * @param officeId Optional — scopes every figure to one office.
+   */
+  getForm1(reportingDate?: string, officeId?: number): Observable<any> {
+    let params = new HttpParams();
+    if (reportingDate) {
+      params = params.set('reportingDate', reportingDate);
+    }
+    if (officeId != null) {
+      params = params.set('officeId', String(officeId));
+    }
+    return this.http.get('/rbireservereturn/form1', { params });
+  }
+
+  /**
+   * Form 9 — SLR, computed live on the month-end position. Any date within a month resolves to that
+   * month's end, since the return reports the position at close.
+   */
+  getForm9(reportingDate?: string, officeId?: number): Observable<any> {
+    let params = new HttpParams();
+    if (reportingDate) {
+      params = params.set('reportingDate', reportingDate);
+    }
+    if (officeId != null) {
+      params = params.set('officeId', String(officeId));
+    }
+    return this.http.get('/rbireservereturn/form9', { params });
+  }
+
+  /**
+   * OSS 1 — Return on Assets and Liabilities, computed live from the ledger.
+   *
+   * Every figure is a closing balance as at the quarter end; the bank's own particulars come from
+   * the institution profile. Any date inside a quarter resolves to that quarter, so a caller never
+   * has to know which day a quarter ends on.
+   *
+   * @param quarterEndDate yyyy-MM-dd — any date in the quarter. Defaults to the business date.
+   * @param officeId Optional — scopes every figure to one office.
+   */
+  getOss1(quarterEndDate?: string, officeId?: number): Observable<any> {
+    return this.http.get('/ossreturn/oss1', { params: this.ossParams(quarterEndDate, officeId) });
+  }
+
+  /**
+   * OSS 2 — Return on Earnings, computed live from the ledger.
+   *
+   * Earnings lines report the movement over the quarter rather than a closing balance, so the same
+   * accounts read as balances would carry forward every earlier quarter's income as well.
+   */
+  getOss2(quarterEndDate?: string, officeId?: number): Observable<any> {
+    return this.http.get('/ossreturn/oss2', { params: this.ossParams(quarterEndDate, officeId) });
+  }
+
+  // ── Saved returns ──
+
+  /**
+   * Returns saved earlier, newest first. A saved return is served from the snapshot taken when it
+   * was saved, never recomputed — a backdated entry or a changed mapping would otherwise produce a
+   * different statement from the one that was reviewed.
+   */
+  getSavedReturns(formCode?: string): Observable<any> {
+    let params = new HttpParams();
+    if (formCode) {
+      params = params.set('formCode', formCode);
+    }
+    return this.http.get('/rbiformafiling', { params });
+  }
+
+  /** One saved return, with the stored snapshot, so the screen renders what was saved. */
+  getSavedReturn(filingId: number): Observable<any> {
+    return this.http.get(`/rbiformafiling/${filingId}`);
+  }
+
+  /** Keeps the return currently on screen. Re-saving the same form and date replaces it. */
+  saveReturn(formCode: string, reportingDate: string, report: any, remarks?: string): Observable<any> {
+    return this.http.post('/rbiformafiling', {
+      formCode,
+      reportingDate,
+      report,
+      remarks,
+      locale: 'en',
+      dateFormat: 'yyyy-MM-dd'
+    });
+  }
+
+  /** Moves a saved return along its filing lifecycle; the snapshot itself is untouched. */
+  updateSavedReturnStatus(filingId: number, status: string, remarks?: string): Observable<any> {
+    return this.http.post(`/rbiformafiling/${filingId}/status`, { status, remarks });
+  }
+
+  deleteSavedReturn(filingId: number): Observable<any> {
+    return this.http.delete(`/rbiformafiling/${filingId}`);
+  }
+
+  private ossParams(quarterEndDate?: string, officeId?: number): HttpParams {
+    let params = new HttpParams();
+    if (quarterEndDate) {
+      params = params.set('quarterEndDate', quarterEndDate);
+    }
+    if (officeId != null) {
+      params = params.set('officeId', String(officeId));
+    }
+    return params;
+  }
 }

src/app/rbi-circulars/reserve-return/form1-crr.component.ts

@@ -0,0 +1,43 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { Observable } from 'rxjs';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { ReserveReturnBase } from './reserve-return.base';
+
+/**
+ * RBI Form 1 — Cash Reserve Ratio, filed twice a month.
+ *
+ * The return compares the CRR required on an earlier fortnight's Demand and Time Liabilities
+ * against the cash and bank balances held today. The two sides are deliberately read on different
+ * dates — see the basis panel on the screen, which states both.
+ */
+@Component({
+  selector: 'mifosx-form1-crr',
+  templateUrl: './reserve-return.component.html',
+  styleUrls: ['./reserve-return.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class Form1CrrComponent extends ReserveReturnBase implements OnInit {
+  protected readonly exportStem = 'RBI_Form1_CRR';
+  protected readonly formCode = 'FORM_1';
+
+  protected fetch(reportingDate: string): Observable<any> {
+    return this.rbiService.getForm1(reportingDate);
+  }
+
+  ngOnInit(): void {
+    this.load();
+    this.loadSaved();
+  }
+}

src/app/rbi-circulars/reserve-return/form9-slr.component.ts

@@ -0,0 +1,43 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { Observable } from 'rxjs';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { ReserveReturnBase } from './reserve-return.base';
+
+/**
+ * RBI Form 9 — Statutory Liquidity Ratio, filed at the end of the month.
+ *
+ * Unlike Form 1 there is no lag: both the liability base and the SLR-eligible investments are read
+ * as at month end, so the return states the position actually held at close. Any date the user
+ * picks resolves to that month's end.
+ */
+@Component({
+  selector: 'mifosx-form9-slr',
+  templateUrl: './reserve-return.component.html',
+  styleUrls: ['./reserve-return.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class Form9SlrComponent extends ReserveReturnBase implements OnInit {
+  protected readonly exportStem = 'RBI_Form9_SLR';
+  protected readonly formCode = 'FORM_9';
+
+  protected fetch(reportingDate: string): Observable<any> {
+    return this.rbiService.getForm9(reportingDate);
+  }
+
+  ngOnInit(): void {
+    this.load();
+    this.loadSaved();
+  }
+}

src/app/rbi-circulars/reserve-return/reserve-return.base.ts

@@ -0,0 +1,696 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { inject } from '@angular/core';
+import { Observable, catchError, of } from 'rxjs';
+import * as ExcelJS from 'exceljs';
+import { RbiCircularsService } from '../rbi-circulars.service';
+import { addBanner, boxAllCells, downloadWorkbook, newWorkbook, solidFill, XL } from '../oss-workbook';
+
+/** One configured figure on the return, with the accounts it was derived from. */
+export interface ReserveLine {
+  label: string;
+  configKey: string;
+  configured: boolean;
+  asOnDate: string;
+  amount: number | null;
+  /**
+   * The accounts the figure was derived from. `balance` is null and `excluded` set when an account
+   * is still pinned to the role but no longer countable — disabled, or turned into a header whose
+   * balance would double-count its children.
+   */
+  accounts: ReserveLineAccount[];
+}
+
+/**
+ * One account behind a line. `accountBalance` is what the ledger holds; `balance` is the portion
+ * this head takes of it. The two differ whenever `weightPercentage` is under 100 — RBI treats part
+ * of a savings balance as a demand liability and the rest as time, so the same account can appear
+ * twice under one head with a different share each time.
+ */
+export interface ReserveLineAccount {
+  glAccountId: number;
+  glCode: string;
+  name: string;
+  /** The account's own balance, before the head's share is applied. */
+  accountBalance?: number | null;
+  /** The share of that balance this head takes. 100 means the whole of it. */
+  weightPercentage?: number | null;
+  /** DEMAND or TIME on a liability head; null elsewhere. */
+  liabilityClass?: string | null;
+  balance: number | null;
+  excluded?: 'disabled' | 'header';
+}
+
+/** One row of the Memorandum or an Annexure — a stated figure, entering no total. */
+export interface SectionRow {
+  label: string;
+  configKey: string;
+  configured: boolean;
+  amount: number | null;
+  accounts: { glAccountId: number; glCode: string; name: string; balance: number }[];
+}
+
+/**
+ * Compliance across the whole fortnight.
+ *
+ * CRR is not met by the closing day's balance: the full requirement must be held on average over the
+ * fortnight AND a daily minimum on every single day of it, so a bank that ran empty for thirteen days
+ * and topped up on the last one fails on the daily test while passing on the closing position.
+ */
+export interface FortnightMaintenance {
+  /** Each day of the month, with the requirement it was measured against and the gap. */
+  days: { date: string; required: number; amount: number; surplus: number }[];
+  /** The month the table covers. */
+  periodStart?: string;
+  periodEnd?: string;
+  periodLabel?: string;
+  dayCount: number;
+  average: number;
+  lowest: number;
+  lowestOn: string | null;
+  /** False while the fortnight is still running, so the average is of the days elapsed. */
+  fortnightComplete: boolean;
+  requiredAverage: number;
+  dailyMinimumPercent: number;
+  dailyMinimumAmount: number;
+  averageMet: boolean;
+  dailyMinimumMet: boolean;
+  averageShortfall: number;
+}
+
+/** The whole return, as the backend computes it. */
+export interface ReserveReturn {
+  formCode: string;
+  formName: string;
+  frequency: string;
+  reportingDate: string;
+  rateType: string;
+  ratePercentage: number | null;
+  /** True while the rate is still the placeholder shipped with the installation. */
+  rateIsSeedDefault: boolean;
+  basis: {
+    lagDays?: number;
+    rawLagDate?: string;
+    /** The nominal reporting Friday, before any shift off a holiday. */
+    reportingFriday?: string;
+    dtlAsOnDate: string;
+    holdingsAsOnDate: string;
+    /** True when that Friday was a holiday and the position was taken a working day earlier. */
+    shiftedForHoliday?: boolean;
+    note: string;
+  };
+  lines: ReserveLine[];
+  /** Form A's Memorandum and its two Annexures — sections of the return, not lines on it. */
+  memorandum?: SectionRow[];
+  annexureA?: SectionRow[];
+  annexureB?: SectionRow[];
+  /** Compliance across the fortnight rather than on the reporting date alone. Form 1 only. */
+  maintenance?: FortnightMaintenance;
+  computable: boolean;
+  dtlAmount?: number;
+  requiredAmount?: number;
+  maintainedAmount?: number;
+  surplusOrShortfall?: number;
+  maintainedPercentage?: number | null;
+  compliant?: boolean;
+  unmetRequirements: string[];
+  // Form 1 only.
+  fortnight?: number;
+  fortnightLabel?: string;
+  fortnightStart?: string;
+  fortnightEnd?: string;
+  // Form 9 only.
+  requestedDate?: string;
+  monthStart?: string;
+}
+
+/**
+ * Shared behaviour for the two reserve returns — Form 1 (CRR) and Form 9 (SLR).
+ *
+ * Both are the same statement: a percentage of Demand and Time Liabilities must be maintained in a
+ * defined class of assets, and the return compares what is required against what is held. They
+ * differ only in which figures make up the maintained side and on which dates each side is read,
+ * so everything except the fetch and the Excel layout lives here.
+ *
+ * Nothing is computed in the browser. The figures come from the ledger through one endpoint that
+ * already aggregates them; re-deriving totals here would produce a second set of numbers that could
+ * disagree with the filed return.
+ */
+export abstract class ReserveReturnBase {
+  protected rbiService = inject(RbiCircularsService);
+
+  /** Which return to fetch. */
+  protected abstract fetch(reportingDate: string): Observable<any>;
+
+  /** Filename stem for the Excel export. */
+  protected abstract readonly exportStem: string;
+
+  /** Which return this screen is, so saved returns list only this one's. */
+  protected abstract readonly formCode: string;
+
+  data: ReserveReturn | null = null;
+  loading = true;
+  errorMsg = '';
+  generating = false;
+
+  /** The reporting date the user is looking at. Editable, so past periods can be reviewed. */
+  reportingDate = new Date().toISOString().slice(0, 10);
+
+  toastMsg = '';
+  toastVisible = false;
+  private toastTimer: any;
+
+  /** Returns saved earlier, listed under the live one. */
+  savedReturns: any[] = [];
+  savedLoading = false;
+  saving = false;
+  savedRemarks = '';
+
+  /**
+   * Which half of the screen is showing: the return itself, or the ones kept on record.
+   *
+   * Two tabs rather than one long page: the live return and the saved list are read at different
+   * times and for different reasons, and stacking them meant scrolling past the whole statement -
+   * including a month of daily rows - to reach the list at all.
+   */
+  activeTab: 'report' | 'saved' = 'report';
+
+  showTab(tab: 'report' | 'saved'): void {
+    this.activeTab = tab;
+  }
+
+  /** The saved return currently open below the list, or null when none is. */
+  viewingSaved: any = null;
+  /**
+   * The opened snapshot's own statement, rendered in its own section. Held separately from `data` so
+   * the live return stays on screen alongside it and the two can be compared directly.
+   */
+  savedData: ReserveReturn | null = null;
+
+  load(): void {
+    this.loading = true;
+    this.errorMsg = '';
+    this.fetch(this.reportingDate)
+      .pipe(
+        catchError((err: any) => {
+          this.errorMsg =
+            err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not compute this return from the ledger.';
+          return of(null);
+        })
+      )
+      .subscribe((res: ReserveReturn | null) => {
+        this.loading = false;
+        this.data = res;
+      });
+  }
+
+  onDateChange(): void {
+    this.load();
+  }
+
+  /** Jump to the period containing today. */
+  resetToToday(): void {
+    this.reportingDate = new Date().toISOString().slice(0, 10);
+    this.load();
+  }
+
+  // ── presentation helpers ──
+
+  /**
+   * The titled sections Form A carries alongside the main statement, in the order the format states
+   * them. Each is skipped by the template when it has no rows, so Form 9 — which has none — is
+   * unaffected.
+   */
+  get namedSections(): { title: string; hint: string; rows: SectionRow[] }[] {
+    if (!this.data) {
+      return [];
+    }
+    return [
+      {
+        title: 'Memorandum to Form A',
+        hint: 'Stated alongside the return. These figures are reported, not added into the CRR requirement.',
+        rows: this.data.memorandum ?? []
+      },
+      {
+        title: 'Annexure A — Foreign currency liabilities and assets',
+        hint: 'Reported in INR equivalent at the applicable reference rate. Nil where the bank has no foreign-currency business.',
+        rows: this.data.annexureA ?? []
+      },
+      {
+        title: 'Annexure B — Investment details',
+        hint: 'Investments split between approved and non-approved securities, shares, debentures and bonds.',
+        rows: this.data.annexureB ?? []
+      }
+    ];
+  }
+
+  get isShortfall(): boolean {
+    return !!this.data?.computable && this.data.compliant === false;
+  }
+
+  /** Magnitude of the gap, so the sign lives in the label rather than in the number. */
+  get shortfallAmount(): number {
+    return Math.abs(this.data?.surplusOrShortfall ?? 0);
+  }
+
+  // ── Saved returns ──
+
+  loadSaved(): void {
+    this.savedLoading = true;
+    this.rbiService
+      .getSavedReturns(this.formCode)
+      .pipe(catchError(() => of([])))
+      .subscribe((rows: any[]) => {
+        this.savedLoading = false;
+        this.savedReturns = rows || [];
+      });
+  }
+
+  /** Keeps the return on screen, so it can be read again later exactly as it stands now. */
+  saveCurrent(): void {
+    if (!this.data) {
+      return;
+    }
+    this.saving = true;
+    this.rbiService
+      .saveReturn(this.data.formCode, this.data.reportingDate, this.data, this.savedRemarks || undefined)
+      .pipe(
+        catchError((err: any) => {
+          this.saving = false;
+          this.toast(err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not save this return.');
+          return of(null);
+        })
+      )
+      .subscribe((rows: any[] | null) => {
+        this.saving = false;
+        if (!rows) {
+          return;
+        }
+        this.savedReturns = rows;
+        this.savedRemarks = '';
+        this.toast('Return saved.');
+      });
+  }
+
+  /**
+   * Opens a saved return in its own section below the list, leaving the live return on screen.
+   *
+   * Deliberately not in place of the live one: the reason to open a saved return is almost always to
+   * compare it against where the bank stands now, and swapping the live figures out makes that
+   * comparison impossible without clicking back and forth from memory.
+   */
+  viewSaved(row: any): void {
+    // Clicking the open one closes it, so the button toggles rather than re-fetching.
+    if (this.viewingSaved?.id === row.id) {
+      this.closeSaved();
+      return;
+    }
+    this.rbiService
+      .getSavedReturn(row.id)
+      .pipe(
+        catchError(() => {
+          this.toast('Could not open this saved return.');
+          return of(null);
+        })
+      )
+      .subscribe((saved: any) => {
+        if (!saved?.report) {
+          this.toast('This saved return has no stored statement.');
+          return;
+        }
+        this.viewingSaved = saved;
+        this.savedData = saved.report as ReserveReturn;
+        // Opens on the Saved tab, where the list it was chosen from is - never jumping the user to
+        // the live return, which is a different statement.
+        this.activeTab = 'saved';
+        setTimeout(() => document.getElementById('rr-saved-view')?.scrollIntoView({ behavior: 'smooth' }), 0);
+      });
+  }
+
+  /** Closes the opened snapshot. The live return was never hidden, so nothing is restored. */
+  closeSaved(): void {
+    this.viewingSaved = null;
+    this.savedData = null;
+  }
+
+  /** Kept for callers that still name the old action. */
+  backToLive(): void {
+    this.closeSaved();
+  }
+
+  /** Magnitude of the opened snapshot's gap, so the sign lives in its label rather than the number. */
+  get savedSurplus(): number {
+    return Math.abs(this.savedData?.surplusOrShortfall ?? 0);
+  }
+
+  updateSavedStatus(row: any, status: string): void {
+    this.rbiService
+      .updateSavedReturnStatus(row.id, status)
+      .pipe(
+        catchError((err: any) => {
+          this.toast(err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not update the status.');
+          return of(null);
+        })
+      )
+      .subscribe((rows: any[] | null) => {
+        if (!rows) {
+          return;
+        }
+        this.savedReturns = rows;
+        if (this.viewingSaved?.id === row.id) {
+          this.viewingSaved = { ...this.viewingSaved, status };
+        }
+        this.toast(`Marked ${this.statusLabel(status)}.`);
+      });
+  }
+
+  deleteSaved(row: any): void {
+    this.rbiService
+      .deleteSavedReturn(row.id)
+      .pipe(
+        catchError(() => {
+          this.toast('Could not remove this saved return.');
+          return of(null);
+        })
+      )
+      .subscribe((rows: any[] | null) => {
+        if (!rows) {
+          return;
+        }
+        this.savedReturns = rows;
+        if (this.viewingSaved?.id === row.id) {
+          this.backToLive();
+        }
+        this.toast('Saved return removed.');
+      });
+  }
+
+  /** The stages a return moves through, in order, for the status menu. */
+  readonly filingStatuses = [
+    'DRAFT',
+    'GENERATED',
+    'CHECKED',
+    'APPROVED',
+    'PROVISIONAL_SUBMITTED',
+    'FINAL_SUBMITTED',
+    'REVISED'
+  ];
+
+  statusLabel(status: string): string {
+    const labels: Record<string, string> = {
+      DRAFT: 'Draft',
+      GENERATED: 'Generated',
+      CHECKED: 'Checked',
+      APPROVED: 'Approved',
+      PROVISIONAL_SUBMITTED: 'Provisional submitted',
+      FINAL_SUBMITTED: 'Final submitted',
+      REVISED: 'Revised'
+    };
+    return labels[status] ?? status;
+  }
+
+  /** Hands the rendered return to the browser's print dialog, which also prints to PDF. */
+  printReturn(): void {
+    window.print();
+  }
+
+  /**
+   * True when a head takes only part of an account, so the printed figure is not that account's
+   * balance. Anything at or above 100, or unset, is the whole balance and needs no explanation.
+   */
+  isPartial(account: ReserveLineAccount): boolean {
+    const weight = account.weightPercentage;
+    return weight !== null && weight !== undefined && weight < 100 && account.accountBalance != null;
+  }
+
+  amount(value: number | null | undefined): string {
+    if (value === null || value === undefined) {
+      return '—';
+    }
+    return value.toLocaleString('en-IN', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
+  }
+
+  percent(value: number | null | undefined): string {
+    if (value === null || value === undefined) {
+      return '—';
+    }
+    return `${value.toLocaleString('en-IN', { minimumFractionDigits: 2, maximumFractionDigits: 4 })}%`;
+  }
+
+  protected toast(msg: string): void {
+    this.toastMsg = msg;
+    this.toastVisible = true;
+    clearTimeout(this.toastTimer);
+    this.toastTimer = setTimeout(() => (this.toastVisible = false), 3200);
+  }
+
+  // ── Excel export ──
+
+  /**
+   * Exports the return as filed: the same figures the screen shows, plus the basis dates and the
+   * account-level breakdown, so a reviewer can trace any total back to the accounts behind it.
+   */
+  async exportWorkbook(): Promise<void> {
+    if (!this.data) {
+      return;
+    }
+    this.generating = true;
+    try {
+      const wb = newWorkbook();
+      const sheet = wb.addWorksheet(this.data.formCode.replace('_', ' '));
+      // Five columns because the daily table is the widest block on the sheet; the statement above
+      // it uses the first three and leaves the rest empty.
+      sheet.columns = [
+        { width: 52 },
+        { width: 22 },
+        { width: 20 },
+        { width: 22 },
+        { width: 16 }];
+
+      addBanner(sheet, `${this.data.formName} — ${this.data.frequency}`, 'C');
+
+      let start = sheet.rowCount + 1;
+      this.addKeyValue(sheet, 'Reporting date', this.data.reportingDate);
+      if (this.data.fortnightLabel) {
+        this.addKeyValue(
+          sheet,
+          'Fortnight',
+          `${this.data.fortnightLabel} (${this.data.fortnightStart} to ${this.data.fortnightEnd})`
+        );
+      }
+      this.addKeyValue(sheet, 'DTL base as at', this.data.basis.dtlAsOnDate);
+      this.addKeyValue(sheet, 'Balances maintained as at', this.data.basis.holdingsAsOnDate);
+      if (this.data.basis.rawLagDate) {
+        this.addKeyValue(sheet, `Lag (${this.data.basis.lagDays} days) falls on`, this.data.basis.rawLagDate);
+      }
+      this.addKeyValue(
+        sheet,
+        `${this.data.rateType} rate applied`,
+        this.data.ratePercentage === null
+          ? 'Not set'
+          : `${this.data.ratePercentage}%${this.data.rateIsSeedDefault ? ' (placeholder — not confirmed)' : ''}`
+      );
+      boxAllCells(sheet, start, sheet.rowCount, 2);
+      sheet.addRow([]);
+
+      // Basis note, spelled out so the export is self-explanatory away from the screen.
+      const noteRow = sheet.addRow([this.data.basis.note]);
+      sheet.mergeCells(noteRow.number, 1, noteRow.number, 3);
+      noteRow.alignment = { wrapText: true };
+      noteRow.font = { size: 9, italic: true };
+      sheet.addRow([]);
+
+      // Figures.
+      start = sheet.rowCount + 1;
+      const head = sheet.addRow([
+        'Particulars',
+        'As at',
+        'Amount (INR)'
+      ]);
+      head.font = { bold: true };
+      head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+
+      for (const line of this.data.lines) {
+        const row = sheet.addRow([
+          line.label,
+          line.asOnDate,
+          line.configured ? line.amount : 'Not configured'
+        ]);
+        row.getCell(1).alignment = { wrapText: true };
+        row.getCell(3).numFmt = '#,##0.00';
+        row.getCell(3).alignment = { horizontal: 'right' };
+
+        // Account-level breakdown, indented under its line. An excluded account is named with its
+        // reason rather than dropped, so the workbook cannot read as complete when the figure is
+        // short by it — the file is what gets filed, so the caveat has to travel in it.
+        for (const account of line.accounts) {
+          // A partial share is named on the row too: without it the figure reads as the account's
+          // own balance and cannot be reconciled back to the ledger.
+          const portion = this.isPartial(account)
+            ? ` (${account.weightPercentage}% of ${this.amount(account.accountBalance)})`
+            : '';
+          const sub = sheet.addRow([
+            `    ${account.glCode} — ${account.name}${portion}${account.excluded ? ` (excluded — ${account.excluded})` : ''}`,
+            account.liabilityClass ?? '',
+            account.excluded ? 'Excluded' : account.balance
+          ]);
+          sub.font = { size: 9, color: { argb: account.excluded ? 'FFB06000' : 'FF666666' } };
+          sub.getCell(3).numFmt = '#,##0.00';
+          sub.getCell(3).alignment = { horizontal: 'right' };
+        }
+      }
+
+      if (this.data.computable) {
+        const required = sheet.addRow([
+          `${this.data.rateType} required (${this.data.ratePercentage}% of DTL)`,
+          '',
+          this.data.requiredAmount ?? null
+        ]);
+        const maintained = sheet.addRow([
+          `${this.data.rateType} maintained`,
+          '',
+          this.data.maintainedAmount ?? null
+        ]);
+        const gap = sheet.addRow([
+          this.data.compliant ? 'Surplus' : 'Shortfall',
+          '',
+          this.data.surplusOrShortfall ?? null
+        ]);
+        for (const row of [
+          required,
+          maintained,
+          gap
+        ]) {
+          row.font = { bold: true };
+          row.getCell(3).numFmt = '#,##0.00';
+          row.getCell(3).alignment = { horizontal: 'right' };
+          row.getCell(3).fill = solidFill(XL.derivedBlue);
+        }
+      }
+      boxAllCells(sheet, start, sheet.rowCount, 3);
+
+      // Fortnight maintenance, which is what CRR compliance actually turns on. A workbook showing
+      // only the closing position would let a fortnight that breached the daily floor look clean.
+      if (this.data.maintenance) {
+        const m = this.data.maintenance;
+        sheet.addRow([]);
+        const head = sheet.addRow([
+          'Maintenance over the fortnight',
+          '',
+          ''
+        ]);
+        head.font = { bold: true };
+        head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+
+        const start = sheet.rowCount + 1;
+        this.addKeyValue(sheet, 'Average maintained', this.amount(m.average));
+        this.addKeyValue(sheet, 'Required average', this.amount(m.requiredAverage));
+        this.addKeyValue(sheet, 'Average test', m.averageMet ? 'Met' : 'NOT MET');
+        this.addKeyValue(
+          sheet,
+          `Daily floor (${m.dailyMinimumPercent}% of requirement)`,
+          this.amount(m.dailyMinimumAmount)
+        );
+        this.addKeyValue(sheet, 'Lowest day', `${this.amount(m.lowest)} on ${m.lowestOn}`);
+        this.addKeyValue(sheet, 'Daily minimum test', m.dailyMinimumMet ? 'Met' : 'NOT MET');
+        this.addKeyValue(
+          sheet,
+          'Days counted',
+          `${m.dayCount}${m.fortnightComplete ? ' (full fortnight)' : ' (to reporting date)'}`
+        );
+        boxAllCells(sheet, start, sheet.rowCount, 2);
+
+        sheet.addRow([]);
+        const dayHead = sheet.addRow([
+          'Date',
+          'Required (INR)',
+          'Actual (INR)',
+          'Surplus / (Shortfall)',
+          'Against floor'
+        ]);
+        dayHead.font = { bold: true };
+        dayHead.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+        const dayStart = sheet.rowCount;
+        for (const day of m.days) {
+          const row = sheet.addRow([
+            day.date,
+            day.required,
+            day.amount,
+            day.surplus,
+            day.amount < m.dailyMinimumAmount ? 'Below floor' : 'OK'
+          ]);
+          for (const col of [
+            2,
+            3,
+            4
+          ]) {
+            row.getCell(col).numFmt = '#,##0.00';
+            row.getCell(col).alignment = { horizontal: 'right' };
+          }
+        }
+        boxAllCells(sheet, dayStart, sheet.rowCount, 5);
+      }
+
+      // The Memorandum and Annexures, each under its own heading.
+      for (const section of this.namedSections) {
+        if (!section.rows.length) {
+          continue;
+        }
+        sheet.addRow([]);
+        const title = sheet.addRow([
+          section.title,
+          '',
+          ''
+        ]);
+        title.font = { bold: true };
+        title.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+
+        const start = sheet.rowCount;
+        for (const row of section.rows) {
+          const excelRow = sheet.addRow([
+            row.label,
+            '',
+            row.configured ? row.amount : 'Not configured'
+          ]);
+          excelRow.getCell(1).alignment = { wrapText: true };
+          excelRow.getCell(3).numFmt = '#,##0.00';
+          excelRow.getCell(3).alignment = { horizontal: 'right' };
+        }
+        boxAllCells(sheet, start, sheet.rowCount, 3);
+      }
+
+      // Caveats travel with the workbook, not only the screen: a return computed on the placeholder
+      // rate is arithmetically right and still must not be filed, and the file is what gets sent on.
+      if (this.data.unmetRequirements.length) {
+        sheet.addRow([]);
+        const prefix = this.data.computable ? 'Check before filing' : 'Not computed';
+        for (const reason of this.data.unmetRequirements) {
+          const row = sheet.addRow([`${prefix}: ${reason}`]);
+          sheet.mergeCells(row.number, 1, row.number, 3);
+          row.font = { bold: true, size: 9 };
+          row.alignment = { wrapText: true };
+        }
+      }
+
+      await downloadWorkbook(wb, `${this.exportStem}_${this.data.reportingDate}.xlsx`);
+      this.toast('Workbook downloaded.');
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private addKeyValue(sheet: ExcelJS.Worksheet, label: string, value: string): void {
+    const row = sheet.addRow([
+      label,
+      value
+    ]);
+    row.getCell(1).font = { bold: true };
+    row.getCell(1).fill = solidFill(XL.keyCell);
+  }
+}

src/app/rbi-circulars/reserve-return/reserve-return.component.html

@@ -0,0 +1,558 @@
+<!--
+  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="rr-container">
+  @if (loading) {
+    <div class="rr-loading">Computing from the ledger…</div>
+  } @else if (errorMsg) {
+    <div class="rr-alert rr-alert--error">{{ errorMsg }}</div>
+  } @else if (data) {
+    <!-- ═══ Header ═══ -->
+    <div class="rr-header">
+      <div class="rr-header__text">
+        <h2 class="rr-header__title">{{ data.formName }}</h2>
+        <span class="rr-header__freq">{{ data.frequency }}</span>
+        @if (data.fortnightLabel) {
+          <span class="rr-header__period">
+            {{ data.fortnightLabel }} · {{ data.fortnightStart }} to {{ data.fortnightEnd }}
+          </span>
+        } @else {
+          <span class="rr-header__period">Month ended {{ data.reportingDate }}</span>
+        }
+      </div>
+
+      <div class="rr-header__actions">
+        <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rr-date">
+          <mat-label>Reporting date</mat-label>
+          <input matInput type="date" [(ngModel)]="reportingDate" (change)="onDateChange()" />
+        </mat-form-field>
+        <button mat-stroked-button (click)="resetToToday()">Today</button>
+        <button mat-stroked-button (click)="printReturn()">
+          <i class="fas fa-print"></i>
+          Print
+        </button>
+        <button mat-stroked-button [disabled]="saving || !data.computable" (click)="saveCurrent()">
+          <i class="fas fa-bookmark"></i>
+          {{ saving ? 'Saving…' : 'Save' }}
+        </button>
+        <button mat-raised-button color="primary" [disabled]="generating" (click)="exportWorkbook()">
+          <i class="fas fa-file-excel"></i>
+          {{ generating ? 'Generating…' : 'Export' }}
+        </button>
+      </div>
+    </div>
+
+    <!--
+      ═══ Tabs ═══
+      The return and the saved list are read at different times and for different reasons, so they
+      are two halves of the screen rather than one page where reaching the list means scrolling past
+      a whole statement and a month of daily rows.
+    -->
+    <div class="rr-tabs rr-noprint">
+      <button class="rr-tab" [class.rr-tab--on]="activeTab === 'report'" (click)="showTab('report')">
+        <i class="fas fa-file-invoice"></i> Report
+      </button>
+      <button class="rr-tab" [class.rr-tab--on]="activeTab === 'saved'" (click)="showTab('saved')">
+        <i class="fas fa-bookmark"></i> Saved returns
+        @if (savedReturns.length) {
+          <span class="rr-tab__count">{{ savedReturns.length }}</span>
+        }
+      </button>
+    </div>
+
+    @if (activeTab === 'report') {
+      <!--
+      Caveats show whenever there are any — not only when the return cannot compute. A return
+      computed on the placeholder rate is arithmetically right and still must not be filed as-is,
+      so hiding that behind the not-computable branch would bury the one thing worth saying.
+    -->
+      @if (data.unmetRequirements.length) {
+        <div class="rr-alert rr-alert--warn">
+          <strong>
+            {{ data.computable ? 'Check this before filing.' : 'This return cannot be computed yet.' }}
+          </strong>
+          <ul class="rr-unmet">
+            @for (reason of data.unmetRequirements; track reason) {
+              <li>{{ reason }}</li>
+            }
+          </ul>
+          <a class="rr-unmet__link" [routerLink]="['/organization/rbi-reserve-config']">
+            Open RBI Reserve Configuration →
+          </a>
+        </div>
+      }
+
+      <!-- ═══ Basis ═══ -->
+      <div class="rr-basis">
+        <div class="rr-basis__row">
+          <div class="rr-basis__item">
+            <span class="rr-basis__label">DTL base as at</span>
+            <span class="rr-basis__value">{{ data.basis.dtlAsOnDate }}</span>
+          </div>
+          <div class="rr-basis__arrow"><i class="fas fa-arrow-right"></i></div>
+          <div class="rr-basis__item">
+            <span class="rr-basis__label">Balances maintained as at</span>
+            <span class="rr-basis__value">{{ data.basis.holdingsAsOnDate }}</span>
+          </div>
+          @if (data.basis.rawLagDate) {
+            <div class="rr-basis__item rr-basis__item--muted">
+              <span class="rr-basis__label">{{ data.basis.lagDays }}-day lag falls on</span>
+              <span class="rr-basis__value">{{ data.basis.rawLagDate }}</span>
+            </div>
+          }
+        </div>
+        <p class="rr-basis__note">{{ data.basis.note }}</p>
+      </div>
+
+      <!-- ═══ Summary ═══ -->
+      @if (data.computable) {
+        <div class="rr-summary">
+          <!-- NDTL, not DTL: the rate is charged on the net figure, so the base shown must be the one
+             the required amount was actually computed from. DTL and what was netted off it are
+             given underneath, so the subtraction is visible rather than implied. -->
+          <div class="rr-stat">
+            <span class="rr-stat__label">NDTL base</span>
+            <span class="rr-stat__value">{{ amount(data.ndtlAmount) }}</span>
+            <span class="rr-stat__sub">
+              DTL {{ amount(data.dtlAmount) }} less {{ amount(data.interBankAssets) }} · as at
+              {{ data.basis.dtlAsOnDate }}
+            </span>
+          </div>
+          <div class="rr-stat" [class.rr-stat--provisional]="data.rateIsSeedDefault">
+            <span class="rr-stat__label">{{ data.rateType }} rate</span>
+            <span class="rr-stat__value">{{ data.ratePercentage }}%</span>
+            @if (data.rateIsSeedDefault) {
+              <span class="rr-stat__sub rr-stat__sub--warn">Placeholder — not confirmed</span>
+            } @else {
+              <span class="rr-stat__sub">in force on {{ data.reportingDate }}</span>
+            }
+          </div>
+          <div class="rr-stat">
+            <span class="rr-stat__label">Required</span>
+            <span class="rr-stat__value">{{ amount(data.requiredAmount) }}</span>
+            <span class="rr-stat__sub">{{ data.ratePercentage }}% of NDTL</span>
+          </div>
+          <div class="rr-stat">
+            <span class="rr-stat__label">Maintained</span>
+            <span class="rr-stat__value">{{ amount(data.maintainedAmount) }}</span>
+            <span class="rr-stat__sub">{{ percent(data.maintainedPercentage) }} of NDTL</span>
+          </div>
+          <div class="rr-stat" [class.rr-stat--bad]="isShortfall" [class.rr-stat--good]="!isShortfall">
+            <span class="rr-stat__label">{{ isShortfall ? 'Shortfall' : 'Surplus' }}</span>
+            <span class="rr-stat__value">{{ amount(shortfallAmount) }}</span>
+            <span class="rr-stat__sub">{{ isShortfall ? 'Below requirement' : 'Above requirement' }}</span>
+          </div>
+        </div>
+      }
+
+      <!-- ═══ Lines ═══ -->
+      <div class="rr-card">
+        <table class="rr-table">
+          <thead>
+            <tr>
+              <th>Particulars</th>
+              <th>As at</th>
+              <th class="rr-table__num">Amount (INR)</th>
+            </tr>
+          </thead>
+          <tbody>
+            <!-- Tracked by position, not by configKey: derived rows (the demand/time split, NDTL)
+               have no config key of their own, so keying on it would collide them into one. -->
+            @for (line of data.lines; track $index) {
+              <tr
+                class="rr-line"
+                [class.rr-line--unconfigured]="!line.configured"
+                [class.rr-line--derived]="line.derived"
+              >
+                <td>
+                  <span class="rr-line__label">{{ line.label }}</span>
+                  @if (!line.configured) {
+                    <span class="rr-badge rr-badge--unmapped">Not configured</span>
+                  }
+                </td>
+                <td class="rr-line__date">{{ line.asOnDate }}</td>
+                <td class="rr-table__num">
+                  @if (line.configured) {
+                    {{ amount(line.amount) }}
+                  } @else {
+                    <span class="rr-dash">—</span>
+                  }
+                </td>
+              </tr>
+              <!-- Account-level breakdown, so every total traces back to the accounts behind it. -->
+              @for (account of line.accounts; track account.glAccountId) {
+                <tr class="rr-subline" [class.rr-subline--excluded]="account.excluded">
+                  <td>
+                    <span class="rr-subline__code">{{ account.glCode }}</span>
+                    {{ account.name }}
+                    <!-- An account still pinned to the role but out of the total: named here so the
+                       line's figure can be read as short by it, rather than looking complete. -->
+                    @if (account.excluded) {
+                      <span class="rr-subline__excluded">excluded — {{ account.excluded }}</span>
+                    }
+                    <!-- Where only part of an account is taken, the figure below is not the account's
+                       balance and must not be read as one: state the whole balance and the share of
+                       it this head takes, so the two can be reconciled without opening the ledger. -->
+                    @if (isPartial(account)) {
+                      <span class="rr-subline__portion">
+                        {{ account.weightPercentage }}% of {{ amount(account.accountBalance) }}
+                      </span>
+                    }
+                    <!-- Which head the portion falls under, on a liability line that carries both. -->
+                    @if (account.liabilityClass) {
+                      <span class="rr-subline__class">{{ account.liabilityClass | titlecase }}</span>
+                    }
+                  </td>
+                  <td></td>
+                  <td class="rr-table__num">{{ amount(account.balance) }}</td>
+                </tr>
+              }
+            }
+
+            @if (data.computable) {
+              <tr class="rr-total">
+                <td>{{ data.rateType }} required ({{ data.ratePercentage }}% of NDTL)</td>
+                <td></td>
+                <td class="rr-table__num">{{ amount(data.requiredAmount) }}</td>
+              </tr>
+              <tr class="rr-total">
+                <td>{{ data.rateType }} maintained</td>
+                <td></td>
+                <td class="rr-table__num">{{ amount(data.maintainedAmount) }}</td>
+              </tr>
+              <tr class="rr-total" [class.rr-total--bad]="isShortfall">
+                <td>{{ isShortfall ? 'Shortfall' : 'Surplus' }}</td>
+                <td></td>
+                <td class="rr-table__num">{{ amount(shortfallAmount) }}</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+
+      <!--
+      ═══ Fortnight maintenance ═══
+      CRR is not met by the closing day's balance: the requirement must be held on average across
+      the fortnight AND a daily minimum on every day of it. A bank can pass the closing position and
+      still fail, so both tests are stated.
+    -->
+      @if (data.maintenance; as m) {
+        <div class="rr-card rr-card--section">
+          <h3 class="rr-section__title">
+            Daily maintenance — {{ m.periodLabel || 'this month' }}
+            @if (!m.fortnightComplete) {
+              <span class="rr-badge rr-badge--partial">In progress — {{ m.dayCount }} days so far</span>
+            }
+          </h3>
+          <p class="rr-section__hint">
+            Every day of the month, against the requirement in force. CRR is reckoned over the period rather than on one
+            day: the full requirement must be held on average, and at least
+            {{ m.dailyMinimumPercent }}% of it on every single day.
+          </p>
+
+          <div class="rr-summary">
+            <div class="rr-stat" [class.rr-stat--good]="m.averageMet" [class.rr-stat--bad]="!m.averageMet">
+              <span class="rr-stat__label">Average maintained</span>
+              <span class="rr-stat__value">{{ amount(m.average) }}</span>
+              <span class="rr-stat__sub">
+                {{ m.averageMet ? 'Meets' : 'Below' }} required {{ amount(m.requiredAverage) }}
+              </span>
+            </div>
+            <div class="rr-stat" [class.rr-stat--good]="m.dailyMinimumMet" [class.rr-stat--bad]="!m.dailyMinimumMet">
+              <span class="rr-stat__label">Lowest day</span>
+              <span class="rr-stat__value">{{ amount(m.lowest) }}</span>
+              <span class="rr-stat__sub"> on {{ m.lowestOn }} · floor {{ amount(m.dailyMinimumAmount) }} </span>
+            </div>
+            <div class="rr-stat">
+              <span class="rr-stat__label">Days counted</span>
+              <span class="rr-stat__value">{{ m.dayCount }}</span>
+              <span class="rr-stat__sub">{{ m.fortnightComplete ? 'Full fortnight' : 'To reporting date' }}</span>
+            </div>
+          </div>
+
+          <table class="rr-table">
+            <thead>
+              <tr>
+                <th>Date</th>
+                <th class="rr-table__num">Required (INR)</th>
+                <th class="rr-table__num">Actual (INR)</th>
+                <th class="rr-table__num">Surplus / (Shortfall)</th>
+                <th class="rr-table__num">Against floor</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (day of m.days; track day.date) {
+                <tr [class.rr-day--short]="day.amount < m.dailyMinimumAmount">
+                  <td>{{ day.date }}</td>
+                  <td class="rr-table__num">{{ amount(day.required) }}</td>
+                  <td class="rr-table__num">{{ amount(day.amount) }}</td>
+                  <td class="rr-table__num" [class.rr-neg]="day.surplus < 0">{{ amount(day.surplus) }}</td>
+                  <td class="rr-table__num">
+                    @if (day.amount < m.dailyMinimumAmount) {
+                      <span class="rr-badge rr-badge--unmapped">Below floor</span>
+                    } @else {
+                      <span class="rr-ok">OK</span>
+                    }
+                  </td>
+                </tr>
+              }
+            </tbody>
+          </table>
+        </div>
+      }
+
+      <!-- ═══ Memorandum and Annexures ═══ -->
+      @for (section of namedSections; track section.title) {
+        @if (section.rows.length) {
+          <div class="rr-card rr-card--section">
+            <h3 class="rr-section__title">{{ section.title }}</h3>
+            <p class="rr-section__hint">{{ section.hint }}</p>
+            <table class="rr-table">
+              <thead>
+                <tr>
+                  <th>Particulars</th>
+                  <th class="rr-table__num">Amount (INR)</th>
+                </tr>
+              </thead>
+              <tbody>
+                @for (row of section.rows; track row.configKey) {
+                  <tr [class.rr-line--unconfigured]="!row.configured">
+                    <td>
+                      {{ row.label }}
+                      @if (!row.configured) {
+                        <span class="rr-badge rr-badge--unmapped">Not configured</span>
+                      }
+                    </td>
+                    <td class="rr-table__num">
+                      @if (row.configured) {
+                        {{ amount(row.amount) }}
+                      } @else {
+                        <span class="rr-dash">—</span>
+                      }
+                    </td>
+                  </tr>
+                }
+              </tbody>
+            </table>
+          </div>
+        }
+      }
+    }
+  }
+
+  <!--
+    ═══ Saved returns ═══
+    Outside the `@if (data)` block so the list stays reachable even when the live return cannot be
+    computed — a saved return from a month when it could is exactly what is wanted then, and a tab
+    that vanishes when the live figures fail would hide exactly the returns that still work.
+  -->
+  @if (activeTab === 'saved') {
+    <div class="rr-card rr-card--section rr-noprint">
+      <h3 class="rr-section__title">
+        Saved returns
+        @if (savedReturns.length) {
+          <span class="rr-badge rr-badge--mapped">{{ savedReturns.length }}</span>
+        }
+      </h3>
+      <p class="rr-section__hint">
+        Returns kept for the record. Each opens exactly as it was saved — the stored statement, not a re-run of today's
+        ledger, so a figure already reported cannot change underneath it.
+      </p>
+
+      @if (data?.computable) {
+        <div class="rr-save-row">
+          <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rr-save-row__note">
+            <mat-label>Note (optional)</mat-label>
+            <input matInput [(ngModel)]="savedRemarks" placeholder="e.g. provisional filing for this fortnight" />
+          </mat-form-field>
+          <button mat-raised-button color="primary" [disabled]="saving" (click)="saveCurrent()">
+            {{ saving ? 'Saving…' : 'Save this return' }}
+          </button>
+        </div>
+      }
+
+      @if (savedLoading) {
+        <div class="rr-loading">Loading saved returns…</div>
+      } @else if (!savedReturns.length) {
+        <div class="rr-empty">Nothing saved yet. Generate a return and press Save to keep it.</div>
+      } @else {
+        <table class="rr-table">
+          <thead>
+            <tr>
+              <th>Reporting date</th>
+              <th>Period</th>
+              <th class="rr-table__num">NDTL</th>
+              <th class="rr-table__num">Required</th>
+              <th class="rr-table__num">Maintained</th>
+              <th>Status</th>
+              <th>Saved</th>
+              <th></th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (row of savedReturns; track row.id) {
+              <tr [class.rr-saved--open]="viewingSaved?.id === row.id">
+                <td>{{ row.reportingDate }}</td>
+                <td class="rr-saved__period">{{ row.periodStart }} → {{ row.periodEnd }}</td>
+                <td class="rr-table__num">{{ amount(row.ndtlAmount) }}</td>
+                <td class="rr-table__num">{{ amount(row.requiredAmount) }}</td>
+                <td class="rr-table__num">{{ amount(row.maintainedAmount) }}</td>
+                <td>
+                  <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rr-saved__status">
+                    <mat-select [value]="row.status" (selectionChange)="updateSavedStatus(row, $event.value)">
+                      @for (s of filingStatuses; track s) {
+                        <mat-option [value]="s">{{ statusLabel(s) }}</mat-option>
+                      }
+                    </mat-select>
+                  </mat-form-field>
+                </td>
+                <td class="rr-saved__meta">{{ row.createdOn }}<br />{{ row.createdBy }}</td>
+                <td class="rr-saved__actions">
+                  <button mat-button class="rr-saved__view" (click)="viewSaved(row)">
+                    {{ viewingSaved?.id === row.id ? 'Close' : 'View' }}
+                  </button>
+                  <button mat-button class="rr-saved__del" (click)="deleteSaved(row)" title="Remove">
+                    <i class="fas fa-trash"></i>
+                  </button>
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      }
+    </div>
+
+    <!--
+    ═══ The opened snapshot ═══
+    Its own section below the list rather than in place of the live return: the reason to open a
+    saved return is almost always to compare it against where the bank stands now, which swapping
+    the live figures out would make impossible.
+  -->
+    @if (viewingSaved && savedData; as _) {
+      <div class="rr-card rr-card--section rr-card--saved" id="rr-saved-view">
+        <div class="rr-saved-head">
+          <div>
+            <h3 class="rr-section__title">
+              Saved return — {{ savedData.reportingDate }}
+              <span class="rr-badge rr-badge--future">{{ statusLabel(viewingSaved.status) }}</span>
+            </h3>
+            <p class="rr-section__hint">
+              Saved {{ viewingSaved.createdOn }} by {{ viewingSaved.createdBy || 'unknown' }}. These are the figures as
+              they stood when it was saved — not today's ledger, which may have moved since.
+              @if (viewingSaved.remarks) {
+                <em class="rr-saved__remarks">“{{ viewingSaved.remarks }}”</em>
+              }
+            </p>
+          </div>
+          <button mat-stroked-button (click)="closeSaved()">Close</button>
+        </div>
+
+        <div class="rr-summary">
+          <div class="rr-stat">
+            <span class="rr-stat__label">NDTL base</span>
+            <span class="rr-stat__value">{{ amount(savedData.ndtlAmount ?? savedData.dtlAmount) }}</span>
+            <span class="rr-stat__sub">as at {{ savedData.basis.dtlAsOnDate }}</span>
+          </div>
+          <div class="rr-stat">
+            <span class="rr-stat__label">{{ savedData.rateType }} rate</span>
+            <span class="rr-stat__value">{{ savedData.ratePercentage }}%</span>
+            <span class="rr-stat__sub">as filed</span>
+          </div>
+          <div class="rr-stat">
+            <span class="rr-stat__label">Required</span>
+            <span class="rr-stat__value">{{ amount(savedData.requiredAmount) }}</span>
+            <span class="rr-stat__sub">{{ savedData.ratePercentage }}% of NDTL</span>
+          </div>
+          <div class="rr-stat">
+            <span class="rr-stat__label">Maintained</span>
+            <span class="rr-stat__value">{{ amount(savedData.maintainedAmount) }}</span>
+            <span class="rr-stat__sub">on {{ savedData.basis.holdingsAsOnDate }}</span>
+          </div>
+          <div class="rr-stat" [class.rr-stat--good]="savedData.compliant" [class.rr-stat--bad]="!savedData.compliant">
+            <span class="rr-stat__label">{{ savedData.compliant ? 'Surplus' : 'Shortfall' }}</span>
+            <span class="rr-stat__value">{{ amount(savedSurplus) }}</span>
+            <span class="rr-stat__sub">{{ savedData.compliant ? 'Above requirement' : 'Below requirement' }}</span>
+          </div>
+        </div>
+
+        <table class="rr-table">
+          <thead>
+            <tr>
+              <th>Particulars</th>
+              <th>As at</th>
+              <th class="rr-table__num">Amount (INR)</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (line of savedData.lines; track line.configKey) {
+              <tr class="rr-line" [class.rr-line--unconfigured]="!line.configured">
+                <td>
+                  <span class="rr-line__label">{{ line.label }}</span>
+                </td>
+                <td class="rr-line__date">{{ line.asOnDate }}</td>
+                <td class="rr-table__num">
+                  @if (line.configured) {
+                    {{ amount(line.amount) }}
+                  } @else {
+                    <span class="rr-dash">—</span>
+                  }
+                </td>
+              </tr>
+              @for (account of line.accounts; track account.glAccountId) {
+                <tr class="rr-subline">
+                  <td>
+                    <span class="rr-subline__code">{{ account.glCode }}</span>
+                    {{ account.name }}
+                    @if (isPartial(account)) {
+                      <span class="rr-subline__portion">
+                        {{ account.weightPercentage }}% of {{ amount(account.accountBalance) }}
+                      </span>
+                    }
+                    @if (account.liabilityClass) {
+                      <span class="rr-subline__class">{{ account.liabilityClass | titlecase }}</span>
+                    }
+                  </td>
+                  <td></td>
+                  <td class="rr-table__num">{{ amount(account.balance) }}</td>
+                </tr>
+              }
+            }
+          </tbody>
+        </table>
+
+        @if (savedData.maintenance; as sm) {
+          <h4 class="rr-saved__subhead">Daily maintenance as filed — {{ sm.periodLabel || '' }}</h4>
+          <table class="rr-table">
+            <thead>
+              <tr>
+                <th>Date</th>
+                <th class="rr-table__num">Required</th>
+                <th class="rr-table__num">Actual</th>
+                <th class="rr-table__num">Surplus / (Shortfall)</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (day of sm.days; track day.date) {
+                <tr [class.rr-day--short]="day.amount < sm.dailyMinimumAmount">
+                  <td>{{ day.date }}</td>
+                  <td class="rr-table__num">{{ amount(day.required) }}</td>
+                  <td class="rr-table__num">{{ amount(day.amount) }}</td>
+                  <td class="rr-table__num" [class.rr-neg]="day.surplus < 0">{{ amount(day.surplus) }}</td>
+                </tr>
+              }
+            </tbody>
+          </table>
+        }
+      </div>
+    }
+  }
+
+  @if (toastVisible) {
+    <div class="rr-toast">{{ toastMsg }}</div>
+  }
+</div>

src/app/rbi-circulars/reserve-return/reserve-return.component.scss

@@ -0,0 +1,685 @@
+/**
+ * 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/.
+ */
+$primary: #1353a0;
+$border: #e2e8f0;
+$gray-50: #f8f9fa;
+$gray-200: #e8eaed;
+$gray-500: #9aa0a6;
+$gray-900: #202124;
+$green: #137333;
+$amber: #b06000;
+$red: #c5221f;
+
+.rr-container {
+  max-width: 1120px;
+  margin: 0 auto;
+  padding: 20px 16px;
+}
+
+.rr-loading {
+  padding: 36px;
+  text-align: center;
+  color: $gray-500;
+  font-size: 13px;
+}
+
+.rr-alert {
+  padding: 12px 16px;
+  border-radius: 8px;
+  font-size: 12.5px;
+  margin-bottom: 16px;
+  line-height: 1.6;
+
+  &--error {
+    background: #fce8e6;
+    color: $red;
+  }
+
+  &--warn {
+    background: #fef7e0;
+    color: $amber;
+  }
+}
+
+.rr-unmet {
+  margin: 8px 0 8px 18px;
+  padding: 0;
+
+  li {
+    margin-bottom: 4px;
+  }
+
+  // Sets up the list that follows: without it, a blank line reads as an error rather than as a
+  // head the bank has nothing under.
+  &__lead {
+    margin: 6px 0 0;
+    font-size: 12px;
+    font-weight: 400;
+    line-height: 1.6;
+    opacity: 0.9;
+  }
+
+  &__link {
+    display: inline-block;
+    margin-top: 4px;
+    font-weight: 600;
+    color: $primary;
+    text-decoration: none;
+
+    &:hover {
+      text-decoration: underline;
+    }
+  }
+}
+
+// ── Header ──
+
+.rr-header {
+  display: flex;
+  align-items: flex-start;
+  justify-content: space-between;
+  gap: 16px;
+  flex-wrap: wrap;
+  margin-bottom: 16px;
+
+  &__title {
+    margin: 0;
+    font-size: 18px;
+    font-weight: 600;
+    color: $gray-900;
+  }
+
+  &__freq {
+    display: inline-block;
+    margin-top: 4px;
+    margin-right: 10px;
+    font-size: 10.5px;
+    font-weight: 600;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    background: #e8f0fe;
+    color: $primary;
+    border-radius: 20px;
+    padding: 3px 10px;
+  }
+
+  &__period {
+    font-size: 12px;
+    color: $gray-500;
+  }
+
+  &__actions {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    flex-wrap: wrap;
+
+    i {
+      margin-right: 6px;
+    }
+  }
+}
+
+.rr-date {
+  width: 180px;
+}
+
+// ── Tabs ──
+
+.rr-tabs {
+  display: flex;
+  gap: 4px;
+  border-bottom: 1px solid $border;
+  margin-bottom: 16px;
+}
+
+.rr-tab {
+  display: inline-flex;
+  align-items: center;
+  gap: 8px;
+  background: none;
+  border: none;
+  border-bottom: 2px solid transparent;
+  padding: 10px 16px;
+  font-size: 13px;
+  font-weight: 600;
+  color: $gray-500;
+  cursor: pointer;
+  font-family: inherit;
+
+  i {
+    font-size: 12px;
+  }
+
+  &:hover {
+    color: $gray-900;
+  }
+
+  &--on {
+    color: $primary;
+    border-bottom-color: $primary;
+  }
+
+  &__count {
+    font-size: 10.5px;
+    font-weight: 700;
+    background: #e8f0fe;
+    color: $primary;
+    border-radius: 20px;
+    padding: 1px 8px;
+  }
+}
+
+// ── Basis ──
+
+.rr-basis {
+  background: $gray-50;
+  border: 1px solid $border;
+  border-radius: 10px;
+  padding: 14px 16px;
+  margin-bottom: 16px;
+
+  &__title {
+    margin: 0 0 12px;
+    font-size: 13px;
+    font-weight: 700;
+    color: $gray-900;
+  }
+
+  &__row {
+    display: flex;
+    align-items: center;
+    gap: 18px;
+    flex-wrap: wrap;
+  }
+
+  // The General Information particulars. A grid rather than a stack: eleven one-line facts read as
+  // a block to scan, not as a list to work down, and auto-fit keeps them legible at any width.
+  &__grid {
+    display: grid;
+    grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
+    gap: 12px 20px;
+  }
+
+  &__item {
+    min-width: 0;
+
+    &--muted {
+      opacity: 0.65;
+    }
+  }
+
+  &__label {
+    display: block;
+    font-size: 10.5px;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    color: $gray-500;
+  }
+
+  &__value {
+    font-size: 14px;
+    font-weight: 600;
+    color: $gray-900;
+    font-variant-numeric: tabular-nums;
+    overflow-wrap: anywhere;
+
+    // A particular nobody has maintained yet, shown as such rather than as a filled-in blank.
+    &--unset {
+      font-weight: 500;
+      font-style: italic;
+      color: $amber;
+    }
+  }
+
+  &__arrow {
+    color: $gray-500;
+    font-size: 12px;
+  }
+
+  &__note {
+    margin: 10px 0 0;
+    font-size: 11.5px;
+    color: $gray-500;
+    line-height: 1.6;
+  }
+}
+
+// ── Summary stats ──
+
+.rr-summary {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 12px;
+  margin-bottom: 16px;
+}
+
+.rr-stat {
+  flex: 1 1 180px;
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 10px;
+  padding: 12px 14px;
+
+  &__label {
+    display: block;
+    font-size: 10.5px;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    color: $gray-500;
+    margin-bottom: 4px;
+  }
+
+  &__value {
+    display: block;
+    font-size: 19px;
+    font-weight: 700;
+    color: $gray-900;
+    font-variant-numeric: tabular-nums;
+  }
+
+  &__sub {
+    display: block;
+    margin-top: 2px;
+    font-size: 11px;
+    color: $gray-500;
+
+    &--warn {
+      color: $amber;
+      font-weight: 600;
+    }
+  }
+
+  // The rate is still the shipped placeholder — the figures below it are only as good as it is.
+  &--provisional {
+    border-color: #fde68a;
+    background: #fffdf5;
+  }
+
+  // A shortfall is a regulatory breach, so it reads as one rather than as another number.
+  &--bad {
+    border-color: #f5c6c4;
+    background: #fffafa;
+
+    .rr-stat__value {
+      color: $red;
+    }
+  }
+
+  &--good {
+    border-color: #ceead6;
+    background: #fafffb;
+
+    .rr-stat__value {
+      color: $green;
+    }
+  }
+}
+
+// ── Table ──
+
+.rr-card {
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 12px;
+  padding: 6px 16px 14px;
+  overflow-x: auto;
+}
+
+.rr-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12.5px;
+
+  th {
+    text-align: left;
+    font-weight: 600;
+    color: $gray-500;
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.04em;
+    padding: 10px;
+    border-bottom: 1px solid $border;
+    white-space: nowrap;
+  }
+
+  td {
+    padding: 9px 10px;
+    border-bottom: 1px solid $gray-200;
+    color: $gray-900;
+  }
+
+  &__num {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+    white-space: nowrap;
+  }
+}
+
+.rr-line {
+  &__label {
+    font-weight: 600;
+  }
+
+  &__date {
+    color: $gray-500;
+    font-size: 11.5px;
+    white-space: nowrap;
+  }
+
+  &--unconfigured {
+    background: #fffafa;
+  }
+}
+
+.rr-subline {
+  td {
+    padding-top: 5px;
+    padding-bottom: 5px;
+    font-size: 11.5px;
+    color: $gray-500;
+    border-bottom: none;
+  }
+
+  td:first-child {
+    padding-left: 26px;
+  }
+
+  &__code {
+    font-family: 'Roboto Mono', monospace;
+    font-size: 10.5px;
+    background: $gray-50;
+    border: 1px solid $border;
+    border-radius: 4px;
+    padding: 1px 5px;
+    margin-right: 6px;
+  }
+
+  // Only part of the account is taken, so the figure alongside is not its balance.
+  &__portion {
+    margin-left: 8px;
+    font-size: 10.5px;
+    font-weight: 600;
+    color: $amber;
+    background: #fef7e0;
+    border-radius: 20px;
+    padding: 1px 8px;
+    white-space: nowrap;
+  }
+
+  &__class {
+    margin-left: 6px;
+    font-size: 10px;
+    font-weight: 600;
+    color: $primary;
+    background: #e8f0fe;
+    border-radius: 20px;
+    padding: 1px 8px;
+  }
+
+  // An account pinned to the role but not in the total. Marked rather than merely blank, so it
+  // reads as deliberately left out instead of as an account that happens to be nil.
+  &--excluded td {
+    color: $amber;
+  }
+
+  &__excluded {
+    font-size: 10.5px;
+    font-style: italic;
+    margin-left: 8px;
+    color: $amber;
+  }
+}
+
+.rr-total {
+  td {
+    font-weight: 700;
+    background: #e8f0fe;
+    border-bottom: 1px solid #d2e3fc;
+  }
+
+  &--bad td {
+    background: #fce8e6;
+    color: $red;
+    border-bottom-color: #f5c6c4;
+  }
+}
+
+.rr-dash {
+  color: $gray-500;
+}
+
+// ── Sections: Memorandum, Annexures, fortnight maintenance ──
+
+.rr-card--section {
+  margin-top: 16px;
+  padding: 16px;
+}
+
+.rr-section {
+  &__title {
+    margin: 0 0 4px;
+    font-size: 15px;
+    font-weight: 600;
+    color: $gray-900;
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    flex-wrap: wrap;
+  }
+
+  &__hint {
+    margin: 0 0 14px;
+    font-size: 12px;
+    color: $gray-500;
+    line-height: 1.6;
+  }
+}
+
+// A day below the daily floor is a breach on its own, even where the average passes.
+.rr-day--short td {
+  background: #fffafa;
+}
+
+.rr-ok {
+  font-size: 11px;
+  color: $green;
+  font-weight: 600;
+}
+
+// A shortfall on a day reads as one, rather than as a number with a minus sign in front.
+.rr-neg {
+  color: $red;
+  font-weight: 600;
+}
+
+// ── Saved returns ──
+
+.rr-empty {
+  padding: 22px;
+  text-align: center;
+  color: $gray-500;
+  font-size: 12.5px;
+}
+
+.rr-save-row {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  flex-wrap: wrap;
+  margin-bottom: 16px;
+
+  &__note {
+    flex: 1 1 340px;
+  }
+}
+
+.rr-saved {
+  &__period,
+  &__meta {
+    font-size: 11px;
+    color: $gray-500;
+    white-space: nowrap;
+  }
+
+  &__status {
+    width: 170px;
+  }
+
+  &__actions {
+    white-space: nowrap;
+  }
+
+  &__view {
+    font-size: 12px !important;
+    min-width: 0 !important;
+    color: $primary !important;
+  }
+
+  &__del {
+    min-width: 0 !important;
+    padding: 0 8px !important;
+    color: $gray-500 !important;
+
+    &:hover {
+      color: $red !important;
+    }
+  }
+
+  &__remarks {
+    display: block;
+    margin-top: 4px;
+    color: $gray-500;
+  }
+
+  &--open td {
+    background: #e8f0fe;
+  }
+}
+
+// The opened snapshot, in its own section. Tinted and edged so it reads as a different document
+// from the live return above it rather than as more of the same page.
+.rr-card--saved {
+  border-color: #c6dafc;
+  background: #fbfdff;
+  border-left: 4px solid $primary;
+}
+
+.rr-saved-head {
+  display: flex;
+  align-items: flex-start;
+  justify-content: space-between;
+  gap: 16px;
+  flex-wrap: wrap;
+}
+
+.rr-saved__subhead {
+  margin: 20px 0 8px;
+  font-size: 13px;
+  font-weight: 600;
+  color: $gray-900;
+}
+
+// ── Print ──
+// The browser's print dialog is also its save-as-PDF, so one stylesheet serves both. Controls,
+// navigation and the saved-returns list are dropped: a printed return is a statement, and a page
+// carrying dead buttons reads as a screenshot of software rather than as a filing.
+@media print {
+  .rr-noprint,
+  .rr-header__actions,
+  .rr-unmet__link {
+    display: none !important;
+  }
+
+  .rr-container {
+    max-width: none;
+    padding: 0;
+  }
+
+  .rr-card,
+  .rr-basis,
+  .rr-stat {
+    border-color: #999 !important;
+    box-shadow: none !important;
+    break-inside: avoid;
+  }
+
+  .rr-card {
+    overflow: visible !important;
+  }
+
+  // Header rows repeat on every printed page, so a table spilling over a page break stays readable.
+  .rr-table thead {
+    display: table-header-group;
+  }
+
+  .rr-table tr {
+    break-inside: avoid;
+  }
+
+  .rr-toast {
+    display: none !important;
+  }
+
+  // Backgrounds carry meaning here — a day below the floor is shaded, not merely labelled — so they
+  // must survive the print engine's default of dropping them to save ink.
+  .rr-container,
+  .rr-card,
+  .rr-basis,
+  .rr-stat,
+  .rr-table,
+  .rr-table th,
+  .rr-table td {
+    -webkit-print-color-adjust: exact;
+    print-color-adjust: exact;
+  }
+}
+
+.rr-badge {
+  display: inline-block;
+  margin-left: 8px;
+  font-size: 10px;
+  font-weight: 600;
+  border-radius: 20px;
+  padding: 2px 8px;
+
+  &--unmapped {
+    background: #fce8e6;
+    color: $red;
+  }
+
+  // The fortnight is still running, so the average is of the days elapsed so far.
+  &--partial {
+    background: #fef7e0;
+    color: $amber;
+  }
+}
+
+.rr-toast {
+  position: fixed;
+  bottom: 24px;
+  left: 50%;
+  transform: translateX(-50%);
+  background: $gray-900;
+  color: #fff;
+  font-size: 12.5px;
+  padding: 10px 18px;
+  border-radius: 8px;
+  z-index: 1000;
+}
+
+@media (width <= 720px) {
+  .rr-header__actions {
+    width: 100%;
+  }
+
+  .rr-date {
+    flex: 1 1 100%;
+    width: auto;
+  }
+}

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

@@ -12,6 +12,7 @@ import { Routes, RouterModule } from '@angular/router';
 
 /** Routing Imports */
 import { Route } from '../core/route/route.service';
+import { tdsConfigResolver } from '../letter-mgmt/certificates/form-15gh/tds-config.service';
 
 /** Custom Components */
 import { ReportsComponent } from './reports.component';
@@ -84,12 +85,14 @@ const routes: Routes = [
         {
           path: 'tds-interest',
           data: { title: 'Deposit Interest & TDS', breadcrumb: 'Deposit Interest & TDS' },
+          resolve: { tdsConfig: tdsConfigResolver },
           loadComponent: () =>
             import('../tds-reports/tds-interest-report.component').then((m) => m.TdsInterestReportComponent)
         },
         {
           path: 'tds-remittance',
           data: { title: 'TDS Remitted to Government', breadcrumb: 'TDS Remitted to Government' },
+          resolve: { tdsConfig: tdsConfigResolver },
           loadComponent: () =>
             import('../tds-reports/tds-remittance-report.component').then((m) => m.TdsRemittanceReportComponent)
         },

src/app/shared/accounting/view-savings-accounting-details/view-savings-accounting-details.component.html

@@ -21,7 +21,7 @@
         <div class="flex-100 layout-row-wrap responsive-column">
           <mifosx-gl-account-display
             class="flex-100"
-            [accountTitle]="'Saving reference'"
+            [accountTitle]="productLabel ? productLabel + ' reference' : 'Saving reference'"
             [glAccount]="accountingMappings.savingsReferenceAccount"
             [withTitle]="'40%'"
           >
@@ -72,7 +72,7 @@
           <div class="flex-100 layout-row-wrap responsive-column">
             <mifosx-gl-account-display
               class="flex-100"
-              [accountTitle]="'Saving control'"
+              [accountTitle]="productLabel ? productLabel + ' control' : 'Saving control'"
               [glAccount]="accountingMappings.savingsControlAccount"
               [withTitle]="'40%'"
             >
@@ -81,7 +81,7 @@
           <div class="flex-100 layout-row-wrap responsive-column">
             <mifosx-gl-account-display
               class="flex-100"
-              [accountTitle]="'Savings transfers in suspense'"
+              [accountTitle]="productLabel ? 'Transfers in suspense' : 'Savings transfers in suspense'"
               [glAccount]="accountingMappings.transfersInSuspenseAccount"
               [withTitle]="'40%'"
             >
@@ -143,7 +143,7 @@
           <div class="flex-100 layout-row-wrap responsive-column">
             <mifosx-gl-account-display
               class="flex-100"
-              [accountTitle]="'Interest on savings'"
+              [accountTitle]="productLabel ? 'Interest on ' + productLabel.toLowerCase() + 's' : 'Interest on savings'"
               [glAccount]="accountingMappings.interestOnSavingsAccount"
               [withTitle]="'40%'"
             >

src/app/shared/accounting/view-savings-accounting-details/view-savings-accounting-details.component.ts

@@ -26,6 +26,8 @@ export class ViewSavingsAccountingDetailsComponent {
 
   @Input() accountingRule: OptionData;
   @Input() accountingMappings: any[] = [];
+  /** Product name for GL row titles (e.g. 'Fixed deposit'); omitted = savings wording. */
+  @Input() productLabel?: string;
 
   isCashOrAccrualAccounting(): boolean {
     if (this.accountingRule) {

src/app/shares/shares-account-actions/apply-shares/apply-shares.component.html

@@ -226,8 +226,10 @@
         <mat-spinner diameter="16"></mat-spinner>
         <span>Submitting…</span>
       } @else {
-        <mat-icon>check</mat-icon>
-        <span>Submit Request</span>
+        <ng-container>
+          <mat-icon>check</mat-icon>
+          <span>Submit Request</span>
+        </ng-container>
       }
     </button>
   </mat-dialog-actions>

src/app/shares/shares-account-view/apply-collection-dialog/apply-collection-dialog.component.html

@@ -275,8 +275,10 @@
         <mat-spinner diameter="16"></mat-spinner>
         <span>Applying…</span>
       } @else {
-        <mat-icon>check</mat-icon>
-        <span>Apply Collection</span>
+        <ng-container>
+          <mat-icon>check</mat-icon>
+          <span>Apply Collection</span>
+        </ng-container>
       }
     </button>
   </mat-dialog-actions>