Merge branch 'dev-latest' of https://git.lincpay.tech/CBSNexora/cbsnexora into dev-latest

The product name is unique in the database, so a repeat click on Submit
while the first request is still in flight fails with a duplicate key
error even though the first request already created the product. Disables
the button and ignores repeat calls until the request settles; also drops
a stray debug console.log from the submit payload.

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

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

@@ -279,7 +279,7 @@
     <div class="gl-fgroup">
       <label class="gl-flabel"><fa-icon icon="calendar-alt"></fa-icon> From Date</label>
       <mat-form-field appearance="outline" class="gl-ffield">
-        <input matInput [matDatepicker]="dpFrom" [min]="minDate" [max]="maxDate" [formControl]="transactionDateFrom" />
+        <input matInput [matDatepicker]="dpFrom" [min]="minDate" [formControl]="transactionDateFrom" />
         <mat-datepicker-toggle matSuffix [for]="dpFrom"></mat-datepicker-toggle>
         <mat-datepicker #dpFrom></mat-datepicker>
       </mat-form-field>
@@ -288,7 +288,7 @@
     <div class="gl-fgroup">
       <label class="gl-flabel"><fa-icon icon="calendar-alt"></fa-icon> To Date</label>
       <mat-form-field appearance="outline" class="gl-ffield">
-        <input matInput [matDatepicker]="dpTo" [min]="minDate" [max]="maxDate" [formControl]="transactionDateTo" />
+        <input matInput [matDatepicker]="dpTo" [min]="minDate" [formControl]="transactionDateTo" />
         <mat-datepicker-toggle matSuffix [for]="dpTo"></mat-datepicker-toggle>
         <mat-datepicker #dpTo></mat-datepicker>
       </mat-form-field>
@@ -353,13 +353,7 @@
       <div class="gl-fgroup">
         <label class="gl-flabel"><fa-icon icon="calendar-check"></fa-icon> Submitted From</label>
         <mat-form-field appearance="outline" class="gl-ffield">
-          <input
-            matInput
-            [matDatepicker]="dpSubFrom"
-            [min]="minDate"
-            [max]="maxDate"
-            [formControl]="submittedOnDateFrom"
-          />
+          <input matInput [matDatepicker]="dpSubFrom" [min]="minDate" [formControl]="submittedOnDateFrom" />
           <mat-datepicker-toggle matSuffix [for]="dpSubFrom"></mat-datepicker-toggle>
           <mat-datepicker #dpSubFrom></mat-datepicker>
         </mat-form-field>
@@ -368,7 +362,7 @@
       <div class="gl-fgroup">
         <label class="gl-flabel"><fa-icon icon="calendar-check"></fa-icon> Submitted To</label>
         <mat-form-field appearance="outline" class="gl-ffield">
-          <input matInput [matDatepicker]="dpSubTo" [min]="minDate" [max]="maxDate" [formControl]="submittedOnDateTo" />
+          <input matInput [matDatepicker]="dpSubTo" [min]="minDate" [formControl]="submittedOnDateTo" />
           <mat-datepicker-toggle matSuffix [for]="dpSubTo"></mat-datepicker-toggle>
           <mat-datepicker #dpSubTo></mat-datepicker>
         </mat-form-field>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

src/app/cashier/cashier.service.ts

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

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

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

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

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

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

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

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

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

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

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

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

@@ -33,6 +33,7 @@ import {
 import { SponsorDDService } from '../../sponsor-dd/sponsor-dd.service';
 import { OrganizationService } from '../../organization/organization.service';
 import { CashierIssueDdDialogComponent } from './cashier-issue-dd-dialog.component';
+import { businessToday, businessTodayIso } from 'app/core/utils/business-today';
 
 interface TxnRow {
   typ: string;
@@ -621,7 +622,7 @@ export class AccountStatementDialogComponent implements OnInit {
 
   @ViewChild('statementContent') statementContent!: ElementRef;
 
-  today = new Date().toISOString().slice(0, 10);
+  today = businessTodayIso();
   fromDate = '';
   toDate = this.today;
 
@@ -1870,7 +1871,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   saving = false;
 
   ngOnInit(): void {
-    const d = new Date();
+    const d = businessToday();
     this.today = `${String(d.getDate()).padStart(2, '0')}/${String(d.getMonth() + 1).padStart(2, '0')}/${d.getFullYear()}`;
     this.addRow();
     this.loadDenominations();
@@ -2103,7 +2104,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   private loadOpeningPosition(): void {
-    const d = new Date();
+    const d = businessToday();
     const asOfDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     this.cashierService
       .getCashierPositionForMe(asOfDate)
@@ -2837,7 +2838,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
     fundingAccountId: number,
     fundingClientId: number | null
   ): void {
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     const isCurrent = row.acTyp === 'CA' || row.acTyp === 'CB';
     const isGl = row.acTyp === 'GL';
@@ -2969,7 +2970,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     const isCurrent = row.acTyp === 'CA' || row.acTyp === 'CB';
 
@@ -3068,7 +3069,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const d = new Date();
+    const d = businessToday();
     const issuedDate = `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
 
     const payload = {
@@ -3391,7 +3392,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const requestedDate = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 
     // Full snapshot of the CR (settlement) row exactly as the clerk filled it in — saved verbatim
@@ -3512,7 +3513,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const requestedDate = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 
     // Full snapshot of the CR (settlement) row exactly as the clerk filled it in — saved verbatim
@@ -4173,7 +4174,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   ): void {
     const accountUrl = `${cfg.detail}/${accountId}${cfg.detailParams ?? '?associations=all'}`;
     const todayStr = (() => {
-      const d = new Date();
+      const d = businessToday();
       return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
     })();
 
@@ -4549,7 +4550,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
   }
 
   get todayIso(): string {
-    const d = new Date();
+    const d = businessToday();
     return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
   }
 
@@ -5071,7 +5072,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       this.sameDayChequeClearing = 0;
       return;
     }
-    const today = new Date();
+    const today = businessToday();
     const sameDay = (d: any) => {
       if (!d) return false;
       const t = Array.isArray(d) && d.length >= 3 ? new Date(d[0], d[1] - 1, d[2]) : new Date(d);
@@ -5959,7 +5960,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const txnDate = `${String(today.getDate()).padStart(2, '0')}/${String(today.getMonth() + 1).padStart(2, '0')}/${today.getFullYear()}`;
 
     const payload: any = {
@@ -6154,7 +6155,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
   /** Build the withdrawal-request payload from the current row + loaded account. */
   private buildWithdrawalPayload(row: TxnRow, amount: number): any {
-    const today = new Date();
+    const today = businessToday();
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
     const selectedPt = this.paymentTypes.find((p: any) => p.id === row.paymentTypeId);
 
@@ -6259,7 +6260,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
 
   /** Build the deposit-request payload from the current row + loaded account. */
   private buildDepositPayload(row: TxnRow, amount: number): any {
-    const today = new Date();
+    const today = businessToday();
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
     const selectedPt = this.paymentTypes.find((p: any) => p.id === row.paymentTypeId);
     // Send denominations only for cash payments — stale counts on a cheque
@@ -6370,7 +6371,7 @@ export class TransactionEntryComponent implements OnInit, OnDestroy {
       return;
     }
 
-    const today = new Date();
+    const today = businessToday();
     const txnDate = `${String(today.getDate()).padStart(2, '0')}/${String(today.getMonth() + 1).padStart(2, '0')}/${today.getFullYear()}`;
     const txnDateIso = `${today.getFullYear()}-${String(today.getMonth() + 1).padStart(2, '0')}-${String(today.getDate()).padStart(2, '0')}`;
 

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

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

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

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

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

@@ -56,8 +56,8 @@
         <mat-icon>info_outline</mat-icon>
         <div>
           @if (configMissing) {
-            TDS rates for FY {{ fy }} are not configured, so the tax cannot be computed. Set them up under
-            Organization › TDS Configuration.
+            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.
@@ -116,8 +116,8 @@
         <div class="f121__note f121__note--warn">
           <mat-icon>warning_amber</mat-icon>
           <div>
-            A Form 121 declaration is on record for this year, but withholding is still switched on for one or more
-            deposits. Turn it off on those accounts, or tax will keep being deducted.
+            A declaration is on record for this year, but one or more deposits still carry a tax group. Those accounts
+            deduct on their own and ignore the declaration — remove the tax group from them.
           </div>
         </div>
       }
@@ -192,20 +192,90 @@
               }
             </span>
           </div>
-          @if (declarationOnRecord && declarationFy) {
+          @if (declarationRecord; as d) {
             <div class="f121__kv-row">
               <span>Declared for</span>
-              <span>FY {{ declarationFy }}</span>
+              <span>FY {{ d.fy }} · Form {{ d.formType }}</span>
             </div>
-          }
-          @if (declarationOnRecord && !acceptanceDateKnown) {
-            <div class="f121__kv-row f121__kv-row--muted">
-              <span>Acceptance date</span>
+            <div class="f121__kv-row">
+              <span>Accepted on</span>
               <span>
-                Not captured — the declaration is treated as covering the whole year. A mid-year acceptance would change
-                the figures below.
+                {{ d.acceptedOn | date: 'd MMM y' }} — no TDS on interest credited from this day to 31 March. Interest
+                credited before it is taxed as usual.
               </span>
             </div>
+            @if (d.uin) {
+              <div class="f121__kv-row">
+                <span>UIN</span>
+                <span class="f121__mono">{{ d.uin }}</span>
+              </div>
+            }
+            <div class="f121__kv-row">
+              <span></span>
+              <span>
+                <button type="button" class="f121__btn f121__btn--warn" (click)="revokeDeclaration()">
+                  Withdraw declaration
+                </button>
+              </span>
+            </div>
+          } @else if (fy && !configMissing) {
+            <div class="f121__kv-row">
+              <span></span>
+              <span>
+                @if (!showDeclarationForm) {
+                  <button type="button" class="f121__btn" (click)="openDeclarationForm()" [disabled]="!panWellFormed">
+                    Record {{ formLabel }} for FY {{ fy }}
+                  </button>
+                  @if (!panWellFormed) {
+                    <div class="muted">A valid PAN must be on the KYC first — a declaration without one is void.</div>
+                  }
+                }
+              </span>
+            </div>
+            @if (showDeclarationForm) {
+              <div class="f121__decl-form">
+                <label>
+                  <span>Accepted on *</span>
+                  <input type="date" [(ngModel)]="newDeclaration.acceptedOn" />
+                </label>
+                <label>
+                  <span>UIN</span>
+                  <input type="text" [(ngModel)]="newDeclaration.uin" placeholder="Allotted on acceptance" />
+                </label>
+                <label>
+                  <span>Estimated income for the year (₹)</span>
+                  <input type="number" min="0" [(ngModel)]="newDeclaration.estimatedIncome" />
+                </label>
+                @if (declarationError) {
+                  <div class="f121__note f121__note--warn">
+                    <mat-icon>error_outline</mat-icon>
+                    <div>{{ declarationError }}</div>
+                  </div>
+                }
+                <div class="f121__decl-actions">
+                  <button type="button" class="f121__btn" (click)="showDeclarationForm = false">Cancel</button>
+                  <button
+                    type="button"
+                    class="f121__btn f121__btn--primary"
+                    (click)="saveDeclaration()"
+                    [disabled]="savingDeclaration"
+                  >
+                    {{ savingDeclaration ? 'Saving…' : 'Save declaration' }}
+                  </button>
+                </div>
+              </div>
+            }
+          }
+          @for (old of declarations; track old.id) {
+            @if (old.revoked && old.fy === fy) {
+              <div class="f121__kv-row f121__kv-row--muted">
+                <span>Withdrawn</span>
+                <span>
+                  Form {{ old.formType }} accepted {{ old.acceptedOn | date: 'd MMM y' }}, withdrawn
+                  {{ old.revokedOn | date: 'd MMM y' }} — {{ old.revokeReason }}
+                </span>
+              </div>
+            }
           }
           @if (eligibility) {
             @for (reason of eligibility.reasons; track reason) {

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

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

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

@@ -23,6 +23,8 @@ import { SavingsService } from 'app/savings/savings.service';
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
 import { RecurringDepositsService } from 'app/deposits/recurring-deposits/recurring-deposits.service';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { TdsDeclarationRecord, TdsReportsService } from 'app/tds-reports/tds-reports.service';
+import { TdsDeductee } from 'app/tds-reports/tds-reports-data';
 
 /** Domain logic */
 import {
@@ -111,6 +113,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   private savingsService = inject(SavingsService);
   private fixedDepositsService = inject(FixedDepositsService);
   private recurringDepositsService = inject(RecurringDepositsService);
+  private tdsService = inject(TdsReportsService);
 
   private destroy$ = new Subject<void>();
 
@@ -124,23 +127,25 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   pan = '';
   panWellFormed = false;
 
-  // ── Declaration on record ──
-  declarationOnRecord = false;
+  // ── Declarations on record ──
+  /**
+   * Every declaration the customer has given, each for one year and from the day the branch
+   * accepted it. The KYC record only ever held a type and a year, which made a September
+   * declaration shield interest back to April and let last year's form run on.
+   */
+  declarations: TdsDeclarationRecord[] = [];
   /**
    * The form actually in force for the selected year. From FY 2026-27 a single
    * Form 121 replaced the 15G/15H split, so this is derived from the year rather
    * than from the payee's age.
    */
   declarationForm: DeclarationForm = '121';
-  /** Kind recorded at KYC, meaningful only for a pre-2026 year. */
-  declarationKind: '15G' | '15H' = '15G';
-  declarationFy = '';
-  /**
-   * The KYC step records only the year, not the date the branch accepted the
-   * declaration, so it has to be treated as covering the whole year. Surfaced on
-   * screen rather than hidden — a mid-year acceptance would change the figures.
-   */
-  acceptanceDateKnown = false;
+
+  // ── Recording a declaration ──
+  showDeclarationForm = false;
+  savingDeclaration = false;
+  declarationError = '';
+  newDeclaration = { acceptedOn: '', uin: '', estimatedIncome: null as number | null };
 
   eligibility: EligibilityResult | null = null;
 
@@ -157,9 +162,9 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   configMissing = false;
 
   /** Raw account inputs, kept so the year selector can recompute cheaply. */
-  private accountInputs: (TdsAccountInput & { meta: Form121AccountRow })[] = [];
-  /** Withheld-tax postings by FY, from the ledger. */
-  private actualTdsByFy = new Map<string, number>();
+  private accountInputs: (TdsAccountInput & { meta: Form121AccountRow; taxLines: InterestCredit[] })[] = [];
+  /** This customer's FD/RD interest received in savings, and TDS taken there, per year. */
+  private platformByFy = new Map<string, TdsDeductee | null>();
 
   ngOnInit(): void {
     this.route.parent.params.pipe(takeUntil(this.destroy$)).subscribe((params: any) => {
@@ -182,13 +187,15 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     forkJoin({
       client: this.clientsService.getClientData(this.clientId, true).pipe(catchError(() => of(null))),
       kyc: this.clientsService.getClientKyc(this.clientId, true).pipe(catchError(() => of(null))),
-      accounts: this.clientsService.getClientAccountData(this.clientId).pipe(catchError(() => of(null)))
+      accounts: this.clientsService.getClientAccountData(this.clientId).pipe(catchError(() => of(null))),
+      declarations: this.tdsService.getDeclarations(Number(this.clientId)).pipe(catchError(() => of([])))
     })
       .pipe(
         takeUntil(this.destroy$),
-        switchMap(({ client, kyc, accounts }) => {
+        switchMap(({ client, kyc, accounts, declarations }) => {
           this.applyClient(client);
           this.applyKyc(kyc);
+          this.declarations = declarations || [];
           const deposits = this.depositAccountsOf(accounts);
           return deposits.length ? forkJoin(deposits.map((a) => this.fetchAccount(a))) : of([] as any[]);
         }),
@@ -212,12 +219,8 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   private applyKyc(kyc: any): void {
     this.pan = (kyc?.panNumber ?? '').toUpperCase();
     this.panWellFormed = isWellFormedPan(this.pan);
-    this.declarationOnRecord = !!kyc?.form15Applicable;
-    this.declarationKind = kyc?.form15Type === '15H' ? '15H' : '15G';
     this.declarationForm =
       this.fy && FY_TAX_CONFIG[normaliseFy(this.fy)] ? declarationFormFor(this.fy, this.dateOfBirth) : '121';
-    this.declarationFy = kyc?.form15FY ?? '';
-    this.acceptanceDateKnown = false;
   }
 
   /** Savings, FD and RD accounts — everything that can credit interest. */
@@ -251,7 +254,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
    */
   private ingest(details: any[]): void {
     this.accountInputs = [];
-    this.actualTdsByFy = new Map<string, number>();
+    this.platformByFy = new Map<string, TdsDeductee | null>();
     const fys = new Set<string>();
     const clientIdNum = Number(this.clientId);
 
@@ -272,6 +275,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
       };
 
       const credits: InterestCredit[] = [];
+      const taxLines: InterestCredit[] = [];
       let tdsDeducted = 0;
 
       for (const t of d.transactions ?? []) {
@@ -289,8 +293,7 @@ export class Form121TabComponent implements OnInit, OnDestroy {
         } else if (t.transactionType?.withholdTax) {
           const amount = t.amount ?? 0;
           tdsDeducted += amount;
-          const txnFy = fyOf(iso);
-          this.actualTdsByFy.set(txnFy, (this.actualTdsByFy.get(txnFy) ?? 0) + amount);
+          taxLines.push({ date: iso, amount, accountNo: ref.accountNo });
         }
       }
 
@@ -313,12 +316,12 @@ export class Form121TabComponent implements OnInit, OnDestroy {
         deducteeClientId: deductee
       };
 
-      this.accountInputs.push({ ...ref, credits, meta });
+      this.accountInputs.push({ ...ref, credits, taxLines, meta });
     }
 
     this.availableFys = [...fys].sort().reverse();
     if (!this.availableFys.includes(this.fy)) {
-      this.fy = this.availableFys[0] ?? (this.declarationFy ? normaliseFy(this.declarationFy) : '');
+      this.fy = this.availableFys[0] ?? this.declarations[0]?.fy ?? Object.keys(FY_TAX_CONFIG).sort().reverse()[0] ?? '';
     }
   }
 
@@ -338,11 +341,35 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     const year = normaliseFy(this.fy);
     this.configMissing = !FY_TAX_CONFIG[year];
 
+    // TDS is tracked on FD/RD interest once it reaches savings, and deducted there. Those figures live
+    // on the platform, not in the deposit's own transactions, so they are fetched once per year and
+    // the computation waits for them.
+    if (!this.platformByFy.has(year)) {
+      this.loadPlatformYear(year);
+      return;
+    }
+    const platform = this.platformByFy.get(year);
+    for (const a of this.accountInputs) {
+      if (!a.meta.tdsApplicable) {
+        continue;
+      }
+      const match = platform?.accounts.find((p) => p.accountNo === a.accountNo);
+      a.credits = match?.credits ?? [];
+      a.taxLines = match?.deductions ?? [];
+    }
+
     // Per-account interest for the selected year, for the three lists.
     for (const a of this.accountInputs) {
       a.meta.interest = a.credits.filter((c) => fyOf(c.date) === year).reduce((s, c) => s + c.amount, 0);
+      // The selected year only - this used to total every year the account had ever been taxed in.
+      a.meta.tdsDeducted = a.meta.tdsApplicable
+        ? a.taxLines.filter((c) => fyOf(c.date) === year).reduce((s, c) => s + c.amount, 0)
+        : 0;
     }
-    this.actualTds = this.actualTdsByFy.get(year) ?? 0;
+    // What was actually debited for this customer as deductee, wherever the savings account sits.
+    this.actualTds = this.accountInputs
+      .filter((a) => a.meta.tdsApplicable)
+      .reduce((s, a) => s + a.meta.tdsDeducted, 0);
 
     if (!this.dateOfBirth || this.configMissing) {
       return;
@@ -382,21 +409,95 @@ export class Form121TabComponent implements OnInit, OnDestroy {
     return applicable.some((a) => a.meta.mode === 'QUARTERLY') ? 'QUARTERLY' : 'ANNUAL';
   }
 
-  /** The declaration, but only when it was filed for the year being shown. */
-  private declarationForSelectedFy(): Declaration | null {
-    if (!this.declarationOnRecord || !this.fy) {
+  private loadPlatformYear(year: string): void {
+    this.tdsService
+      .getDepositInterest(Number(year.slice(0, 4)), Number(this.clientId))
+      .pipe(
+        catchError(() => of([])),
+        takeUntil(this.destroy$)
+      )
+      .subscribe((rows) => {
+        this.platformByFy.set(year, rows.find((r) => `${r.clientId}` === `${this.clientId}`) ?? null);
+        this.recompute();
+      });
+  }
+
+  /** The live declaration recorded for the year being shown, if any. */
+  get declarationRecord(): TdsDeclarationRecord | null {
+    if (!this.fy) {
       return null;
     }
     const year = normaliseFy(this.fy);
-    if (this.declarationFy && normaliseFy(this.declarationFy) !== year) {
+    return this.declarations.find((d) => d.fy === year && !d.revoked) ?? null;
+  }
+
+  get declarationOnRecord(): boolean {
+    return !!this.declarationRecord;
+  }
+
+  /** The declaration as the engine takes it — operative from the day it was accepted. */
+  private declarationForSelectedFy(): Declaration | null {
+    const d = this.declarationRecord;
+    if (!d) {
       return null;
     }
-    return {
-      kind: this.declarationKind,
-      // No acceptance date on record — treated as covering the whole year.
-      acceptedOn: `${year.slice(0, 4)}-04-01`,
-      fy: year
-    };
+    const kind = d.formType === '15H' ? '15H' : d.formType === '15G' ? '15G' : formKindFor(this.dateOfBirth, d.fy);
+    return { kind, acceptedOn: d.acceptedOn, fy: d.fy, uin: d.uin || undefined };
+  }
+
+  openDeclarationForm(): void {
+    this.newDeclaration = { acceptedOn: new Date().toISOString().slice(0, 10), uin: '', estimatedIncome: null };
+    this.declarationError = '';
+    this.showDeclarationForm = true;
+  }
+
+  saveDeclaration(): void {
+    if (!this.newDeclaration.acceptedOn) {
+      this.declarationError = 'Enter the date the branch accepted the form.';
+      return;
+    }
+    this.savingDeclaration = true;
+    this.declarationError = '';
+    this.tdsService
+      .createDeclaration({
+        clientId: Number(this.clientId),
+        fy: normaliseFy(this.fy),
+        formType: declarationFormFor(this.fy, this.dateOfBirth),
+        acceptedOn: this.newDeclaration.acceptedOn,
+        uin: this.newDeclaration.uin || undefined,
+        estimatedIncome: this.newDeclaration.estimatedIncome
+      })
+      .subscribe({
+        next: (rows) => {
+          this.savingDeclaration = false;
+          this.showDeclarationForm = false;
+          this.declarations = rows || [];
+          this.recompute();
+        },
+        error: (err: any) => {
+          this.savingDeclaration = false;
+          this.declarationError =
+            err?.error?.errors?.[0]?.defaultUserMessage || err?.error?.defaultUserMessage || 'Could not save.';
+        }
+      });
+  }
+
+  revokeDeclaration(): void {
+    const d = this.declarationRecord;
+    if (!d) {
+      return;
+    }
+    const reason = prompt('Why is this declaration being withdrawn? From today, TDS will be deducted again.');
+    if (!reason) {
+      return;
+    }
+    this.tdsService.revokeDeclaration(d.id, reason).subscribe({
+      next: (rows) => {
+        this.declarations = rows || [];
+        this.recompute();
+      },
+      error: (err: any) => alert(err?.error?.defaultUserMessage || 'Could not revoke the declaration.')
+    });
   }
 
   // ───────────────────────── Template helpers ─────────────────────────
@@ -474,11 +575,12 @@ export class Form121TabComponent implements OnInit, OnDestroy {
   }
 
   /**
-   * A declaration is on record but deposit accounts are still set to withhold —
-   * the branch has not switched them off.
+   * A declaration is on record but a deposit still carries a stock Fineract tax group. Those
+   * accounts withhold on their own rules and never consult the declaration record, so the form
+   * does not stop their deduction until the tax group is removed.
    */
   get declarationNotAppliedToAccounts(): boolean {
-    return !!this.declarationForSelectedFy() && this.liableAccounts.some((a) => a.withHoldTax);
+    return !!this.declarationForSelectedFy() && this.liableAccounts.some((a) => !!a.taxGroup);
   }
 
   /**

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

@@ -477,7 +477,8 @@ export class KycTabComponent implements OnInit, OnDestroy {
       adverseMediaMatch: !!v.adverseMediaMatch,
       // Blank stays null rather than becoming zero: an income nobody asked for is unknown, and a zero would read as a
       // customer who declared no income at all.
-      declaredAnnualIncome: v.declaredAnnualIncome === '' || v.declaredAnnualIncome == null ? null : v.declaredAnnualIncome,
+      declaredAnnualIncome:
+        v.declaredAnnualIncome === '' || v.declaredAnnualIncome == null ? null : v.declaredAnnualIncome,
       declaredAnnualTurnover:
         v.declaredAnnualTurnover === '' || v.declaredAnnualTurnover == null ? null : v.declaredAnnualTurnover
     };
@@ -522,7 +523,7 @@ export class KycTabComponent implements OnInit, OnDestroy {
       dateFormat: 'dd MMMM yyyy',
       ...this.buildDocumentFields(),
       ...this.buildRiskProfileFields(),
-        ...this.buildExceptionFields()
+      ...this.buildExceptionFields()
     };
 
     if (!this.kycId) {
@@ -769,7 +770,7 @@ export class KycTabComponent implements OnInit, OnDestroy {
       riskCategory: this.kycForm.value.riskCategory || 1,
       ...declarationFields,
       ...this.buildRiskProfileFields(),
-        ...this.buildExceptionFields()
+      ...this.buildExceptionFields()
     };
 
     this.clientsService
@@ -930,7 +931,7 @@ export class KycTabComponent implements OnInit, OnDestroy {
       riskCategory: this.kycForm.value.riskCategory || 1,
       ...receiptFields,
       ...this.buildRiskProfileFields(),
-        ...this.buildExceptionFields()
+      ...this.buildExceptionFields()
     };
 
     this.clientsService

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

@@ -31,7 +31,25 @@ export class CacheInterceptor implements HttpInterceptor {
    * 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 static readonly NEVER_CACHE = [
+    '/rbireservereturn',
+    '/rbireserveconfig',
+    '/tdsconfig',
+    '/tds/deposit-interest',
+    // Declarations and challans are entered on the very screens that read them back.
+    '/tds/declarations',
+    '/tds/challans',
+    '/tds/deducted',
+    '/savingsinterestpostingreports',
+    // Cash in vaults and drawers changes with every transaction; a cached teller list or position
+    // kept showing a branch's old tellers and figures at day close.
+    '/tellers',
+    '/cashreports',
+    '/cashreconciliation',
+    '/cashsettlement',
+    '/cashtransfer',
+    '/branchday'
+  ];
 
   private isCacheable(url: string): boolean {
     return !CacheInterceptor.NEVER_CACHE.some((fragment) => url.includes(fragment));

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

@@ -663,6 +663,12 @@
       <button mat-menu-item routerLink="/reports/savings-interest" tabindex="0">
         <i class="fa fa-percentage menu-item-icon"></i> Savings Interest Posted
       </button>
+      <button mat-menu-item routerLink="/reports/interest-posting" tabindex="0">
+        <i class="fa fa-clipboard-check menu-item-icon"></i> Interest Posting Reports
+      </button>
+      <button mat-menu-item routerLink="/reports/interest-posting-summary" tabindex="0">
+        <i class="fa fa-table menu-item-icon"></i> Interest Posting Summary (Branch-wise)
+      </button>
       <!--
         The Principal Officer clears flagged UNSC screenings here. It is not a runnable report,
         so it never shows up under the report categories above and had no nav entry at all.
@@ -2076,6 +2082,8 @@
                at month end. -->
           <div class="gl-group">
             <div class="gl-group-title">Reserve Returns</div>
+            <!-- The statutory form is a tab on Form 1 rather than an entry of its own: two menu
+                 items for one return had a filer guessing which one they were looking at. -->
             <a
               class="gl-link"
               [class.hidden]="!matchesRbiSearch('Form 1 CRR Cash Reserve Ratio')"
@@ -2084,13 +2092,18 @@
             >
               <fa-icon icon="percentage" class="gl-icon" style="color: #b45309"></fa-icon> Form 1 — CRR (fortnightly)
             </a>
+            <!-- Form 9 (SLR) has no entry of its own. Section 24 is settled on the statutory Form 1,
+                 at Part C, on the same liabilities Part B charges the cash reserve on — so the SLR
+                 position is read there rather than on a second screen that computed it from a
+                 differently drawn base and disagreed. -->
             <a
               class="gl-link"
-              [class.hidden]="!matchesRbiSearch('Form 9 SLR Statutory Liquidity Ratio')"
-              routerLink="/rbi/form9"
+              [class.hidden]="!matchesRbiSearch('Form IX R408 Return on Assets and Liabilities balance sheet')"
+              routerLink="/rbi/form9-return"
               (click)="rbiMenuOpen = false"
             >
-              <fa-icon icon="percentage" class="gl-icon" style="color: #b45309"></fa-icon> Form 9 — SLR (monthly)
+              <fa-icon icon="percentage" class="gl-icon" style="color: #b45309"></fa-icon> Form IX — Assets &amp;
+              Liabilities (R408)
             </a>
           </div>
           <!-- CIMS / XBRL Returns -->

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

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

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

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

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

@@ -0,0 +1,30 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+/**
+ * The bank's "today": the business date while `enable-business-date` is on, the server's own date
+ * while it is off. The server decides which (GET /branchday/today); the web app stores the answer
+ * in `mifosXServerDate` at login and whenever the business date changes. Before that has happened
+ * the browser clock is the only date there is, so it is the fallback.
+ */
+export function businessToday(): Date {
+  const stored = localStorage.getItem('mifosXServerDate');
+  const match = stored ? /^(\d{4})-(\d{2})-(\d{2})$/.exec(stored) : null;
+  if (!match) {
+    return new Date();
+  }
+  // Built from parts so it is local midnight — new Date('yyyy-MM-dd') would be UTC midnight and
+  // land on the previous day in any timezone behind UTC.
+  return new Date(Number(match[1]), Number(match[2]) - 1, Number(match[3]));
+}
+
+/** {@link businessToday} as yyyy-MM-dd. */
+export function businessTodayIso(): string {
+  const d = businessToday();
+  return `${d.getFullYear()}-${String(d.getMonth() + 1).padStart(2, '0')}-${String(d.getDate()).padStart(2, '0')}`;
+}

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

@@ -268,7 +268,7 @@
                 <span class="nx-row__label">OD Interest Charged</span>
                 <span class="nx-row__value nx-row__value--amount">
                   {{
-                    (currentAccountData.summary.totalOverdraftInterestDerived || 0)
+                    currentAccountData.summary.totalOverdraftInterestDerived || 0
                       | currency: currency.code : 'symbol-narrow' : '1.2-2'
                   }}
                 </span>

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

@@ -24,6 +24,7 @@ import { UntypedFormBuilder, UntypedFormGroup, UntypedFormControl, ValidatorFn,
 /** Custom Services */
 import { FixedDepositsService } from '../../../fixed-deposits.service';
 import { SettingsService } from 'app/settings/settings.service';
+import { AlertService } from 'app/core/alert/alert.service';
 import { Dates } from 'app/core/utils/dates';
 import { FormatNumberPipe } from '../../../../../pipes/format-number.pipe';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
@@ -97,6 +98,7 @@ export class PaymentDialogComponent implements OnInit {
   private fixedDepositsService = inject(FixedDepositsService);
   private settingsService = inject(SettingsService);
   private dateUtils = inject(Dates);
+  private alertService = inject(AlertService);
 
   paymentForm: UntypedFormGroup;
   /** Loaded once, on open, from the same closure template the existing Close action already uses. */
@@ -375,7 +377,16 @@ export class PaymentDialogComponent implements OnInit {
     this.fixedDepositsService
       .executeFixedDepositsAccountCommand(this.data.accountId as string, 'payment', data)
       .subscribe({
-        next: () => {
+        next: (response: any) => {
+          // Parked in the Checker Inbox rather than executed -- see the same handling in
+          // PrematureCloseDialogComponent for why an HTTP 200 here can still mean "not applied yet".
+          if (response?.rollbackTransaction) {
+            this.alertService.alert({
+              type: 'Success',
+              message:
+                'This payment has been submitted for approval. The deposit is unchanged until a checker approves it.'
+            });
+          }
           this.dialogRef.close({ confirm: true });
         },
         // Keep the dialog open with the entered values and say what went wrong, rather than leaving a

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

@@ -51,12 +51,53 @@
           }
         </mat-form-field>
 
+        <mat-form-field appearance="outline">
+          <mat-label>Closure Reason</mat-label>
+          <mat-select formControlName="prematureClosureReasonId">
+            @for (reason of closureReasonOptions; track reason.id) {
+              <mat-option [value]="reason.id">{{ reason.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+
         @if (loadingAmount) {
           <div class="pcd__loading">
             <mat-spinner diameter="28"></mat-spinner>
             <span>Calculating premature-closure amount...</span>
           </div>
         } @else {
+          @if (data.activatedOnDate || data.maturityDate || data.currentBalance !== undefined) {
+            <div class="pcd__preview pcd__preview--tenure">
+              @if (data.activatedOnDate) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Current Term Started</span>
+                  <span class="pcd__preview-value">{{ activatedOnDateDisplay }}</span>
+                </div>
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Tenure Completed (this term)</span>
+                  <span class="pcd__preview-value"
+                    >{{ tenureElapsedDisplay }} <span class="pcd__preview-sub">({{ daysElapsed }} days)</span></span
+                  >
+                </div>
+              }
+              @if (data.maturityDate) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Scheduled Maturity Date</span>
+                  <span class="pcd__preview-value"
+                    >{{ maturityDateDisplay }}
+                    <span class="pcd__preview-sub">({{ daysRemainingToMaturity }} days left)</span></span
+                  >
+                </div>
+              }
+              @if (data.currentBalance !== undefined && data.currentBalance !== null) {
+                <div class="pcd__preview-row">
+                  <span class="pcd__preview-label">Current Balance (as of today)</span>
+                  <span class="pcd__preview-value">{{ data.currentBalance | formatNumber }}</span>
+                </div>
+              }
+            </div>
+          }
+
           @if (maturityAmount !== null && maturityAmount !== undefined) {
             <div class="pcd__preview">
               @if (data.depositAmount) {
@@ -71,12 +112,27 @@
                   <span class="pcd__preview-value">{{ data.nominalAnnualInterestRate }}%</span>
                 </div>
               }
+              @if (effectiveInterestRate !== null && effectiveInterestRate !== undefined) {
+                <div class="pcd__preview-row pcd__preview-row--highlight">
+                  <span class="pcd__preview-label">Effective Rate for this closure</span>
+                  <span class="pcd__preview-value">{{ effectiveInterestRate }}%</span>
+                </div>
+              }
               @if (data.preClosurePenalApplicable) {
-                <div class="pcd__preview-row">
+                <div
+                  class="pcd__preview-row"
+                  [class.pcd__preview-row--waived]="prematureCloseForm.get('waivePreClosurePenalty').value"
+                >
                   <span class="pcd__preview-label"
                     >Pre-Closure Penalty (on {{ data.preClosurePenalInterestOnType?.value }})</span
                   >
-                  <span class="pcd__preview-value">&minus; {{ data.preClosurePenalInterest }}%</span>
+                  <span class="pcd__preview-value">
+                    @if (prematureCloseForm.get('waivePreClosurePenalty').value) {
+                      <span class="pcd__penalty-waived-tag">Waived</span>
+                    } @else {
+                      &minus; {{ data.preClosurePenalInterest }}%
+                    }
+                  </span>
                 </div>
               }
               @if (interestEarned !== null) {
@@ -84,7 +140,9 @@
                   <span class="pcd__preview-label"
                     >Interest Earned (to {{ 'labels.inputs.Premature Close Date' | translate }})</span
                   >
-                  <span class="pcd__preview-value">+ {{ interestEarned | formatNumber }}</span>
+                  <span class="pcd__preview-value"
+                    >{{ interestEarned >= 0 ? '+' : '' }} {{ interestEarned | formatNumber }}</span
+                  >
                 </div>
               }
               <div class="pcd__preview-row pcd__preview-row--total">
@@ -94,6 +152,26 @@
             </div>
           }
 
+          @if (data.preClosurePenalApplicable) {
+            @if (isAutoWaivedReason) {
+              <div class="pcd__waive-locked">
+                <fa-icon icon="check-circle" class="m-r-10"></fa-icon>
+                <span>
+                  Penalty automatically waived -- <strong>{{ selectedReasonLabel }}</strong> always waives the
+                  pre-closure penalty, regardless of this checkbox.
+                </span>
+              </div>
+            } @else {
+              <mat-checkbox formControlName="waivePreClosurePenalty" class="pcd__waive-checkbox">
+                Waive the pre-closure penalty for this closure
+                <span class="pcd__waive-hint">
+                  Interest recalculates at the full contracted rate instead of the penalty rate above. This does not
+                  change the product's own penalty setting -- it applies to this one closure only.
+                </span>
+              </mat-checkbox>
+            }
+          }
+
           <div class="pcd__section-label" id="pcd-action-label">{{ 'labels.inputs.Action' | translate }}</div>
           <div class="pcd__options" role="radiogroup" aria-labelledby="pcd-action-label">
             @for (closureOption of onAccountClosureOptions; track closureOption) {
@@ -129,8 +207,8 @@
           @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.
+              This customer has no active savings account to transfer into. Premature closure has to be paid into a
+              savings account, so open one for this customer before closing this deposit.
             </p>
           }
 
@@ -153,6 +231,16 @@
             </mat-form-field>
           }
 
+          @if (prematureCloseForm.contains('toGlAccountId')) {
+            <mifosx-gl-account-selector
+              [inputFormControl]="toGlAccountControl"
+              [glAccountList]="glAccountsData"
+              [required]="true"
+              [inputLabel]="'Transfer to GL Account'"
+            >
+            </mifosx-gl-account-selector>
+          }
+
           @if (prematureCloseForm.contains('transferDescription')) {
             <mat-form-field appearance="outline">
               <mat-label>{{ 'labels.inputs.Transfer Description' | translate }}</mat-label>

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

@@ -204,6 +204,86 @@
     font-weight: 700;
     color: #0f172a;
   }
+
+  &-sub {
+    font-family: 'DM Sans', sans-serif;
+    font-size: 11px;
+    font-weight: 500;
+    color: #94a3b8;
+    margin-left: 4px;
+  }
+}
+
+.pcd__preview--tenure {
+  margin-bottom: 14px;
+}
+
+.pcd__preview-row--waived {
+  .pcd__preview-label {
+    color: #16a34a;
+  }
+}
+
+.pcd__penalty-waived-tag {
+  font-family: 'DM Sans', sans-serif;
+  font-size: 11px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  color: #15803d;
+  background: #dcfce7;
+  border: 1px solid #86efac;
+  border-radius: 999px;
+  padding: 3px 10px;
+}
+
+.pcd__waive-checkbox {
+  display: flex;
+  align-items: flex-start;
+  background: #fff;
+  border: 1px solid #e2e8f0;
+  border-radius: 12px;
+  padding: 14px 16px;
+  margin: 0 0 18px;
+  font-size: 13px;
+  font-weight: 600;
+  color: #0f172a;
+
+  ::ng-deep .mdc-form-field {
+    align-items: flex-start;
+  }
+
+  ::ng-deep .mdc-checkbox {
+    margin-top: -9px;
+  }
+}
+
+.pcd__waive-locked {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  background: #f0fdf4;
+  border: 1px solid #bbf7d0;
+  border-left: 4px solid #16a34a;
+  border-radius: 10px;
+  color: #15803d;
+  font-size: 13px;
+  line-height: 1.5;
+  padding: 12px 16px;
+  margin: 0 0 18px;
+
+  strong {
+    color: #166534;
+  }
+}
+
+.pcd__waive-hint {
+  display: block;
+  font-size: 12px;
+  font-weight: 500;
+  color: #64748b;
+  margin-top: 3px;
+  line-height: 1.4;
 }
 
 .pcd__section-label {

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

@@ -23,13 +23,19 @@ import { UntypedFormBuilder, UntypedFormGroup, UntypedFormControl, Validators }
 /** Custom Services */
 import { FixedDepositsService } from '../../../fixed-deposits.service';
 import { SettingsService } from 'app/settings/settings.service';
+import { AccountingService } from 'app/accounting/accounting.service';
+import { AlertService } from 'app/core/alert/alert.service';
 import { Dates } from 'app/core/utils/dates';
 import { FormatNumberPipe } from '../../../../../pipes/format-number.pipe';
+import { GlAccountSelectorComponent } from 'app/shared/accounting/gl-account-selector/gl-account-selector.component';
+import { GLAccount } from 'app/shared/models/general.model';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 /**
  * "Premature Close" dialog -- Active-only, no reinvest option (the deposit hasn't matured, so there's
- * nothing to renew): pay out in cash, or transfer the pre-maturity balance to a savings account. Same
+ * nothing to renew): transfer the pre-maturity balance to a savings account, or post it to a GL account.
+ * There is deliberately no cash payout -- the backend does not offer or accept one for a premature
+ * closure, so the proceeds always stay traceable to an account. Same
  * `.pcd__*` visual language as the Payment dialog ({@link PaymentDialogComponent}), in this Danger Zone
  * action's own red accent rather than Payment's blue, since it's an irreversible, usually
  * penalty-bearing action rather than a routine one.
@@ -49,24 +55,51 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatDialogClose,
     CdkTextareaAutosize,
     FaIconComponent,
-    FormatNumberPipe
+    FormatNumberPipe,
+    GlAccountSelectorComponent
   ]
 })
 export class PrematureCloseDialogComponent implements OnInit {
   /** The `onAccountClosureId` codes Premature Close can offer -- same codes Payment/Close use. */
   private static readonly WITHDRAW_DEPOSIT_ID = 100;
   private static readonly TRANSFER_TO_SAVINGS_ID = 200;
+  private static readonly TRANSFER_TO_GL_ID = 600;
 
   private static readonly ACTION_ICONS: Record<number, string> = {
     [PrematureCloseDialogComponent.WITHDRAW_DEPOSIT_ID]: 'money-bill-wave',
-    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'wallet'
+    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'wallet',
+    [PrematureCloseDialogComponent.TRANSFER_TO_GL_ID]: 'book'
   };
 
   private static readonly ACTION_DESCRIPTIONS: Record<number, string> = {
     [PrematureCloseDialogComponent.WITHDRAW_DEPOSIT_ID]: 'Pay out the full balance in cash',
-    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'Move the full balance to another savings account'
+    [PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID]: 'Move the full balance to another savings account',
+    [PrematureCloseDialogComponent.TRANSFER_TO_GL_ID]: 'Post the full balance to a GL account'
   };
 
+  /**
+   * Mirrors the backend's PrematureClosureReasonType values exactly -- see that enum for why these
+   * four (everything but Normal) always waive the penalty by RBI policy rather than at the maker's
+   * discretion. `gatedBy` is the product-facility flag (from `data`) that must be true for the option
+   * to even be offered; `null` means always offered. Deceased Settlement / Nominee-Legal Heir Closure
+   * are gated because they are the product's own opt-in facilities (see SavingsProduct
+   * deceasedSettlement/noPenaltyNomineeHeirClosure) -- a product that never enabled one shouldn't let
+   * a maker pick it to bypass a penalty that product's terms don't actually exempt.
+   */
+  private static readonly NORMAL_REASON_ID = 100;
+  private static readonly ALL_CLOSURE_REASONS: {
+    id: number;
+    label: string;
+    autoWaived: boolean;
+    gatedBy: 'deceasedSettlement' | 'noPenaltyNomineeHeirClosure' | null;
+  }[] = [
+    { id: 100, label: 'Normal Premature Closure', autoWaived: false, gatedBy: null },
+    { id: 200, label: 'Premature Extension / Renewal', autoWaived: true, gatedBy: null },
+    { id: 300, label: 'Conversion to Another Term Deposit', autoWaived: true, gatedBy: null },
+    { id: 400, label: 'Deceased Settlement', autoWaived: true, gatedBy: 'deceasedSettlement' },
+    { id: 500, label: 'Nominee / Legal Heir Closure', autoWaived: true, gatedBy: 'noPenaltyNomineeHeirClosure' }
+  ];
+
   dialogRef = inject<MatDialogRef<PrematureCloseDialogComponent>>(MatDialogRef);
   data: {
     accountId: number | string;
@@ -76,16 +109,29 @@ export class PrematureCloseDialogComponent implements OnInit {
     preClosurePenalApplicable?: boolean;
     preClosurePenalInterest?: number;
     preClosurePenalInterestOnType?: { value: string };
+    deceasedSettlement?: boolean;
+    noPenaltyNomineeHeirClosure?: boolean;
+    activatedOnDate?: any;
+    maturityDate?: any;
+    currentBalance?: number;
   } = inject(MAT_DIALOG_DATA);
   private formBuilder = inject(UntypedFormBuilder);
   private fixedDepositsService = inject(FixedDepositsService);
   private settingsService = inject(SettingsService);
+  private accountingService = inject(AccountingService);
+  private alertService = inject(AlertService);
   private dateUtils = inject(Dates);
 
   prematureCloseForm: UntypedFormGroup;
   onAccountClosureOptions: any[] = [];
   savingsAccountsData: any[] = [];
+  /** Postable GL accounts, loaded once -- only read when the GL action is chosen. */
+  glAccountsData: GLAccount[] = [];
   maturityAmount: number = null;
+  /** The rate actually resolved for THIS preview by the backend (actual-period vs contracted,
+   *  penalty-deducted or not) -- distinct from data.nominalAnnualInterestRate, which is always the
+   *  account's unmodified contracted rate. Read fresh on every recalculation. */
+  effectiveInterestRate: number = null;
   loadingAmount = true;
   loadFailed = false;
   submitting = false;
@@ -99,17 +145,66 @@ export class PrematureCloseDialogComponent implements OnInit {
       closedOnDate: [
         this.maxDate,
         Validators.required
-      ]
+      ],
+      // Both always present (not added conditionally like onAccountClosureId below) so submit()
+      // always carries a value, even for a product with no penalty configured at all -- the backend
+      // ignores them there anyway, since there is nothing to waive.
+      prematureClosureReasonId: [PrematureCloseDialogComponent.NORMAL_REASON_ID],
+      waivePreClosurePenalty: [false]
     });
 
     this.prematureCloseForm
       .get('closedOnDate')
       .valueChanges.subscribe((date: Date) => this.calculatePrematureAmount(date));
+    // Waiving/un-waiving recalculates the preview the same way changing the date does -- the maker
+    // should see the actual amount they're about to confirm, not the penalty-applied one, the moment
+    // they tick the box.
+    this.prematureCloseForm
+      .get('waivePreClosurePenalty')
+      .valueChanges.subscribe(() => this.calculatePrematureAmount(this.prematureCloseForm.get('closedOnDate').value));
+    // Picking an RBI-mandated waiver reason forces the checkbox on (see onClosureReasonChange) and,
+    // like it, recalculates the preview so the amount shown always matches the reason selected.
+    this.prematureCloseForm
+      .get('prematureClosureReasonId')
+      .valueChanges.subscribe((id: number) => this.onClosureReasonChange(id));
     // Same date the form already starts with -- without this the amount/options never load unless the
     // maker happens to touch the date picker, which the full-page form this replaces required too.
     this.calculatePrematureAmount(this.maxDate);
   }
 
+  /** The reason list this account's product actually allows -- see ALL_CLOSURE_REASONS' `gatedBy`. */
+  get closureReasonOptions(): { id: number; label: string; autoWaived: boolean }[] {
+    return PrematureCloseDialogComponent.ALL_CLOSURE_REASONS.filter(
+      (reason) => !reason.gatedBy || this.data[reason.gatedBy]
+    );
+  }
+
+  /** True when the selected reason waives the penalty by policy, not maker choice -- the checkbox is
+   *  hidden in favour of a plain statement of that fact when this is true (see the template). */
+  get isAutoWaivedReason(): boolean {
+    return !!this.selectedReason?.autoWaived;
+  }
+
+  get selectedReasonLabel(): string {
+    return this.selectedReason?.label ?? '';
+  }
+
+  private get selectedReason(): { id: number; label: string; autoWaived: boolean } | undefined {
+    const id = this.prematureCloseForm?.get('prematureClosureReasonId')?.value;
+    return PrematureCloseDialogComponent.ALL_CLOSURE_REASONS.find((reason) => reason.id === id);
+  }
+
+  private onClosureReasonChange(reasonId: number): void {
+    const reason = PrematureCloseDialogComponent.ALL_CLOSURE_REASONS.find((r) => r.id === reasonId);
+    if (reason?.autoWaived) {
+      // emitEvent: false -- the explicit calculatePrematureAmount call below already covers this
+      // change; without it, this setValue would also fire waivePreClosurePenalty's own subscription
+      // and the amount would be calculated twice for one reason change.
+      this.prematureCloseForm.get('waivePreClosurePenalty').setValue(true, { emitEvent: false });
+    }
+    this.calculatePrematureAmount(this.prematureCloseForm.get('closedOnDate').value);
+  }
+
   private calculatePrematureAmount(date: Date): void {
     this.loadingAmount = true;
     this.loadFailed = false;
@@ -118,7 +213,9 @@ export class PrematureCloseDialogComponent implements OnInit {
     const data = {
       closedOnDate: this.dateUtils.formatDate(date, dateFormat),
       dateFormat,
-      locale
+      locale,
+      prematureClosureReasonId: this.prematureCloseForm.get('prematureClosureReasonId')?.value,
+      waivePreClosurePenalty: !!this.prematureCloseForm.get('waivePreClosurePenalty')?.value
     };
     this.fixedDepositsService
       .executeFixedDepositsAccountCommand(this.data.accountId as string, 'calculatePrematureAmount', data)
@@ -127,6 +224,7 @@ export class PrematureCloseDialogComponent implements OnInit {
           this.savingsAccountsData = response.savingsAccounts ?? [];
           this.onAccountClosureOptions = response.onAccountClosureOptions ?? [];
           this.maturityAmount = response.maturityAmount;
+          this.effectiveInterestRate = response.nominalAnnualInterestRate ?? null;
           this.loadingAmount = false;
           if (!this.prematureCloseForm.contains('onAccountClosureId')) {
             this.prematureCloseForm.addControl('onAccountClosureId', new UntypedFormControl('', Validators.required));
@@ -144,19 +242,50 @@ export class PrematureCloseDialogComponent implements OnInit {
       });
   }
 
-  /** Adds/removes the destination-account control to match what the chosen type needs. */
+  /** Adds/removes the destination 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 {
+    const toSavings = id === PrematureCloseDialogComponent.TRANSFER_TO_SAVINGS_ID;
+    const toGl = id === PrematureCloseDialogComponent.TRANSFER_TO_GL_ID;
+
+    if (toSavings && !this.prematureCloseForm.contains('toSavingsAccountId')) {
+      this.prematureCloseForm.addControl('toSavingsAccountId', new UntypedFormControl('', Validators.required));
+    } else if (!toSavings) {
       this.prematureCloseForm.removeControl('toSavingsAccountId');
+    }
+
+    if (toGl) {
+      if (!this.prematureCloseForm.contains('toGlAccountId')) {
+        this.prematureCloseForm.addControl('toGlAccountId', new UntypedFormControl('', Validators.required));
+      }
+      this.loadGlAccounts();
+    } else {
+      this.prematureCloseForm.removeControl('toGlAccountId');
+    }
+
+    // Both destinations carry the description through -- to the account transfer, or to the narration on
+    // the journal entry that credits the GL account.
+    if ((toSavings || toGl) && !this.prematureCloseForm.contains('transferDescription')) {
+      this.prematureCloseForm.addControl('transferDescription', new UntypedFormControl(''));
+    } else if (!toSavings && !toGl) {
       this.prematureCloseForm.removeControl('transferDescription');
     }
   }
 
+  /** Fetched on first use rather than with the dialog, since most closures never pick the GL action. */
+  private loadGlAccounts(): void {
+    if (this.glAccountsData.length) {
+      return;
+    }
+    this.accountingService.getGlAccounts().subscribe((accounts: GLAccount[]) => {
+      this.glAccountsData = accounts ?? [];
+    });
+  }
+
+  /** The GL selector takes a control instance, not a control name. */
+  get toGlAccountControl(): UntypedFormControl {
+    return this.prematureCloseForm.get('toGlAccountId') as UntypedFormControl;
+  }
+
   /** The gap between the deposit and the computed maturity amount -- the actual interest this premature
    *  closure earns, at whatever rate (contracted, or the lower pre-closure-penalty one below) applied. */
   get interestEarned(): number | null {
@@ -166,6 +295,94 @@ export class PrematureCloseDialogComponent implements OnInit {
     return Number(this.maturityAmount) - Number(this.data.depositAmount);
   }
 
+  get activatedOnDateDisplay(): string {
+    return this.formatFullDate(this.data.activatedOnDate);
+  }
+
+  get maturityDateDisplay(): string {
+    return this.formatFullDate(this.data.maturityDate);
+  }
+
+  /**
+   * The date every "as of" figure in this dialog is measured against -- the maker's own chosen Premature
+   * Close Date, falling back to Fineract's configured Business Date. Deliberately NOT the real-world
+   * clock (`new Date()`): Fineract's business date can lag behind the calendar (a bank's own admin
+   * advances it), and the backend's interest calculation is measured from THIS date, not today's actual
+   * date. Using the real clock here previously showed a "days elapsed" figure that disagreed with the
+   * interest the backend actually computed for the same closure -- both must read off the same clock.
+   */
+  private get referenceDate(): Date {
+    const picked = this.prematureCloseForm?.get('closedOnDate')?.value;
+    return picked instanceof Date ? picked : this.maxDate;
+  }
+
+  /** Days from the current term's start to the chosen closure date -- 0 if the date is missing or the
+   *  closure date is somehow before it, rather than a negative. */
+  get daysElapsed(): number | null {
+    const start = this.data.activatedOnDate ? this.dateUtils.parseDate(this.data.activatedOnDate) : null;
+    if (!start) {
+      return null;
+    }
+    return Math.max(0, this.dateUtils.calculateDiff(start, this.referenceDate));
+  }
+
+  /** Days from the chosen closure date to the scheduled maturity date -- 0 once matured/overdue rather
+   *  than negative, since this dialog is for a still-Active account closing early, not a matured one. */
+  get daysRemainingToMaturity(): number | null {
+    const maturity = this.data.maturityDate ? this.dateUtils.parseDate(this.data.maturityDate) : null;
+    if (!maturity) {
+      return null;
+    }
+    return Math.max(0, this.dateUtils.calculateDiff(this.referenceDate, maturity));
+  }
+
+  /** Elapsed tenure as Years/Months/Days, the way a real passbook states it, rather than a raw day
+   *  count that is hard to read for a multi-year FD. */
+  get tenureElapsedDisplay(): string {
+    const start = this.data.activatedOnDate ? this.dateUtils.parseDate(this.data.activatedOnDate) : null;
+    if (!start) {
+      return '—';
+    }
+    const { years, months, days } = PrematureCloseDialogComponent.yearsMonthsDaysBetween(start, this.referenceDate);
+    const parts: string[] = [];
+    if (years > 0) {
+      parts.push(`${years} yr${years === 1 ? '' : 's'}`);
+    }
+    if (months > 0) {
+      parts.push(`${months} mo${months === 1 ? '' : 's'}`);
+    }
+    if (days > 0 || parts.length === 0) {
+      parts.push(`${days} day${days === 1 ? '' : 's'}`);
+    }
+    return parts.join(', ');
+  }
+
+  private formatFullDate(value: any): string {
+    if (!value) {
+      return '—';
+    }
+    const parsed = this.dateUtils.parseDate(value);
+    // "28 September 2026" -- day/month-name/year, so this reads unambiguously regardless of the
+    // account's own configured short date format elsewhere in the app.
+    return this.dateUtils.formatDate(parsed, 'd MMMM y');
+  }
+
+  private static yearsMonthsDaysBetween(start: Date, end: Date): { years: number; months: number; days: number } {
+    let years = end.getFullYear() - start.getFullYear();
+    let months = end.getMonth() - start.getMonth();
+    let days = end.getDate() - start.getDate();
+    if (days < 0) {
+      months -= 1;
+      const daysInPreviousMonth = new Date(end.getFullYear(), end.getMonth(), 0).getDate();
+      days += daysInPreviousMonth;
+    }
+    if (months < 0) {
+      years -= 1;
+      months += 12;
+    }
+    return { years: Math.max(0, years), months: Math.max(0, months), days: Math.max(0, days) };
+  }
+
   /** True when the chosen action needs a destination account but the customer has none to pick. */
   get noDestinationAccounts(): boolean {
     return (
@@ -201,7 +418,18 @@ export class PrematureCloseDialogComponent implements OnInit {
     this.fixedDepositsService
       .executeFixedDepositsAccountCommand(this.data.accountId as string, 'prematureClose', data)
       .subscribe({
-        next: () => {
+        next: (response: any) => {
+          // A command on a maker-checker permission is parked in the Checker Inbox, not executed:
+          // the platform rolls its transaction back and still answers HTTP 200 with
+          // rollbackTransaction: true. Without saying so, the dialog closes and the account reloads
+          // unchanged -- which reads as "nothing happened" rather than "waiting for approval".
+          if (response?.rollbackTransaction) {
+            this.alertService.alert({
+              type: 'Success',
+              message:
+                'Premature closure has been submitted for approval. The deposit is unchanged until a checker approves it.'
+            });
+          }
           this.dialogRef.close({ confirm: true });
         },
         // Keep the dialog open with the entered values and say what went wrong, rather than leaving a

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

@@ -30,6 +30,7 @@ import { AccountsService } from 'app/accounts/accounts.service';
 import { Currency } from 'app/shared/models/general.model';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 import { AuthenticationService } from '../../../core/authentication/authentication.service';
 import { MatTooltip } from '@angular/material/tooltip';
 import { NgClass, CurrencyPipe } from '@angular/common';
@@ -74,6 +75,7 @@ import { DormancyAlertPanelComponent } from 'app/shared/dormancy-alert-panel/dor
 export class FixedDepositAccountViewComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
+  private alertService = inject(AlertService);
   private fixedDepositsService = inject(FixedDepositsService);
   private savingsService = inject(SavingsService);
   private accountsService = inject(AccountsService);
@@ -298,6 +300,18 @@ export class FixedDepositAccountViewComponent implements OnInit {
     });
   }
 
+  /**
+   * The start date of the term currently running -- the last entry in renewalHistory, which is ordered
+   * oldest-first (see RenewalHistoryTabComponent). Falls back to the account's own activation date for
+   * an FD that has never been renewed (or whose renewalHistory hasn't loaded), which is the same date
+   * in that case anyway.
+   */
+  private get currentTermStartDate(): any {
+    const history = this.fixedDepositsAccountData?.renewalHistory;
+    const latestTerm = Array.isArray(history) && history.length > 0 ? history[history.length - 1] : null;
+    return latestTerm?.activatedondate ?? this.fixedDepositsAccountData?.timeline?.activatedOnDate;
+  }
+
   /**
    * Opens the Premature Close action -- Active-only, no reinvest option, since the deposit hasn't
    * matured yet.
@@ -316,7 +330,21 @@ export class FixedDepositAccountViewComponent implements OnInit {
         nominalAnnualInterestRate: this.fixedDepositsAccountData.nominalAnnualInterestRate,
         preClosurePenalApplicable: this.fixedDepositsAccountData.preClosurePenalApplicable,
         preClosurePenalInterest: this.fixedDepositsAccountData.preClosurePenalInterest,
-        preClosurePenalInterestOnType: this.fixedDepositsAccountData.preClosurePenalInterestOnType
+        preClosurePenalInterestOnType: this.fixedDepositsAccountData.preClosurePenalInterestOnType,
+        // Gate which RBI-mandated waiver reasons the dialog offers -- these two are the product's own
+        // facility toggles (Deceased Settlement / No Penalty Nominee-Heir Closure), off by default, so
+        // a product that never enabled them shouldn't offer a reason implying it did.
+        deceasedSettlement: this.fixedDepositsAccountData.deceasedSettlement,
+        noPenaltyNomineeHeirClosure: this.fixedDepositsAccountData.noPenaltyNomineeHeirClosure,
+        // Tenure context (current term's start date, maturity date, current balance) so the dialog can
+        // show how far into THIS term the account is and how much is actually sitting in it today, not
+        // just the penalty-adjusted amount calculatePrematureAmount returns. Deliberately the current
+        // term's own start (see currentTermStartDate), not the account's original activation -- a
+        // renewed FD's interest/tenure runs from the renewal, and showing the original activation date
+        // here would make an account renewed days ago look like it has been running for months.
+        activatedOnDate: this.currentTermStartDate,
+        maturityDate: this.fixedDepositsAccountData.maturityDate,
+        currentBalance: this.fixedDepositsAccountData.summary?.accountBalance
       }
     });
     prematureCloseDialogRef.afterClosed().subscribe((response: any) => {
@@ -393,7 +421,16 @@ export class FixedDepositAccountViewComponent implements OnInit {
       if (response.confirm) {
         this.fixedDepositsService
           .executeFixedDepositsAccountCommand(this.fixedDepositsAccountData.id, 'postInterest', {})
-          .subscribe(() => {
+          .subscribe((commandResponse: any) => {
+            // Parked in the Checker Inbox rather than executed (HTTP 200 with
+            // rollbackTransaction: true), so the reload below shows no new interest posting.
+            if (commandResponse?.rollbackTransaction) {
+              this.alertService.alert({
+                type: 'Success',
+                message:
+                  'Interest posting has been sent for checker approval. No interest is posted until a checker approves it.'
+              });
+            }
             this.reload();
           });
       }

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

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

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

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

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

@@ -11,6 +11,7 @@ import { Component, OnInit, inject } from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /** Custom Services */
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
@@ -37,6 +38,7 @@ export class ApproveFixedDepositsAccountComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private settingsService = inject(SettingsService);
+  private alertService = inject(AlertService);
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -98,17 +100,31 @@ export class ApproveFixedDepositsAccountComponent implements OnInit {
       dateFormat,
       locale
     };
-    this.fixedDepositsService.executeFixedDepositsAccountCommand(this.accountId, 'approve', data).subscribe(() => {
-      const activationData = {
-        activatedOnDate: approveFixedDepositsAccountFormData.approvedOnDate,
-        dateFormat,
-        locale
-      };
-      this.fixedDepositsService
-        .executeFixedDepositsAccountCommand(this.accountId, 'activate', activationData)
-        .subscribe(() => {
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.accountId, 'approve', data)
+      .subscribe((response: any) => {
+        // Parked in the Checker Inbox rather than executed (HTTP 200 with rollbackTransaction: true).
+        // The account is therefore still pending, so chaining activation onto it would be applied to an
+        // unapproved account -- stop here and say what is actually waiting.
+        if (response?.rollbackTransaction) {
+          this.alertService.alert({
+            type: 'Success',
+            message:
+              'This approval has been sent for checker approval. The account stays pending until a checker approves it.'
+          });
           this.router.navigate(['../../'], { relativeTo: this.route });
-        });
-    });
+          return;
+        }
+        const activationData = {
+          activatedOnDate: approveFixedDepositsAccountFormData.approvedOnDate,
+          dateFormat,
+          locale
+        };
+        this.fixedDepositsService
+          .executeFixedDepositsAccountCommand(this.accountId, 'activate', activationData)
+          .subscribe(() => {
+            this.router.navigate(['../../'], { relativeTo: this.route });
+          });
+      });
   }
 }

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

@@ -21,6 +21,7 @@ import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { FixedDepositsService } from '../../fixed-deposits.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
@@ -43,6 +44,7 @@ export class CloseFixedDepositsAccountComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private settingsService = inject(SettingsService);
+  private alertService = inject(AlertService);
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -139,8 +141,18 @@ export class CloseFixedDepositsAccountComponent implements OnInit {
       dateFormat,
       locale
     };
-    this.fixedDepositsService.executeFixedDepositsAccountCommand(this.accountId, 'close', data).subscribe(() => {
-      this.router.navigate(['../../'], { relativeTo: this.route });
-    });
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.accountId, 'close', data)
+      .subscribe((response: any) => {
+        // Parked in the Checker Inbox rather than executed (HTTP 200 with rollbackTransaction: true),
+        // so the deposit reloads unchanged -- say so instead of letting that read as "nothing happened".
+        if (response?.rollbackTransaction) {
+          this.alertService.alert({
+            type: 'Success',
+            message: 'Closure has been sent for checker approval. The deposit is unchanged until a checker approves it.'
+          });
+        }
+        this.router.navigate(['../../'], { relativeTo: this.route });
+      });
   }
 }

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

@@ -11,6 +11,7 @@ import { Component, OnInit, inject } from '@angular/core';
 import { UntypedFormGroup, UntypedFormBuilder, Validators, ReactiveFormsModule } from '@angular/forms';
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 import { Dates } from 'app/core/utils/dates';
+import { AlertService } from 'app/core/alert/alert.service';
 
 /** Custom Services */
 import { FixedDepositsService } from 'app/deposits/fixed-deposits/fixed-deposits.service';
@@ -37,6 +38,7 @@ export class RejectFixedDepositsAccountComponent implements OnInit {
   private route = inject(ActivatedRoute);
   private router = inject(Router);
   private settingsService = inject(SettingsService);
+  private alertService = inject(AlertService);
 
   /** Minimum date allowed. */
   minDate = new Date(2000, 0, 1);
@@ -97,8 +99,19 @@ export class RejectFixedDepositsAccountComponent implements OnInit {
       dateFormat,
       locale
     };
-    this.fixedDepositsService.executeFixedDepositsAccountCommand(this.accountId, 'reject', data).subscribe(() => {
-      this.router.navigate(['../../'], { relativeTo: this.route });
-    });
+    this.fixedDepositsService
+      .executeFixedDepositsAccountCommand(this.accountId, 'reject', data)
+      .subscribe((response: any) => {
+        // Parked in the Checker Inbox rather than executed (HTTP 200 with rollbackTransaction: true),
+        // so the application is still open -- say so instead of letting that read as "nothing happened".
+        if (response?.rollbackTransaction) {
+          this.alertService.alert({
+            type: 'Success',
+            message:
+              'Rejection has been sent for checker approval. The application is unchanged until a checker approves it.'
+          });
+        }
+        this.router.navigate(['../../'], { relativeTo: this.route });
+      });
   }
 }

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

@@ -12,6 +12,7 @@ import { UntypedFormGroup, UntypedFormBuilder, ReactiveFormsModule } from '@angu
 import { ActivatedRoute, Router, RouterLink } from '@angular/router';
 
 /** Custom Services */
+import { AlertService } from 'app/core/alert/alert.service';
 import { SavingsService } from 'app/savings/savings.service';
 import { FixedDepositsService } from '../../fixed-deposits.service';
 import { CdkTextareaAutosize } from '@angular/cdk/text-field';
@@ -35,6 +36,7 @@ export class UndoApprovalFixedDepositsAccountComponent implements OnInit {
   private fixedDepositsService = inject(FixedDepositsService);
   private route = inject(ActivatedRoute);
   private router = inject(Router);
+  private alertService = inject(AlertService);
 
   /** Undo Approval Fixed Deposits Account form. */
   undoApprovalFixedDepositsAccountForm: UntypedFormGroup;
@@ -87,12 +89,30 @@ export class UndoApprovalFixedDepositsAccountComponent implements OnInit {
     if (this.undoAction === 'Undo Activation') {
       this.fixedDepositsService
         .executeFixedDepositsAccountCommand(this.accountId, this.undoCommand, data)
-        .subscribe(() => {
+        .subscribe((response: any) => {
+          this.notifyIfSentForApproval(response);
           this.router.navigate(['../../'], { relativeTo: this.route });
         });
     } else {
-      this.savingsService.executeSavingsAccountCommand(this.accountId, this.undoCommand, data).subscribe(() => {
-        this.router.navigate(['../../'], { relativeTo: this.route });
+      this.savingsService
+        .executeSavingsAccountCommand(this.accountId, this.undoCommand, data)
+        .subscribe((response: any) => {
+          this.notifyIfSentForApproval(response);
+          this.router.navigate(['../../'], { relativeTo: this.route });
+        });
+    }
+  }
+
+  /**
+   * Both undo commands sit on maker-checker permissions, so either can come back parked in the
+   * Checker Inbox rather than executed -- HTTP 200 with rollbackTransaction: true, and the account
+   * reloaded unchanged. Without this the navigation away reads as "it worked".
+   */
+  private notifyIfSentForApproval(response: any): void {
+    if (response?.rollbackTransaction) {
+      this.alertService.alert({
+        type: 'Success',
+        message: `${this.undoAction} has been sent for checker approval. The account is unchanged until a checker approves it.`
       });
     }
   }

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

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

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

@@ -18,9 +18,16 @@
       <p class="dialog-sub">NDTL &middot; CRR/SLR Computation Base &middot; As per RBI Master Circular</p>
     </div>
     <div class="header-right">
+      <!-- The close being reported, and under it the close the ratios are charged on. Two dates,
+           because they are not the same day and the requirement belongs to the earlier one. -->
       <div class="as-of-box">
-        <strong>{{ reportingDateStr }}</strong>
-        <span>Reporting Fortnight (45-day lag)</span>
+        <strong>{{ reportingDateStr || '—' }}</strong>
+        <span>
+          Fortnight close
+          @if (baseDateStr) {
+            &middot; charged on {{ baseDateStr }}
+          }
+        </span>
       </div>
       <a
         class="rbi-circular-btn"
@@ -42,31 +49,44 @@
   <div class="summary-row">
     <div class="summary-card sc-demand">
       <div class="sc-label">Total Demand Liabilities</div>
-      <div class="sc-value">&#8377;12,843<span class="cr">Cr</span></div>
-      <div class="sc-change up">&#8593; 3.2% vs prev fortnight</div>
+      <div class="sc-value">{{ crore(totalDemand) }}<span class="cr" *ngIf="totalDemand !== null">Cr</span></div>
+      <div class="sc-sub">Payable on demand</div>
     </div>
     <div class="summary-card sc-time">
       <div class="sc-label">Total Time Liabilities</div>
-      <div class="sc-value">&#8377;64,618<span class="cr">Cr</span></div>
-      <div class="sc-change up">&#8593; 1.8% vs prev fortnight</div>
+      <div class="sc-value">{{ crore(totalTime) }}<span class="cr" *ngIf="totalTime !== null">Cr</span></div>
+      <div class="sc-sub">Payable on maturity</div>
     </div>
     <div class="summary-card sc-asset">
       <div class="sc-label">Assets with Banking System</div>
-      <div class="sc-value">&#8377;8,240<span class="cr">Cr</span></div>
+      <div class="sc-value">
+        {{ crore(totalBankingAssets) }}<span class="cr" *ngIf="totalBankingAssets !== null">Cr</span>
+      </div>
       <div class="sc-change dn">&#8595; Deducted from NDTL</div>
     </div>
     <div class="summary-card sc-ndtl">
       <div class="sc-label">Net Demand &amp; Time Liabilities (NDTL)</div>
-      <div class="sc-value">&#8377;69,221<span class="cr">Cr</span></div>
+      <div class="sc-value">{{ crore(ndtl) }}<span class="cr" *ngIf="ndtl !== null">Cr</span></div>
       <div class="sc-sub">After deducting banking assets</div>
     </div>
     <div class="summary-card sc-crr">
-      <div class="sc-label">CRR Required ({{ crrRate }}%)</div>
-      <div class="sc-value">&#8377;{{ crrRequired | number: '1.0-0' }}<span class="cr">Cr</span></div>
-      <div class="sc-sub">SLR Req: &#8377;{{ slrRequired | number: '1.0-0' }} Cr ({{ slrRate }}%)</div>
+      <!-- The rate is named from the configuration, not fixed here: a card headed "CRR Required
+           (3%)" while Admin holds 4% states a rate the bank is not on. -->
+      <div class="sc-label">CRR Required{{ crrRate === null ? '' : ' (' + crrRate + '%)' }}</div>
+      <div class="sc-value">{{ crore(crrRequired) }}<span class="cr" *ngIf="crrRequired !== null">Cr</span></div>
+      <div class="sc-sub">
+        SLR Req: {{ crore(slrRequired) }}{{ slrRate === null ? '' : ' Cr (' + slrRate + '%)' }}
+      </div>
     </div>
   </div>
 
+  <!-- Why the figures are not there, in the return's own words. A dashboard that simply shows
+       dashes sends an administrator looking for a fault in the dashboard. -->
+  <div class="unavailable-note" *ngIf="unavailable">
+    <fa-icon icon="exclamation-triangle"></fa-icon>
+    {{ unavailable }}
+  </div>
+
   <!-- Tab Navigation -->
   <div class="tab-nav">
     <button class="tab-btn" [class.active]="activeTab === 'demand'" (click)="activeTab = 'demand'">
@@ -124,13 +144,21 @@
               </td>
             </tr>
           }
+          @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in
+                Admin &rarr; RBI Reserve Configuration.
+              </td>
+            </tr>
+          }
         </tbody>
         <tfoot>
           <tr>
-            <td colspan="3"><strong>Total Demand Liabilities (All 16 Items)</strong></td>
-            <td class="right foot-demand">12,114.75</td>
-            <td class="right foot-demand">12,843.50</td>
-            <td class="right up">+728.75</td>
+            <td colspan="3"><strong>Total Demand Liabilities ({{ demandLiabilities.length }} accounts)</strong></td>
+            <td class="right foot-demand">{{ totalOf(demandLiabilities, "openingValue") }}</td>
+            <td class="right foot-demand">{{ totalOf(demandLiabilities, "currentValue") }}</td>
+            <td class="right">{{ totalChange(demandLiabilities) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -179,13 +207,21 @@
               </td>
             </tr>
           }
+          @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in
+                Admin &rarr; RBI Reserve Configuration.
+              </td>
+            </tr>
+          }
         </tbody>
         <tfoot>
           <tr>
-            <td colspan="3"><strong>Total Time Liabilities (All 13 Items)</strong></td>
-            <td class="right foot-time">62,613.10</td>
-            <td class="right foot-time">64,618.00</td>
-            <td class="right up">+2,004.90</td>
+            <td colspan="3"><strong>Total Time Liabilities ({{ timeLiabilities.length }} accounts)</strong></td>
+            <td class="right foot-time">{{ totalOf(timeLiabilities, "openingValue") }}</td>
+            <td class="right foot-time">{{ totalOf(timeLiabilities, "currentValue") }}</td>
+            <td class="right">{{ totalChange(timeLiabilities) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -228,15 +264,23 @@
               </td>
             </tr>
           }
+          @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in
+                Admin &rarr; RBI Reserve Configuration.
+              </td>
+            </tr>
+          }
         </tbody>
         <tfoot>
           <tr>
             <td colspan="3">
               <strong>Total Assets with Banking System</strong> <span class="deduct-tag">( Deducted from NDTL )</span>
             </td>
-            <td class="right foot-asset">7,600.70</td>
-            <td class="right foot-asset">8,240.20</td>
-            <td class="right up">+639.50</td>
+            <td class="right foot-asset">{{ totalOf(bankingAssets, "openingValue") }}</td>
+            <td class="right foot-asset">{{ totalOf(bankingAssets, "currentValue") }}</td>
+            <td class="right">{{ totalChange(bankingAssets) }}</td>
             <td></td>
           </tr>
         </tfoot>
@@ -285,13 +329,21 @@
               </td>
             </tr>
           }
+          @empty {
+            <tr class="empty-row">
+              <td colspan="7">
+                No accounts are mapped to this head, so the return reports nothing under it. Map them in
+                Admin &rarr; RBI Reserve Configuration.
+              </td>
+            </tr>
+          }
         </tbody>
         <tfoot>
           <tr>
             <td colspan="4"><strong>Total Liquid Assets (SLR Eligible)</strong></td>
-            <td class="right foot-slr">12,511.70</td>
-            <td class="right foot-slr">13,238.80</td>
-            <td class="right up">+727.10</td>
+            <td class="right foot-slr">{{ totalOf(liquidAssets, "openingValue") }}</td>
+            <td class="right foot-slr">{{ totalOf(liquidAssets, "currentValue") }}</td>
+            <td class="right">{{ totalChange(liquidAssets) }}</td>
             <td></td>
           </tr>
         </tfoot>

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

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

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

@@ -6,13 +6,30 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { Component, inject } from '@angular/core';
+import { Component, OnInit, inject } from '@angular/core';
 import { CommonModule, DecimalPipe } from '@angular/common';
 import { MatDialogRef, MatDialogModule } from '@angular/material/dialog';
 import { MatButtonModule } from '@angular/material/button';
 import { MatTabsModule } from '@angular/material/tabs';
 import { MatTooltipModule } from '@angular/material/tooltip';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { RbiCircularsService } from '../../../rbi-circulars/rbi-circulars.service';
+
+/** One account under a head, at the base date and the reporting date. */
+interface CrrSlrRow {
+  sl: string;
+  name: string;
+  sub: string;
+  code: string;
+  opening: string;
+  current: string;
+  /** The figures themselves, kept so totals add from values rather than from formatted text. */
+  openingValue: number | null;
+  currentValue: number | null;
+  change: string;
+  changeDir: 'up' | 'dn' | 'flat';
+  status: string;
+}
 
 @Component({
   selector: 'mifosx-crr-slr-dialog',
@@ -29,477 +46,230 @@ import { FaIconComponent } from '@fortawesome/angular-fontawesome';
     FaIconComponent
   ]
 })
-export class CrrSlrDialogComponent {
+export class CrrSlrDialogComponent implements OnInit {
   private dialogRef = inject(MatDialogRef<CrrSlrDialogComponent>);
+  private rbi = inject(RbiCircularsService);
 
   activeTab: 'demand' | 'time' | 'assets' | 'slr' = 'demand';
 
-  /** Reporting fortnight date — 45 days before current date */
-  today = new Date();
-  reportingDate: Date;
-  reportingDateStr: string;
+  /** The date the figures were struck at, as the return itself reports it. */
+  reportingDateStr = '';
 
-  /** NDTL & Reserve computations */
-  readonly totalDemand = 12843.5;
-  readonly totalTime = 64618.0;
-  readonly totalBankingAssets = 8240.2;
-  readonly ndtl = 69221.3; // Demand + Time - Banking Assets
-  readonly crrRate = 3; // Current RBI CRR rate (%)
-  readonly slrRate = 18; // Current RBI SLR rate (%)
-  readonly crrRequired = 69221.3 * 0.03; // ₹2,076.64 Cr
-  readonly slrRequired = 69221.3 * 0.18; // ₹12,459.83 Cr
-  readonly totalLiquidAssets = 13238.8;
-  readonly slrActualPercent = +((13238.8 / 69221.3) * 100).toFixed(2); // 19.12%
-  readonly slrSurplus = +(13238.8 - 69221.3 * 0.18).toFixed(2); // 778.97
-  readonly totalReserve = +(69221.3 * 0.03 + 69221.3 * 0.18).toFixed(2); // 14,536.47
+  /**
+   * The close the ratios are charged on — the second preceding fortnight, not the one reported.
+   *
+   * Named on screen because the gap between the two is the whole of how the rules work: a bank
+   * cannot hold a reserve against liabilities it does not yet know, so the requirement is fixed on
+   * a position already struck and reported. A screen showing one date invites a reader to think the
+   * requirement was worked out on the day it is shown against.
+   */
+  baseDateStr = '';
 
-  constructor() {
-    // CRR/SLR uses data from 45 days ago
-    const lagDays = 45;
-    this.reportingDate = new Date(this.today);
-    this.reportingDate.setDate(this.reportingDate.getDate() - lagDays);
-    this.reportingDateStr = this.reportingDate.toLocaleDateString('en-IN', {
-      day: '2-digit',
-      month: 'short',
-      year: 'numeric'
+  loading = true;
+  /** Set when the return could not be computed — and why, in the return's own words. */
+  unavailable = '';
+
+  /**
+   * The NDTL computation, read from the return rather than stated here.
+   *
+   * These were fixed numbers until now — a demonstration screen that showed ₹69,221 Cr whatever the
+   * ledger held. The figures are the bank's own regulatory position, so a plausible-looking number
+   * is worse than no number: it reads as a reported figure and cannot be told apart from one.
+   *
+   * Null until the return answers, and left null where it cannot compute. The template shows a dash
+   * for a null, which says "not reported" where a zero would say "reported as nil".
+   */
+  totalDemand: number | null = null;
+  totalTime: number | null = null;
+  totalBankingAssets: number | null = null;
+  ndtl: number | null = null;
+  crrRate: number | null = null;
+  slrRate: number | null = null;
+  crrRequired: number | null = null;
+  slrRequired: number | null = null;
+  totalLiquidAssets: number | null = null;
+  slrActualPercent: number | null = null;
+  slrSurplus: number | null = null;
+  totalReserve: number | null = null;
+
+  /**
+   * A figure for display, or a dash where the return did not carry one.
+   *
+   * A dash and a zero say different things — "not reported" against "reported as nil" — and on a
+   * regulatory screen the difference decides whether anyone goes looking for the missing mapping.
+   */
+  crore(value: number | null): string {
+    if (value === null) {
+      return '—';
+    }
+    return `₹${value.toLocaleString('en-IN', { maximumFractionDigits: 0 })}`;
+  }
+
+  ngOnInit(): void {
+    // The return is reported in rupees; this screen reads in crore, as a dashboard tile does.
+    const toCrore = (v: number | null | undefined): number | null =>
+      v === null || v === undefined ? null : +(v / 1e7).toFixed(2);
+
+    // The statutory Form 1, not the working report. Form 1 is filed twice a month — at the 15th and
+    // at the month end — and this screen should show the close the bank last filed, not a position
+    // struck 45 days back by a lag rule that belongs to the other report. Those two disagree by
+    // weeks, and the 45-day one lands mid-fortnight on a date the bank never reported.
+    this.rbi.getForm1Statutory().subscribe({
+      next: (data: any) => {
+        this.loading = false;
+
+        // The later of the two closes the return reports — the one the bank most recently filed.
+        const columns: string[] = data?.columns ?? [];
+        const latest = columns.length - 1;
+        this.reportingDateStr = columns[latest] ?? '';
+        this.baseDateStr = data?.baseColumns?.[latest] ?? '';
+        this.crrRate = data?.crrPercentage ?? null;
+        this.slrRate = data?.slrPercentage ?? null;
+
+        if (!columns.length) {
+          this.unavailable =
+            data?.unmetRequirements?.[0] ??
+            'Form 1 could not be computed. Check the CRR/SLR configuration in Admin.';
+          return;
+        }
+        // The return computes but says something would make it wrong to file — a rate never set, a
+        // base date the ledger cannot answer. Shown rather than swallowed: the reason is the thing
+        // an administrator needs in order to fix it.
+        this.unavailable = data?.unmetRequirements?.[0] ?? '';
+
+        // Part A's own lines, read by the Roman numeral each carries. Read from the return rather
+        // than recomputed, so this screen and the filed form cannot come to disagree.
+        const lines: any[] = data?.partA?.lines ?? [];
+        const at = (startsWith: string): number | null => {
+          const line = lines.find((l: any) => String(l?.label ?? '').startsWith(startsWith));
+          return line?.values?.[latest] ?? null;
+        };
+
+        this.totalDemand = toCrore(at('(A) Demand liabilities'));
+        this.totalTime = toCrore(at('(B) Time liabilities'));
+        this.totalBankingAssets = toCrore(at('TOTAL OF III'));
+        // IV(b) is the base the ratios are actually charged on — the figure behind the requirement,
+        // not the bank's liabilities on the day being reported.
+        this.ndtl = toCrore(at('IV. b)'));
+        this.crrRequired = toCrore(data?.partB?.required?.[latest]);
+        this.slrRequired = toCrore(data?.partC?.required?.[latest]);
+        this.totalLiquidAssets = toCrore(data?.partC?.maintained?.[latest]);
+
+        if (this.slrRequired !== null && this.totalLiquidAssets !== null) {
+          this.slrSurplus = +(this.totalLiquidAssets - this.slrRequired).toFixed(2);
+        }
+        if (this.ndtl) {
+          this.slrActualPercent =
+            this.totalLiquidAssets === null ? null : +((this.totalLiquidAssets / this.ndtl) * 100).toFixed(2);
+        }
+        if (this.crrRequired !== null && this.slrRequired !== null) {
+          this.totalReserve = +(this.crrRequired + this.slrRequired).toFixed(2);
+        }
+
+        this.fillTabs(lines, latest);
+      },
+      error: () => {
+        this.loading = false;
+        this.unavailable = 'The CRR/SLR position could not be read. The return service did not respond.';
+      }
     });
   }
 
-  demandLiabilities = [
-    {
-      sl: '01',
-      name: 'Current Account Deposits',
-      sub: 'Corporate & individual CA balances',
-      code: '2001-CA',
-      opening: '3,842.50',
-      current: '4,120.75',
-      change: '+278.25',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Savings Bank Deposits (Withdrawable)',
-      sub: 'Demand portion — 10% of SB balance',
-      code: '2002-SB',
-      opening: '1,240.00',
-      current: '1,318.40',
-      change: '+78.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Demand Drafts Payable',
-      sub: 'Issued DDs outstanding for payment',
-      code: '2003-DD',
-      opening: '284.20',
-      current: '311.60',
-      change: '+27.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '04',
-      name: "Banker's Cheques / Pay Orders",
-      sub: 'Issued pay orders pending encashment',
-      code: '2004-PO',
-      opening: '198.75',
-      current: '176.30',
-      change: '-22.45',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '05',
-      name: 'Credit Balance in Cash Credit Accounts',
-      sub: 'CC accounts in credit position',
-      code: '2005-CC',
-      opening: '542.10',
-      current: '618.90',
-      change: '+76.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '06',
-      name: 'Overdue Fixed Deposits',
-      sub: 'FDs past maturity — treated as demand',
-      code: '2006-OFD',
-      opening: '89.40',
-      current: '112.85',
-      change: '+23.45',
-      changeDir: 'dn',
-      status: 'Overdue'
-    },
-    {
-      sl: '07',
-      name: 'Interest Payable on Demand Deposits',
-      sub: 'Accrued interest on CA/SB',
-      code: '2007-INT',
-      opening: '34.20',
-      current: '38.55',
-      change: '+4.35',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '08',
-      name: 'Margins held against Letters of Credit',
-      sub: 'Withdrawable LC margin deposits',
-      code: '2008-LCM',
-      opening: '412.60',
-      current: '388.20',
-      change: '-24.40',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '09',
-      name: 'Margins held against Bank Guarantees',
-      sub: 'Withdrawable BG margin deposits',
-      code: '2009-BGM',
-      opening: '318.40',
-      current: '342.10',
-      change: '+23.70',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '10',
-      name: 'Security Deposits (Withdrawable)',
-      sub: 'EMD / SD refundable on demand',
-      code: '2010-SD',
-      opening: '124.80',
-      current: '118.60',
-      change: '-6.20',
-      changeDir: 'dn',
-      status: 'Active'
-    },
-    {
-      sl: '11',
-      name: 'Unclaimed Deposits (Demand Portion)',
-      sub: 'Balances unclaimed >10 years',
-      code: '2011-UCD',
-      opening: '56.30',
-      current: '59.40',
-      change: '+3.10',
-      changeDir: 'dn',
-      status: 'Unclaimed'
-    },
-    {
-      sl: '12',
-      name: 'Inter-Bank Demand Deposits',
-      sub: 'Demand deposits from other banks',
-      code: '2012-IBD',
-      opening: '2,840.00',
-      current: '3,120.50',
-      change: '+280.50',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '13',
-      name: 'Clearing Adjustments / Balances',
-      sub: 'Net clearing settlement balances',
-      code: '2013-CLR',
-      opening: '186.40',
-      current: '210.80',
-      change: '+24.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '14',
-      name: 'Outstanding Payment Instruments',
-      sub: 'Cheques issued but not yet presented',
-      code: '2014-OPI',
-      opening: '142.60',
-      current: '158.90',
-      change: '+16.30',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '15',
-      name: 'Demand Liabilities towards Other Banks',
-      sub: 'Nostro / Vostro demand obligations',
-      code: '2015-DLB',
-      opening: '984.20',
-      current: '1,048.60',
-      change: '+64.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '16',
-      name: 'Deposits Repayable on Demand',
-      sub: 'Miscellaneous on-demand deposits',
-      code: '2016-DRD',
-      opening: '618.30',
-      current: '698.05',
-      change: '+79.75',
-      changeDir: 'up',
-      status: 'Active'
-    }
-  ];
 
-  timeLiabilities = [
-    {
-      sl: '01',
-      name: 'Fixed Deposits (FD)',
-      sub: '7 days to 10 years · 6.5–7.2%',
-      code: '3001-FD',
-      opening: '28,420.50',
-      current: '29,184.30',
-      change: '+763.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Recurring Deposits (RD)',
-      sub: 'Monthly instalment · 6.0–6.8%',
-      code: '3002-RD',
-      opening: '4,218.60',
-      current: '4,412.80',
-      change: '+194.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Time Liability Portion of Savings',
-      sub: '90% of SB balance treated as time',
-      code: '3003-SBT',
-      opening: '10,840.20',
-      current: '11,204.60',
-      change: '+364.40',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '04',
-      name: 'Reinvestment Deposits',
-      sub: 'Cumulative interest plans · 7.0%',
-      code: '3004-RID',
-      opening: '1,842.40',
-      current: '1,918.70',
-      change: '+76.30',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '05',
-      name: 'Staff Security Deposits (Fixed Period)',
-      sub: 'Employee security deposits — locked',
-      code: '3005-SSD',
-      opening: '84.60',
-      current: '86.40',
-      change: '+1.80',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '06',
-      name: 'Margin Money for Guarantees / LC',
-      sub: 'LC/BG margins — fixed lock-in period',
-      code: '3006-MGM',
-      opening: '620.80',
-      current: '644.20',
-      change: '+23.40',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '07',
-      name: 'Certificates of Deposit (CD)',
-      sub: 'Issued to corporates / FIs · 7.35%',
-      code: '3007-CD',
-      opening: '3,840.00',
-      current: '3,920.50',
-      change: '+80.50',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '08',
-      name: 'Interest Accrued on Time Deposits',
-      sub: 'Accrued but unpaid interest on FD/RD',
-      code: '3008-IAT',
-      opening: '842.60',
-      current: '918.40',
-      change: '+75.80',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '09',
-      name: 'Long-term Deposits',
-      sub: 'Tenor >5 years · 7.5%',
-      code: '3009-LTD',
-      opening: '5,620.40',
-      current: '5,818.60',
-      change: '+198.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '10',
-      name: 'Tax Saving Deposits',
-      sub: 'Sec 80C FDs — 5-year lock-in · 6.8%',
-      code: '3010-TSD',
-      opening: '1,240.80',
-      current: '1,318.40',
-      change: '+77.60',
-      changeDir: 'up',
-      status: 'Locked'
-    },
-    {
-      sl: '11',
-      name: 'Foreign Currency Deposits',
-      sub: 'FCNR(B), RFC — USD/EUR/GBP',
-      code: '3011-FCD',
-      opening: '2,184.60',
-      current: '2,348.20',
-      change: '+163.60',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '12',
-      name: 'Time Liabilities to Other Banks',
-      sub: 'Inter-bank term deposits — call money',
-      code: '3012-TLB',
-      opening: '1,840.20',
-      current: '1,924.40',
-      change: '+84.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '13',
-      name: 'Term Borrowings',
-      sub: 'Bonds, debentures, refinance · 8.1%',
-      code: '3013-TBR',
-      opening: '1,018.40',
-      current: '1,118.50',
-      change: '+100.10',
-      changeDir: 'up',
-      status: 'Active'
+  /**
+   * The four tabs, filled from the return's own lines.
+   *
+   * These were four fixed lists until now — 435 lines of invented accounts with invented balances,
+   * which a reader had no way to tell apart from the bank's real position. They are now built from
+   * the accounts the return actually read, so a tab is empty exactly when the bank has nothing
+   * mapped under that head, and says so.
+   */
+  demandLiabilities: CrrSlrRow[] = [];
+  timeLiabilities: CrrSlrRow[] = [];
+  bankingAssets: CrrSlrRow[] = [];
+  liquidAssets: CrrSlrRow[] = [];
+  /**
+   * Turns Part A's lines into the rows a tab shows.
+   *
+   * The form reports each head at both of the closes it carries, so the earlier column is the
+   * opening and the later one the current — the same pair these tables have always shown, now taken
+   * from the form rather than invented. Headings and totals are skipped: a heading carries no
+   * figure, and a total would be added a second time by the footer below.
+   */
+  private rowsFrom(lines: any[], latest: number, match: (label: string) => boolean): CrrSlrRow[] {
+    const rows: CrrSlrRow[] = [];
+    for (const line of lines ?? []) {
+      const label = String(line?.label ?? '');
+      if (line?.heading || line?.total || !line?.values || !match(label)) {
+        continue;
+      }
+      const opening = latest > 0 ? (line.values[latest - 1] ?? null) : null;
+      const current = line.values[latest] ?? null;
+      const change = opening === null || current === null ? null : current - opening;
+      rows.push({
+        sl: String(rows.length + 1).padStart(2, '0'),
+        // The form's own wording, with its numbering trimmed off the front — the table has a column
+        // of its own for that.
+        name: label.replace(/^\s*\(?[a-zA-Z0-9]+\)?[.)]?\s*/, '').trim() || label.trim(),
+        sub: line.configKey ? String(line.configKey).replace(/_/g, ' ') : 'Derived from the form',
+        code: line.configKey ?? '—',
+        opening: this.crore(opening),
+        current: this.crore(current),
+        openingValue: opening,
+        currentValue: current,
+        change: change === null ? '—' : `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`,
+        changeDir: change === null ? 'flat' : change >= 0 ? 'up' : 'dn',
+        // A head with no GL mapped reports nothing, and the form says so rather than reporting nil.
+        status: line.configured === false ? 'Not mapped' : 'Active'
+      });
     }
-  ];
+    return rows;
+  }
 
-  bankingAssets = [
-    {
-      sl: '01',
-      name: 'Balances with Other Banks',
-      sub: 'Nostro / Vostro balances — SBI, PNB, BOB',
-      code: '4001-BWB',
-      opening: '3,840.20',
-      current: '4,112.40',
-      change: '+272.20',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '02',
-      name: 'Money at Call with Banks',
-      sub: 'Overnight & short-notice call money',
-      code: '4002-MCB',
-      opening: '2,180.50',
-      current: '2,418.60',
-      change: '+238.10',
-      changeDir: 'up',
-      status: 'Active'
-    },
-    {
-      sl: '03',
-      name: 'Loans to Banks (Inter-Bank Lending)',
-      sub: 'Term loans & credit lines to SCBs',
-      code: '4003-LTB',
-      opening: '1,580.00',
-      current: '1,709.20',
-      change: '+129.20',
-      changeDir: 'up',
-      status: 'Active'
-    }
-  ];
+  /**
+   * A tab's column total, added from the rows on screen.
+   *
+   * Added from the rows rather than stated separately, so the foot of a table always agrees with
+   * what is above it. The footers used to be fixed text and agreed with nothing.
+   *
+   * Summed from each row's own figure, not from the text it displays: a total parsed back out of
+   * formatted strings would quietly lose the paise the display rounds away.
+   */
+  totalOf(rows: CrrSlrRow[], column: 'openingValue' | 'currentValue'): string {
+    const values = rows.map((r) => r[column]).filter((v): v is number => v !== null);
+    return values.length ? this.crore(values.reduce((a, b) => a + b, 0)) : '—';
+  }
 
-  liquidAssets = [
-    {
-      sl: '01',
-      name: 'Central Government Securities',
-      sub: 'G-Secs held in HTM, AFS & HFT portfolios',
-      code: '5001-CGS',
-      opening: '6,840.50',
-      current: '7,218.40',
-      change: '+377.90',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'G-Sec'
-    },
-    {
-      sl: '02',
-      name: 'State Development Loans (SDLs)',
-      sub: 'State govt bonds — various maturities',
-      code: '5002-SDL',
-      opening: '2,420.30',
-      current: '2,584.60',
-      change: '+164.30',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'SDL'
-    },
-    {
-      sl: '03',
-      name: 'Treasury Bills (91/182/364 day)',
-      sub: 'Short-term govt securities — discounted',
-      code: '5003-TB',
-      opening: '1,840.20',
-      current: '1,962.80',
-      change: '+122.60',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'T-Bill'
-    },
-    {
-      sl: '04',
-      name: 'Gold (valued at current market)',
-      sub: 'Gold reserves held per RBI valuation norms',
-      code: '5004-GLD',
-      opening: '680.40',
-      current: '724.60',
-      change: '+44.20',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'Gold'
-    },
-    {
-      sl: '05',
-      name: 'Special Deposit Scheme with RBI',
-      sub: 'Deposits placed under SDS — SLR eligible',
-      code: '5005-SDS',
-      opening: '420.00',
-      current: '420.00',
-      change: '0.00',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'RBI Dep'
-    },
-    {
-      sl: '06',
-      name: 'NABARD / SIDBI / NHB Bonds',
-      sub: 'PSE bonds approved as SLR-eligible',
-      code: '5006-PSE',
-      opening: '310.80',
-      current: '328.40',
-      change: '+17.60',
-      changeDir: 'up',
-      status: 'Active',
-      category: 'PSE Bond'
+  /** The movement across a tab, between the two closes the form reports. */
+  totalChange(rows: CrrSlrRow[]): string {
+    const opening = rows.map((r) => r.openingValue).filter((v): v is number => v !== null);
+    const current = rows.map((r) => r.currentValue).filter((v): v is number => v !== null);
+    if (!opening.length || !current.length) {
+      return '—';
     }
-  ];
+    const change = current.reduce((a, b) => a + b, 0) - opening.reduce((a, b) => a + b, 0);
+    return `${change >= 0 ? '+' : ''}${this.crore(change).replace('₹', '')}`;
+  }
+
+  /** Fills the four tabs from one reading of the form. */
+  private fillTabs(lines: any[], latest: number): void {
+    const has = (label: string, ...words: string[]): boolean => {
+      const l = label.toLowerCase();
+      return words.some((w) => l.includes(w));
+    };
+    // Matched on how the form labels each head, not on a fixed list of account names: a bank that
+    // maps a new account to a head gets it on the right tab without this screen being changed.
+    this.demandLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'demand liabilit'));
+    this.timeLiabilities = this.rowsFrom(lines, latest, (l) => has(l, 'time liabilit') && !has(l, 'demand and time'));
+    // III — what the banking system owes this bank, which nets off the liability base.
+    this.bankingAssets = this.rowsFrom(lines, latest, (l) =>
+      has(l, 'current account balances with sbi', 'balances in all accounts', 'money at call', 'advances and any other')
+    );
+    // V, VI and VII — the cash, balances and securities the two ratios are met in.
+    this.liquidAssets = this.rowsFrom(lines, latest, (l) =>
+      has(l, 'cash on hand', 'reserve bank of india', 'co-operative bank', 'government securities')
+    );
+  }
 
   close(): void {
     this.dialogRef.close();

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

@@ -28,17 +28,30 @@
             <fa-icon icon="external-link-alt"></fa-icon> View
           </button>
         </div>
+        <!-- Read from the return, not stated here. Both the rates and the amounts were fixed text
+             until now, so the card reported ₹2,077 Cr at 3% whatever the ledger held and whatever
+             rate Admin was on. -->
         <div class="card-metrics">
           <div class="metric-row">
-            <span class="metric-label">CRR Required (3%)</span>
-            <span class="metric-value">&#8377;2,077 Cr</span>
+            <span class="metric-label">CRR Required{{ crrSlr.crrRate === null ? '' : ' (' + crrSlr.crrRate + '%)' }}</span>
+            <span class="metric-value">{{ crrSlr.crrRequired }}</span>
           </div>
           <div class="metric-row">
-            <span class="metric-label">SLR Required (18%)</span>
-            <span class="metric-value">&#8377;12,460 Cr</span>
+            <span class="metric-label">SLR Required{{ crrSlr.slrRate === null ? '' : ' (' + crrSlr.slrRate + '%)' }}</span>
+            <span class="metric-value">{{ crrSlr.slrRequired }}</span>
           </div>
         </div>
-        <div class="mini-sub"><span class="tag-success">Within Limits</span></div>
+        <!-- "Within Limits" is a compliance statement, so it is made only where the return actually
+             says so. Where it cannot compute, the card says that instead of passing the bank. -->
+        <div class="mini-sub">
+          @if (crrSlr.status === 'ok') {
+            <span class="tag-success">Within Limits</span>
+          } @else if (crrSlr.status === 'short') {
+            <span class="tag-danger">Shortfall</span>
+          } @else {
+            <span class="tag-muted">Not computed</span>
+          }
+        </div>
       </div>
 
       <!-- CRAR -->

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

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

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

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

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

@@ -0,0 +1,322 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<div class="ipr">
+  <div class="ipr-head">
+    <div>
+      <h2 class="ipr-head-t"><fa-icon icon="percentage"></fa-icon> Interest Posting Reports</h2>
+      <div class="ipr-head-s">
+        Each branch gets its own report for each savings product, generated automatically at 12:00 PM on the posting
+        date and open to generating or regenerating at any time. The branch approves it, and its approved interest is
+        posted when the branch closes the day — it cannot close until then. The head office closes last.
+      </div>
+    </div>
+    <div class="ipr-head-a">
+      <label class="ipr-date">
+        Posting date
+        <input type="date" [(ngModel)]="postingDate" (change)="load()" />
+      </label>
+      <button class="ipr-btn" (click)="load()" [disabled]="loading"><fa-icon icon="undo"></fa-icon> Reload</button>
+      <button class="ipr-btn ipr-btn--primary" (click)="openPreview()" [disabled]="previewLoading">
+        <fa-icon icon="eye"></fa-icon> Preview interest (today)
+      </button>
+    </div>
+  </div>
+
+  @if (isHeadOffice) {
+    <div class="ipr-tabs">
+      <button class="ipr-tab" [class.is-active]="tab === 'own'" (click)="switchTab('own')">
+        <fa-icon icon="building"></fa-icon> My branch{{ myBranch ? ' — ' + myBranch : '' }}
+      </button>
+      <button class="ipr-tab" [class.is-active]="tab === 'others'" (click)="switchTab('others')">
+        <fa-icon icon="sitemap"></fa-icon> Other branches
+      </button>
+    </div>
+    @if (tab === 'others') {
+      <div class="ipr-alert ipr-alert--info">
+        <fa-icon icon="info-circle"></fa-icon>
+        <div>
+          Each branch generates and approves its own reports. The head office can act here only for a branch that has
+          not opened the day, and only once every other open branch has closed. Anything it approves is marked (HO).
+        </div>
+      </div>
+    }
+  }
+
+  @if (showPreview) {
+    <div class="ipr-card">
+      <div class="ipr-detail-head">
+        <div>
+          <h3>Interest preview — earned up to {{ previewAsOf }}</h3>
+          <div class="muted">
+            What each account would be paid if interest were posted today. View only — nothing is saved, approved or
+            posted.
+          </div>
+        </div>
+        <div class="ipr-total">
+          <span>Total so far</span>
+          <strong>₹{{ previewTotal | number: '1.2-2' }}</strong>
+          <span class="muted">{{ previewRows.length }} account(s)</span>
+        </div>
+      </div>
+      <div class="ipr-preview-actions">
+        <button class="ipr-btn ipr-btn--slim" (click)="openPreview()" [disabled]="previewLoading">
+          <fa-icon icon="undo"></fa-icon> Refresh
+        </button>
+        <button
+          class="ipr-btn ipr-btn--slim"
+          (click)="exportPreview()"
+          [disabled]="previewLoading || previewRows.length === 0"
+        >
+          <fa-icon icon="file-excel"></fa-icon> Export Excel
+        </button>
+        <button class="ipr-btn ipr-btn--slim" (click)="closePreview()"><fa-icon icon="times"></fa-icon> Close</button>
+      </div>
+      @if (previewLoading) {
+        <div class="ipr-empty">Calculating interest up to today…</div>
+      } @else {
+        <table class="ipr-table">
+          <thead>
+            <tr>
+              <th>Branch</th>
+              <th>Product</th>
+              <th>Posting date</th>
+              <th class="num">Accounts</th>
+              <th class="num">Interest so far</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (g of previewGroups; track g.officeName + g.productName) {
+              <tr>
+                <td>{{ g.officeName }}</td>
+                <td>
+                  <strong>{{ g.productName }}</strong>
+                </td>
+                <td>{{ g.postingDate }}</td>
+                <td class="num">{{ g.accounts }}</td>
+                <td class="num">₹{{ g.interest | number: '1.2-2' }}</td>
+              </tr>
+            } @empty {
+              <tr>
+                <td colspan="5" class="ipr-empty">No savings account has interest accrued in its current cycle.</td>
+              </tr>
+            }
+          </tbody>
+        </table>
+        @if (previewRows.length > 0) {
+          <table class="ipr-table">
+            <thead>
+              <tr>
+                <th>Branch</th>
+                <th>Product</th>
+                <th>Account no</th>
+                <th>Account holder</th>
+                <th class="num">Balance</th>
+                <th class="num">Rate %</th>
+                <th>Cycle</th>
+                <th class="num">Interest so far</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (r of previewRows; track r.savingsAccountId) {
+                <tr>
+                  <td>{{ r.officeName }}</td>
+                  <td>{{ r.productName }}</td>
+                  <td>{{ r.accountNo }}</td>
+                  <td>{{ r.clientName }}</td>
+                  <td class="num">₹{{ r.balance | number: '1.2-2' }}</td>
+                  <td class="num">{{ r.rate | number: '1.2-2' }}</td>
+                  <td class="muted">{{ r.cycleStart }} → {{ r.postingDate }}</td>
+                  <td class="num">₹{{ r.interest | number: '1.2-2' }}</td>
+                </tr>
+              }
+            </tbody>
+            <tfoot>
+              <tr>
+                <td colspan="7"><strong>Total</strong></td>
+                <td class="num">
+                  <strong>₹{{ previewTotal | number: '1.2-2' }}</strong>
+                </td>
+              </tr>
+            </tfoot>
+          </table>
+        }
+      }
+    </div>
+  }
+
+  @if (errorMessage) {
+    <div class="ipr-alert ipr-alert--error">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div>{{ errorMessage }}</div>
+    </div>
+  }
+  @if (notice) {
+    <div class="ipr-alert ipr-alert--ok">
+      <fa-icon icon="check"></fa-icon>
+      <div>{{ notice }}</div>
+    </div>
+  }
+  @if (pendingCount > 0) {
+    <div class="ipr-alert ipr-alert--warn">
+      <fa-icon icon="clock"></fa-icon>
+      <div>{{ pendingCount }} report(s) waiting for approval. The day cannot be closed until they are approved.</div>
+    </div>
+  }
+
+  @if (due.length > 0) {
+    <div class="ipr-alert ipr-alert--warn ipr-due">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div class="ipr-due-body">
+        <div>Interest is due but no report has been generated yet for:</div>
+        @for (d of due; track d.productId + '-' + d.officeId) {
+          <div class="ipr-due-row">
+            <strong>{{ d.productName }}</strong> <span>· {{ d.officeName }} · {{ d.postingDate }}</span>
+            @if (d.canAct) {
+              <button class="ipr-btn ipr-btn--primary ipr-btn--slim" (click)="generate(d)" [disabled]="busy">
+                <fa-icon icon="sync"></fa-icon> {{ tab === 'others' ? 'Generate on behalf' : 'Generate report' }}
+              </button>
+            } @else if (d.blockedReason) {
+              <span class="ipr-blocked">{{ d.blockedReason }}</span>
+            }
+          </div>
+        }
+      </div>
+    </div>
+  }
+
+  <div class="ipr-card">
+    <table class="ipr-table">
+      <thead>
+        <tr>
+          <th>Branch</th>
+          <th>Product</th>
+          <th>Posting date</th>
+          <th class="num">Accounts</th>
+          <th class="num">Total interest</th>
+          <th>Status</th>
+          <th>Generated</th>
+          <th>Approved</th>
+          <th></th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (r of reports; track r.id) {
+          <tr [class.is-selected]="selected?.id === r.id" (click)="open(r)">
+            <td>{{ r.officeName }}</td>
+            <td>
+              <strong>{{ r.productName }}</strong>
+            </td>
+            <td>{{ r.postingDate }}</td>
+            <td class="num">{{ r.accountCount }}</td>
+            <td class="num">₹{{ r.totalInterest | number: '1.2-2' }}</td>
+            <td>
+              <span class="ipr-badge" [ngClass]="statusClass(r.status)">{{ r.status }}</span>
+              @if (r.failureReason) {
+                <div class="ipr-fail" [title]="r.failureReason">Posting failed: {{ r.failureReason }}</div>
+              }
+            </td>
+            <td class="muted">
+              {{ r.generatedBy || 'System' }} · {{ r.generationMode }}<br />{{ r.generatedAt | date: 'dd MMM, HH:mm' }}
+            </td>
+            <td class="muted">
+              @if (r.approvedAt) {
+                {{ r.approvedBy }}
+                @if (r.approvedOnBehalf) {
+                  <span class="ipr-behalf">(HO)</span>
+                }
+                <br />{{ r.approvedAt | date: 'dd MMM, HH:mm' }}
+              } @else {
+                —
+              }
+            </td>
+            <td class="actions" (click)="$event.stopPropagation()">
+              @if (canRegenerate(r)) {
+                <button class="ipr-btn ipr-btn--slim" (click)="regenerate(r)" [disabled]="busy">
+                  <fa-icon icon="sync"></fa-icon> Regenerate
+                </button>
+              }
+              @if (canApprove(r)) {
+                <button class="ipr-btn ipr-btn--primary ipr-btn--slim" (click)="approve(r)" [disabled]="busy">
+                  <fa-icon icon="check"></fa-icon> {{ tab === 'others' ? 'Approve on behalf' : 'Approve' }}
+                </button>
+              }
+              @if (!r.canAct && r.blockedReason && (r.status === 'GENERATED' || r.status === 'APPROVED')) {
+                <span class="ipr-blocked">{{ r.blockedReason }}</span>
+              }
+            </td>
+          </tr>
+        } @empty {
+          <tr>
+            <td colspan="9" class="ipr-empty">
+              @if (loading) {
+                Loading…
+              } @else {
+                No interest posting report for {{ postingDate || 'this date' }}. Reports are generated at 12:00 PM on a
+                product's posting date.
+              }
+            </td>
+          </tr>
+        }
+      </tbody>
+    </table>
+  </div>
+
+  @if (selected) {
+    <div class="ipr-card">
+      <div class="ipr-detail-head">
+        <div>
+          <h3>{{ selected.officeName }} · {{ selected.productName }} — {{ selected.postingDate }}</h3>
+          <div class="muted">
+            Dr {{ selected.expenseGlCode }} {{ selected.expenseGlName }} → Cr {{ selected.payableGlCode }}
+            {{ selected.payableGlName }}; Dr {{ selected.payableGlCode }} → Cr {{ selected.paidGlCode }}
+            {{ selected.paidGlName }}; then Dr {{ selected.paidGlCode }} → Cr each account below
+          </div>
+        </div>
+        <div class="ipr-total">
+          <span>Total interest</span>
+          <strong>₹{{ selected.totalInterest | number: '1.2-2' }}</strong>
+          <span class="muted">{{ selected.accountCount }} account(s)</span>
+        </div>
+      </div>
+      <table class="ipr-table">
+        <thead>
+          <tr>
+            <th>Account no</th>
+            <th>Account holder</th>
+            <th class="num">Interest</th>
+            <th class="num">Balance before posting</th>
+            <th class="num">Balance after posting</th>
+            <th>Posted txn</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (l of selected.lines; track l.savingsAccountId) {
+            <tr>
+              <td>{{ l.accountNo }}</td>
+              <td>{{ l.clientName }}</td>
+              <td class="num">₹{{ l.interestAmount | number: '1.2-2' }}</td>
+              <td class="num">₹{{ l.balanceBefore | number: '1.2-2' }}</td>
+              <td class="num">₹{{ l.balanceAfter | number: '1.2-2' }}</td>
+              <td class="muted">{{ l.savingsTransactionId ? '#' + l.savingsTransactionId : '—' }}</td>
+            </tr>
+          }
+        </tbody>
+        <tfoot>
+          <tr>
+            <td colspan="2"><strong>Total</strong></td>
+            <td class="num">
+              <strong>₹{{ selected.totalInterest | number: '1.2-2' }}</strong>
+            </td>
+            <td colspan="3"></td>
+          </tr>
+        </tfoot>
+      </table>
+    </div>
+  }
+</div>

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

@@ -0,0 +1,327 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+:host {
+  --i-navy: #1a237e;
+  --i-blue: #1d4ed8;
+  --i-blue-l: #eff6ff;
+  --i-green: #15803d;
+  --i-green-l: #dcfce7;
+  --i-amber: #b45309;
+  --i-amber-l: #fef3c7;
+  --i-red: #c0392b;
+  --i-red-l: #fdecea;
+  --i-g100: #f1f5f9;
+  --i-g200: #e2e8f0;
+  --i-g500: #64748b;
+  --i-g900: #0f172a;
+
+  display: block;
+  font-family: 'DM Sans', system-ui, sans-serif;
+  color: var(--i-g900);
+}
+
+.ipr {
+  max-width: 1280px;
+  margin: 0 auto;
+  padding: 16px;
+}
+
+.ipr-head {
+  display: flex;
+  flex-wrap: wrap;
+  justify-content: space-between;
+  align-items: flex-end;
+  gap: 12px;
+  margin-bottom: 14px;
+}
+
+.ipr-head-t {
+  margin: 0;
+  font-size: 22px;
+  color: var(--i-navy);
+}
+
+.ipr-head-s {
+  max-width: 720px;
+  margin-top: 4px;
+  font-size: 13px;
+  color: var(--i-g500);
+}
+
+.ipr-head-a {
+  display: flex;
+  align-items: flex-end;
+  gap: 8px;
+}
+
+.ipr-date {
+  display: flex;
+  flex-direction: column;
+  font-size: 11px;
+  color: var(--i-g500);
+
+  input,
+  select {
+    padding: 6px 8px;
+    border: 1px solid var(--i-g200);
+    border-radius: 6px;
+    font: inherit;
+    font-size: 13px;
+  }
+}
+
+.ipr-btn {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 7px 12px;
+  border: 1px solid var(--i-g200);
+  border-radius: 6px;
+  background: #fff;
+  font: inherit;
+  font-size: 13px;
+  cursor: pointer;
+
+  &:disabled {
+    opacity: 0.55;
+    cursor: default;
+  }
+}
+
+.ipr-btn--primary {
+  border-color: var(--i-blue);
+  background: var(--i-blue);
+  color: #fff;
+}
+
+.ipr-btn--slim {
+  padding: 4px 10px;
+  font-size: 12px;
+}
+
+.ipr-alert {
+  display: flex;
+  gap: 8px;
+  margin-bottom: 10px;
+  padding: 10px 14px;
+  border-radius: 8px;
+  font-size: 13px;
+}
+
+.ipr-alert--error {
+  background: var(--i-red-l);
+  color: var(--i-red);
+}
+
+.ipr-alert--ok {
+  background: var(--i-green-l);
+  color: var(--i-green);
+}
+
+.ipr-alert--warn {
+  background: var(--i-amber-l);
+  color: var(--i-amber);
+}
+
+.ipr-card {
+  margin-bottom: 14px;
+  border: 1px solid var(--i-g200);
+  border-radius: 10px;
+  background: #fff;
+  overflow-x: auto;
+}
+
+.ipr-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 13px;
+
+  th,
+  td {
+    padding: 9px 12px;
+    border-bottom: 1px solid var(--i-g100);
+    text-align: left;
+    vertical-align: top;
+  }
+
+  th {
+    background: var(--i-g100);
+    font-size: 11px;
+    text-transform: uppercase;
+    letter-spacing: 0.03em;
+    color: var(--i-g500);
+  }
+
+  tbody tr {
+    cursor: pointer;
+  }
+
+  tbody tr.is-selected {
+    background: var(--i-blue-l);
+  }
+
+  .num {
+    text-align: right;
+    white-space: nowrap;
+  }
+
+  .actions {
+    display: flex;
+    gap: 6px;
+    justify-content: flex-end;
+    cursor: default;
+  }
+
+  tfoot td {
+    background: var(--i-g100);
+  }
+}
+
+.muted {
+  color: var(--i-g500);
+  font-size: 12px;
+}
+
+.ipr-empty {
+  padding: 24px !important;
+  text-align: center !important;
+  color: var(--i-g500);
+}
+
+.ipr-badge {
+  display: inline-block;
+  padding: 2px 8px;
+  border-radius: 10px;
+  font-size: 11px;
+  font-weight: 600;
+}
+
+.ipr-badge--pending {
+  background: var(--i-amber-l);
+  color: var(--i-amber);
+}
+
+.ipr-badge--approved {
+  background: var(--i-blue-l);
+  color: var(--i-blue);
+}
+
+.ipr-badge--posted {
+  background: var(--i-green-l);
+  color: var(--i-green);
+}
+
+.ipr-badge--muted {
+  background: var(--i-g100);
+  color: var(--i-g500);
+}
+
+.ipr-fail {
+  margin-top: 4px;
+  font-size: 11px;
+  color: var(--i-red);
+}
+
+.ipr-detail-head {
+  display: flex;
+  flex-wrap: wrap;
+  justify-content: space-between;
+  gap: 12px;
+  padding: 14px 16px;
+
+  h3 {
+    margin: 0 0 4px;
+    font-size: 16px;
+    color: var(--i-navy);
+  }
+}
+
+.ipr-total {
+  display: flex;
+  flex-direction: column;
+  align-items: flex-end;
+
+  strong {
+    font-size: 22px;
+    color: var(--i-navy);
+  }
+}
+
+.ipr-due-body {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+  flex: 1;
+}
+
+.ipr-due-row {
+  display: flex;
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 8px;
+}
+
+// Approved by the head office on behalf of a branch that did not open that day.
+.ipr-behalf {
+  margin-left: 4px;
+  font-size: 11px;
+  font-weight: 600;
+  color: var(--i-amber);
+}
+
+// Preview: refresh / export / close, above the totals.
+.ipr-preview-actions {
+  display: flex;
+  gap: 6px;
+  justify-content: flex-end;
+  padding: 0 16px 10px;
+}
+
+.ipr-tabs {
+  display: flex;
+  gap: 4px;
+  margin-bottom: 12px;
+  border-bottom: 1px solid var(--i-g200);
+}
+
+.ipr-tab {
+  display: inline-flex;
+  align-items: center;
+  gap: 6px;
+  padding: 8px 14px;
+  margin-bottom: -1px;
+  font-size: 13px;
+  font-weight: 600;
+  color: var(--i-g500);
+  cursor: pointer;
+  background: transparent;
+  border: 1px solid transparent;
+  border-radius: 6px 6px 0 0;
+
+  &.is-active {
+    color: var(--i-navy);
+    background: #fff;
+    border-color: var(--i-g200);
+    border-bottom-color: #fff;
+  }
+}
+
+.ipr-alert--info {
+  background: var(--i-blue-l);
+  color: var(--i-blue);
+}
+
+.ipr-blocked {
+  display: inline-block;
+  max-width: 320px;
+  font-size: 11px;
+  line-height: 1.35;
+  color: var(--i-g500);
+  white-space: normal;
+}

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

@@ -0,0 +1,398 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { SettingsService } from 'app/settings/settings.service';
+import { exportWorkbook } from '../cashier/cashier-export';
+import {
+  InterestPostingDue,
+  InterestPostingReport,
+  InterestPostingReportDetail,
+  InterestPostingReportService,
+  InterestPreviewRow,
+  ReportScope
+} from './interest-posting-report.service';
+
+/**
+ * Savings interest posting reports.
+ *
+ * On a product's posting date the system generates, at noon, the list of what each savings account
+ * will be paid. It is reviewed and approved here; the approved amounts are posted when the last
+ * branch closes the day, and until then no branch can close. Regenerating replaces the report and
+ * needs approving again.
+ */
+@Component({
+  selector: 'mifosx-interest-posting-report',
+  templateUrl: './interest-posting-report.component.html',
+  styleUrls: ['./interest-posting-report.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule,
+    FaIconComponent
+  ]
+})
+export class InterestPostingReportComponent implements OnInit {
+  private reportService = inject(InterestPostingReportService);
+  private settingsService = inject(SettingsService);
+
+  postingDate = '';
+  loading = false;
+  busy = false;
+  errorMessage = '';
+  notice = '';
+
+  reports: InterestPostingReport[] = [];
+  selected: InterestPostingReportDetail | null = null;
+  /** Products with interest due and no report yet — the noon job ran before they had anything due, or failed. */
+  due: InterestPostingDue[] = [];
+
+  /** 'own' — the user's own branch; 'others' — every other branch, a head-office-only tab. */
+  tab: ReportScope = 'own';
+  isHeadOffice = false;
+  myBranch = '';
+
+  ngOnInit(): void {
+    this.postingDate = this.businessDateIso();
+    this.reportService.context().subscribe({
+      next: (ctx) => {
+        this.isHeadOffice = !!ctx?.headOffice;
+        this.myBranch = ctx?.officeName ?? '';
+      },
+      error: () => (this.isHeadOffice = false)
+    });
+    this.load();
+  }
+
+  switchTab(tab: ReportScope): void {
+    if (this.tab === tab) {
+      return;
+    }
+    this.tab = tab;
+    this.selected = null;
+    this.notice = '';
+    this.load();
+  }
+
+  /** Acting for another branch is the head office's exception, so it is spelt out before it happens. */
+  private confirmOnBehalf(officeName: string, action: string): boolean {
+    if (this.tab !== 'others') {
+      return true;
+    }
+    return confirm(
+      `${officeName} has not opened today. You are about to ${action} its interest posting report on its behalf, ` +
+        'from the head office. Continue?'
+    );
+  }
+
+  load(): void {
+    this.loading = true;
+    this.errorMessage = '';
+    this.reportService.list(this.postingDate || undefined, undefined, undefined, this.tab).subscribe({
+      next: (reports) => {
+        this.reports = reports ?? [];
+        this.loading = false;
+        const stillThere = this.selected && this.reports.find((r) => r.id === this.selected?.id);
+        if (stillThere) {
+          this.open(stillThere);
+        } else {
+          this.selected = null;
+        }
+      },
+      error: (err) => {
+        this.loading = false;
+        this.errorMessage = this.messageOf(err, 'Could not load the interest posting reports.');
+      }
+    });
+    this.reportService.dueWithoutReport(this.postingDate || undefined, this.tab).subscribe({
+      next: (due) => (this.due = due ?? []),
+      error: () => (this.due = [])
+    });
+  }
+
+  generate(item: InterestPostingDue): void {
+    if (!this.confirmOnBehalf(item.officeName, 'generate')) {
+      return;
+    }
+    this.busy = true;
+    this.notice = '';
+    this.errorMessage = '';
+    this.reportService.regenerate(item.productId, item.officeId, item.postingDate).subscribe({
+      next: (res) => {
+        this.busy = false;
+        this.notice = `Report generated for ${item.productName} — ${item.officeName}. Review and approve it.`;
+        this.load();
+        this.reportService.detail(res.reportId).subscribe((detail) => (this.selected = detail));
+      },
+      error: (err) => {
+        this.busy = false;
+        this.errorMessage = this.messageOf(err, 'Could not generate the report.');
+      }
+    });
+  }
+
+  open(report: InterestPostingReport): void {
+    this.errorMessage = '';
+    this.reportService.detail(report.id).subscribe({
+      next: (detail) => (this.selected = detail),
+      error: (err) => (this.errorMessage = this.messageOf(err, 'Could not load the report.'))
+    });
+  }
+
+  regenerate(report: InterestPostingReport): void {
+    if (
+      !confirm(
+        `Regenerate the interest posting report for ${report.productName} — ${report.officeName}? It will need approving again.`
+      ) ||
+      !this.confirmOnBehalf(report.officeName, 'regenerate')
+    ) {
+      return;
+    }
+    this.busy = true;
+    this.notice = '';
+    this.errorMessage = '';
+    this.reportService.regenerate(report.productId, report.officeId, report.postingDate).subscribe({
+      next: (res) => {
+        this.busy = false;
+        this.notice = `Report regenerated for ${report.productName}. Review and approve it.`;
+        this.selected = null;
+        this.load();
+        this.reportService.detail(res.reportId).subscribe((detail) => (this.selected = detail));
+      },
+      error: (err) => {
+        this.busy = false;
+        this.errorMessage = this.messageOf(err, 'Could not regenerate the report.');
+      }
+    });
+  }
+
+  approve(report: InterestPostingReport): void {
+    if (
+      !confirm(
+        `Approve interest of ₹${report.totalInterest} across ${report.accountCount} account(s) for ${report.productName}? ` +
+          'It will be posted when the branch closes the day.'
+      ) ||
+      !this.confirmOnBehalf(report.officeName, 'approve')
+    ) {
+      return;
+    }
+    this.busy = true;
+    this.notice = '';
+    this.errorMessage = '';
+    this.reportService.approve(report.id).subscribe({
+      next: () => {
+        this.busy = false;
+        this.notice = `Approved. Interest for ${report.productName} — ${report.officeName} will be posted when the branch closes the day.`;
+        this.load();
+      },
+      error: (err) => {
+        this.busy = false;
+        this.errorMessage = this.messageOf(err, 'Could not approve the report.');
+      }
+    });
+  }
+
+  canRegenerate(report: InterestPostingReport): boolean {
+    return report.canAct && (report.status === 'GENERATED' || report.status === 'APPROVED');
+  }
+
+  canApprove(report: InterestPostingReport): boolean {
+    return report.canAct && report.status === 'GENERATED';
+  }
+
+  statusClass(status: string): string {
+    return (
+      {
+        GENERATED: 'ipr-badge--pending',
+        APPROVED: 'ipr-badge--approved',
+        POSTED: 'ipr-badge--posted',
+        SUPERSEDED: 'ipr-badge--muted'
+      }[status] ?? 'ipr-badge--muted'
+    );
+  }
+
+  /** Pending reports that block this user's own day close; another branch's pending reports block only that branch. */
+  get pendingCount(): number {
+    return this.tab === 'own' ? this.reports.filter((r) => r.status === 'GENERATED').length : 0;
+  }
+
+  // ── Preview: what each account has earned so far, as if posted today. View only. ──
+
+  showPreview = false;
+  previewLoading = false;
+  previewRows: InterestPreviewRow[] = [];
+  previewAsOf = '';
+
+  openPreview(): void {
+    this.showPreview = true;
+    this.previewLoading = true;
+    this.errorMessage = '';
+    this.reportService.preview().subscribe({
+      next: (rows) => {
+        this.previewRows = rows ?? [];
+        this.previewAsOf = this.previewRows[0]?.asOf ?? this.businessDateIso();
+        this.previewLoading = false;
+      },
+      error: (err) => {
+        this.previewLoading = false;
+        this.previewRows = [];
+        this.errorMessage = this.messageOf(err, 'Could not load the interest preview.');
+      }
+    });
+  }
+
+  closePreview(): void {
+    this.showPreview = false;
+  }
+
+  get previewTotal(): number {
+    return this.previewRows.reduce((sum, r) => sum + Number(r.interest || 0), 0);
+  }
+
+  /** Totals by branch and product, for the summary above the account list and the export. */
+  get previewGroups(): {
+    officeName: string;
+    productName: string;
+    postingDate: string;
+    accounts: number;
+    interest: number;
+  }[] {
+    const map = new Map<
+      string,
+      { officeName: string; productName: string; postingDate: string; accounts: number; interest: number }
+    >();
+    this.previewRows.forEach((r) => {
+      const key = `${r.officeName}|${r.productName}`;
+      const g = map.get(key) ?? {
+        officeName: r.officeName,
+        productName: r.productName,
+        postingDate: r.postingDate,
+        accounts: 0,
+        interest: 0
+      };
+      g.accounts += 1;
+      g.interest += Number(r.interest || 0);
+      map.set(key, g);
+    });
+    return [...map.values()];
+  }
+
+  exportPreview(): void {
+    const stamp = `Interest earned to ${this.previewAsOf} — preview, not posted`;
+    exportWorkbook(
+      [
+        {
+          sheetName: 'By account',
+          title: 'Savings Interest Preview',
+          subtitle: stamp,
+          headers: [
+            'Branch',
+            'Product',
+            'Account No',
+            'Customer',
+            'Balance',
+            'Rate %',
+            'Cycle Start',
+            'Posting Date',
+            'Interest So Far'
+          ],
+          widths: [
+            18,
+            22,
+            20,
+            26,
+            16,
+            8,
+            12,
+            12,
+            16
+          ],
+          rows: [
+            ...this.previewRows.map((r) => [
+              r.officeName,
+              r.productName,
+              r.accountNo,
+              r.clientName,
+              Number(r.balance || 0),
+              Number(r.rate || 0),
+              r.cycleStart,
+              r.postingDate,
+              Number(r.interest || 0)
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              '',
+              '',
+              '',
+              '',
+              '',
+              this.previewTotal
+            ]
+          ]
+        },
+        {
+          sheetName: 'By branch & product',
+          title: 'Savings Interest Preview — Totals',
+          subtitle: stamp,
+          headers: [
+            'Branch',
+            'Product',
+            'Posting Date',
+            'Accounts',
+            'Interest So Far'
+          ],
+          widths: [
+            18,
+            22,
+            12,
+            10,
+            16
+          ],
+          rows: [
+            ...this.previewGroups.map((g) => [
+              g.officeName,
+              g.productName,
+              g.postingDate,
+              g.accounts,
+              g.interest
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              this.previewRows.length,
+              this.previewTotal
+            ]
+          ]
+        }
+      ],
+      `savings-interest-preview-${this.previewAsOf}`
+    );
+  }
+
+  private businessDateIso(): string {
+    const businessDate = this.settingsService.businessDate as any;
+    const parsed = businessDate ? new Date(businessDate) : new Date();
+    if (isNaN(parsed.getTime())) {
+      return new Date().toISOString().slice(0, 10);
+    }
+    const month = String(parsed.getMonth() + 1).padStart(2, '0');
+    const day = String(parsed.getDate()).padStart(2, '0');
+    return `${parsed.getFullYear()}-${month}-${day}`;
+  }
+
+  private messageOf(err: any, fallback: string): string {
+    return (
+      err?.error?.errors?.[0]?.defaultUserMessage ?? err?.error?.defaultUserMessage ?? err?.error?.message ?? fallback
+    );
+  }
+}

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

@@ -0,0 +1,180 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Injectable, inject } from '@angular/core';
+import { HttpClient, HttpParams } from '@angular/common/http';
+import { Observable } from 'rxjs';
+
+export type InterestPostingReportStatus = 'GENERATED' | 'APPROVED' | 'POSTED' | 'SUPERSEDED';
+
+/** Which branches a list covers: the user's own, or (head office only) every other branch. */
+export type ReportScope = 'own' | 'others';
+
+export interface InterestPostingReport {
+  id: number;
+  productId: number;
+  productName: string;
+  officeId: number;
+  officeName: string;
+  postingDate: string;
+  status: InterestPostingReportStatus;
+  totalInterest: number;
+  accountCount: number;
+  generationMode: 'AUTO' | 'MANUAL';
+  generatedAt: string;
+  generatedBy: string | null;
+  approvedAt: string | null;
+  approvedBy: string | null;
+  approvedOnBehalf: boolean;
+  postedAt: string | null;
+  failureReason: string | null;
+  /** Whether the signed-in user may regenerate or approve it: their own branch, or the head office for a branch that did not open. */
+  canAct: boolean;
+  /** Why not, where canAct is false. */
+  blockedReason: string | null;
+}
+
+export interface InterestPostingReportLine {
+  savingsAccountId: number;
+  accountNo: string;
+  clientName: string;
+  interestAmount: number;
+  balanceBefore: number;
+  balanceAfter: number;
+  savingsTransactionId: number | null;
+}
+
+export interface InterestPostingReportDetail extends InterestPostingReport {
+  payableGlCode: string | null;
+  payableGlName: string | null;
+  paidGlCode: string | null;
+  paidGlName: string | null;
+  expenseGlCode: string | null;
+  expenseGlName: string | null;
+  lines: InterestPostingReportLine[];
+}
+
+export interface InterestPostingDue {
+  productId: number;
+  productName: string;
+  officeId: number;
+  officeName: string;
+  postingDate: string;
+  canAct: boolean;
+  blockedReason: string | null;
+}
+
+export interface InterestPostingSummaryRow {
+  id: number;
+  postingDate: string;
+  officeId: number;
+  officeName: string;
+  productId: number;
+  productName: string;
+  accountCount: number;
+  totalInterest: number;
+  status: InterestPostingReportStatus;
+  approvedBy: string | null;
+  approvedOnBehalf: boolean;
+  approvedAt: string | null;
+  postedAt: string | null;
+}
+
+export interface InterestPreviewRow {
+  officeId: number;
+  officeName: string;
+  productId: number;
+  productName: string;
+  savingsAccountId: number;
+  accountNo: string;
+  clientName: string;
+  balance: number;
+  rate: number;
+  cycleStart: string;
+  postingDate: string;
+  asOf: string;
+  interest: number;
+}
+
+/**
+ * The savings interest posting reports, one per branch and product: generated at noon on a posting
+ * date, approved by the branch, posted when the branch closes the day.
+ */
+@Injectable({ providedIn: 'root' })
+export class InterestPostingReportService {
+  private http = inject(HttpClient);
+  private readonly base = '/savingsinterestpostingreports';
+
+  /** scope 'own' is the user's own branch; 'others' (head office only) every other branch. */
+  list(
+    postingDate?: string,
+    status?: string,
+    officeId?: number,
+    scope?: ReportScope
+  ): Observable<InterestPostingReport[]> {
+    let params = new HttpParams();
+    if (scope) params = params.set('scope', scope);
+    if (postingDate) params = params.set('postingDate', postingDate);
+    if (status) params = params.set('status', status);
+    if (officeId) params = params.set('officeId', String(officeId));
+    return this.http.get<InterestPostingReport[]>(this.base, { params });
+  }
+
+  /** Branch and product pairs with interest due by the date and no report yet, that this user may generate. */
+  dueWithoutReport(postingDate?: string, scope?: ReportScope): Observable<InterestPostingDue[]> {
+    let params = new HttpParams();
+    if (scope) params = params.set('scope', scope);
+    if (postingDate) params = params.set('postingDate', postingDate);
+    return this.http.get<InterestPostingDue[]>(`${this.base}/due-without-report`, { params });
+  }
+
+  /** The signed-in user's branch, and whether it is the head office. */
+  context(): Observable<{ officeId: number; officeName: string; headOffice: boolean }> {
+    return this.http.get<{ officeId: number; officeName: string; headOffice: boolean }>(`${this.base}/context`);
+  }
+
+  detail(reportId: number): Observable<InterestPostingReportDetail> {
+    return this.http.get<InterestPostingReportDetail>(`${this.base}/${reportId}`);
+  }
+
+  regenerate(
+    productId: number,
+    officeId: number,
+    postingDate: string
+  ): Observable<{ reportId: number; status: string }> {
+    return this.http.post<{ reportId: number; status: string }>(
+      this.base,
+      { productId, officeId, postingDate },
+      { params: new HttpParams().set('command', 'regenerate') }
+    );
+  }
+
+  approve(reportId: number): Observable<{ reportId: number; status: string }> {
+    return this.http.post<{ reportId: number; status: string }>(
+      `${this.base}/${reportId}`,
+      {},
+      { params: new HttpParams().set('command', 'approve') }
+    );
+  }
+
+  /** Interest each account has earned so far this cycle, as if posted today. View only. */
+  preview(officeId?: number): Observable<InterestPreviewRow[]> {
+    let params = new HttpParams();
+    if (officeId) params = params.set('officeId', String(officeId));
+    return this.http.get<InterestPreviewRow[]>(`${this.base}/preview`, { params });
+  }
+
+  /** The head office's branch-wise view over a date range. */
+  summary(fromDate?: string, toDate?: string, productId?: number): Observable<InterestPostingSummaryRow[]> {
+    let params = new HttpParams();
+    if (fromDate) params = params.set('fromDate', fromDate);
+    if (toDate) params = params.set('toDate', toDate);
+    if (productId) params = params.set('productId', String(productId));
+    return this.http.get<InterestPostingSummaryRow[]>(`${this.base}/summary`, { params });
+  }
+}

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

@@ -0,0 +1,172 @@
+<!--
+  Copyright since 2025 Mifos Initiative
+
+  This Source Code Form is subject to the terms of the Mozilla Public
+  License, v. 2.0. If a copy of the MPL was not distributed with this
+  file, You can obtain one at http://mozilla.org/MPL/2.0/.
+-->
+
+<div class="ipr">
+  <div class="ipr-head">
+    <div>
+      <h2 class="ipr-head-t"><fa-icon icon="percentage"></fa-icon> Interest Posting Summary</h2>
+      <div class="ipr-head-s">
+        Savings interest across every branch: for each posting date, branch and product, how many customers were paid
+        and how much. Each branch approves and posts its own; this is the head office's view.
+      </div>
+    </div>
+    <div class="ipr-head-a">
+      <label class="ipr-date">
+        From
+        <input type="date" [(ngModel)]="fromDate" (change)="load()" />
+      </label>
+      <label class="ipr-date">
+        To
+        <input type="date" [(ngModel)]="toDate" (change)="load()" />
+      </label>
+      <label class="ipr-date">
+        Product
+        <select [(ngModel)]="productId">
+          <option [ngValue]="null">All products</option>
+          @for (p of products; track p.id) {
+            <option [ngValue]="p.id">{{ p.name }}</option>
+          }
+        </select>
+      </label>
+      <button class="ipr-btn" (click)="load()" [disabled]="loading"><fa-icon icon="undo"></fa-icon> Reload</button>
+      <button class="ipr-btn ipr-btn--primary" (click)="exportExcel()" [disabled]="loading || shown.length === 0">
+        <fa-icon icon="file-excel"></fa-icon> Export Excel
+      </button>
+    </div>
+  </div>
+
+  @if (errorMessage) {
+    <div class="ipr-alert ipr-alert--error">
+      <fa-icon icon="exclamation-triangle"></fa-icon>
+      <div>{{ errorMessage }}</div>
+    </div>
+  }
+  @if (pendingCount > 0) {
+    <div class="ipr-alert ipr-alert--warn">
+      <fa-icon icon="clock"></fa-icon>
+      <div>{{ pendingCount }} branch report(s) in this period are not posted yet.</div>
+    </div>
+  }
+
+  <div class="ipr-card">
+    <div class="ipr-detail-head">
+      <div>
+        <h3>Branch totals</h3>
+        <div class="muted">{{ fromDate }} to {{ toDate }}</div>
+      </div>
+      <div class="ipr-total">
+        <span>Total interest</span>
+        <strong>₹{{ totalInterest | number: '1.2-2' }}</strong>
+        <span class="muted">{{ totalCustomers }} customer(s) · posted ₹{{ postedInterest | number: '1.2-2' }}</span>
+      </div>
+    </div>
+    <table class="ipr-table">
+      <thead>
+        <tr>
+          <th>Branch</th>
+          <th class="num">Reports</th>
+          <th class="num">Customers</th>
+          <th class="num">Interest</th>
+          <th class="num">Posted</th>
+          <th class="num">Not yet posted</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (b of byBranch; track b.officeName) {
+          <tr>
+            <td>
+              <strong>{{ b.officeName }}</strong>
+            </td>
+            <td class="num">{{ b.reports }}</td>
+            <td class="num">{{ b.customers }}</td>
+            <td class="num">₹{{ b.interest | number: '1.2-2' }}</td>
+            <td class="num">₹{{ b.posted | number: '1.2-2' }}</td>
+            <td class="num">₹{{ b.interest - b.posted | number: '1.2-2' }}</td>
+          </tr>
+        } @empty {
+          <tr>
+            <td colspan="6" class="ipr-empty">
+              @if (loading) {
+                Loading…
+              } @else {
+                No interest posting report in this period.
+              }
+            </td>
+          </tr>
+        }
+      </tbody>
+      @if (byBranch.length > 0) {
+        <tfoot>
+          <tr>
+            <td><strong>Total</strong></td>
+            <td class="num">
+              <strong>{{ shown.length }}</strong>
+            </td>
+            <td class="num">
+              <strong>{{ totalCustomers }}</strong>
+            </td>
+            <td class="num">
+              <strong>₹{{ totalInterest | number: '1.2-2' }}</strong>
+            </td>
+            <td class="num">
+              <strong>₹{{ postedInterest | number: '1.2-2' }}</strong>
+            </td>
+            <td class="num">
+              <strong>₹{{ totalInterest - postedInterest | number: '1.2-2' }}</strong>
+            </td>
+          </tr>
+        </tfoot>
+      }
+    </table>
+  </div>
+
+  <div class="ipr-card">
+    <table class="ipr-table">
+      <thead>
+        <tr>
+          <th>Posting date</th>
+          <th>Branch</th>
+          <th>Product</th>
+          <th class="num">Customers</th>
+          <th class="num">Interest</th>
+          <th>Status</th>
+          <th>Approved</th>
+          <th>Posted</th>
+        </tr>
+      </thead>
+      <tbody>
+        @for (r of shown; track r.id) {
+          <tr>
+            <td>{{ r.postingDate }}</td>
+            <td>{{ r.officeName }}</td>
+            <td>
+              <strong>{{ r.productName }}</strong>
+            </td>
+            <td class="num">{{ r.accountCount }}</td>
+            <td class="num">₹{{ r.totalInterest | number: '1.2-2' }}</td>
+            <td>
+              <span class="ipr-badge" [ngClass]="statusClass(r.status)">{{ r.status }}</span>
+            </td>
+            <td class="muted">
+              @if (r.approvedAt) {
+                {{ r.approvedBy }}
+                @if (r.approvedOnBehalf) {
+                  <span class="ipr-behalf">(HO)</span>
+                }
+                <br />{{ r.approvedAt | date: 'dd MMM, HH:mm' }}
+              } @else {
+                —
+              }
+            </td>
+            <td class="muted">{{ r.postedAt ? (r.postedAt | date: 'dd MMM, HH:mm') : '—' }}</td>
+          </tr>
+        }
+      </tbody>
+    </table>
+  </div>
+</div>

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

@@ -0,0 +1,244 @@
+/**
+ * Copyright since 2025 Mifos Initiative
+ *
+ * This Source Code Form is subject to the terms of the Mozilla Public
+ * License, v. 2.0. If a copy of the MPL was not distributed with this
+ * file, You can obtain one at http://mozilla.org/MPL/2.0/.
+ */
+
+import { Component, OnInit, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { FaIconComponent } from '@fortawesome/angular-fontawesome';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { SettingsService } from 'app/settings/settings.service';
+import { exportWorkbook } from '../cashier/cashier-export';
+import {
+  InterestPostingReportService,
+  InterestPostingSummaryRow
+} from '../interest-posting-report/interest-posting-report.service';
+
+/**
+ * The head office's view of savings interest across branches: for each posting date, branch and
+ * product, how many customers were paid and how much, and whether it has been approved and posted.
+ * Nothing is approved here — each branch approves its own — so it is a report and an Excel export.
+ */
+@Component({
+  selector: 'mifosx-interest-posting-summary',
+  templateUrl: './interest-posting-summary.component.html',
+  styleUrls: ['../interest-posting-report/interest-posting-report.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule,
+    FaIconComponent
+  ]
+})
+export class InterestPostingSummaryComponent implements OnInit {
+  private reportService = inject(InterestPostingReportService);
+  private settingsService = inject(SettingsService);
+
+  fromDate = '';
+  toDate = '';
+  productId: number | null = null;
+
+  loading = false;
+  errorMessage = '';
+  rows: InterestPostingSummaryRow[] = [];
+
+  ngOnInit(): void {
+    const today = this.businessDateIso();
+    this.toDate = today;
+    this.fromDate = `${today.slice(0, 7)}-01`;
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.errorMessage = '';
+    this.reportService.summary(this.fromDate || undefined, this.toDate || undefined).subscribe({
+      next: (rows) => {
+        this.rows = rows ?? [];
+        this.loading = false;
+      },
+      error: (err) => {
+        this.loading = false;
+        this.rows = [];
+        this.errorMessage =
+          err?.error?.errors?.[0]?.defaultUserMessage ??
+          err?.error?.defaultUserMessage ??
+          err?.error?.message ??
+          'Could not load the interest summary.';
+      }
+    });
+  }
+
+  /** Products present in the loaded rows, for the filter. */
+  get products(): { id: number; name: string }[] {
+    const seen = new Map<number, string>();
+    this.rows.forEach((r) => seen.set(r.productId, r.productName));
+    return [...seen.entries()].map(
+      ([
+        id,
+        name
+      ]) => ({ id, name })
+    );
+  }
+
+  get shown(): InterestPostingSummaryRow[] {
+    return this.productId ? this.rows.filter((r) => r.productId === this.productId) : this.rows;
+  }
+
+  get totalCustomers(): number {
+    return this.shown.reduce((sum, r) => sum + (r.accountCount || 0), 0);
+  }
+
+  get totalInterest(): number {
+    return this.shown.reduce((sum, r) => sum + Number(r.totalInterest || 0), 0);
+  }
+
+  get postedInterest(): number {
+    return this.shown.filter((r) => r.status === 'POSTED').reduce((sum, r) => sum + Number(r.totalInterest || 0), 0);
+  }
+
+  get pendingCount(): number {
+    return this.shown.filter((r) => r.status !== 'POSTED').length;
+  }
+
+  /** Branch totals, for the second table and the export. */
+  get byBranch(): { officeName: string; customers: number; interest: number; posted: number; reports: number }[] {
+    const map = new Map<
+      string,
+      { officeName: string; customers: number; interest: number; posted: number; reports: number }
+    >();
+    this.shown.forEach((r) => {
+      const key = r.officeName || '—';
+      const row = map.get(key) ?? { officeName: key, customers: 0, interest: 0, posted: 0, reports: 0 };
+      row.customers += r.accountCount || 0;
+      row.interest += Number(r.totalInterest || 0);
+      row.posted += r.status === 'POSTED' ? Number(r.totalInterest || 0) : 0;
+      row.reports += 1;
+      map.set(key, row);
+    });
+    return [...map.values()].sort((a, b) => a.officeName.localeCompare(b.officeName));
+  }
+
+  statusClass(status: string): string {
+    return (
+      {
+        GENERATED: 'ipr-badge--pending',
+        APPROVED: 'ipr-badge--approved',
+        POSTED: 'ipr-badge--posted'
+      }[status] ?? 'ipr-badge--muted'
+    );
+  }
+
+  exportExcel(): void {
+    const period = `Posting dates ${this.fromDate || '…'} to ${this.toDate || '…'}`;
+    const product = this.productId ? this.products.find((p) => p.id === this.productId)?.name : 'All products';
+    exportWorkbook(
+      [
+        {
+          sheetName: 'By report',
+          title: 'Savings Interest — Branch-wise Posting',
+          subtitle: `${period} · ${product}`,
+          headers: [
+            'Posting Date',
+            'Branch',
+            'Product',
+            'Customers',
+            'Interest',
+            'Status',
+            'Approved By',
+            'Approved At',
+            'Posted At'
+          ],
+          widths: [
+            14,
+            22,
+            24,
+            12,
+            16,
+            12,
+            20,
+            20,
+            20
+          ],
+          rows: [
+            ...this.shown.map((r) => [
+              r.postingDate,
+              r.officeName,
+              r.productName,
+              r.accountCount,
+              Number(r.totalInterest || 0),
+              r.status,
+              (r.approvedBy || '') + (r.approvedOnBehalf ? ' (HO)' : ''),
+              r.approvedAt || '',
+              r.postedAt || ''
+            ]),
+            [
+              'TOTAL',
+              '',
+              '',
+              this.totalCustomers,
+              this.totalInterest,
+              '',
+              '',
+              '',
+              ''
+            ]
+          ]
+        },
+        {
+          sheetName: 'By branch',
+          title: 'Savings Interest — Branch Totals',
+          subtitle: `${period} · ${product}`,
+          headers: [
+            'Branch',
+            'Reports',
+            'Customers',
+            'Interest',
+            'Posted',
+            'Not Yet Posted'
+          ],
+          widths: [
+            22,
+            10,
+            12,
+            16,
+            16,
+            16
+          ],
+          rows: [
+            ...this.byBranch.map((b) => [
+              b.officeName,
+              b.reports,
+              b.customers,
+              b.interest,
+              b.posted,
+              b.interest - b.posted
+            ]),
+            [
+              'TOTAL',
+              this.shown.length,
+              this.totalCustomers,
+              this.totalInterest,
+              this.postedInterest,
+              this.totalInterest - this.postedInterest
+            ]
+          ]
+        }
+      ],
+      `savings-interest-branch-summary-${this.fromDate}-to-${this.toDate}`
+    );
+  }
+
+  private businessDateIso(): string {
+    const businessDate = this.settingsService.businessDate as any;
+    const parsed = businessDate ? new Date(businessDate) : new Date();
+    if (isNaN(parsed.getTime())) {
+      return new Date().toISOString().slice(0, 10);
+    }
+    const month = String(parsed.getMonth() + 1).padStart(2, '0');
+    const day = String(parsed.getDate()).padStart(2, '0');
+    return `${parsed.getFullYear()}-${month}-${day}`;
+  }
+}

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

@@ -52,7 +52,7 @@
                 }
               } @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>
+                <span class="rrc-rate-now__since">{{ type === 'CRR' ? 'Form 1 Part B' : 'Form 1 Part C' }} cannot compute</span>
               }
             </div>
           }
@@ -62,8 +62,10 @@
           <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>
+              <!-- Both ratios are Form 1's. Part B charges section 18 on the base, Part C section
+                 24 on the same base - one form, two parts, not two returns. -->
+              <mat-option value="CRR">CRR — Form 1 Part B</mat-option>
+              <mat-option value="SLR">SLR — Form 1 Part C</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>
@@ -129,11 +131,30 @@
 
     <!-- ═══ GL accounts ═══ -->
     <div class="rrc-card">
-      <h3 class="rrc-card__title">GL accounts behind each figure</h3>
+      <div class="rrc-gl-head">
+        <h3 class="rrc-card__title">GL accounts behind each figure</h3>
+        <!--
+          The two returns share a base but maintain their requirement in different assets, so an
+          administrator setting one up is looking at a different set of heads than one setting up
+          the other. Showing all of them at once buries the few that matter for the task in hand.
+        -->
+        <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rrc-gl-head__filter">
+          <mat-label>Configuring</mat-label>
+          <mat-select [(ngModel)]="formFilter" (selectionChange)="onFormFilterChange()">
+            @for (f of formFilters; track f.value) {
+              <mat-option [value]="f.value">{{ f.label }}</mat-option>
+            }
+          </mat-select>
+        </mat-form-field>
+      </div>
       <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.
+        @if (formFilter !== 'ALL') {
+          Heads that build or net the DTL base are shown for either return, since both charge their rate on that same
+          base.
+        }
       </p>
 
       @if (unmappedCount) {

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

@@ -385,6 +385,20 @@ $red: #c5221f;
   margin: 0 !important;
 }
 
+// Title and the return filter on one line: the filter says what the list below is showing, so it
+// belongs beside the heading rather than buried among the roles.
+.rrc-gl-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 16px;
+  flex-wrap: wrap;
+
+  &__filter {
+    width: 260px;
+  }
+}
+
 .rrc-remove {
   min-width: 0 !important;
   padding: 0 8px !important;

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

@@ -23,8 +23,11 @@ export interface ReserveMapping {
 }
 
 /**
- * Configuration behind RBI Form 1 (CRR) and Form 9 (SLR): the percentages RBI sets, and which GL
- * accounts the returns read their figures from.
+ * Configuration behind RBI Form 1: the percentages RBI sets, and which GL accounts the return reads
+ * its figures from.
+ *
+ * One form settles both ratios. Part B is section 18 (the cash reserve) and Part C is section 24
+ * (the liquid assets), charged on the same base, so CRR and SLR are configured together here.
  *
  * 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
@@ -47,8 +50,8 @@ 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.
+   * Which return's roles this screen configures, as the backend groups them: 'RESERVE' for Form 1,
+   * 'FORM9' for Form IX, '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,
@@ -64,6 +67,80 @@ export class RbiReserveConfigComponent implements OnInit {
   /** The roles grouped by the return they feed, in backend order. */
   roleGroups: { name: string; label: string; roles: any[] }[] = [];
 
+  /**
+   * Which return's configuration is on screen: Form 1, Form IX, or both together.
+   *
+   * The two returns have nothing in common - Form 1 charges ratios on a liability base, Form IX
+   * reports a balance sheet - so an administrator setting one up is looking at a different set of
+   * heads than one setting up the other. Showing all of them at once buries the handful that matter
+   * for the task in hand.
+   */
+  formFilter: 'ALL' | 'FORM_1' | 'FORM_IX' = 'ALL';
+
+  /** Every reserve role the backend returned, before the form filter narrows it. */
+  private allRoles: any[] = [];
+
+  /** Re-slices what is on screen. No round trip - the full set is already held. */
+  onFormFilterChange(): void {
+    this.glRoles = this.rolesForScreen();
+    this.rebuildGroups();
+  }
+
+  /**
+   * The roles this screen shows: those in its own group, narrowed to the return selected above.
+   *
+   * The group scope is widened for Form IX. Its heads were seeded into their own group so they sit
+   * apart on the backend, and a screen fixed to 'RESERVE' would filter every one of them out before
+   * the return filter ever ran - leaving the Form IX option selectable and its list empty.
+   */
+  private rolesForScreen(): any[] {
+    const wanted = this.formFilter === 'FORM_IX' ? 'FORM9' : this.group;
+    const scoped = wanted ? this.allRoles.filter((r: any) => r.group === wanted) : this.allRoles;
+    return scoped.filter((r: any) => this.belongsToSelectedForm(r));
+  }
+
+  /**
+   * The returns this bank files, and the only ones that can be configured.
+   *
+   * There is no separate SLR return. Form 1 settles both ratios on one form - Part B is section 18,
+   * the cash reserve, and Part C is section 24, the liquid assets - so the heads that meet SLR are
+   * Form 1's heads. A "Form 9 - SLR" option used to sit here from before that was understood; it
+   * selected a return that has no report behind it, and filtered the SLR heads out of the one form
+   * that actually reports them.
+   */
+  readonly formFilters = [
+    { value: 'ALL', label: 'All returns' },
+    { value: 'FORM_1', label: 'Form 1 — CRR & SLR' },
+    { value: 'FORM_IX', label: 'Form IX — Assets & Liabilities (R408)' }
+  ];
+
+  /**
+   * Whether a head belongs to the return currently selected.
+   *
+   * Form 1 takes every head that is not Form IX's. It reports both ratios: MAINTAINED heads are met
+   * in cash and balances and settle Part B, SLR_ASSET heads are met in securities and gold and
+   * settle Part C, and the heads that build or net the DTL base feed the IV(b) both rates are
+   * charged on. Splitting them across two filters only hid half of one form.
+   */
+  private belongsToSelectedForm(role: any): boolean {
+    if (this.formFilter === 'ALL') {
+      return true;
+    }
+    // Form IX's heads are placed by the group they were seeded into, not by usage. Its usages -
+    // LIABILITY and ASSET - read the same as Form 1's but mean something different: on Form IX they
+    // say which SIDE OF THE BALANCE SHEET a head sits on, not how it enters a ratio. Sixty heads
+    // showing up under Form 1's filter would bury the eight that belong there.
+    const group = role.group || role.roleGroup;
+    if (group === 'FORM9') {
+      return this.formFilter === 'FORM_IX';
+    }
+    if (this.formFilter === 'FORM_IX') {
+      return false;
+    }
+    // Everything left belongs to Form 1, whichever of its two parts it settles.
+    return true;
+  }
+
   /** Which group's roles are on screen. Unused when the screen is scoped to one group. */
   activeGroup = '';
   rates: any[] = [];
@@ -94,15 +171,18 @@ export class RbiReserveConfigComponent implements OnInit {
   /**
    * 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.
+   * MAINTAINED and SLR_ASSET are separate because the two parts 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 Part B quietly satisfy Part C.
    */
   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: 'LIABILITY', label: 'Liability — adds to the DTL base (Form 1)' },
+    { value: 'ASSET_NET', label: 'Asset — netted off the base to give NDTL (Form 1)' },
+    { value: 'MAINTAINED', label: 'Counts toward CRR maintained (Form 1 Part B)' },
+    { value: 'SLR_ASSET', label: 'Counts toward SLR maintained (Form 1 Part C)' },
+    // Form IX has no ratio and no base: its usages say which side of the balance sheet a head sits
+    // on. LIABILITY above serves its liability side, and this its asset side.
+    { value: 'ASSET', label: 'Asset — enters Total Assets (Form IX)' },
     { value: 'MEMO', label: 'Memo — shown on the return but totals nothing' }
   ];
 
@@ -140,10 +220,11 @@ export class RbiReserveConfigComponent implements OnInit {
   }
 
   private applyConfig(config: any): void {
-    const allRoles = config.glRoles || [];
+    // Kept so the form filter can re-slice without a round trip.
+    this.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.glRoles = this.rolesForScreen();
     this.rates = config.rates || [];
     this.selection = {};
     for (const role of this.glRoles) {
@@ -201,9 +282,9 @@ export class RbiReserveConfigComponent implements OnInit {
 
   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.'
+      'The CRR and SLR percentages, and the GL accounts RBI Form 1 reads its figures from — Part B settles the cash ' +
+      'reserve, Part C the liquid assets, both charged on the same base. A rate applies to a base — so a role left ' +
+      'unmapped stops the return computing rather than reporting a nil figure that looks real.'
     );
   }
 

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

@@ -61,12 +61,7 @@
                 }
               </mat-select>
             </mat-form-field>
-            <button
-              mat-raised-button
-              color="primary"
-              [disabled]="savingGl || !isGlDirty(role)"
-              (click)="saveGl(role)"
-            >
+            <button mat-raised-button color="primary" [disabled]="savingGl || !isGlDirty(role)" (click)="saveGl(role)">
               {{ savingGl ? 'Saving…' : 'Save' }}
             </button>
           </div>
@@ -78,8 +73,8 @@
     <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.
+        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">

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

@@ -37,7 +37,10 @@ interface FieldDef {
 @Component({
   selector: 'mifosx-tds-config',
   templateUrl: './tds-config.component.html',
-  styleUrls: ['../rbi-reserve-config/rbi-reserve-config.component.scss', './tds-config.component.scss'],
+  styleUrls: [
+    '../rbi-reserve-config/rbi-reserve-config.component.scss',
+    './tds-config.component.scss'
+  ],
   imports: [
     ...STANDALONE_SHARED_IMPORTS,
     FormsModule
@@ -67,7 +70,12 @@ export class TdsConfigComponent implements OnInit {
 
   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: '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' },
@@ -96,7 +104,12 @@ export class TdsConfigComponent implements OnInit {
         { value: 'QUARTERLY', label: 'Quarterly' }
       ]
     },
-    { key: 'declarationStatementDueDay', label: 'Statement due on day', kind: 'int', hint: 'Of the following month / quarter' }
+    {
+      key: 'declarationStatementDueDay',
+      label: 'Statement due on day',
+      kind: 'int',
+      hint: 'Of the following month / quarter'
+    }
   ];
 
   readonly statuteFields: FieldDef[] = [

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

@@ -226,22 +226,18 @@ export class CurrentProductSettingsStepComponent implements OnInit {
     const percent = form.get('odExcessLimitPercent');
     const penal = form.get('odPenalRate');
     percent.setValidators(
-      required
-        ? [
+      required ? [
             Validators.required,
             Validators.min(0.01),
             Validators.max(25)
-          ]
-        : []
+          ] : []
     );
     penal.setValidators(
-      required
-        ? [
+      required ? [
             Validators.required,
             Validators.min(0.01),
             Validators.max(50)
-          ]
-        : []
+          ] : []
     );
     percent.updateValueAndValidity({ emitEvent: false });
     penal.updateValueAndValidity({ emitEvent: false });

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

@@ -23,7 +23,9 @@
       @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>
+          <span
+            >Tick "Is Overdraft Allowed" to set the OD interest rate. The OD limits are set on the Settings tab.</span
+          >
         </div>
       }
 

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

@@ -84,8 +84,12 @@ export class CurrentProductTermsStepComponent implements OnInit {
     this.CurrentProductTermsForm.patchValue({
       interestPostingPeriodType: storedPostingOffered ? storedPosting : defaultPosting,
       interestCalculationDaysInYearType: storedDaysInYear === 360 ? 360 : 365,
-      nominalAnnualInterestRateOverdraft: isEditing ? this.CurrentProductsTemplate.nominalAnnualInterestRateOverdraft : '',
-      minOverdraftForInterestCalculation: isEditing ? this.CurrentProductsTemplate.minOverdraftForInterestCalculation : '',
+      nominalAnnualInterestRateOverdraft: isEditing
+        ? this.CurrentProductsTemplate.nominalAnnualInterestRateOverdraft
+        : '',
+      minOverdraftForInterestCalculation: isEditing
+        ? this.CurrentProductsTemplate.minOverdraftForInterestCalculation
+        : '',
       autoPost: isEditing ? (this.CurrentProductsTemplate.autoPost ?? true) : true
     });
 
@@ -98,13 +102,11 @@ export class CurrentProductTermsStepComponent implements OnInit {
   private applyOverdraftValidators(allowed: boolean) {
     const rate = this.CurrentProductTermsForm.get('nominalAnnualInterestRateOverdraft');
     rate.setValidators(
-      allowed
-        ? [
+      allowed ? [
             Validators.required,
             Validators.min(0.01),
             Validators.max(50)
-          ]
-        : [Validators.min(0)]
+          ] : [Validators.min(0)]
     );
     rate.updateValueAndValidity({ emitEvent: false });
   }

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

@@ -24,6 +24,10 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 type AccountingSectionKey = 'assets' | 'liabilities' | 'expenses' | 'income';
 
+const SAVINGS_INTEREST_PAYABLE_ACCOUNT_NAME = 'Savings Interest Payable';
+const FIXED_DEPOSIT_INTEREST_PAID_ACCOUNT_NAME = 'Fixed Deposit Interest Paid';
+const SAVINGS_INTEREST_PAID_ACCOUNT_NAME = 'Savings Interest Paid';
+
 type AccountingRowConfig = {
   key: string;
   label: string;
@@ -128,6 +132,7 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
       feesReceivableAccountId: [''],
       penaltiesReceivableAccountId: [''],
       interestPayableAccountId: [''],
+      savingsInterestPaidAccountId: [''],
       escheatLiabilityId: [''],
       assetsOtherGlMappings: this.formBuilder.array([]),
       liabilitiesOtherGlMappings: this.formBuilder.array([]),
@@ -158,6 +163,20 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
     return '';
   }
 
+  private extractNamedGlMapping(
+    otherGlMappings: any[],
+    accountName: string,
+    controlName: string,
+    options: GLAccount[]
+  ): any[] {
+    const match = (otherGlMappings || []).find((mapping) => mapping?.accountName === accountName);
+    if (match) {
+      const glAccountId = match.glAccountId || options.find((option) => option.glCode === match.glCode)?.id || '';
+      this.fixedDepositProductAccountingForm.get(controlName)?.patchValue(glAccountId);
+    }
+    return (otherGlMappings || []).filter((mapping) => mapping?.accountName !== accountName);
+  }
+
   private patchAccountingValues(mappings: any) {
     this.fixedDepositProductAccountingForm.patchValue({
       savingsReferenceAccountId: this.extractAccountId(
@@ -200,7 +219,18 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
         glMappings?.liabilities || [],
         this.liabilityAccountOptions
       );
-      this.setOtherGlMappings('expensesOtherGlMappings', glMappings?.expenses || [], this.expenseAccountOptions);
+      const fromExpenses = this.extractNamedGlMapping(
+        this.extractNamedGlMapping(
+          glMappings?.expenses || [],
+          FIXED_DEPOSIT_INTEREST_PAID_ACCOUNT_NAME,
+          'savingsInterestPaidAccountId',
+          this.expenseAccountOptions
+        ),
+        SAVINGS_INTEREST_PAID_ACCOUNT_NAME,
+        'savingsInterestPaidAccountId',
+        this.expenseAccountOptions
+      );
+      this.setOtherGlMappings('expensesOtherGlMappings', fromExpenses, this.expenseAccountOptions);
       this.setOtherGlMappings('incomeOtherGlMappings', glMappings?.income || [], this.incomeAccountOptions);
     }
   }
@@ -266,10 +296,26 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
         }))
         .filter((item: { accountName: string; glCode: string }) => !!item.accountName || !!item.glCode);
 
+    const namedAsOtherGlMapping = (controlName: string, accountName: string, options: GLAccount[]) => {
+      const glAccountId = this.fixedDepositProductAccountingForm.get(controlName)?.value;
+      if (!glAccountId) {
+        return [];
+      }
+      const glCode = options.find((o) => o.id === glAccountId)?.glCode || '';
+      return glCode ? [{ accountName, glCode }] : [];
+    };
+
     const otherGlMappings = {
       assets: map('assetsOtherGlMappings', this.assetAccountOptions),
       liabilities: map('liabilitiesOtherGlMappings', this.liabilityAccountOptions),
-      expenses: map('expensesOtherGlMappings', this.expenseAccountOptions),
+      expenses: [
+        ...namedAsOtherGlMapping(
+          'savingsInterestPaidAccountId',
+          FIXED_DEPOSIT_INTEREST_PAID_ACCOUNT_NAME,
+          this.expenseAccountOptions
+        ),
+        ...map('expensesOtherGlMappings', this.expenseAccountOptions)
+      ],
       income: map('incomeOtherGlMappings', this.incomeAccountOptions)
     };
     return Object.values(otherGlMappings).some((v) => v.length) ? otherGlMappings : null;
@@ -416,6 +462,13 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
             controlName: 'interestOnSavingsAccountId',
             options: this.expenseAccountOptions,
             required: true
+          },
+          {
+            key: 'savingsInterestPaidAccountId',
+            label: 'Fixed Deposit Interest Paid',
+            inputLabel: 'Fixed deposit interest paid',
+            controlName: 'savingsInterestPaidAccountId',
+            options: this.expenseAccountOptions
           }
         ],
         otherMappingsControlName: 'expensesOtherGlMappings',
@@ -456,6 +509,7 @@ export class FixedDepositProductAccountingStepComponent implements OnInit, OnCha
       liabilitiesOtherGlMappings,
       expensesOtherGlMappings,
       incomeOtherGlMappings,
+      savingsInterestPaidAccountId,
       ...accounting
     } = this.fixedDepositProductAccountingForm.value;
     const otherGlMappings = this.getOtherGlMappings();

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

@@ -24,6 +24,10 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 type AccountingSectionKey = 'assets' | 'liabilities' | 'expenses' | 'income';
 
+const SAVINGS_INTEREST_PAYABLE_ACCOUNT_NAME = 'Savings Interest Payable';
+const RECURRING_DEPOSIT_INTEREST_PAID_ACCOUNT_NAME = 'Recurring Deposit Interest Paid';
+const SAVINGS_INTEREST_PAID_ACCOUNT_NAME = 'Savings Interest Paid';
+
 type AccountingRowConfig = {
   key: string;
   label: string;
@@ -122,6 +126,7 @@ export class RecurringDepositProductAccountingStepComponent implements OnInit {
       feesReceivableAccountId: [''],
       penaltiesReceivableAccountId: [''],
       interestPayableAccountId: [''],
+      savingsInterestPaidAccountId: [''],
       escheatLiabilityId: [''],
       assetsOtherGlMappings: this.formBuilder.array([]),
       liabilitiesOtherGlMappings: this.formBuilder.array([]),
@@ -136,6 +141,20 @@ export class RecurringDepositProductAccountingStepComponent implements OnInit {
     });
   }
 
+  private extractNamedGlMapping(
+    otherGlMappings: any[],
+    accountName: string,
+    controlName: string,
+    options: GLAccount[]
+  ): any[] {
+    const match = (otherGlMappings || []).find((mapping) => mapping?.accountName === accountName);
+    if (match) {
+      const glAccountId = match.glAccountId || options.find((option) => option.glCode === match.glCode)?.id || '';
+      this.recurringDepositProductAccountingForm.get(controlName)?.patchValue(glAccountId);
+    }
+    return (otherGlMappings || []).filter((mapping) => mapping?.accountName !== accountName);
+  }
+
   private patchAccountingValues(mappings: any) {
     this.recurringDepositProductAccountingForm.patchValue({
       savingsReferenceAccountId: mappings.savingsReferenceAccount?.id || '',
@@ -158,7 +177,18 @@ export class RecurringDepositProductAccountingStepComponent implements OnInit {
         glMappings?.liabilities || [],
         this.liabilityAccountOptions
       );
-      this.setOtherGlMappings('expensesOtherGlMappings', glMappings?.expenses || [], this.expenseAccountOptions);
+      const fromExpenses = this.extractNamedGlMapping(
+        this.extractNamedGlMapping(
+          glMappings?.expenses || [],
+          RECURRING_DEPOSIT_INTEREST_PAID_ACCOUNT_NAME,
+          'savingsInterestPaidAccountId',
+          this.expenseAccountOptions
+        ),
+        SAVINGS_INTEREST_PAID_ACCOUNT_NAME,
+        'savingsInterestPaidAccountId',
+        this.expenseAccountOptions
+      );
+      this.setOtherGlMappings('expensesOtherGlMappings', fromExpenses, this.expenseAccountOptions);
       this.setOtherGlMappings('incomeOtherGlMappings', glMappings?.income || [], this.incomeAccountOptions);
     }
   }
@@ -224,10 +254,26 @@ export class RecurringDepositProductAccountingStepComponent implements OnInit {
         }))
         .filter((item: { accountName: string; glCode: string }) => !!item.accountName || !!item.glCode);
 
+    const namedAsOtherGlMapping = (controlName: string, accountName: string, options: GLAccount[]) => {
+      const glAccountId = this.recurringDepositProductAccountingForm.get(controlName)?.value;
+      if (!glAccountId) {
+        return [];
+      }
+      const glCode = options.find((o) => o.id === glAccountId)?.glCode || '';
+      return glCode ? [{ accountName, glCode }] : [];
+    };
+
     const otherGlMappings = {
       assets: map('assetsOtherGlMappings', this.assetAccountOptions),
       liabilities: map('liabilitiesOtherGlMappings', this.liabilityAccountOptions),
-      expenses: map('expensesOtherGlMappings', this.expenseAccountOptions),
+      expenses: [
+        ...namedAsOtherGlMapping(
+          'savingsInterestPaidAccountId',
+          RECURRING_DEPOSIT_INTEREST_PAID_ACCOUNT_NAME,
+          this.expenseAccountOptions
+        ),
+        ...map('expensesOtherGlMappings', this.expenseAccountOptions)
+      ],
       income: map('incomeOtherGlMappings', this.incomeAccountOptions)
     };
     return Object.values(otherGlMappings).some((v) => v.length) ? otherGlMappings : null;
@@ -360,11 +406,18 @@ export class RecurringDepositProductAccountingStepComponent implements OnInit {
         rows: [
           {
             key: 'interestOnSavingsAccountId',
-            label: 'Interest On Savings Account',
-            inputLabel: 'Interest on savings account',
+            label: 'Interest On Recurring Deposits',
+            inputLabel: 'Interest on recurring deposits',
             controlName: 'interestOnSavingsAccountId',
             options: this.expenseAccountOptions,
             required: true
+          },
+          {
+            key: 'savingsInterestPaidAccountId',
+            label: 'Recurring Deposit Interest Paid',
+            inputLabel: 'Recurring deposit interest paid',
+            controlName: 'savingsInterestPaidAccountId',
+            options: this.expenseAccountOptions
           }
         ],
         otherMappingsControlName: 'expensesOtherGlMappings',
@@ -405,6 +458,7 @@ export class RecurringDepositProductAccountingStepComponent implements OnInit {
       liabilitiesOtherGlMappings,
       expensesOtherGlMappings,
       incomeOtherGlMappings,
+      savingsInterestPaidAccountId,
       ...accounting
     } = this.recurringDepositProductAccountingForm.value;
     const otherGlMappings = this.getOtherGlMappings();

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

@@ -144,7 +144,7 @@
         </button>
       }
       @if (savingProductFormValid && selectedTabIndex === totalTabs - 1) {
-        <button mat-raised-button color="primary" (click)="submit()">
+        <button mat-raised-button color="primary" [disabled]="submitting" (click)="submit()">
           <i class="fas fa-check" style="margin-right: 8px"></i>
           {{ 'labels.buttons.Submit' | translate }}
         </button>

src/app/products/saving-products/create-saving-product/create-saving-product.component.ts

@@ -70,6 +70,10 @@ export class CreateSavingProductComponent {
   savingProductsTemplate: any;
   accountingRuleData: string[] = [];
   selectedTabIndex = 0;
+  /** Guards against repeat clicks on Submit: the product name is unique in the database, so a
+   * second request for the same form fails with a duplicate key error even though the first one
+   * created the product. */
+  submitting = false;
 
   /**
    * @param {ActivatedRoute} route Activated Route.
@@ -162,8 +166,11 @@ export class CreateSavingProductComponent {
   }
 
   submit() {
+    if (this.submitting) {
+      return;
+    }
+    this.submitting = true;
     const savingProduct = this.prepareSavingProductPayload();
-    console.log('Saving product submit payload:', savingProduct);
     this.productsService.createSavingProduct(savingProduct).subscribe({
       next: (response: any) => {
         if (response?.rollbackTransaction) {
@@ -181,6 +188,11 @@ export class CreateSavingProductComponent {
             { relativeTo: this.route }
           );
         }
+      },
+      error: () => {
+        // the error itself is reported by the global error handler; just let the user correct the
+        // form and try again
+        this.submitting = false;
       }
     });
   }

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

@@ -88,6 +88,8 @@ export class SavingProductAccountingStepComponent implements OnInit {
   liabilityAccountOptions: GLAccount[] = [];
   expenseAccountOptions: GLAccount[] = [];
   incomeAccountOptions: GLAccount[] = [];
+  /** Savings Interest Paid sits under Expenses and offers expense GLs; it nets to nil at each posting. */
+  paidAccountOptions: GLAccount[] = [];
   assetAccountOptions: GLAccount[] = [];
   paymentTypeOptions: any[] = [];
   /** A payment-type Fund Source override can legitimately be a suspense/clearing Liability account
@@ -114,6 +116,7 @@ export class SavingProductAccountingStepComponent implements OnInit {
     this.liabilityAccountOptions = accountingMappingOptions.liabilityAccountOptions || [];
     this.expenseAccountOptions = accountingMappingOptions.expenseAccountOptions || [];
     this.incomeAccountOptions = accountingMappingOptions.incomeAccountOptions || [];
+    this.paidAccountOptions = this.expenseAccountOptions;
     this.paymentTypeOptions = this.savingProductsTemplate?.paymentTypeOptions || [];
     this.fundSourceAccountOptions = this.assetAccountOptions.concat(this.liabilityAccountOptions);
     this.buildAccountingSectionConfigs();
@@ -201,26 +204,30 @@ export class SavingProductAccountingStepComponent implements OnInit {
       // Backend serializes as 'otherGlMappingsMap'; fall back to 'otherGlMappings' for compatibility
       const glMappings = mappings.otherGlMappingsMap || mappings.otherGlMappings;
       this.setOtherGlMappings('assetsOtherGlMappings', glMappings?.assets || [], this.assetAccountOptions);
-      this.setOtherGlMappings(
-        'liabilitiesOtherGlMappings',
+      // Payable is a liability row, saved under liabilities; Paid an expense row, saved under
+      // expenses. Products saved before either move carry them in the other bucket, so both buckets
+      // are read and the named entries are stripped out of either one's "Other" rows.
+      const fromLiabilities = this.extractNamedGlMapping(
         this.extractNamedGlMapping(
           glMappings?.liabilities || [],
           SAVINGS_INTEREST_PAYABLE_ACCOUNT_NAME,
           'savingsInterestPayableAccountId',
           this.liabilityAccountOptions
         ),
-        this.liabilityAccountOptions
+        SAVINGS_INTEREST_PAID_ACCOUNT_NAME,
+        'savingsInterestPaidAccountId',
+        this.paidAccountOptions
       );
-      this.setOtherGlMappings(
-        'expensesOtherGlMappings',
-        this.extractNamedGlMapping(
-          glMappings?.expenses || [],
-          SAVINGS_INTEREST_PAID_ACCOUNT_NAME,
-          'savingsInterestPaidAccountId',
-          this.expenseAccountOptions
+      this.setOtherGlMappings('liabilitiesOtherGlMappings', fromLiabilities, this.liabilityAccountOptions);
+      const fromExpenses = this.extractNamedGlMapping(
+        (glMappings?.expenses || []).filter(
+          (mapping: any) => mapping?.accountName !== SAVINGS_INTEREST_PAYABLE_ACCOUNT_NAME
         ),
-        this.expenseAccountOptions
+        SAVINGS_INTEREST_PAID_ACCOUNT_NAME,
+        'savingsInterestPaidAccountId',
+        this.paidAccountOptions
       );
+      this.setOtherGlMappings('expensesOtherGlMappings', fromExpenses, this.expenseAccountOptions);
       this.setOtherGlMappings('incomeOtherGlMappings', glMappings?.income || [], this.incomeAccountOptions);
     }
   }
@@ -336,11 +343,13 @@ export class SavingProductAccountingStepComponent implements OnInit {
         ),
         ...mapOtherGlMappings('liabilitiesOtherGlMappings', this.liabilityAccountOptions)
       ],
+      // The backend finds Savings Interest Paid by name in any bucket; it sits under expenses
+      // because that is where the screen shows it.
       expenses: [
         ...namedAsOtherGlMapping(
           'savingsInterestPaidAccountId',
           SAVINGS_INTEREST_PAID_ACCOUNT_NAME,
-          this.expenseAccountOptions
+          this.paidAccountOptions
         ),
         ...mapOtherGlMappings('expensesOtherGlMappings', this.expenseAccountOptions)
       ],
@@ -378,14 +387,16 @@ export class SavingProductAccountingStepComponent implements OnInit {
     if (this.accounting.isCashOrAccrualAccountingRuleId(accountingRule)) {
       addControl('savingsReferenceAccountId', true);
       addControl('savingsControlAccountId', true);
+      // The interest expense: every interest posting debits it for the product's total.
       addControl('interestOnSavingsAccountId', true);
       addControl('incomeFromFeeAccountId', true);
       addControl('incomeFromPenaltyAccountId', true);
       // Savings Interest Payable / Paid are offered under Cash too, but the backend only persists the
       // core mappings for CASH_BASED, so these two ride along in otherGlMappings (see getOtherGlMappings)
-      // rather than as named accounting params, which would be silently dropped. Optional by design.
-      addControl('savingsInterestPayableAccountId', false);
-      addControl('savingsInterestPaidAccountId', false);
+      // rather than as named accounting params, which would be silently dropped.
+      // Required: interest posting refuses a product without them rather than skipping their legs.
+      addControl('savingsInterestPayableAccountId', true);
+      addControl('savingsInterestPaidAccountId', true);
       // A real accounting param, unlike the two above, so it rides out as itself rather than
       // inside otherGlMappings. Optional: a product saved without one still closes.
       addControl('roundingAdjustmentAccountId', false);
@@ -522,11 +533,14 @@ export class SavingProductAccountingStepComponent implements OnInit {
             required: true
           },
           {
+            // Credited with the product's total interest at posting and drawn straight back down,
+            // so it closes each posting at nil.
             key: 'savingsInterestPayableAccountId',
             label: 'Savings Interest Payable',
             inputLabel: 'Savings interest payable',
             controlName: 'savingsInterestPayableAccountId',
-            options: this.liabilityAccountOptions
+            options: this.liabilityAccountOptions,
+            required: true
           },
           {
             key: 'interestPayableAccountId',
@@ -555,6 +569,7 @@ export class SavingProductAccountingStepComponent implements OnInit {
         pillClass: 'amber',
         rows: [
           {
+            // The interest cost: debited for the product's total at every posting.
             key: 'interestOnSavingsAccountId',
             label: 'Interest On Savings Account',
             inputLabel: 'Interest on savings account',
@@ -563,11 +578,13 @@ export class SavingProductAccountingStepComponent implements OnInit {
             required: true
           },
           {
+            // A pass-through between the payable and the members that closes each posting at nil.
             key: 'savingsInterestPaidAccountId',
             label: 'Savings Interest Paid',
             inputLabel: 'Savings interest paid',
             controlName: 'savingsInterestPaidAccountId',
-            options: this.expenseAccountOptions
+            options: this.paidAccountOptions,
+            required: true
           },
           {
             // Cash has no paise, so a closing balance of 9,883.79 is handed over as 9,883 and the

src/app/rbi-circulars/form9-return/form9-return.component.html

@@ -0,0 +1,261 @@
+<!--
+  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="f9-container">
+  <!--
+    ═══ Date prompt ═══
+    Asked before anything is fetched: the return reports a month end, and which month it covers
+    follows from this one field.
+  -->
+  @if (awaitingDate) {
+    <div class="f9-prompt">
+      <h2 class="f9-prompt__title">Form IX — Return on Assets and Liabilities</h2>
+      <p class="f9-prompt__sub">
+        Return code R408, filed monthly. Every figure is a closing balance as at the month end, in rupees thousands.
+      </p>
+
+      <div class="f9-prompt__row">
+        <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f9-prompt__date">
+          <mat-label>Reporting date</mat-label>
+          <input matInput type="date" [max]="today" [(ngModel)]="reportingDate" />
+        </mat-form-field>
+        <button mat-raised-button color="primary" (click)="generate()">Generate Form IX</button>
+      </div>
+
+      @if (chosenMonth) {
+        <p class="f9-prompt__hint">
+          Month: <strong>{{ chosenMonth }}</strong>
+        </p>
+      }
+
+      <div class="f9-prompt__quick">
+        <span>Jump to:</span>
+        <button mat-stroked-button (click)="setToMonthEnd()">Month end</button>
+      </div>
+
+      @if (errorMsg) {
+        <div class="f9-alert f9-alert--error">{{ errorMsg }}</div>
+      }
+    </div>
+  } @else if (loading) {
+    <div class="f9-loading">Computing from the ledger…</div>
+  } @else if (errorMsg) {
+    <div class="f9-alert f9-alert--error">{{ errorMsg }}</div>
+  } @else if (data) {
+    <div class="f9-bar f9-noprint">
+      <span class="f9-bar__date">
+        As at <strong>{{ data.reportingDate }}</strong> · {{ data.unit }}
+      </span>
+      <button mat-stroked-button (click)="changeDate()">Change date</button>
+      <button mat-stroked-button (click)="printReturn()">
+        <i class="fas fa-print"></i>
+        Print
+      </button>
+      <button mat-raised-button color="primary" [disabled]="generating" (click)="exportWorkbook()">
+        <i class="fas fa-file-excel"></i>
+        {{ generating ? 'Generating…' : 'RBI workbook' }}
+      </button>
+    </div>
+
+    <div class="f9-sheet" id="f9-printable">
+      <div class="f9-sheet__head">
+        <div class="f9-sheet__title">{{ data.formName }}</div>
+        <div class="f9-sheet__ref">{{ data.statutoryReference }} · Return code {{ data.returnCode }}</div>
+        <div class="f9-sheet__unit">As at {{ data.reportingDate }} · {{ data.unit }}</div>
+      </div>
+
+      <!--
+        ═══ Reconciliation ═══
+        At the top, not the bottom. A return whose two sides disagree has something unmapped or
+        mapped twice, and a reviewer who learns that after reading the statement has already
+        believed the statement.
+      -->
+      <div class="f9-recon" [class.f9-recon--off]="!data.reconciliation.balanced">
+        <div class="f9-recon__cell">
+          <span class="f9-recon__label">Total Liabilities</span>
+          <span class="f9-recon__value">{{ amount(data.reconciliation.totalLiabilities) }}</span>
+        </div>
+        <div class="f9-recon__cell">
+          <span class="f9-recon__label">Total Assets</span>
+          <span class="f9-recon__value">{{ amount(data.reconciliation.totalAssets) }}</span>
+        </div>
+        <div class="f9-recon__cell">
+          <span class="f9-recon__label">Difference</span>
+          <span class="f9-recon__value" [class.f9-neg]="!data.reconciliation.balanced">
+            {{ amount(data.reconciliation.difference) }}
+          </span>
+          <span class="f9-recon__sub">
+            {{
+              data.reconciliation.balanced
+                ? 'The two sides agree'
+                : rupees(data.reconciliation.differenceInRupees) + ' in rupees'
+            }}
+          </span>
+        </div>
+      </div>
+
+      @if (data.caveats.length) {
+        <div class="f9-alert f9-alert--warn">
+          <strong>Check before filing.</strong>
+          <ul class="f9-caveats">
+            @for (caveat of data.caveats; track caveat) {
+              <li>{{ caveat }}</li>
+            }
+          </ul>
+        </div>
+      }
+
+      <!-- ═══ A. Liabilities ═══ -->
+      <table class="f9-table">
+        <thead>
+          <tr>
+            <th class="f9-table__particulars">A. Liabilities in India</th>
+            <th class="f9-table__num">Rs. in Thousands</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (line of data.liabilityLines; track line.configKey) {
+            <tr class="f9-line" [class.f9-line--unconfigured]="!line.configured">
+              <td class="f9-table__particulars">
+                {{ line.label }}
+                @if (!line.configured) {
+                  <span class="f9-badge">Not mapped</span>
+                }
+                <!-- Why a line reads as it does, where the figure alone would mislead — a loss
+                     mapped under Balance of Profit but reported on the asset side. -->
+                @if (line.note) {
+                  <span class="f9-line__note">{{ line.note }}</span>
+                }
+              </td>
+              <td class="f9-table__num">{{ amount(line.amount) }}</td>
+            </tr>
+            <!-- The accounts behind the head. On a "specify" head these rows ARE the sheet the
+                 RBI workbook asks for — one row per account, under its own name. -->
+            @for (account of line.accounts; track $index) {
+              <tr class="f9-subline" [class.f9-subline--excluded]="account.excluded">
+                <td>
+                  <span class="f9-subline__code">{{ account.glCode }}</span>
+                  {{ account.name }}
+                  @if (account.excluded) {
+                    <span class="f9-subline__excluded">excluded — {{ account.excluded }}</span>
+                  }
+                  @if (isPartial(account)) {
+                    <span class="f9-subline__portion">{{ account.weightPercentage }}% share</span>
+                  }
+                </td>
+                <td class="f9-table__num">{{ amount(account.balance) }}</td>
+              </tr>
+            }
+          }
+          <tr class="f9-total">
+            <td>Total Demand and Time Liabilities (4 + 5 + 6)</td>
+            <td class="f9-table__num">{{ amount(total('totalDemandAndTime')) }}</td>
+          </tr>
+          <tr class="f9-total f9-total--grand">
+            <td>TOTAL LIABILITIES</td>
+            <td class="f9-table__num">{{ amount(total('totalLiabilities')) }}</td>
+          </tr>
+        </tbody>
+      </table>
+
+      <!-- ═══ B. Assets ═══ -->
+      <table class="f9-table">
+        <thead>
+          <tr>
+            <th class="f9-table__particulars">B. Assets in India</th>
+            <th class="f9-table__num">Rs. in Thousands</th>
+          </tr>
+        </thead>
+        <tbody>
+          @for (line of data.assetLines; track line.configKey) {
+            <tr class="f9-line" [class.f9-line--unconfigured]="!line.configured">
+              <td class="f9-table__particulars">
+                {{ line.label }}
+                @if (!line.configured) {
+                  <span class="f9-badge">Not mapped</span>
+                }
+                <!-- Why a line reads as it does, where the figure alone would mislead — a loss
+                     mapped under Balance of Profit but reported on the asset side. -->
+                @if (line.note) {
+                  <span class="f9-line__note">{{ line.note }}</span>
+                }
+              </td>
+              <td class="f9-table__num">{{ amount(line.amount) }}</td>
+            </tr>
+            <!-- A head whose sub-rows carry the opposite sign says so on its own line. Three
+                 negative balances under a positive total otherwise read as an error rather than
+                 as the ledger side the figure was carried from. -->
+            @if (line.accountsMirrorHead && line.accounts.length) {
+              <tr class="f9-subline f9-subline--mirror">
+                <td colspan="2">
+                  As the ledger holds them — these balances carry the opposite sign and add to the figure above
+                </td>
+              </tr>
+            }
+            @for (account of line.accounts; track $index) {
+              <tr class="f9-subline" [class.f9-subline--excluded]="account.excluded">
+                <td>
+                  <span class="f9-subline__code">{{ account.glCode }}</span>
+                  {{ account.name }}
+                  @if (account.excluded) {
+                    <span class="f9-subline__excluded">excluded — {{ account.excluded }}</span>
+                  }
+                  @if (isPartial(account)) {
+                    <span class="f9-subline__portion">{{ account.weightPercentage }}% share</span>
+                  }
+                </td>
+                <td class="f9-table__num">{{ amount(account.balance) }}</td>
+              </tr>
+            }
+          }
+          <tr class="f9-total f9-total--grand">
+            <td>TOTAL ASSETS</td>
+            <td class="f9-table__num">{{ amount(total('totalAssets')) }}</td>
+          </tr>
+        </tbody>
+      </table>
+
+      <!-- ═══ Stated splits and explanations ═══ -->
+      @if (data.memoLines.length) {
+        <table class="f9-table">
+          <thead>
+            <tr>
+              <th class="f9-table__particulars">Stated splits and explanations — entering no total</th>
+              <th class="f9-table__num">Rs. in Thousands</th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (line of data.memoLines; track line.configKey) {
+              <tr class="f9-line" [class.f9-line--unconfigured]="!line.configured">
+                <td class="f9-table__particulars">
+                  {{ line.label }}
+                  @if (!line.configured) {
+                    <span class="f9-badge">Not mapped</span>
+                  }
+                </td>
+                <td class="f9-table__num">{{ amount(line.amount) }}</td>
+              </tr>
+            }
+            <tr class="f9-line">
+              <td class="f9-table__particulars">Percentage of overdues to total loans and advances</td>
+              <td class="f9-table__num">{{ percent(total('overduePercentage')) }}</td>
+            </tr>
+            <tr class="f9-line">
+              <td class="f9-table__particulars">Priority sector advances as a percentage of total loans</td>
+              <td class="f9-table__num">{{ percent(total('prioritySectorPercentage')) }}</td>
+            </tr>
+          </tbody>
+        </table>
+      }
+
+      <div class="f9-sign">
+        <div class="f9-sign__line">AUTHORISED SIGNATORY</div>
+      </div>
+    </div>
+  }
+</div>

src/app/rbi-circulars/form9-return/form9-return.component.scss

@@ -0,0 +1,395 @@
+/**
+ * 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;
+
+.f9-container {
+  max-width: 1180px;
+  margin: 0 auto;
+  padding: 20px 16px;
+}
+
+// ── Date prompt ──
+// Centred and roomy rather than a strip at the top: nothing is on screen yet, so this is the
+// screen, and a filer choosing the month the return covers should not be hunting for the field.
+.f9-prompt {
+  max-width: 640px;
+  margin: 48px auto;
+  padding: 28px 32px;
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 12px;
+  text-align: center;
+  box-shadow: 0 1px 3px rgb(60 64 67 / 12%);
+
+  &__title {
+    margin: 0 0 8px;
+    font-size: 19px;
+    font-weight: 600;
+    color: $gray-900;
+  }
+
+  &__sub {
+    margin: 0 0 22px;
+    font-size: 13px;
+    line-height: 1.6;
+    color: $gray-500;
+  }
+
+  &__row {
+    display: flex;
+    gap: 12px;
+    align-items: center;
+    justify-content: center;
+    flex-wrap: wrap;
+  }
+
+  &__date {
+    width: 200px;
+  }
+
+  &__hint {
+    margin: 16px 0 0;
+    font-size: 12.5px;
+    color: $primary;
+  }
+
+  &__quick {
+    display: flex;
+    gap: 8px;
+    align-items: center;
+    justify-content: center;
+    margin-top: 18px;
+    font-size: 12px;
+    color: $gray-500;
+  }
+}
+
+.f9-loading {
+  padding: 48px;
+  text-align: center;
+  color: $gray-500;
+  font-size: 13px;
+}
+
+.f9-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: #fff8e1;
+    color: $amber;
+    border: 1px solid #e0c56b;
+  }
+}
+
+.f9-caveats {
+  margin: 8px 0 0 18px;
+  padding: 0;
+}
+
+// ── Toolbar ──
+.f9-bar {
+  display: flex;
+  gap: 10px;
+  align-items: center;
+  margin-bottom: 18px;
+
+  &__date {
+    flex: 1;
+    font-size: 13px;
+    color: $primary;
+    font-weight: 500;
+  }
+}
+
+// ── The form itself ──
+.f9-sheet {
+  background: #fff;
+  border: 1px solid $gray-900;
+  padding: 20px;
+
+  &__head {
+    text-align: center;
+    border-bottom: 2px solid $gray-900;
+    padding-bottom: 12px;
+    margin-bottom: 16px;
+  }
+
+  &__title {
+    font-weight: 700;
+    font-size: 16px;
+    text-transform: uppercase;
+    color: $gray-900;
+  }
+
+  &__ref {
+    font-size: 11.5px;
+    color: $gray-500;
+    margin-top: 4px;
+  }
+
+  &__unit {
+    font-size: 11.5px;
+    color: $primary;
+    font-weight: 600;
+    margin-top: 4px;
+  }
+}
+
+// ── Reconciliation ──
+// Green when the two sides agree, red when they do not. The colour is the point: a return that
+// does not balance has something unmapped or mapped twice, and that has to be visible before
+// anyone reads a figure off the statement below.
+.f9-recon {
+  display: grid;
+  grid-template-columns: repeat(3, 1fr);
+  gap: 1px;
+  background: $gray-200;
+  border: 1px solid $green;
+  border-radius: 8px;
+  overflow: hidden;
+  margin-bottom: 18px;
+
+  &--off {
+    border-color: $red;
+  }
+
+  &__cell {
+    background: #fff;
+    padding: 12px 16px;
+    display: flex;
+    flex-direction: column;
+    gap: 2px;
+  }
+
+  &__label {
+    font-size: 10.5px;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: $gray-500;
+    font-weight: 600;
+  }
+
+  &__value {
+    font-size: 20px;
+    font-weight: 600;
+    color: $gray-900;
+    font-variant-numeric: tabular-nums;
+  }
+
+  &__sub {
+    font-size: 11px;
+    color: $gray-500;
+  }
+}
+
+.f9-neg {
+  color: $red;
+}
+
+// ── Tables ──
+.f9-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12.5px;
+  margin-bottom: 20px;
+
+  th,
+  td {
+    border: 1px solid $gray-200;
+    padding: 6px 10px;
+    vertical-align: top;
+  }
+
+  th {
+    background: $gray-50;
+    font-weight: 700;
+    font-size: 11.5px;
+    color: $gray-900;
+    border-color: $gray-900;
+    text-align: left;
+  }
+
+  &__particulars {
+    width: 72%;
+  }
+
+  &__num {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+    white-space: nowrap;
+    width: 1%;
+    min-width: 140px;
+  }
+
+  // Qualified with the element so a numeric heading is not dragged back to the left by the bare
+  // `th` rule above, which matches at the same specificity and would win on source order alone.
+  th#{&}__num {
+    text-align: right;
+  }
+}
+
+.f9-line {
+  &--unconfigured {
+    background: #fffdf8;
+  }
+
+  // Set on its own line rather than inline: it explains the figure beside it, and read as a
+  // trailing clause on the label it looks like part of the head's name.
+  &__note {
+    display: block;
+    margin-top: 3px;
+    font-size: 10.5px;
+    font-style: italic;
+    color: $amber;
+  }
+}
+
+.f9-badge {
+  display: inline-block;
+  margin-left: 8px;
+  padding: 1px 6px;
+  font-size: 9.5px;
+  font-weight: 700;
+  text-transform: uppercase;
+  letter-spacing: 0.04em;
+  color: $amber;
+  background: #fff3cd;
+  border: 1px solid #e0c56b;
+  border-radius: 3px;
+}
+
+// An account behind a head. These rows are the "specify" sheets of the RBI workbook — one row
+// per account, under its own name — so they are indented under their head rather than hidden.
+.f9-subline {
+  td {
+    padding-top: 4px;
+    padding-bottom: 4px;
+    font-size: 11.5px;
+    color: $gray-500;
+    border-bottom: none;
+  }
+
+  td:first-child {
+    padding-left: 28px;
+  }
+
+  &--excluded td {
+    background: #fffdf5;
+  }
+
+  // The line that warns the rows beneath it read the other way round. Set apart from the balances
+  // themselves, since it explains them rather than being one of them.
+  &--mirror td {
+    padding-left: 28px;
+    font-style: italic;
+    font-size: 10.5px;
+    color: $gray-500;
+    background: #fbfcfe;
+  }
+
+  &__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;
+  }
+
+  &__portion {
+    margin-left: 8px;
+    padding: 0 5px;
+    font-size: 10px;
+    font-weight: 600;
+    color: $amber;
+    background: #fff3cd;
+    border-radius: 3px;
+  }
+
+  &__excluded {
+    margin-left: 8px;
+    font-size: 10px;
+    font-weight: 600;
+    color: $amber;
+  }
+}
+
+.f9-total td {
+  font-weight: 700;
+  background: #fafafa;
+  color: $gray-900;
+}
+
+.f9-total--grand td {
+  background: #e8f0fe;
+  font-size: 13px;
+}
+
+.f9-sign {
+  margin-top: 56px;
+  text-align: right;
+
+  &__line {
+    display: inline-block;
+    border-top: 1px solid $gray-900;
+    padding-top: 6px;
+    font-size: 12px;
+    min-width: 230px;
+    text-align: center;
+  }
+}
+
+@media print {
+  .f9-noprint {
+    display: none !important;
+  }
+
+  .f9-container {
+    max-width: none;
+    padding: 0;
+  }
+
+  .f9-table thead {
+    display: table-header-group;
+  }
+
+  .f9-table tr {
+    break-inside: avoid;
+  }
+
+  // Backgrounds carry meaning here — an unmapped head is tinted, a reconciliation that fails is
+  // red — so they must survive the print engine's default of dropping them to save ink.
+  .f9-sheet,
+  .f9-table,
+  .f9-table th,
+  .f9-table td,
+  .f9-recon,
+  .f9-badge,
+  .f9-alert {
+    -webkit-print-color-adjust: exact;
+    print-color-adjust: exact;
+  }
+}

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

@@ -0,0 +1,492 @@
+/**
+ * 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, inject } from '@angular/core';
+import { FormsModule } from '@angular/forms';
+import { catchError, of } from 'rxjs';
+import * as ExcelJS from 'exceljs';
+import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
+import { RbiCircularsService } from '../rbi-circulars.service';
+import { addBanner, boxAllCells, downloadWorkbook, newWorkbook, solidFill, XL } from '../oss-workbook';
+
+/** One account behind a head — a row of the form's "specify" sheets. */
+export interface Form9Account {
+  glAccountId: number;
+  glCode: string;
+  name: string;
+  /** In thousands, as the form prints it. */
+  balance: number | null;
+  /** The same balance in rupees, which is what reconciles against the ledger. */
+  balanceInRupees?: number | null;
+  weightPercentage?: number | null;
+  liabilityClass?: string | null;
+  excluded?: 'disabled' | 'header';
+}
+
+/** One head of the return. */
+export interface Form9Line {
+  configKey: string;
+  label: string;
+  usage: 'LIABILITY' | 'ASSET' | 'MEMO';
+  configured: boolean;
+  amount: number | null;
+  amountInRupees: number | null;
+  accounts: Form9Account[];
+  /** Why a line reads as it does, where that is not obvious — a loss moved to the asset side. */
+  note?: string;
+  /**
+   * Whether the accounts below carry the opposite sign to the head.
+   *
+   * True on a figure the return carries across sides: a loss shown as a positive at item 12 is made
+   * up of balances that are negative where the ledger holds them. Without saying so, three negative
+   * rows under a positive head read as an error.
+   */
+  accountsMirrorHead?: boolean;
+}
+
+export interface Form9Reconciliation {
+  totalLiabilities: number;
+  totalAssets: number;
+  difference: number;
+  differenceInRupees: number;
+  balanced: boolean;
+}
+
+export interface Form9Return {
+  formCode: string;
+  formName: string;
+  returnCode: string;
+  statutoryReference: string;
+  frequency: string;
+  unit: string;
+  reportingDate: string;
+  monthEnd: string;
+  monthComplete: boolean;
+  note: string;
+  liabilityLines: Form9Line[];
+  assetLines: Form9Line[];
+  memoLines: Form9Line[];
+  totals: Record<string, number | null>;
+  reconciliation: Form9Reconciliation;
+  caveats: string[];
+  computable: boolean;
+}
+
+/**
+ * Form IX — the Return on Assets and Liabilities a co-operative bank files monthly, code R408.
+ *
+ * A different return from Form 9 (SLR) despite the name, and it does not share that screen's
+ * machinery: this one reports the whole balance sheet rather than one ratio, in rupees thousands
+ * rather than rupees, and its two sides have to be shown against each other.
+ *
+ * The reconciliation is on the face of the screen whether or not it holds. The filed return this
+ * was built from balanced its sides by subtracting the difference from the side that was already
+ * short and printed "DIFF ADJUSTED" — so the one thing a reviewer needed to know was the one thing
+ * the report would not say.
+ */
+@Component({
+  selector: 'mifosx-form9-return',
+  templateUrl: './form9-return.component.html',
+  styleUrls: ['./form9-return.component.scss'],
+  imports: [
+    ...STANDALONE_SHARED_IMPORTS,
+    FormsModule
+  ]
+})
+export class Form9ReturnComponent {
+  private rbiService = inject(RbiCircularsService);
+
+  data: Form9Return | null = null;
+  loading = false;
+  errorMsg = '';
+  generating = false;
+
+  /**
+   * Nothing is fetched until a date is chosen. Which month the return covers follows from that one
+   * field, and a return that opened on today's month would be a month still running — reported as
+   * though it had closed.
+   */
+  awaitingDate = true;
+
+  /** Today, as a date input formats it — also the latest date the return may be run for. */
+  readonly today = new Date().toISOString().slice(0, 10);
+
+  reportingDate = this.today;
+
+  generate(): void {
+    if (!this.reportingDate) {
+      this.errorMsg = 'Choose a reporting date first.';
+      return;
+    }
+    // A balance is summed as everything up to a date, so a future one does not fail and does not
+    // come back empty — it returns today's figures under a heading that has not happened.
+    if (this.reportingDate > this.today) {
+      this.errorMsg = `The reporting date (${this.reportingDate}) has not happened yet — today is ${this.today}.`;
+      return;
+    }
+    this.awaitingDate = false;
+    this.load();
+  }
+
+  load(): void {
+    this.loading = true;
+    this.errorMsg = '';
+    this.rbiService
+      .getForm9Return(this.reportingDate)
+      .pipe(
+        catchError((err: any) => {
+          this.errorMsg =
+            err?.error?.errors?.[0]?.defaultUserMessage ?? 'Could not compute the return from the ledger.';
+          return of(null);
+        })
+      )
+      .subscribe((res: Form9Return | null) => {
+        this.loading = false;
+        this.data = res;
+      });
+  }
+
+  /** Back to the date prompt, so a filer can run a different month. */
+  changeDate(): void {
+    this.awaitingDate = true;
+    this.data = null;
+    this.errorMsg = '';
+  }
+
+  /** The month the chosen date falls in, shown beside the picker. */
+  get chosenMonth(): string {
+    if (!this.reportingDate) {
+      return '';
+    }
+    const d = new Date(this.reportingDate + 'T00:00:00');
+    return d.toLocaleDateString('en-IN', { month: 'long', year: 'numeric' });
+  }
+
+  /** Sets the date to the end of the month it currently falls in, capped at today. */
+  setToMonthEnd(): void {
+    const d = this.reportingDate ? new Date(this.reportingDate + 'T00:00:00') : new Date();
+    const end = new Date(d.getFullYear(), d.getMonth() + 1, 0);
+    const iso = `${end.getFullYear()}-${String(end.getMonth() + 1).padStart(2, '0')}-${String(end.getDate()).padStart(2, '0')}`;
+    // Capped: the current month's end has not arrived, and the return would be refused.
+    this.reportingDate = iso > this.today ? this.today : iso;
+  }
+
+  amount(value: number | null | undefined): string {
+    if (value === null || value === undefined) {
+      return '—';
+    }
+    return value.toLocaleString('en-IN', { maximumFractionDigits: 0 });
+  }
+
+  /** Rupee figures keep their paise — they are what reconciles against the ledger. */
+  rupees(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 `${value.toFixed(2)}%`;
+  }
+
+  /** A head taking only part of an account — the figure below is not that account's balance. */
+  isPartial(account: Form9Account): boolean {
+    const weight = account.weightPercentage;
+    return weight !== null && weight !== undefined && weight < 100;
+  }
+
+  /** One of the form's stated totals. */
+  total(key: string): number | null {
+    return this.data?.totals?.[key] ?? null;
+  }
+
+  printReturn(): void {
+    window.print();
+  }
+
+  /**
+   * The return as a workbook, laid out as the RBI template is: General Information, then Liabilities
+   * and Assets, then a sheet per "specify" list, then Signatory Information.
+   *
+   * A workbook that reorganised the form would have to be read back against the screen line by line
+   * before anyone could trust it.
+   */
+  async exportWorkbook(): Promise<void> {
+    if (!this.data) {
+      return;
+    }
+    this.generating = true;
+    try {
+      const wb = newWorkbook();
+      this.addGeneralInformation(wb);
+      this.addSideSheet(wb, 'Liabilities', 'A. Liabilities in India', this.data.liabilityLines);
+      this.addSideSheet(wb, 'Assets', 'B. Assets in India', this.data.assetLines);
+      this.addSpecifySheets(wb);
+      this.addMemoSheet(wb);
+      this.addSignatorySheet(wb);
+      await downloadWorkbook(wb, `RBI_Form_IX_${this.data.reportingDate}`);
+    } finally {
+      this.generating = false;
+    }
+  }
+
+  private addGeneralInformation(wb: ExcelJS.Workbook): void {
+    const sheet = wb.addWorksheet('General Information');
+    sheet.columns = [
+      { width: 42 },
+      { width: 46 }];
+    addBanner(sheet, 'General Information', 'B');
+
+    const start = sheet.rowCount + 1;
+    this.keyValue(sheet, 'Return Name', this.data!.formName);
+    this.keyValue(sheet, 'Return Code', this.data!.returnCode);
+    this.keyValue(sheet, 'Period End Date', this.data!.reportingDate);
+    this.keyValue(sheet, 'Reporting Frequency', this.data!.frequency);
+    this.keyValue(sheet, 'Unit', this.data!.unit);
+    // Whether the return balances belongs here, at the top, not buried under the figures: a
+    // reviewer who reads it after the statement has already believed the statement.
+    this.keyValue(
+      sheet,
+      'Validation Status',
+      this.data!.reconciliation.balanced
+        ? 'Balanced'
+        : `NOT BALANCED — liabilities exceed assets by ${this.amount(this.data!.reconciliation.difference)} thousand`
+    );
+    boxAllCells(sheet, start, sheet.rowCount, 2);
+
+    if (this.data!.caveats.length) {
+      sheet.addRow([]);
+      const head = sheet.addRow(['Check before filing:']);
+      head.font = { bold: true, color: { argb: 'FFB06000' } };
+      for (const caveat of this.data!.caveats) {
+        const row = sheet.addRow([caveat]);
+        sheet.mergeCells(row.number, 1, row.number, 2);
+        row.alignment = { wrapText: true };
+        row.font = { size: 9, color: { argb: 'FFB06000' } };
+      }
+    }
+  }
+
+  private addSideSheet(wb: ExcelJS.Workbook, name: string, title: string, lines: Form9Line[]): void {
+    const sheet = wb.addWorksheet(name);
+    sheet.columns = [
+      { width: 64 },
+      { width: 20 },
+      { width: 22 }];
+    addBanner(sheet, title, 'C');
+
+    const start = sheet.rowCount + 1;
+    const head = sheet.addRow([
+      'Particulars',
+      'Rs. in Thousands',
+      'Rs. (as in ledger)'
+    ]);
+    head.font = { bold: true };
+    head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+
+    for (const line of lines) {
+      const row = sheet.addRow([
+        line.label,
+        line.configured ? line.amount : 'Not mapped',
+        line.configured ? line.amountInRupees : ''
+      ]);
+      row.getCell(1).alignment = { wrapText: true };
+      row.getCell(2).numFmt = '#,##0';
+      row.getCell(3).numFmt = '#,##0.00';
+
+      // The accounts behind the head, indented under it, so every figure traces to the ledger.
+      for (const account of line.accounts) {
+        const portion = this.isPartial(account) ? ` (${account.weightPercentage}% share)` : '';
+        const sub = sheet.addRow([
+          `    ${account.glCode} — ${account.name}${portion}${account.excluded ? ` (excluded — ${account.excluded})` : ''}`,
+          account.excluded ? 'Excluded' : account.balance,
+          account.excluded ? '' : account.balanceInRupees
+        ]);
+        sub.font = { size: 9, color: { argb: account.excluded ? 'FFB06000' : 'FF666666' } };
+        sub.getCell(2).numFmt = '#,##0';
+        sub.getCell(3).numFmt = '#,##0.00';
+      }
+    }
+
+    sheet.addRow([]);
+    const totalKey = name === 'Liabilities' ? 'totalLiabilities' : 'totalAssets';
+    const total = sheet.addRow([
+      `TOTAL ${name.toUpperCase()}`,
+      this.total(totalKey),
+      ''
+    ]);
+    total.font = { bold: true };
+    total.getCell(2).numFmt = '#,##0';
+    boxAllCells(sheet, start, sheet.rowCount, 3);
+  }
+
+  /**
+   * One sheet per "specify" list, exactly as the RBI workbook carries them.
+   *
+   * Each account mapped to the head IS a row on its sheet, under its own name — the same accounts
+   * already listed under the head on the side sheet, gathered here because the template asks for
+   * them on their own page.
+   */
+  private addSpecifySheets(wb: ExcelJS.Workbook): void {
+    const sheets: { name: string; title: string; key: string }[] = [
+      { name: 'Other Funds And Reserves', title: 'Other Funds And Reserves - Specify', key: 'FORM9_L2_G_OTHER_FUNDS' },
+      {
+        name: 'Demand Liabilities',
+        title: 'Demand Liabilities Others Borrowing From Banks - Specify',
+        key: 'FORM9_L4_C_BORROWINGS_DEMAND'
+      },
+      { name: 'Other Demand Liabilities', title: 'Other Demand Liabilities - Specify', key: 'FORM9_L4_D_OTHER_DEMAND' },
+      {
+        name: 'Time Liabilities',
+        title: 'Time Liabilities Others Borrowing From Banks - Specify',
+        key: 'FORM9_L5_C_BORROWINGS_TIME'
+      },
+      { name: 'Other Time Liabilities', title: 'Other Time Liabilities - Specify', key: 'FORM9_L5_E_OTHER_TIME' },
+      { name: 'Others Investments', title: 'Others Investments - Specify', key: 'FORM9_A4_H_OTHER_INVESTMENTS' }
+    ];
+
+    const all = [
+      ...this.data!.liabilityLines,
+      ...this.data!.assetLines
+    ];
+    for (const spec of sheets) {
+      const line = all.find((l) => l.configKey === spec.key);
+      const sheet = wb.addWorksheet(spec.name);
+      sheet.columns = [
+        { width: 8 },
+        { width: 52 },
+        { width: 20 }];
+      addBanner(sheet, spec.title, 'C');
+
+      const start = sheet.rowCount + 1;
+      const head = sheet.addRow([
+        'Sr No.',
+        'Particulars',
+        'Amount'
+      ]);
+      head.font = { bold: true };
+      head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+
+      const accounts = (line?.accounts ?? []).filter((a) => !a.excluded);
+      accounts.forEach((account, i) => {
+        const row = sheet.addRow([
+          i + 1,
+          account.name,
+          account.balance
+        ]);
+        row.getCell(3).numFmt = '#,##0';
+      });
+      // An empty sheet still prints its heading and a nil total: the template carries the sheet
+      // whether or not the bank has anything to put on it.
+      const total = sheet.addRow([
+        '',
+        'Total',
+        line?.configured ? line.amount : 0
+      ]);
+      total.font = { bold: true };
+      total.getCell(3).numFmt = '#,##0';
+      boxAllCells(sheet, start, sheet.rowCount, 3);
+    }
+  }
+
+  /** The stated splits and explanations — on the form's face, entering no total. */
+  private addMemoSheet(wb: ExcelJS.Workbook): void {
+    if (!this.data!.memoLines.length) {
+      return;
+    }
+    const sheet = wb.addWorksheet('Explanations');
+    sheet.columns = [
+      { width: 64 },
+      { width: 20 }];
+    addBanner(sheet, 'Stated splits and explanations', 'B');
+
+    const start = sheet.rowCount + 1;
+    const head = sheet.addRow([
+      'Particulars',
+      'Rs. in Thousands'
+    ]);
+    head.font = { bold: true };
+    head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+
+    for (const line of this.data!.memoLines) {
+      const row = sheet.addRow([
+        line.label,
+        line.configured ? line.amount : 'Not mapped'
+      ]);
+      row.getCell(1).alignment = { wrapText: true };
+      row.getCell(2).numFmt = '#,##0';
+    }
+    const overdue = sheet.addRow([
+      'Percentage of overdues to total loans and advances',
+      this.percent(this.total('overduePercentage'))
+    ]);
+    overdue.font = { bold: true };
+    const priority = sheet.addRow([
+      'Priority sector advances as a percentage of total loans',
+      this.percent(this.total('prioritySectorPercentage'))
+    ]);
+    priority.font = { bold: true };
+    boxAllCells(sheet, start, sheet.rowCount, 2);
+  }
+
+  /**
+   * The signatory block, left blank for signing.
+   *
+   * Deliberately not filled from anywhere: who signs a filed return and on what date is a decision
+   * the bank makes when it files, and pre-filling a name would put a signature on a form nobody had
+   * agreed to sign.
+   */
+  private addSignatorySheet(wb: ExcelJS.Workbook): void {
+    const sheet = wb.addWorksheet('Signatory Information');
+    sheet.columns = [
+      { width: 24 },
+      { width: 34 },
+      { width: 34 }];
+    addBanner(sheet, 'Signatory Information', 'C');
+
+    const start = sheet.rowCount + 1;
+    const head = sheet.addRow([
+      '',
+      'Authorised Reporting Official',
+      'Countersigned By'
+    ]);
+    head.font = { bold: true };
+    head.eachCell((c) => (c.fill = solidFill(XL.headerGrey)));
+    for (const field of [
+      'Name',
+      'Designation',
+      'e-mail ID',
+      'Tel. No. (O)',
+      'Tel. No. (R)',
+      'Place',
+      'Date'
+    ]) {
+      const row = sheet.addRow([
+        field,
+        '',
+        ''
+      ]);
+      row.getCell(1).font = { bold: true };
+      row.getCell(1).fill = solidFill(XL.keyCell);
+    }
+    boxAllCells(sheet, start, sheet.rowCount, 3);
+  }
+
+  private keyValue(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/oss-live/oss-return.base.ts

@@ -10,14 +10,7 @@ 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';
+import { addBanner, boxAllCells, downloadWorkbook, newWorkbook, solidFill, XL } from '../oss-workbook';
 
 /** One GL account behind a return line. */
 export interface OssAccount {

src/app/rbi-circulars/oss-workbook.ts

@@ -27,6 +27,17 @@ export function solidFill(argb: string): ExcelJS.Fill {
   return { type: 'pattern', pattern: 'solid', fgColor: { argb } };
 }
 
+/**
+ * The diagonal hatching RBI's templates put on a cell that is waiting to be filled in by hand.
+ *
+ * It reads differently from an empty cell, and the difference matters on a statutory form: an empty
+ * cell says nothing was reported, hatching says someone still has to report it. The templates use
+ * it on the signatory block and on the particulars a bank writes in itself.
+ */
+export function hatchFill(): ExcelJS.Fill {
+  return { type: 'pattern', pattern: 'lightUp', fgColor: { argb: 'FF808080' }, bgColor: { argb: 'FFFFFFFF' } };
+}
+
 /** Dark-blue full-width banner that heads every sheet in the RBI templates. */
 export function addBanner(sheet: ExcelJS.Worksheet, title: string, lastCol: string): void {
   const row = sheet.addRow([title]);

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

@@ -69,12 +69,24 @@ const routes: Routes = [
       loadComponent: () => import('./reserve-return/form1-crr.component').then((m) => m.Form1CrrComponent),
       data: { title: 'Form 1 — Cash Reserve Ratio', breadcrumb: 'Form 1 (CRR)' }
     },
+    // Form 9 (SLR) has no route of its own. Section 24 is settled on the statutory Form 1 at Part C,
+    // charged on the same liabilities Part B charges the cash reserve on. A second screen computing
+    // the same ratio from a month-end base disagreed with it, and both were headed Form 9 — whichever
+    // a filer read, they had no way to know the other said something else.
     {
-      // 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)' }
+      // Form IX — the Return on Assets and Liabilities, code R408, filed monthly.
+      //
+      // A DIFFERENT return from Form 9 (SLR) above despite the name. That one reports one ratio;
+      // this one reports the whole balance sheet, in rupees thousands, and its two sides must
+      // agree. Its own route rather than a tab on rbi/form9 for exactly that reason — they answer
+      // different questions and share no figures.
+      path: 'rbi/form9-return',
+      loadComponent: () => import('./form9-return/form9-return.component').then((m) => m.Form9ReturnComponent),
+      data: { title: 'Form IX — Return on Assets and Liabilities', breadcrumb: 'Form IX (R408)' }
     }
+    // The statutory Form 1 has no route of its own: it is a tab on rbi/form1. Both are Form 1 for
+    // one bank and one period, and two routes made a filer guess which held which — one could be
+    // read while the other was believed to be on screen.
   ])
 ];
 

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

@@ -71,11 +71,17 @@ export class RbiCircularsService {
    * @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> {
+  getForm1(reportingDate?: string, baseDate?: string, officeId?: number): Observable<any> {
     let params = new HttpParams();
     if (reportingDate) {
       params = params.set('reportingDate', reportingDate);
     }
+    // The base date can be given outright. The 45-day lag lands where it lands, and a bank reading
+    // an earlier fortnight — or correcting a filing — needs to name the date the base is struck at
+    // rather than work backwards from it. Left blank it is derived from the lag as before.
+    if (baseDate) {
+      params = params.set('baseDate', baseDate);
+    }
     if (officeId != null) {
       params = params.set('officeId', String(officeId));
     }
@@ -97,6 +103,44 @@ export class RbiCircularsService {
     return this.http.get('/rbireservereturn/form9', { params });
   }
 
+  /**
+   * Form 9 in the shape it is filed — the statutory statement of compliance with section 24.
+   *
+   * A different statement from `getForm9`, not a reformatting: three dated columns rather than one,
+   * and the ratio charged on the last Friday of the second preceding fortnight rather than on the
+   * month end itself.
+   */
+  getForm9Statutory(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-statutory', { params });
+  }
+
+  /**
+   * Form IX — the Return on Assets and Liabilities a co-operative bank files monthly, code R408.
+   *
+   * A different return from `getForm9` despite the name: that one reports the SLR ratio, this one
+   * reports the whole balance sheet. Every figure comes back in rupees thousands, with the rupee
+   * figure alongside it so a line can still be reconciled against the ledger.
+   *
+   * @param reportingDate yyyy-MM-dd — any date in the month; the return reports that month's end.
+   */
+  getForm9Return(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-return', { params });
+  }
+
   /**
    * OSS 1 — Return on Assets and Liabilities, computed live from the ledger.
    *
@@ -121,6 +165,50 @@ export class RbiCircularsService {
     return this.http.get('/ossreturn/oss2', { params: this.ossParams(quarterEndDate, officeId) });
   }
 
+  /**
+   * Form 1 as a co-operative bank files it — Banking Regulation (Co-operative Societies) Rules
+   * 1966, Rule 5, sections 18(1) and 24(3).
+   *
+   * A different statement from `getForm1`, not a reformatting: three columns rather than one, both
+   * ratios settled on the same liabilities, and those liabilities taken from the last Friday of the
+   * second preceding fortnight rather than a 45-day lag.
+   */
+  getForm1Statutory(
+    reportingDate?: string,
+    firstColumnDate?: string,
+    secondColumnDate?: string,
+    officeId?: number,
+    firstBaseDate?: string,
+    secondBaseDate?: string
+  ): Observable<any> {
+    let params = new HttpParams();
+    if (reportingDate) {
+      params = params.set('reportingDate', reportingDate);
+    }
+    // Both fortnight closes can be given outright. A bank filing August wants 15/08 and 31/08 on
+    // the face of the form whatever today is, and one date cannot produce a pair that spans a month
+    // boundary or skips a fortnight — which a late or corrected filing needs.
+    if (firstColumnDate) {
+      params = params.set('firstColumnDate', firstColumnDate);
+    }
+    if (secondColumnDate) {
+      params = params.set('secondColumnDate', secondColumnDate);
+    }
+    // The base each column's ratios are charged on. Left blank the rules fix it — the last Friday
+    // of that column's second preceding fortnight — so a filer only names one where the rule
+    // produces a date their ledger cannot answer, such as a period before the bank migrated.
+    if (firstBaseDate) {
+      params = params.set('firstBaseDate', firstBaseDate);
+    }
+    if (secondBaseDate) {
+      params = params.set('secondBaseDate', secondBaseDate);
+    }
+    if (officeId != null) {
+      params = params.set('officeId', String(officeId));
+    }
+    return this.http.get('/rbireservereturn/form1-statutory', { params });
+  }
+
   // ── Saved returns ──
 
   /**

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

@@ -8,9 +8,11 @@
 
 import { Component, OnInit } from '@angular/core';
 import { FormsModule } from '@angular/forms';
-import { Observable } from 'rxjs';
+import { Observable, catchError, of } from 'rxjs';
+import * as ExcelJS from 'exceljs';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
-import { ReserveReturnBase } from './reserve-return.base';
+import { addBanner, boxAllCells, downloadWorkbook, newWorkbook, solidFill, XL } from '../oss-workbook';
+import { Form1Part, Form1Statutory, ReserveReturnBase } from './reserve-return.base';
 
 /**
  * RBI Form 1 — Cash Reserve Ratio, filed twice a month.
@@ -18,11 +20,20 @@ import { ReserveReturnBase } from './reserve-return.base';
  * 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.
+ *
+ * The statutory Form 1 — the return as a co-operative bank actually files it, three dated columns
+ * with both ratios settled on one base — is a tab on this same screen rather than a page of its
+ * own. Both are Form 1 for the same bank and the same period; splitting them across two routes
+ * meant a filer had to know which URL held which, and could read one while believing they were
+ * looking at the other.
  */
 @Component({
   selector: 'mifosx-form1-crr',
   templateUrl: './reserve-return.component.html',
-  styleUrls: ['./reserve-return.component.scss'],
+  styleUrls: [
+    './reserve-return.component.scss',
+    './form1-statutory.component.scss'
+  ],
   imports: [
     ...STANDALONE_SHARED_IMPORTS,
     FormsModule
@@ -30,14 +41,107 @@ import { ReserveReturnBase } from './reserve-return.base';
 })
 export class Form1CrrComponent extends ReserveReturnBase implements OnInit {
   protected readonly exportStem = 'RBI_Form1_CRR';
-  protected readonly formCode = 'FORM_1';
+  // The statutory form's code, because that is what this screen saves and therefore what its saved
+  // list must ask for. Left as FORM_1 the list filtered on a code nothing writes any more and came
+  // back empty, which reads as "nothing has ever been saved" rather than as a mismatch.
+  protected readonly formCode = 'FORM_1_STATUTORY';
+
+  /** Returns filed before the screen moved to the statutory form, so they stay in the list. */
+  protected override readonly legacyFormCodes = ['FORM_1'];
+
+  override readonly hasStatutoryForm = true;
+  override readonly hasBaseDate = true;
+
+  /**
+   * The statutory form is the only view of Form 1.
+   *
+   * There were two: a working report charging the ratio on a 45-day lag, and the statutory form
+   * charging it on the last Friday of the second preceding fortnight. Both were headed Form 1, both
+   * were computed from the same ledger, and they disagreed — because the rules they follow differ.
+   * One screen showing two different answers to "what is our CRR position" is worse than no screen:
+   * whichever a filer read, they had no way to know the other existed and said something else. What
+   * gets filed is the statutory form, so that is what the screen shows.
+   */
+  override activeTab: 'report' | 'statutory' | 'saved' = 'statutory';
+
+  protected override fetchStatutory(): Observable<any> {
+    return this.rbiService.getForm1Statutory(
+      this.statutoryDate,
+      this.statutoryFirstColumn || undefined,
+      this.statutorySecondColumn || undefined,
+      undefined,
+      this.statutoryFirstBase || undefined,
+      this.statutorySecondBase || undefined
+    );
+  }
 
   protected fetch(reportingDate: string): Observable<any> {
-    return this.rbiService.getForm1(reportingDate);
+    return this.rbiService.getForm1(reportingDate, this.baseDate || undefined);
   }
 
   ngOnInit(): void {
-    this.load();
+    // No load() here — the screen asks for a reporting date first, because which fortnight the
+    // return covers and which base date it reads follow from that one field.
     this.loadSaved();
   }
+  /**
+   * The fortnight the chosen date falls in, shown beside the picker so a filer sees which period
+   * they are about to run. Fortnights close on the 15th and on the month end.
+   */
+  get statutoryFortnight(): string {
+    if (!this.statutoryDate) {
+      return '';
+    }
+    const d = new Date(this.statutoryDate + 'T00:00:00');
+    const first = d.getDate() <= 15;
+    const end = first ? 15 : new Date(d.getFullYear(), d.getMonth() + 1, 0).getDate();
+    const month = d.toLocaleDateString('en-IN', { month: 'short', year: 'numeric' });
+    return `${first ? 1 : 16}–${end} ${month}`;
+  }
+
+  /**
+   * Fills both columns with a whole month's fortnight closes — 15th and month end — which is the
+   * pair a filed return almost always carries.
+   */
+  fillStatutoryMonth(): void {
+    const d = this.statutoryDate ? new Date(this.statutoryDate + 'T00:00:00') : new Date();
+    const year = d.getFullYear();
+    const month = d.getMonth() + 1;
+    const monthEnd = new Date(year, month, 0).getDate();
+    this.statutoryFirstColumn = this.asDate(year, month, 15);
+    // Filling the CURRENT month would put a month end that has not arrived into the second column,
+    // and the form would be refused the moment it was run. Capped at today, so the quick fill
+    // always produces a pair that can actually be reported.
+    const filled = this.asDate(year, month, monthEnd);
+    this.statutorySecondColumn = filled > this.today ? this.today : filled;
+    this.statutoryDate = this.statutorySecondColumn;
+    // The bases follow the closes, so a quick fill leaves a complete form rather than two dates
+    // and two empty boxes the filer has to work out for themselves.
+    this.onStatutoryColumnChange('first');
+    this.onStatutoryColumnChange('second');
+  }
+
+  /** Clears both columns and the bases that follow from them. */
+  clearStatutoryColumns(): void {
+    this.statutoryFirstColumn = '';
+    this.statutorySecondColumn = '';
+    this.statutoryFirstBase = '';
+    this.statutorySecondBase = '';
+  }
+
+  private asDate(year: number, month: number, day: number): string {
+    return `${year}-${String(month).padStart(2, '0')}-${String(day).padStart(2, '0')}`;
+  }
+  /**
+   * Form 1 saves the statutory form, because that is the only Form 1 this screen shows.
+   *
+   * Saved under its own form code rather than FORM_1: a saved return is rendered from its stored
+   * snapshot, and a statutory statement filed under the working report's code would be opened by
+   * the reader built for the other shape.
+   */
+  protected override saveableReturn(): { formCode: string; reportingDate: string; report: any } | null {
+    return this.statutory
+      ? { formCode: this.statutory.formCode, reportingDate: this.statutory.reportingDate, report: this.statutory }
+      : null;
+  }
 }

src/app/rbi-circulars/reserve-return/form1-statutory.component.scss

@@ -0,0 +1,510 @@
+/**
+ * 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;
+
+.f1s-container {
+  max-width: 1180px;
+  margin: 0 auto;
+  padding: 20px 16px;
+}
+
+.f1s-loading {
+  padding: 36px;
+  text-align: center;
+  color: $gray-500;
+  font-size: 13px;
+}
+
+.f1s-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;
+  }
+}
+
+.f1s-unmet {
+  margin: 8px 0 0 18px;
+  padding: 0;
+}
+
+// ── Date prompt ──
+// Shown before anything is fetched. Centred and roomy rather than a strip at the top, because at
+// this point choosing the date is the whole of the screen's job.
+
+.f1s-prompt {
+  max-width: 640px;
+  margin: 48px auto;
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 12px;
+  padding: 32px;
+  text-align: center;
+
+  &__title {
+    margin: 0 0 6px;
+    font-size: 18px;
+    font-weight: 700;
+    color: $gray-900;
+  }
+
+  &__sub {
+    margin: 0 0 24px;
+    font-size: 12.5px;
+    color: $gray-500;
+    line-height: 1.7;
+  }
+
+  // The date pairs. Each row holds two, and the rows stack — so the closes sit directly above the
+  // bases they produce, and a filer reads down a column rather than across a wrapped line.
+  &__row {
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    gap: 12px;
+    flex-wrap: wrap;
+
+    & + & {
+      margin-top: 10px;
+    }
+
+    // The bases are filled from the closes above rather than typed, so they are set back a shade -
+    // enough to read as "these follow from those" without looking disabled, since they can be
+    // changed and sometimes must be.
+    &--derived {
+      opacity: 0.85;
+    }
+  }
+
+  &__date {
+    width: 220px;
+  }
+
+  // The button on its own line under the pairs, centred on them rather than trailing the last one.
+  &__go {
+    margin-top: 16px;
+    display: flex;
+    justify-content: center;
+  }
+
+  &__hint {
+    margin: 14px 0 0;
+    font-size: 12.5px;
+    color: $primary;
+  }
+
+  &__quick {
+    margin-top: 18px;
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    gap: 8px;
+    font-size: 12px;
+    color: $gray-500;
+
+    button {
+      font-size: 12px !important;
+      min-width: 0 !important;
+    }
+  }
+}
+
+// The strip above the sheet when the statutory form is shown as a tab: says what period is on
+// screen and offers the way back to the date prompt.
+.f1s-bar {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+  flex-wrap: wrap;
+  margin-bottom: 14px;
+
+  &__date {
+    font-size: 12.5px;
+    font-weight: 600;
+    color: $primary;
+  }
+}
+
+// ── Toolbar ──
+
+.f1s-head {
+  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;
+  }
+
+  &__ref {
+    margin: 2px 0 0;
+    font-size: 12px;
+    color: $gray-500;
+  }
+
+  &__actions {
+    display: flex;
+    align-items: center;
+    gap: 10px;
+    flex-wrap: wrap;
+
+    i {
+      margin-right: 6px;
+    }
+  }
+}
+
+.f1s-date {
+  width: 180px;
+}
+
+// ── The sheet ──
+// Bordered and squared off rather than card-like: this is a statutory return that gets printed and
+// signed, and it should read on screen as the same document that comes out of the printer.
+
+.f1s-sheet {
+  background: #fff;
+  border: 1px solid $gray-900;
+  padding: 20px;
+
+  &__head {
+    text-align: center;
+    border-bottom: 2px solid $gray-900;
+    padding-bottom: 12px;
+    margin-bottom: 16px;
+  }
+
+  &__title {
+    font-size: 15px;
+    font-weight: 700;
+    color: $gray-900;
+    text-transform: uppercase;
+  }
+
+  &__ref {
+    margin-top: 4px;
+    font-size: 12px;
+    color: $gray-500;
+  }
+}
+
+.f1s-table {
+  width: 100%;
+  border-collapse: collapse;
+  font-size: 12.5px;
+
+  th,
+  td {
+    border: 1px solid $gray-200;
+    padding: 6px 10px;
+    vertical-align: top;
+  }
+
+  th {
+    background: $gray-50;
+    font-weight: 700;
+    font-size: 11.5px;
+    color: $gray-900;
+    text-align: center;
+    border-color: $gray-900;
+  }
+
+  &__particulars {
+    text-align: left !important;
+    width: 52%;
+  }
+
+  &__num {
+    text-align: right;
+    font-variant-numeric: tabular-nums;
+    white-space: nowrap;
+  }
+
+  // A column heading is a date, not a figure, and sits centred over the column it heads. Qualified
+  // with `th` so it beats `&__num` above on specificity rather than on source order.
+  th#{&}__num {
+    text-align: center;
+  }
+
+  // The second line of a heading — what the column IS, under the date it carries. Without it the
+  // three dates read as three closes, and the base the ratios are charged on looks like one more
+  // reporting date.
+  &__colnote {
+    display: block;
+    margin-top: 2px;
+    font-weight: 400;
+    font-size: 9.5px;
+    letter-spacing: 0.02em;
+    text-transform: uppercase;
+    color: $gray-500;
+  }
+
+  // The date the column's ratios are charged on. In the heading rather than in a column of its own,
+  // so a reader sees which base produced the required amounts below without the base's balances
+  // sitting beside the closes' as though they were a third period.
+  &__colbase {
+    display: block;
+    margin-top: 1px;
+    font-weight: 400;
+    font-size: 9px;
+    letter-spacing: 0.02em;
+    color: $primary;
+  }
+}
+
+// Part banner — PART A / PART B / PART C.
+.f1s-part td {
+  background: $primary;
+  color: #fff;
+  font-weight: 700;
+  font-size: 12px;
+  letter-spacing: 0.03em;
+  border-color: $primary;
+}
+
+// Section caption inside a part, e.g. "(a) Demand Liabilities".
+.f1s-heading td {
+  background: $gray-50;
+  font-weight: 700;
+}
+
+.f1s-total td {
+  font-weight: 700;
+  background: #e8f0fe;
+}
+
+.f1s-total--result td {
+  background: #e6f4ea;
+}
+
+// A shortfall reads as one rather than as a number with a minus sign.
+.f1s-neg {
+  color: $red;
+}
+
+.f1s-subnote td {
+  font-size: 11px;
+  font-style: italic;
+  color: $gray-500;
+  background: #fffdf5;
+}
+
+// The form nests to three levels — (a), then (i), then the figure.
+.f1s-indent-1 {
+  padding-left: 26px !important;
+}
+
+.f1s-indent-2 {
+  padding-left: 46px !important;
+}
+
+.f1s-badge {
+  margin-left: 8px;
+  font-size: 10px;
+  font-weight: 600;
+  background: #fef7e0;
+  color: $amber;
+  border-radius: 20px;
+  padding: 1px 8px;
+  white-space: nowrap;
+}
+
+// ── Day by day ──
+//
+// Outside the form's own sheet, because it is not part of what gets filed: the form reports two
+// closes, and this is the working behind them.
+.f1s-daily {
+  margin-top: 24px;
+  background: #fff;
+  border: 1px solid $border;
+  border-radius: 10px;
+  padding: 18px 20px;
+
+  &__title {
+    margin: 0 0 4px;
+    font-size: 14px;
+    font-weight: 700;
+    color: $gray-900;
+  }
+
+  // A day short is a breach, and on thirty rows it is exactly what the eye skips. Said in the
+  // heading so it is read before the table rather than found in it.
+  &__flag {
+    display: inline-block;
+    margin-left: 10px;
+    padding: 2px 8px;
+    font-size: 10.5px;
+    font-weight: 700;
+    color: $red;
+    background: #fce8e6;
+    border-radius: 4px;
+  }
+
+  &__hint {
+    margin: 0 0 14px;
+    font-size: 11.5px;
+    color: $gray-500;
+  }
+
+  &__stats {
+    display: grid;
+    grid-template-columns: repeat(3, 1fr);
+    gap: 12px;
+    margin-bottom: 16px;
+  }
+
+  // The base a day was charged on. Set back because it repeats for every day of a fortnight and
+  // would otherwise compete with the figures it qualifies.
+  &__base {
+    color: $gray-500;
+    font-size: 11px;
+  }
+
+  // A day the bank's own liabilities moved. The whole point of carrying a daily figure is to find
+  // these, and on thirty rows of near-identical numbers they are invisible unless marked.
+  &__moved {
+    font-weight: 700;
+    color: $primary;
+    background: #f0f6ff;
+  }
+
+  &__table {
+    font-size: 11.5px;
+
+    th {
+      font-size: 10.5px;
+    }
+  }
+
+  &--short td {
+    background: #fff6f6;
+  }
+}
+
+.f1s-stat {
+  border: 1px solid $border;
+  border-radius: 8px;
+  padding: 10px 12px;
+  display: flex;
+  flex-direction: column;
+  gap: 2px;
+
+  &__label {
+    font-size: 10px;
+    text-transform: uppercase;
+    letter-spacing: 0.05em;
+    color: $gray-500;
+    font-weight: 600;
+  }
+
+  &__value {
+    font-size: 17px;
+    font-weight: 600;
+    color: $gray-900;
+    font-variant-numeric: tabular-nums;
+  }
+
+  &__sub {
+    font-size: 10.5px;
+    color: $gray-500;
+  }
+}
+
+.f1s-sign {
+  margin-top: 56px;
+  text-align: right;
+
+  &__line {
+    display: inline-block;
+    border-top: 1px solid $gray-900;
+    padding-top: 6px;
+    font-size: 12px;
+    font-weight: 600;
+    min-width: 220px;
+    text-align: center;
+  }
+}
+
+.f1s-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;
+}
+
+// ── Print ──
+// The browser's print dialog is also its save-as-PDF, so one stylesheet serves both. The sheet is
+// already laid out as the filed form, so printing only has to drop the controls and keep the
+// shading that carries meaning.
+@media print {
+  .f1s-noprint {
+    display: none !important;
+  }
+
+  .f1s-container {
+    max-width: none;
+    padding: 0;
+  }
+
+  .f1s-sheet {
+    border: none;
+    padding: 0;
+  }
+
+  .f1s-table thead {
+    display: table-header-group;
+  }
+
+  .f1s-table tr {
+    break-inside: avoid;
+  }
+
+  .f1s-toast {
+    display: none !important;
+  }
+
+  .f1s-container,
+  .f1s-sheet,
+  .f1s-table,
+  th,
+  td {
+    -webkit-print-color-adjust: exact;
+    print-color-adjust: exact;
+  }
+}

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

@@ -1,43 +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/.
- */
-
-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.component.html

@@ -7,7 +7,88 @@
 -->
 
 <div class="rr-container">
-  @if (loading) {
+  <!--
+    ═══ Date prompt ═══
+    Asked before anything is fetched: the return is dated, and which fortnight it covers, which
+    lagged date the base is read at and which rate is in force all follow from that one field.
+  -->
+  <!--
+    On a return whose statutory form IS the return, the working report is never fetched, so the tab
+    bar cannot live inside the `@if (data)` block below — it would never render and the statutory
+    form would have no way back to the saved list. Shown here instead, above everything.
+  -->
+  @if (hasStatutoryForm) {
+    <div class="rr-tabs rr-noprint">
+      <button class="rr-tab" [class.rr-tab--on]="activeTab === 'statutory'" (click)="showTab('statutory')">
+        <i class="fas fa-file-alt"></i> {{ statutoryTabLabel }}
+      </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>
+  }
+
+  <!--
+    The whole working-report chain below — prompt, loading, error, statement — belongs to returns
+    that have no statutory form. Gating only its first branch left the rest of the chain live, so
+    Form 1 fell through to a loading state for a fetch it never makes and sat there spinning.
+  -->
+  @if (hasStatutoryForm) {
+    <!-- Nothing: the statutory form and the saved list render further down, on their own. -->
+  } @else if (awaitingDate) {
+    <div class="f1s-prompt">
+      <h2 class="f1s-prompt__title">{{ promptTitle }}</h2>
+      <p class="f1s-prompt__sub">
+        Choose the date the return is made up to. The base is read at an earlier date than the balances maintained, and
+        the return states both on its face once it runs.
+      </p>
+
+      <!--
+        The base date is entered outright where the return has one. The 45-day lag lands where it
+        lands, and a bank reading an earlier fortnight — or correcting a filing — needs to name the
+        date rather than work backwards from it. Left blank it is derived from the lag as before.
+      -->
+      <div class="f1s-prompt__row">
+        @if (hasBaseDate) {
+          <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f1s-prompt__date">
+            <mat-label>Base date (optional)</mat-label>
+            <input matInput type="date" [max]="today" [(ngModel)]="baseDate" />
+          </mat-form-field>
+        }
+        <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f1s-prompt__date">
+          <mat-label>Reporting date</mat-label>
+          <input matInput type="date" [max]="today" [(ngModel)]="reportingDate" />
+        </mat-form-field>
+        <button mat-raised-button color="primary" (click)="generate()">Generate report</button>
+      </div>
+
+      @if (chosenFortnight) {
+        <p class="f1s-prompt__hint">
+          Fortnight: <strong>{{ chosenFortnight }}</strong>
+          @if (hasBaseDate && !baseDate) {
+            · base will be derived from the 45-day lag
+          }
+        </p>
+      }
+
+      <!-- A filed return is almost always dated to a fortnight close, so both are one click away. -->
+      <div class="f1s-prompt__quick">
+        <span>Jump to:</span>
+        <button mat-stroked-button (click)="setToFortnightClose('first')">15th</button>
+        <button mat-stroked-button (click)="setToFortnightClose('second')">Month end</button>
+        @if (hasBaseDate && baseDate) {
+          <button mat-stroked-button (click)="baseDate = ''">Clear base date</button>
+        }
+      </div>
+
+      @if (errorMsg) {
+        <div class="f1s-alert f1s-alert--error">{{ errorMsg }}</div>
+      }
+    </div>
+  } @else if (loading) {
     <div class="rr-loading">Computing from the ledger…</div>
   } @else if (errorMsg) {
     <div class="rr-alert rr-alert--error">{{ errorMsg }}</div>
@@ -27,11 +108,19 @@
       </div>
 
       <div class="rr-header__actions">
+        <!-- Both dates stay editable on the report itself, so a filer can move either without
+             going back to the prompt and losing the figures they were reading. -->
+        @if (hasBaseDate) {
+          <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rr-date">
+            <mat-label>Base date</mat-label>
+            <input matInput type="date" [max]="today" [(ngModel)]="baseDate" (change)="onDateChange()" />
+          </mat-form-field>
+        }
         <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rr-date">
           <mat-label>Reporting date</mat-label>
-          <input matInput type="date" [(ngModel)]="reportingDate" (change)="onDateChange()" />
+          <input matInput type="date" [max]="today" [(ngModel)]="reportingDate" (change)="onDateChange()" />
         </mat-form-field>
-        <button mat-stroked-button (click)="resetToToday()">Today</button>
+        <button mat-stroked-button (click)="changeDate()">Change date</button>
         <button mat-stroked-button (click)="printReturn()">
           <i class="fas fa-print"></i>
           Print
@@ -54,6 +143,10 @@
       a whole statement and a month of daily rows.
     -->
     <div class="rr-tabs rr-noprint">
+      <!-- Where the return has a statutory form, that form IS the return: showing a second,
+           differently-based statement of the same period beside it meant two screens headed Form 1
+           carrying different figures, and a filer had to know which one was fileable. The working
+           view stays for the returns that have no statutory form of their own. -->
       <button class="rr-tab" [class.rr-tab--on]="activeTab === 'report'" (click)="showTab('report')">
         <i class="fas fa-file-invoice"></i> Report
       </button>
@@ -152,12 +245,20 @@
 
       <!-- ═══ Lines ═══ -->
       <div class="rr-card">
+        <!--
+          Two dated columns rather than one "Amount" against each line's own date. The return is
+          built from figures struck at two different dates — the base at its lagged date, the
+          holdings at the reporting date — and with one column a reader cannot tell a real movement
+          from the two dates simply being different. Every line is read at both, and the line's own
+          figure is marked so it is clear which of the two the return actually uses.
+        -->
         <table class="rr-table">
           <thead>
             <tr>
               <th>Particulars</th>
-              <th>As at</th>
-              <th class="rr-table__num">Amount (INR)</th>
+              <th class="rr-table__num">{{ data.baseDate || 'Base date' }}</th>
+              <th class="rr-table__num">{{ data.currentDate || 'Reporting date' }}</th>
+              <th class="rr-table__num">Movement</th>
             </tr>
           </thead>
           <tbody>
@@ -175,10 +276,41 @@
                     <span class="rr-badge rr-badge--unmapped">Not configured</span>
                   }
                 </td>
-                <td class="rr-line__date">{{ line.asOnDate }}</td>
-                <td class="rr-table__num">
+                <!-- The cell the return's own figure comes from is tinted, so which date each line
+                     is actually computed at stays visible now that both are shown. -->
+                <td class="rr-table__num" [class.rr-cell--used]="line.asOnDate === data.baseDate">
                   @if (line.configured) {
-                    {{ amount(line.amount) }}
+                    {{
+                      amount(
+                        line.baseAmount !== undefined
+                          ? line.baseAmount
+                          : line.asOnDate === data.baseDate
+                            ? line.amount
+                            : null
+                      )
+                    }}
+                  } @else {
+                    <span class="rr-dash">—</span>
+                  }
+                </td>
+                <td class="rr-table__num" [class.rr-cell--used]="line.asOnDate === data.currentDate">
+                  @if (line.configured) {
+                    {{
+                      amount(
+                        line.currentAmount !== undefined
+                          ? line.currentAmount
+                          : line.asOnDate === data.currentDate
+                            ? line.amount
+                            : null
+                      )
+                    }}
+                  } @else {
+                    <span class="rr-dash">—</span>
+                  }
+                </td>
+                <td class="rr-table__num" [class.rr-neg]="(line.movement || 0) < 0">
+                  @if (line.movement !== undefined && line.movement !== null) {
+                    {{ amount(line.movement) }}
                   } @else {
                     <span class="rr-dash">—</span>
                   }
@@ -200,7 +332,10 @@
                        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) }}
+                        <!-- The weight is one number, but the balance it applies to differs by
+                             column. Naming only one would leave the other column's figure looking
+                             as though it did not follow from the stated share. -->
+                        {{ account.weightPercentage }}% of {{ portionOf(account) }}
                       </span>
                     }
                     <!-- Which head the portion falls under, on a liability line that carries both. -->
@@ -208,8 +343,33 @@
                       <span class="rr-subline__class">{{ account.liabilityClass | titlecase }}</span>
                     }
                   </td>
-                  <td></td>
-                  <td class="rr-table__num">{{ amount(account.balance) }}</td>
+                  <!-- The account under both dates, matching the line above it. A head that moved
+                       is only useful if the account that moved it can be seen. -->
+                  <td class="rr-table__num" [class.rr-cell--used]="line.asOnDate === data.baseDate">
+                    @if (
+                      account.baseBalance !== undefined ? account.baseBalance !== null : line.asOnDate === data.baseDate
+                    ) {
+                      {{ amount(account.baseBalance !== undefined ? account.baseBalance : account.balance) }}
+                    } @else {
+                      <span class="rr-dash">—</span>
+                    }
+                  </td>
+                  <td class="rr-table__num" [class.rr-cell--used]="line.asOnDate === data.currentDate">
+                    @if (
+                      account.currentBalance !== undefined
+                        ? account.currentBalance !== null
+                        : line.asOnDate === data.currentDate
+                    ) {
+                      {{ amount(account.currentBalance !== undefined ? account.currentBalance : account.balance) }}
+                    } @else {
+                      <span class="rr-dash">—</span>
+                    }
+                  </td>
+                  <td class="rr-table__num" [class.rr-neg]="(account.movement || 0) < 0">
+                    @if (account.movement !== undefined && account.movement !== null) {
+                      {{ amount(account.movement) }}
+                    }
+                  </td>
                 </tr>
               }
             }
@@ -219,16 +379,19 @@
                 <td>{{ data.rateType }} required ({{ data.ratePercentage }}% of NDTL)</td>
                 <td></td>
                 <td class="rr-table__num">{{ amount(data.requiredAmount) }}</td>
+                <td></td>
               </tr>
               <tr class="rr-total">
                 <td>{{ data.rateType }} maintained</td>
                 <td></td>
                 <td class="rr-table__num">{{ amount(data.maintainedAmount) }}</td>
+                <td></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>
+                <td></td>
               </tr>
             }
           </tbody>
@@ -345,6 +508,342 @@
     }
   }
 
+  <!--
+    ═══ Statutory Form 1 ═══
+    The return as a co-operative bank files it: three dated columns, Part A establishing the
+    liabilities, then Parts B and C settling the cash reserve and the liquid assets on that same
+    base. Outside the `@if (data)` block because it computes from its own date and does not depend
+    on the fortnightly return above having succeeded.
+  -->
+  @if (activeTab === 'statutory') {
+    @if (statutoryAwaitingDate) {
+      <div class="f1s-prompt">
+        <h2 class="f1s-prompt__title">{{ statutoryTitle }}</h2>
+        <p class="f1s-prompt__sub">{{ statutorySubtitle }}</p>
+
+        @if (statutoryTakesTwoColumns) {
+          <!--
+            A fortnightly return: both closes are entered outright, and both are required. A bank
+            filing August wants 15/08 and 31/08 on the face of the form whatever today is, and one
+            date cannot give a pair that spans a month boundary or skips a fortnight — which a late
+            or corrected filing needs. Deriving them silently opened the form on whatever fortnight
+            today fell in, with nothing on its face to say the dates had been guessed.
+          -->
+          <div class="f1s-prompt__row">
+            <!-- Capped at today: a close that has not happened reports today's figures under its own
+                 heading, so the picker does not offer one. -->
+            <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f1s-prompt__date">
+              <mat-label>First column</mat-label>
+              <input
+                matInput
+                type="date"
+                [max]="today"
+                [(ngModel)]="statutoryFirstColumn"
+                (ngModelChange)="onStatutoryColumnChange('first')"
+                required
+              />
+            </mat-form-field>
+            <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f1s-prompt__date">
+              <mat-label>Second column</mat-label>
+              <input
+                matInput
+                type="date"
+                [max]="today"
+                [(ngModel)]="statutorySecondColumn"
+                (ngModelChange)="onStatutoryColumnChange('second')"
+                required
+              />
+            </mat-form-field>
+          </div>
+
+          <!--
+            The base each column's ratios are charged on. Filled from the rule as soon as a close is
+            entered — the matching close one month earlier — and editable from
+            there. Shown rather than hidden because every required amount on the form is a percentage
+            of the liabilities on this date, and a requirement whose base nobody can see cannot be
+            checked. Editable because a bank that migrated part-way through has a base the rule
+            produces and the ledger cannot answer, and the ratio then reads nil against real
+            liabilities.
+          -->
+          <div class="f1s-prompt__row f1s-prompt__row--derived">
+            <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f1s-prompt__date">
+              <mat-label>Base for first column</mat-label>
+              <input matInput type="date" [max]="statutoryFirstColumn || today" [(ngModel)]="statutoryFirstBase" />
+            </mat-form-field>
+            <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f1s-prompt__date">
+              <mat-label>Base for second column</mat-label>
+              <input matInput type="date" [max]="statutorySecondColumn || today" [(ngModel)]="statutorySecondBase" />
+            </mat-form-field>
+          </div>
+
+          <!-- On its own line, under both pairs. Sharing a row with the last pair left it hanging
+               off one corner of a 2×2 grid, reading as a field's own button rather than the form's. -->
+          <div class="f1s-prompt__go">
+            <button
+              mat-raised-button
+              color="primary"
+              [disabled]="!statutoryFirstColumn || !statutorySecondColumn"
+              (click)="generateStatutory()"
+            >
+              Generate
+            </button>
+          </div>
+
+          @if (statutoryFirstColumn && statutorySecondColumn) {
+            <p class="f1s-prompt__hint">
+              Made up to <strong>{{ statutorySecondColumn }}</strong
+              >. The base dates above are the matching close one month earlier — change either
+              one if the bank files on a different base.
+            </p>
+          } @else {
+            <p class="f1s-prompt__hint">Enter both fortnight closing dates — the base dates fill in from them.</p>
+          }
+
+          <!-- A filed return almost always carries one month's two closes, so both fill in one click. -->
+          <div class="f1s-prompt__quick">
+            <span>Fill:</span>
+            <button mat-stroked-button (click)="fillStatutoryMonth()">This month's 15th &amp; month end</button>
+            @if (statutoryFirstColumn || statutorySecondColumn) {
+              <button mat-stroked-button (click)="clearStatutoryColumns()">Clear</button>
+            }
+          </div>
+        } @else {
+          <!-- A monthly return: the month settles which columns the form prints, so one date is
+               enough. Asking for two here would let a filer name a pair that is not a month. -->
+          <div class="f1s-prompt__row">
+            <mat-form-field appearance="outline" subscriptSizing="dynamic" class="f1s-prompt__date">
+              <mat-label>Reporting date</mat-label>
+              <input matInput type="date" [max]="today" [(ngModel)]="statutoryDate" required />
+            </mat-form-field>
+            <button mat-raised-button color="primary" [disabled]="!statutoryDate" (click)="generateStatutory()">
+              Generate
+            </button>
+          </div>
+          @if (statutoryDate) {
+            <p class="f1s-prompt__hint">
+              The return reports the month ending on or before <strong>{{ statutoryDate }}</strong
+              >, and charges the ratio on the matching close one month earlier.
+            </p>
+          }
+        }
+
+        @if (statutoryError) {
+          <div class="f1s-alert f1s-alert--error">{{ statutoryError }}</div>
+        }
+      </div>
+    } @else if (statutoryLoading) {
+      <div class="f1s-loading">Computing from the ledger…</div>
+    } @else if (statutoryError) {
+      <div class="f1s-alert f1s-alert--error">{{ statutoryError }}</div>
+    } @else if (statutory) {
+      <div class="f1s-bar rr-noprint">
+        <span class="f1s-bar__date">Made up to {{ statutory.reportingDate }}</span>
+        <button mat-stroked-button (click)="changeStatutoryDate()">Change date</button>
+        <!-- This is the form that gets filed, so it has to be able to leave the screen. Print and
+             Export were on the working report only, and removing that tab took them with it. -->
+        <button mat-stroked-button (click)="printReturn()">
+          <i class="fas fa-print"></i>
+          Print
+        </button>
+        <button mat-stroked-button [disabled]="saving" (click)="saveCurrent()">
+          <i class="fas fa-bookmark"></i>
+          {{ saving ? 'Saving…' : 'Save' }}
+        </button>
+        <button mat-raised-button color="primary" [disabled]="generating" (click)="exportStatutory()">
+          <i class="fas fa-file-excel"></i>
+          {{ generating ? 'Generating…' : 'Export' }}
+        </button>
+      </div>
+
+      <!-- Identified so printing can lift the form alone. window.print() on the page takes the whole
+           app shell — nav bars, tabs, toolbar — and laid the form out around them. -->
+      <div class="f1s-sheet" id="f1s-printable">
+        <div class="f1s-sheet__head">
+          <div class="f1s-sheet__title">{{ statutory.formName }}</div>
+          <div class="f1s-sheet__ref">{{ statutory.statutoryReference }}</div>
+        </div>
+
+        @if (statutory.unmetRequirements.length) {
+          <div class="f1s-alert f1s-alert--warn">
+            <strong>Check before filing.</strong>
+            <ul class="f1s-unmet">
+              @for (reason of statutory.unmetRequirements; track reason) {
+                <li>{{ reason }}</li>
+              }
+            </ul>
+          </div>
+        }
+
+        <table class="f1s-table">
+          <thead>
+            <tr>
+              <th class="f1s-table__particulars">Particulars</th>
+              <!-- Each column is a fortnight close, with the date its ratios are charged on named
+                   beneath it. The base used to be a column of its own, where its balances sat
+                   beside the closes' and read as a third period the bank was reporting rather than
+                   as the figures behind the requirement. -->
+              @for (col of statutory.columns; track col; let i = $index) {
+                <th class="f1s-table__num">
+                  {{ col }}
+                  <span class="f1s-table__colnote">fortnight close</span>
+                  @if (statutory.baseColumns?.[i]) {
+                    <span class="f1s-table__colbase">charged on {{ statutory.baseColumns[i] }}</span>
+                  }
+                </th>
+              }
+            </tr>
+          </thead>
+          <tbody>
+            @for (part of statutoryParts; track part.title) {
+              <tr class="f1s-part">
+                <td [attr.colspan]="statutory.columns.length + 1">{{ part.title }}</td>
+              </tr>
+              @for (line of part.lines; track line.label) {
+                @if (line.heading) {
+                  <tr class="f1s-heading">
+                    <td [attr.colspan]="statutory.columns.length + 1">{{ line.label }}</td>
+                  </tr>
+                } @else {
+                  <tr [class.f1s-total]="line.total">
+                    <td [class]="'f1s-indent-' + (line.indent || 0)">
+                      {{ line.label }}
+                      @if (line.configKey && line.configured === false) {
+                        <span class="f1s-badge">Not mapped</span>
+                      }
+                    </td>
+                    @for (v of line.values; track $index) {
+                      <td class="f1s-table__num">{{ amount(v) }}</td>
+                    }
+                  </tr>
+                  <!-- The base-date row carries a different date per column, and the whole
+                       requirement hangs off those dates, so they are printed rather than inferred. -->
+                  @if (line.baseDates?.length) {
+                    <tr class="f1s-subnote">
+                      <td>Base dates — the matching close one month earlier</td>
+                      @for (d of line.baseDates; track $index) {
+                        <td class="f1s-table__num">{{ d }}</td>
+                      }
+                    </tr>
+                  }
+                }
+              }
+              @if (part.surplus?.length) {
+                <tr class="f1s-total f1s-total--result">
+                  <td>Surplus / (Shortfall)</td>
+                  @for (s of part.surplus; track $index) {
+                    <td class="f1s-table__num" [class.f1s-neg]="isShort(s)">{{ amount(s) }}</td>
+                  }
+                </tr>
+              }
+            }
+          </tbody>
+        </table>
+
+        <div class="f1s-sign">
+          <div class="f1s-sign__line">AUTHORISED SIGNATORY</div>
+        </div>
+      </div>
+
+      <!--
+        ═══ Day by day ═══
+        Both ratios are reckoned over the period, not on the two closes alone — a bank that held
+        nothing for a fortnight and topped up on the close has a form whose columns pass. This is
+        the position the compliance actually turns on, and the first thing an inspector asks for.
+      -->
+      @if (statutory.daily?.days?.length) {
+        <div class="f1s-daily">
+          <h3 class="f1s-daily__title">
+            Day by day — {{ statutory.daily!.from }} to {{ statutory.daily!.to }}
+            @if (statutory.daily!.crrShortDays || statutory.daily!.slrShortDays) {
+              <span class="f1s-daily__flag">
+                @if (statutory.daily!.crrShortDays) {
+                  CRR short on {{ statutory.daily!.crrShortDays }} of {{ statutory.daily!.dayCount }} days.
+                }
+                @if (statutory.daily!.slrShortDays) {
+                  SLR short on {{ statutory.daily!.slrShortDays }} of {{ statutory.daily!.dayCount }} days.
+                }
+              </span>
+            }
+          </h3>
+          <p class="f1s-daily__hint">
+            Each day is charged on its own base, which moves at the fortnight boundary. A shortfall shows as a negative.
+          </p>
+
+          <div class="f1s-daily__stats">
+            <div class="f1s-stat">
+              <span class="f1s-stat__label">CRR average held</span>
+              <span class="f1s-stat__value">{{ amount(statutory.daily!.crrAverage) }}</span>
+              <span class="f1s-stat__sub">
+                lowest {{ amount(statutory.daily!.crrLowest) }} on {{ statutory.daily!.crrLowestOn }}
+              </span>
+            </div>
+            <div class="f1s-stat">
+              <span class="f1s-stat__label">SLR average held</span>
+              <span class="f1s-stat__value">{{ amount(statutory.daily!.slrAverage) }}</span>
+              <span class="f1s-stat__sub">
+                lowest {{ amount(statutory.daily!.slrLowest) }} on {{ statutory.daily!.slrLowestOn }}
+              </span>
+            </div>
+            <div class="f1s-stat">
+              <span class="f1s-stat__label">Days counted</span>
+              <span class="f1s-stat__value">{{ statutory.daily!.dayCount }}</span>
+              <span class="f1s-stat__sub">to {{ statutory.daily!.to }}</span>
+            </div>
+          </div>
+
+          <table class="f1s-table f1s-daily__table">
+            <thead>
+              <tr>
+                <th rowspan="2" class="f1s-table__particulars">Date</th>
+                <!-- The liabilities, before the ratios. Two of them, because they are not the same
+                     figure: the day's own move daily, the base holds still for the whole fortnight,
+                     and it is the base the requirement is charged on. Without both, a table of
+                     identical rows gives no way to see a day the bank's liabilities moved. -->
+                <th colspan="3" class="f1s-table__num">Net demand &amp; time liabilities</th>
+                <th colspan="3" class="f1s-table__num">Section 18 — CRR</th>
+                <th colspan="3" class="f1s-table__num">Section 24 — SLR</th>
+              </tr>
+              <tr>
+                <th class="f1s-table__num">On the day</th>
+                <th class="f1s-table__num">Charged on</th>
+                <th class="f1s-table__num">Base amount</th>
+                <th class="f1s-table__num">Required</th>
+                <th class="f1s-table__num">Maintained</th>
+                <th class="f1s-table__num">Surplus / (short)</th>
+                <th class="f1s-table__num">Required</th>
+                <th class="f1s-table__num">Maintained</th>
+                <th class="f1s-table__num">Surplus / (short)</th>
+              </tr>
+            </thead>
+            <tbody>
+              @for (day of statutory.daily!.days; track day.date) {
+                <tr [class.f1s-daily--short]="day.crrSurplus < 0 || day.slrSurplus < 0">
+                  <td>{{ day.date }}</td>
+                  <!-- A day the bank's own liabilities moved is marked, because that is the thing
+                       this column exists to show and on thirty near-identical rows it is exactly
+                       what the eye goes past. -->
+                  <td class="f1s-table__num" [class.f1s-daily__moved]="dailyOwnMoved(day, $index)">
+                    {{ day.ownLiabilities === undefined ? '—' : amount(day.ownLiabilities) }}
+                  </td>
+                  <td class="f1s-table__num f1s-daily__base">{{ day.baseDate }}</td>
+                  <td class="f1s-table__num f1s-daily__base">
+                    {{ day.baseLiabilities === undefined ? '—' : amount(day.baseLiabilities) }}
+                  </td>
+                  <td class="f1s-table__num">{{ amount(day.crrRequired) }}</td>
+                  <td class="f1s-table__num">{{ amount(day.crrMaintained) }}</td>
+                  <td class="f1s-table__num" [class.f1s-neg]="day.crrSurplus < 0">{{ amount(day.crrSurplus) }}</td>
+                  <td class="f1s-table__num">{{ amount(day.slrRequired) }}</td>
+                  <td class="f1s-table__num">{{ amount(day.slrMaintained) }}</td>
+                  <td class="f1s-table__num" [class.f1s-neg]="day.slrSurplus < 0">{{ amount(day.slrSurplus) }}</td>
+                </tr>
+              }
+            </tbody>
+          </table>
+        </div>
+      }
+    }
+  }
+
   <!--
     ═══ Saved returns ═══
     Outside the `@if (data)` block so the list stays reachable even when the live return cannot be
@@ -364,7 +863,10 @@
         ledger, so a figure already reported cannot change underneath it.
       </p>
 
-      @if (data?.computable) {
+      <!-- Gated on there being a return on screen at all, not on the working report specifically:
+           on Form 1 the statutory form is the return, and keying this to `data` hid the save row on
+           the very screen whose return most needs keeping. -->
+      @if (canSave) {
         <div class="rr-save-row">
           <mat-form-field appearance="outline" subscriptSizing="dynamic" class="rr-save-row__note">
             <mat-label>Note (optional)</mat-label>
@@ -452,101 +954,157 @@
           <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) }}
+        <!--
+          A statutory snapshot is a different statement from a working report — three dated columns
+          and no basis block — so it is rendered as the form it is. Through the markup below it read
+          as a return with every figure blank.
+        -->
+        @if (savedIsStatutory && savedStatutory; as saved) {
+          <div class="f1s-sheet">
+            <div class="f1s-sheet__head">
+              <div class="f1s-sheet__title">{{ saved.formName }}</div>
+              <div class="f1s-sheet__ref">{{ saved.statutoryReference }}</div>
+            </div>
+            <table class="f1s-table">
+              <thead>
+                <tr>
+                  <th class="f1s-table__particulars">Particulars</th>
+                  <!-- A snapshot saved before the base became a note rather than a column still
+                       carries three columns, so the heading is read from the snapshot itself: its
+                       third column was the base, and saying so keeps an old saved return readable. -->
+                  @for (col of saved.columns; track col; let i = $index) {
+                    <th class="f1s-table__num">
+                      {{ col }}
+                      <span class="f1s-table__colnote">
+                        {{ saved.columns.length > 2 && i === 2 ? 'base for ratios' : 'fortnight close' }}
                       </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>
+                      @if (saved.baseColumns?.[i]) {
+                        <span class="f1s-table__colbase">charged on {{ saved.baseColumns[i] }}</span>
+                      }
+                    </th>
+                  }
                 </tr>
-              }
-            }
-          </tbody>
-        </table>
+              </thead>
+              <tbody>
+                @for (part of savedStatutoryParts; track part.title) {
+                  <tr class="f1s-part">
+                    <td [attr.colspan]="saved.columns.length + 1">{{ part.title }}</td>
+                  </tr>
+                  @for (line of part.lines; track line.label) {
+                    <tr [class.f1s-total]="line.total" [class.f1s-heading]="line.heading">
+                      <td class="f1s-table__particulars" [style.padding-left.px]="12 + (line.indent || 0) * 18">
+                        {{ line.label }}
+                      </td>
+                      @for (value of line.values || []; track $index) {
+                        <td class="f1s-table__num">{{ amount(value) }}</td>
+                      }
+                    </tr>
+                  }
+                }
+              </tbody>
+            </table>
+          </div>
+        } @else {
+          <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>
 
-        @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>
+                <th>Particulars</th>
+                <th>As at</th>
+                <th class="rr-table__num">Amount (INR)</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>
+              @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>
     }

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

@@ -354,11 +354,23 @@ $red: #c5221f;
     color: $gray-900;
   }
 
-  &__num {
+  // Declared after the bare `th` and `td` rules above, and qualified with them, so a numeric
+  // header is not dragged back to the left by `th { text-align: left }` — which matches at the
+  // same specificity and would otherwise win on source order alone. A heading sitting left of the
+  // column it heads makes a table of figures read as though the columns were misaligned.
+  th#{&}__num,
+  td#{&}__num {
     text-align: right;
     font-variant-numeric: tabular-nums;
     white-space: nowrap;
   }
+
+  // Figures against their headings, not strung across the full width. Particulars take whatever is
+  // left, so the money columns stay a constant width and the eye can run down them.
+  &__num {
+    width: 1%;
+    min-width: 116px;
+  }
 }
 
 .rr-line {
@@ -454,6 +466,13 @@ $red: #c5221f;
   color: $gray-500;
 }
 
+// The cell the return's own figure is taken from. Both dates are printed on every line, so without
+// this a reader cannot tell which of the two the requirement was actually computed at.
+.rr-cell--used {
+  background: #f1f6fd;
+  font-weight: 600;
+}
+
 // ── Sections: Memorandum, Annexures, fortnight maintenance ──
 
 .rr-card--section {

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

@@ -76,6 +76,22 @@ const routes: Routes = [
           loadComponent: () =>
             import('../interest-report/interest-report.component').then((m) => m.InterestReportComponent)
         },
+        {
+          path: 'interest-posting-summary',
+          data: { title: 'Interest Posting Summary', breadcrumb: 'Interest Posting Summary' },
+          loadComponent: () =>
+            import('../interest-posting-summary/interest-posting-summary.component').then(
+              (m) => m.InterestPostingSummaryComponent
+            )
+        },
+        {
+          path: 'interest-posting',
+          data: { title: 'Interest Posting Reports', breadcrumb: 'Interest Posting Reports' },
+          loadComponent: () =>
+            import('../interest-posting-report/interest-posting-report.component').then(
+              (m) => m.InterestPostingReportComponent
+            )
+        },
         {
           path: 'dormancy',
           data: { title: 'Inactive, Dormant & DEAF', breadcrumb: 'Inactive, Dormant & DEAF' },

src/app/system/system.service.ts

@@ -421,6 +421,14 @@ export class SystemService {
     return this.http.get(`/businessdate/${dateType}`);
   }
 
+  /**
+   * @returns {Observable<{ today: string }>} The bank's "today" (yyyy-MM-dd): the business date while
+   * enable-business-date is on, the server's date while it is off. Readable by any signed-in user.
+   */
+  getBusinessToday(): Observable<{ today: string }> {
+    return this.http.get<{ today: string }>('/branchday/today');
+  }
+
   /**
    * @param {any} dateData Business Date data to be updated.
    * @returns {Observable<any>}

src/app/tasks/checker-inbox-and-tasks-tabs/pending-account/pending-account.component.html

@@ -130,103 +130,4 @@
       <p class="empty-text">There are no accounts awaiting approval at this time.</p>
     </div>
   }
-
-  <!-- Share accounts awaiting approval render here too, rather than on their own tab. Own table,
-       own per-row approve/reject/view actions - unchanged from their previous standalone screen. -->
-  <h3 class="pa-section-heading">Pending Share Accounts</h3>
-  @if (showShareData) {
-    <div class="psa-action-bar">
-      <mat-form-field appearance="outline" class="psa-search-field">
-        <mat-icon matPrefix>search</mat-icon>
-        <input
-          #shareFilterInput
-          matInput
-          placeholder="Search by account number, member or product"
-          (keyup)="applyShareFilter(shareFilterInput.value)"
-        />
-      </mat-form-field>
-    </div>
-
-    <div class="table-container">
-      <table mat-table [dataSource]="shareDataSource" class="modern-table">
-        <ng-container matColumnDef="accountNo">
-          <th mat-header-cell *matHeaderCellDef>Account No.</th>
-          <td mat-cell *matCellDef="let account" class="psa-mono">{{ account.accountNo }}</td>
-        </ng-container>
-
-        <ng-container matColumnDef="clientName">
-          <th mat-header-cell *matHeaderCellDef>Member</th>
-          <td mat-cell *matCellDef="let account">
-            {{ account.clientName }}
-            @if (account.officeName) {
-              <div class="psa-sub">{{ account.officeName }}</div>
-            }
-          </td>
-        </ng-container>
-
-        <ng-container matColumnDef="productName">
-          <th mat-header-cell *matHeaderCellDef>Product</th>
-          <td mat-cell *matCellDef="let account">{{ account.productName }}</td>
-        </ng-container>
-
-        <ng-container matColumnDef="requestedShares">
-          <th mat-header-cell *matHeaderCellDef class="ta-right">Shares</th>
-          <td mat-cell *matCellDef="let account" class="ta-right psa-num">{{ account.requestedShares }}</td>
-        </ng-container>
-
-        <ng-container matColumnDef="requestedAmount">
-          <th mat-header-cell *matHeaderCellDef class="ta-right">Amount</th>
-          <td mat-cell *matCellDef="let account" class="ta-right psa-num">
-            {{ account.requestedAmount | number: '1.2-2' }}
-          </td>
-        </ng-container>
-
-        <ng-container matColumnDef="resolution">
-          <th mat-header-cell *matHeaderCellDef>Resolution</th>
-          <td mat-cell *matCellDef="let account">
-            {{ account.resolutionNumber || '—' }}
-            @if (account.resolutionDate) {
-              <div class="psa-sub">{{ formatShareDate(account.resolutionDate) }}</div>
-            }
-          </td>
-        </ng-container>
-
-        <ng-container matColumnDef="submittedDate">
-          <th mat-header-cell *matHeaderCellDef>Submitted</th>
-          <td mat-cell *matCellDef="let account">
-            {{ formatShareDate(account.submittedDate) }}
-            @if (account.submittedByUsername) {
-              <div class="psa-sub">by {{ account.submittedByUsername }}</div>
-            }
-          </td>
-        </ng-container>
-
-        <ng-container matColumnDef="actions">
-          <th mat-header-cell *matHeaderCellDef>Actions</th>
-          <td mat-cell *matCellDef="let account">
-            <button mat-stroked-button class="psa-btn psa-btn-view" (click)="viewShareAccount(account)">
-              <fa-icon icon="eye" class="m-r-10"></fa-icon>View
-            </button>
-            <button mat-stroked-button class="psa-btn psa-btn-approve" (click)="approveShareAccount(account)">
-              <fa-icon icon="check" class="m-r-10"></fa-icon>Approve
-            </button>
-            <button mat-stroked-button class="psa-btn psa-btn-reject" (click)="rejectShareAccount(account)">
-              <fa-icon icon="ban" class="m-r-10"></fa-icon>Reject
-            </button>
-          </td>
-        </ng-container>
-
-        <tr mat-header-row *matHeaderRowDef="shareDisplayedColumns"></tr>
-        <tr mat-row *matRowDef="let row; columns: shareDisplayedColumns" class="table-row"></tr>
-      </table>
-    </div>
-  }
-
-  @if (!showShareData) {
-    <div class="empty-state">
-      <fa-icon icon="hourglass-half" class="empty-icon"></fa-icon>
-      <p class="empty-title">No pending share accounts</p>
-      <p class="empty-text">There are no share accounts awaiting approval at this time.</p>
-    </div>
-  }
 </div>

src/app/tasks/checker-inbox-and-tasks-tabs/pending-account/pending-account.component.scss

@@ -14,16 +14,6 @@ $text-muted: #64748b;
   padding: 16px 0;
 }
 
-/* Marks where the Share Account section begins below the normal-account table on this same screen. */
-.pa-section-heading {
-  margin: 28px 0 12px;
-  font-size: 15px;
-  font-weight: 700;
-  color: #0d1b2a;
-  padding-top: 16px;
-  border-top: 1px solid $border;
-}
-
 .cv-action-bar {
   display: flex;
   align-items: center;

src/app/tasks/checker-inbox-and-tasks-tabs/pending-account/pending-account.component.ts

@@ -29,24 +29,17 @@ import { MatCheckbox } from '@angular/material/checkbox';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 
 import { TasksService } from '../../tasks.service';
-import { SharesService } from 'app/shares/shares.service';
 import { SettingsService } from 'app/settings/settings.service';
 import { Dates } from 'app/core/utils/dates';
-import { DecimalPipe } from '@angular/common';
-import { ConfirmationDialogComponent } from 'app/shared/confirmation-dialog/confirmation-dialog.component';
 import { FormDialogComponent } from 'app/shared/form-dialog/form-dialog.component';
 import { FormfieldBase } from 'app/shared/form-dialog/formfield/model/formfield-base';
 import { DatepickerBase } from 'app/shared/form-dialog/formfield/model/datepicker-base';
-import { InputBase } from 'app/shared/form-dialog/formfield/model/input-base';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 
 @Component({
   selector: 'mifosx-pending-account',
   templateUrl: './pending-account.component.html',
-  styleUrls: [
-    './pending-account.component.scss',
-    '../pending-share-accounts/pending-share-accounts.component.scss'
-  ],
+  styleUrls: ['./pending-account.component.scss'],
   imports: [
     ...STANDALONE_SHARED_IMPORTS,
     FaIconComponent,
@@ -61,8 +54,7 @@ import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
     MatHeaderRow,
     MatRowDef,
     MatRow,
-    MatIcon,
-    DecimalPipe
+    MatIcon
   ]
 })
 export class PendingAccountComponent {
@@ -72,7 +64,6 @@ export class PendingAccountComponent {
   private dateUtils = inject(Dates);
   private settingsService = inject(SettingsService);
   private tasksService = inject(TasksService);
-  private sharesService = inject(SharesService);
 
   dataSource: MatTableDataSource<any>;
   selection: SelectionModel<any>;
@@ -90,26 +81,8 @@ export class PendingAccountComponent {
     'status'
   ];
 
-  /** Share accounts awaiting approval - rendered as their own section on this same screen rather
-   *  than a separate tab. Kept out of `dataSource`/`selection` (bulk-select + date-picker approve)
-   *  since a share subscription is approved/rejected one at a time against today's business date,
-   *  exactly as it always was on its own page - only where it's shown has changed. */
-  shareDataSource: MatTableDataSource<any>;
-  showShareData = false;
-
-  shareDisplayedColumns: string[] = [
-    'accountNo',
-    'clientName',
-    'productName',
-    'requestedShares',
-    'requestedAmount',
-    'resolution',
-    'submittedDate',
-    'actions'
-  ];
-
   constructor() {
-    this.route.data.subscribe((data: { pendingAccountsData: any; pendingShareAccountsData: any }) => {
+    this.route.data.subscribe((data: { pendingAccountsData: any }) => {
       // status 100 = submitted and pending approval only; exclude terminated accounts
       const items = (data.pendingAccountsData?.pageItems || []).filter(
         (a: any) => a.status?.id === 100 && !a.terminateTrue
@@ -117,10 +90,6 @@ export class PendingAccountComponent {
       this.showData = items.length > 0;
       this.dataSource = new MatTableDataSource(items);
       this.selection = new SelectionModel(true, []);
-
-      const shareItems = data.pendingShareAccountsData || [];
-      this.showShareData = shareItems.length > 0;
-      this.shareDataSource = new MatTableDataSource(shareItems);
     });
   }
 
@@ -314,92 +283,6 @@ export class PendingAccountComponent {
     return date;
   }
 
-  applyShareFilter(filterValue: string = '') {
-    this.shareDataSource.filter = filterValue.trim().toLowerCase();
-  }
-
-  /** A date from the share account API rendered readably, whether it arrives as a string or as
-   *  Fineract's {@code [yyyy, m, d]} array. Kept separate from `formatDate()` above, which the
-   *  normal-account table already relies on with its own date-array handling. */
-  formatShareDate(date: any): string {
-    if (!date) {
-      return '';
-    }
-    const d = Array.isArray(date) ? new Date(date[0], date[1] - 1, date[2]) : new Date(date);
-    return isNaN(d.getTime()) ? String(date) : d.toLocaleDateString('en-IN');
-  }
-
-  /** Opens the share account itself, for a checker who wants more than the row shows. */
-  viewShareAccount(account: any): void {
-    this.router.navigate([
-      '/clients',
-      account.clientId,
-      'shares-accounts',
-      account.shareAccountId
-    ]);
-  }
-
-  approveShareAccount(account: any): void {
-    const dialogRef = this.dialog.open(ConfirmationDialogComponent, {
-      data: {
-        heading: 'Approve Share Account',
-        dialogContext:
-          `Approve share account "${account.accountNo}" for ${account.clientName} — ` +
-          `${account.requestedShares} shares at ${account.requestedAmount}?`,
-        type: 'basic'
-      }
-    });
-    dialogRef.afterClosed().subscribe((response: any) => {
-      if (response?.confirm) {
-        // The approval date is the business date rather than the checker's choice, same as this
-        // queue's original standalone screen: clearing a submission is a decision, not a backdated
-        // transaction, so a date field per row would be extra clicks for no benefit.
-        const data = {
-          approvedDate: this.dateUtils.formatDate(this.settingsService.businessDate, this.settingsService.dateFormat),
-          dateFormat: this.settingsService.dateFormat,
-          locale: this.settingsService.language.code
-        };
-        this.sharesService
-          .executeSharesAccountCommand(account.shareAccountId, 'approve', data)
-          .subscribe(() => this.reload());
-      }
-    });
-  }
-
-  rejectShareAccount(account: any): void {
-    const formfields: FormfieldBase[] = [
-      new InputBase({
-        controlName: 'rejectReason',
-        label: 'Reason for rejection',
-        value: '',
-        type: 'text',
-        required: false
-      })
-    ];
-    const dialogRef = this.dialog.open(FormDialogComponent, {
-      data: {
-        title: `Reject Share Account ${account.accountNo}`,
-        formfields
-      }
-    });
-    dialogRef.afterClosed().subscribe((response: any) => {
-      if (response?.data) {
-        const data: any = {
-          rejectedDate: this.dateUtils.formatDate(this.settingsService.businessDate, this.settingsService.dateFormat),
-          dateFormat: this.settingsService.dateFormat,
-          locale: this.settingsService.language.code
-        };
-        const reason = response.data.value?.rejectReason?.trim();
-        if (reason) {
-          data.note = reason;
-        }
-        this.sharesService
-          .executeSharesAccountCommand(account.shareAccountId, 'reject', data)
-          .subscribe(() => this.reload());
-      }
-    });
-  }
-
   reload() {
     const url = this.router.url;
     this.router

src/app/tasks/checker-inbox-and-tasks-tabs/pending-savings-products/product-edit-diff-dialog/product-edit-diff-dialog.component.ts

@@ -52,16 +52,29 @@ export class ProductEditDiffDialogComponent implements OnInit {
   productName = '';
   rows: DiffRow[] = [];
 
-  /** Request plumbing the edit form has to send, but which isn't a product setting a checker reviews. */
+  /** Request plumbing the edit form has to send, but which isn't a product setting a checker reviews.
+   *  otherGlMappings is here too -- it is a nested {assets,liabilities,expenses,income} document, not
+   *  a scalar, so it is handled separately by namedGlMappingRows() rather than the generic loop below
+   *  (which would otherwise dump it as a raw, unreadable JSON blob). */
   private static readonly IGNORED_KEYS = new Set([
     'locale',
     'dateFormat',
     'monthDayFormat',
     'id',
     'productId',
-    'savingsProductId'
+    'savingsProductId',
+    'otherGlMappings'
   ]);
 
+  /** The two reserved otherGlMappings entries a checker actually needs to see by name -- see
+   *  AccountingProcessorHelper.SAVINGS_INTEREST_PAYABLE_MAPPING / SAVINGS_INTEREST_PAID_MAPPING. Any
+   *  other entry in the assets/liabilities/expenses/income lists is a free-form "Other" row with no
+   *  fixed identity to diff against by name, so those are left out of this dialog same as before. */
+  private static readonly NAMED_GL_MAPPINGS = [
+    'Savings Interest Payable',
+    'Savings Interest Paid'
+  ];
+
   /**
    * Payload fields the stored product exposes under a different path, so the "current" side has
    * something to compare against instead of always reading as newly set.
@@ -115,6 +128,9 @@ export class ProductEditDiffDialogComponent implements OnInit {
   };
 
   private glAccountNamesById = new Map<string, string>();
+  /** Same pool as glAccountNamesById, keyed by GL code instead of id -- otherGlMappings entries (see
+   *  namedGlMappingRows) identify an account by its code, not its id. */
+  private glAccountNamesByCode = new Map<string, string>();
 
   ngOnInit(): void {
     this.productName = this.data.productName ?? '';
@@ -131,10 +147,11 @@ export class ProductEditDiffDialogComponent implements OnInit {
         original: this.displayValue(originalValue, key, original),
         proposed: this.displayValue(proposed[key], key, original)
       }))
+      .concat(this.namedGlMappingRows(original, proposed))
       .sort((a, b) => a.label.localeCompare(b.label));
   }
 
-  /** Pools every GL account the template offers so an account id can be shown as its name. */
+  /** Pools every GL account the template offers so an account id/code can be shown as its name. */
   private buildGlAccountLookup(template: any): void {
     const optionGroups = template?.accountingMappingOptions ?? {};
     for (const group of Object.values<any>(optionGroups)) {
@@ -146,13 +163,68 @@ export class ProductEditDiffDialogComponent implements OnInit {
           continue;
         }
         const label = account.name ?? account.glCode ?? null;
-        if (label) {
-          this.glAccountNamesById.set(String(account.id), account.glCode ? `${label} (${account.glCode})` : label);
+        if (!label) {
+          continue;
+        }
+        const display = account.glCode ? `${label} (${account.glCode})` : label;
+        this.glAccountNamesById.set(String(account.id), display);
+        if (account.glCode) {
+          this.glAccountNamesByCode.set(String(account.glCode), display);
         }
       }
     }
   }
 
+  /**
+   * Diffs the two reserved otherGlMappings entries by name across every category (assets/liabilities/
+   * expenses/income) rather than the generic key loop above, since otherGlMappings is a nested
+   * {assets,liabilities,expenses,income} document whose entries move category if the maker changes
+   * which account type they picked -- comparing category-by-category would miss that. `original`
+   * carries this document as otherGlMappingsMap (falling back to the older otherGlMappings key for a
+   * template response that hasn't been re-fetched since), `proposed` as otherGlMappings.
+   */
+  private namedGlMappingRows(original: any, proposed: any): DiffRow[] {
+    const proposedOther = proposed?.otherGlMappings;
+    if (proposedOther === undefined) {
+      // Not part of this edit at all -- nothing to compare, same as any other field the maker didn't touch.
+      return [];
+    }
+    const originalOther = original?.otherGlMappingsMap ?? original?.otherGlMappings;
+
+    const findByName = (doc: any, accountName: string): { glCode?: string } | null => {
+      const categories: any[] = doc ? Object.values(doc) : [];
+      for (const category of categories) {
+        if (!Array.isArray(category)) {
+          continue;
+        }
+        const match = category.find((entry: any) => entry?.accountName === accountName);
+        if (match) {
+          return match;
+        }
+      }
+      return null;
+    };
+
+    const resolve = (entry: { glCode?: string } | null): string => {
+      if (!entry?.glCode) {
+        return '—';
+      }
+      return this.glAccountNamesByCode.get(String(entry.glCode)) ?? entry.glCode;
+    };
+
+    return ProductEditDiffDialogComponent.NAMED_GL_MAPPINGS.map((accountName) => {
+      const before = findByName(originalOther, accountName);
+      const after = findByName(proposedOther, accountName);
+      return { accountName, before, after };
+    })
+      .filter(({ before, after }) => (before?.glCode ?? null) !== (after?.glCode ?? null))
+      .map(({ accountName, before, after }) => ({
+        label: accountName,
+        original: resolve(before),
+        proposed: resolve(after)
+      }));
+  }
+
   /** Reads the current value for a payload field, following an alias or GL mapping when needed. */
   private originalValueFor(key: string, original: any): any {
     const glMappingKey = ProductEditDiffDialogComponent.GL_FIELD_TO_MAPPING[key];

src/app/tasks/checker-inbox-and-tasks/checker-inbox-and-tasks.component.html

@@ -72,6 +72,15 @@
       <fa-icon icon="hourglass-half" class="ac-tab__ic"></fa-icon>
       <span>Pending Account</span>
     </a>
+    <a
+      class="ac-tab"
+      routerLink="./pending-share-accounts"
+      routerLinkActive="ac-tab--active"
+      *mifosxHasPermission="'ALL_FUNCTIONS_READ'"
+    >
+      <fa-icon icon="hourglass-half" class="ac-tab__ic"></fa-icon>
+      <span>Pending Share Accounts</span>
+    </a>
     <a
       class="ac-tab"
       routerLink="./product-approval"

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

@@ -108,10 +108,7 @@ const routes: Routes = [
           component: PendingAccountComponent,
           data: { title: 'Pending Account' },
           resolve: {
-            pendingAccountsData: GetPendingAccounts,
-            // Share accounts awaiting approval now render inside this same screen instead of their
-            // own tab - reuses the same resolver the standalone route below still uses.
-            pendingShareAccountsData: GetPendingShareAccounts
+            pendingAccountsData: GetPendingAccounts
           }
         },
         {

src/app/tds-reports/tds-interest-export.spec.ts

@@ -0,0 +1,138 @@
+/**
+ * @jest-environment-options {"customExportConditions": ["node", "node-addons"]}
+ */
+/**
+ * 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 { installTdsConfigFixture } from '../letter-mgmt/certificates/form-15gh/tds-config.fixture';
+import { buildTdsInterestWorkbook } from './tds-interest-export';
+import { TdsDeductee, setTdsDeductees } from './tds-reports-data';
+import { tdsInterestRows, tdsInterestSummary } from './tds-reports.compute';
+
+installTdsConfigFixture();
+
+const FY = '2025-26';
+const Q = ['2025-06-30', '2025-09-30', '2025-12-31', '2026-03-31'];
+
+const BOOK: TdsDeductee[] = [
+  {
+    clientId: 1,
+    customerId: 'C1',
+    name: 'Ramesh',
+    pan: 'ABCPR1234K',
+    dob: '1980-05-01',
+    branchCode: 'Head Office',
+    declarations: {},
+    accounts: [
+      {
+        id: 11,
+        accountNo: 'FD11',
+        depositTypeCode: 'depositAccountType.fixedDeposit',
+        clientId: 1,
+        credits: Q.map((date) => ({ date, amount: 15_000 })),
+        deductions: [{ date: Q[3], amount: 6_000 }]
+      },
+      {
+        id: 12,
+        accountNo: 'SB12',
+        depositTypeCode: 'depositAccountType.savingsDeposit',
+        clientId: 1,
+        credits: [{ date: Q[1], amount: 1_200 }],
+        deductions: []
+      }
+    ]
+  },
+  {
+    clientId: 4,
+    customerId: 'C4',
+    name: 'Kamala',
+    pan: 'ABCPK9012M',
+    dob: '1979-07-07',
+    branchCode: 'bhopal',
+    declarations: { [FY]: { kind: '15G', acceptedOn: '2025-10-15', fy: FY, uin: 'UIN0001' } },
+    accounts: [
+      {
+        id: 41,
+        accountNo: 'FD41',
+        depositTypeCode: 'depositAccountType.fixedDeposit',
+        clientId: 4,
+        credits: Q.map((date) => ({ date, amount: 20_000 })),
+        deductions: []
+      }
+    ]
+  }
+];
+
+function build() {
+  setTdsDeductees(BOOK);
+  const filter = {
+    fy: FY,
+    branchCode: '',
+    quarter: 0 as const,
+    band: '' as const,
+    search: '',
+    crossedOnly: false,
+    nearThresholdOnly: false
+  };
+  const rows = tdsInterestRows(filter);
+  return buildTdsInterestWorkbook({
+    fy: FY,
+    scopeLabel: 'All branches',
+    rules: { general: 50_000, senior: 100_000, rate: 10, rateNoPan: 20 },
+    statement: 'Form 26Q',
+    rows,
+    declaredRows: rows.filter((r) => r.hasDeclaration),
+    summary: tdsInterestSummary(filter),
+    statusOf: () => ({ label: 'status' })
+  });
+}
+
+describe('TDS register workbook', () => {
+  it('has the four sheets a reader expects, in order', () => {
+    expect(build().worksheets.map((w) => w.name)).toEqual(['Summary', 'Customers', 'Accounts', 'Form 121 given']);
+  });
+
+  it('lists one row per customer, with the figures as numbers and a live total', () => {
+    const ws = build().getWorksheet('Customers')!;
+    expect(ws.getRow(3).getCell(2).value).toBe('Customer name');
+    const at = [4, 5].find((n) => ws.getRow(n).getCell(2).value === 'Ramesh')!;
+    const ramesh = ws.getRow(at);
+    expect(ramesh.getCell(2).value).toBe('Ramesh');
+    expect(ramesh.getCell(7).value).toBe(60_000);
+    expect(ramesh.getCell(7).numFmt).toContain('#,##0.00');
+    expect(ramesh.getCell(11).value).toBe(6_000);
+    expect(ramesh.getCell(12).value).toBe(6_000);
+    expect(ramesh.getCell(13).value).toEqual({ formula: `K${at}-L${at}` });
+    const total = ws.getRow(6);
+    expect(total.getCell(2).value).toBe('Total');
+    expect(total.getCell(7).value).toEqual({ formula: 'SUM(G4:G5)' });
+  });
+
+  it('lists every account behind the figures, saying which ones count', () => {
+    const ws = build().getWorksheet('Accounts')!;
+    const byAccount = new Map([4, 5, 6].map((n) => [ws.getRow(n).getCell(4).value, ws.getRow(n)]));
+    expect([...byAccount.keys()].sort()).toEqual(['FD11', 'FD41', 'SB12']);
+    expect(byAccount.get('SB12')!.getCell(6).value).toBe('No');
+    expect(byAccount.get('FD11')!.getCell(6).value).toBe('Yes');
+    expect(byAccount.get('FD11')!.getCell(10).value).toBeInstanceOf(Date);
+  });
+
+  it('puts the declarants on their own sheet with the TDS the form saved', () => {
+    const ws = build().getWorksheet('Form 121 given')!;
+    const kamala = ws.getRow(4);
+    expect(kamala.getCell(2).value).toBe('Kamala');
+    expect(kamala.getCell(7).value).toBe('UIN0001');
+    expect(kamala.getCell(10).value).toBe(40_000);
+    expect(kamala.getCell(11).value).toBe(4_000);
+  });
+
+  it('writes a file Excel can open', async () => {
+    const buffer = await build().xlsx.writeBuffer();
+    expect(buffer.byteLength).toBeGreaterThan(5_000);
+  });
+});

src/app/tds-reports/tds-interest-export.ts

@@ -0,0 +1,379 @@
+/**
+ * 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 * as ExcelJS from 'exceljs';
+
+import { TdsAccountLine, TdsInterestRow, TdsInterestSummary } from './tds-reports.compute';
+
+/** What the workbook needs from the screen, so it prints exactly what the user is looking at. */
+export interface TdsExportInput {
+  fy: string;
+  scopeLabel: string;
+  /** The financial-year rules, from Organization › TDS Configuration. */
+  rules: { general: number; senior: number; rate: number; rateNoPan: number } | null;
+  /** The quarterly return the declarants' gross-paid interest is reported in. */
+  statement: string;
+  rows: TdsInterestRow[];
+  declaredRows: TdsInterestRow[];
+  summary: TdsInterestSummary;
+  statusOf: (row: TdsInterestRow) => { label: string };
+}
+
+const MONEY = '"₹"#,##0.00';
+const DATE = 'dd-mmm-yyyy';
+const NAVY = 'FF1F4E79';
+const STRIPE = 'FFF3F6FA';
+const LINE = 'FFD0D7E2';
+const GREEN = 'FF15803D';
+const AMBER = 'FFB45309';
+
+const ACCOUNT_TYPE: Record<TdsAccountLine['type'], string> = {
+  FD: 'Fixed deposit',
+  RD: 'Recurring deposit',
+  SB: 'Savings',
+  OTHER: 'Other'
+};
+
+/** A column: its heading, width and, for figures, the cell format. */
+interface Col {
+  header: string;
+  width: number;
+  fmt?: string;
+  /** Totalled in the closing row. */
+  sum?: boolean;
+}
+
+/**
+ * The Deposit Interest & TDS register as a workbook a branch can read without the screen beside it:
+ * a one-page summary, one row per customer, one row per account, and the declarants on their own.
+ */
+export function buildTdsInterestWorkbook(input: TdsExportInput): ExcelJS.Workbook {
+  const wb = new ExcelJS.Workbook();
+  wb.creator = 'CBS Nexora';
+  wb.created = new Date();
+
+  summarySheet(wb, input);
+  customersSheet(wb, input);
+  accountsSheet(wb, input);
+  declarationsSheet(wb, input);
+  return wb;
+}
+
+// ─────────────────────────────── Sheets ───────────────────────────────
+
+function summarySheet(wb: ExcelJS.Workbook, input: TdsExportInput): void {
+  const ws = wb.addWorksheet('Summary', { views: [{ showGridLines: false }] });
+  ws.columns = [
+    { width: 46 },
+    { width: 22 }
+  ];
+  title(ws, `Deposit Interest & TDS — FY ${input.fy}`, 2);
+  ws.addRow([`Branch: ${input.scopeLabel}`]);
+  ws.addRow([`Prepared on: ${new Date().toLocaleDateString('en-IN', { day: '2-digit', month: 'short', year: 'numeric' })}`]);
+  ws.getRow(2).font = { color: { argb: 'FF555555' } };
+  ws.getRow(3).font = { color: { argb: 'FF555555' } };
+  ws.addRow([]);
+
+  const s = input.summary;
+  section(ws, 'Key figures');
+  const figures: [string, number, string?][] = [
+    ['Customers in this report', s.deductees],
+    ['  of whom have an FD / RD being tracked', s.trackedCustomers],
+    ['FD / RD interest received this year', s.applicableInterest, MONEY],
+    ['Savings interest (shown only — no TDS)', s.exemptInterest, MONEY],
+    ['Customers over the TDS limit', s.crossed],
+    ['TDS due by the rules', s.totalTds, MONEY],
+    ['TDS actually deducted from accounts', s.actualTds, MONEY],
+    ['Difference (due − deducted) — should be 0', s.totalTds - s.actualTds, MONEY],
+    ['Customers with Form 121 / 15G / 15H', s.declarations],
+    ['TDS not deducted because of those forms', s.tdsSaved, MONEY],
+    ['Interest paid without TDS (report in the return)', s.paidWithoutDeduction, MONEY]
+  ];
+  for (const [label, value, fmt] of figures) {
+    const r = ws.addRow([label, value]);
+    r.getCell(2).numFmt = fmt ?? '#,##0';
+    r.getCell(2).alignment = { horizontal: 'right' };
+    boxRow(r, 2);
+  }
+  // The control figure stands out when it is not zero.
+  const diffRow = ws.getRow(ws.rowCount - 3);
+  if (Math.round(s.totalTds - s.actualTds) !== 0) {
+    diffRow.font = { bold: true, color: { argb: AMBER } };
+  }
+  ws.addRow([]);
+
+  if (input.rules) {
+    section(ws, 'Rules for this year');
+    const rules: [string, string][] = [
+      ['TDS limit — below 60', rupees(input.rules.general)],
+      ['TDS limit — senior citizen (60+)', rupees(input.rules.senior)],
+      ['Rate with PAN', `${input.rules.rate}%`],
+      ['Rate without PAN', `${input.rules.rateNoPan}%`]
+    ];
+    for (const [label, value] of rules) {
+      const r = ws.addRow([label, value]);
+      r.getCell(2).alignment = { horizontal: 'right' };
+      boxRow(r, 2);
+    }
+    ws.addRow([]);
+  }
+
+  section(ws, 'How to read this workbook');
+  const notes = [
+    'Only interest from fixed and recurring deposits counts toward the limit — on the day it reaches savings, or when paid out at closure.',
+    "A savings account's own interest is shown for information and never attracts TDS.",
+    "Once a customer's interest for the year crosses the limit, TDS is due on the whole year's interest, not only the excess.",
+    'A Form 121 / 15G / 15H stops TDS on interest received after the form was accepted.',
+    'Sheet "Customers": one row per customer. Sheet "Accounts": every account behind those figures.',
+    'Sheet "Form 121 given": customers with a declaration, and the TDS the form saved them.'
+  ];
+  for (const n of notes) {
+    const r = ws.addRow([`•  ${n}`]);
+    ws.mergeCells(r.number, 1, r.number, 2);
+    r.alignment = { wrapText: true, vertical: 'top' };
+    r.height = 30;
+  }
+}
+
+function customersSheet(wb: ExcelJS.Workbook, input: TdsExportInput): void {
+  const cols: Col[] = [
+    { header: 'S.No', width: 6 },
+    { header: 'Customer name', width: 26 },
+    { header: 'Customer ID', width: 13 },
+    { header: 'PAN', width: 13 },
+    { header: 'Branch', width: 14 },
+    { header: 'Age group', width: 12 },
+    { header: 'FD/RD interest received (₹)', width: 16, fmt: MONEY, sum: true },
+    { header: 'TDS limit (₹)', width: 13, fmt: MONEY },
+    { header: 'Over the limit?', width: 10 },
+    { header: 'Rate', width: 7 },
+    { header: 'TDS due (₹)', width: 13, fmt: MONEY, sum: true },
+    { header: 'TDS deducted (₹)', width: 13, fmt: MONEY, sum: true },
+    { header: 'Difference (₹)', width: 13, fmt: MONEY, sum: true },
+    { header: 'Form 121 given?', width: 10 },
+    { header: 'Status', width: 42 }
+  ];
+  const ws = table(wb, 'Customers', `Customers — FY ${input.fy} · ${input.scopeLabel}`, cols);
+
+  input.rows.forEach((r, i) => {
+    const line = ws.addRow([
+      i + 1,
+      r.deductee.name,
+      r.deductee.customerId,
+      r.deductee.pan || 'Not on record',
+      r.branchCode,
+      r.band === 'SENIOR' ? 'Senior (60+)' : 'Below 60',
+      r.tdsApplicableInterest,
+      r.threshold,
+      r.crossed ? 'Yes' : 'No',
+      `${Math.round(r.rateApplied * 100)}%`,
+      r.schedule.totalTds,
+      r.actualTds,
+      null,
+      r.hasDeclaration ? 'Yes' : 'No',
+      input.statusOf(r).label
+    ]);
+    // Due − deducted as a formula, so an edited figure keeps the check honest.
+    line.getCell(13).value = { formula: `K${line.number}-L${line.number}` };
+    styleDataRow(line, cols, i);
+    if (!r.deductee.pan) {
+      line.getCell(4).font = { color: { argb: AMBER } };
+    }
+    if (r.crossed) {
+      line.getCell(9).font = { bold: true, color: { argb: AMBER } };
+    }
+    if (Math.round(r.schedule.totalTds - r.actualTds) !== 0) {
+      line.getCell(13).font = { bold: true, color: { argb: AMBER } };
+    }
+  });
+  totals(ws, cols, input.rows.length);
+}
+
+function accountsSheet(wb: ExcelJS.Workbook, input: TdsExportInput): void {
+  const cols: Col[] = [
+    { header: 'S.No', width: 6 },
+    { header: 'Customer name', width: 26 },
+    { header: 'Customer ID', width: 13 },
+    { header: 'Account no.', width: 19 },
+    { header: 'Account type', width: 17 },
+    { header: 'Counted for TDS?', width: 10 },
+    { header: 'Why', width: 46 },
+    { header: 'Interest this year (₹)', width: 15, fmt: MONEY, sum: true },
+    { header: 'Credits', width: 8 },
+    { header: 'Last credited', width: 13, fmt: DATE },
+    { header: 'TDS deducted (₹)', width: 13, fmt: MONEY, sum: true },
+    { header: 'Account held by', width: 22 }
+  ];
+  const ws = table(wb, 'Accounts', `Accounts — FY ${input.fy} · ${input.scopeLabel}`, cols);
+
+  let n = 0;
+  for (const r of input.rows) {
+    for (const a of r.accounts) {
+      const line = ws.addRow([
+        n + 1,
+        r.deductee.name,
+        r.deductee.customerId,
+        a.accountNo,
+        ACCOUNT_TYPE[a.type],
+        a.tracked ? 'Yes' : 'No',
+        a.reason,
+        a.interest,
+        a.postings,
+        a.lastPostedOn ? isoToDate(a.lastPostedOn) : '—',
+        a.tdsDeducted,
+        a.holderName ?? 'Same customer'
+      ]);
+      styleDataRow(line, cols, n);
+      if (a.tracked) {
+        line.getCell(6).font = { bold: true, color: { argb: GREEN } };
+      }
+      n++;
+    }
+  }
+  totals(ws, cols, n);
+}
+
+function declarationsSheet(wb: ExcelJS.Workbook, input: TdsExportInput): void {
+  const cols: Col[] = [
+    { header: 'S.No', width: 6 },
+    { header: 'Customer name', width: 26 },
+    { header: 'Customer ID', width: 13 },
+    { header: 'PAN', width: 13 },
+    { header: 'Branch', width: 14 },
+    { header: 'Form', width: 10 },
+    { header: 'UIN', width: 18 },
+    { header: 'Accepted on', width: 13, fmt: DATE },
+    { header: 'FD/RD interest received (₹)', width: 16, fmt: MONEY, sum: true },
+    { header: `Paid without TDS — report in ${input.statement} (₹)`, width: 20, fmt: MONEY, sum: true },
+    { header: 'TDS not deducted because of the form (₹)', width: 18, fmt: MONEY, sum: true },
+    { header: 'TDS deducted before the form (₹)', width: 16, fmt: MONEY, sum: true }
+  ];
+  const ws = table(wb, 'Form 121 given', `Customers with Form 121 / 15G / 15H — FY ${input.fy} · ${input.scopeLabel}`, cols);
+
+  input.declaredRows.forEach((r, i) => {
+    const line = ws.addRow([
+      i + 1,
+      r.deductee.name,
+      r.deductee.customerId,
+      r.deductee.pan || 'Not on record',
+      r.branchCode,
+      `Form ${r.form}`,
+      r.declarationUin ?? 'Not allotted',
+      r.declarationAcceptedOn ? isoToDate(r.declarationAcceptedOn) : '—',
+      r.tdsApplicableInterest,
+      r.paidWithoutDeduction,
+      r.tdsSaved,
+      r.actualTds
+    ]);
+    styleDataRow(line, cols, i);
+    if (!r.declarationUin) {
+      line.getCell(7).font = { color: { argb: AMBER } };
+    }
+  });
+  if (input.declaredRows.length === 0) {
+    const r = ws.addRow(['', 'No customer has a declaration on record for this year.']);
+    r.font = { italic: true, color: { argb: 'FF777777' } };
+  } else {
+    totals(ws, cols, input.declaredRows.length);
+  }
+}
+
+// ─────────────────────────────── Styling ───────────────────────────────
+
+/** A sheet with a title, a styled header row, frozen headings and a filter. */
+function table(wb: ExcelJS.Workbook, name: string, heading: string, cols: Col[]): ExcelJS.Worksheet {
+  const ws = wb.addWorksheet(name, { views: [{ state: 'frozen', ySplit: 3, showGridLines: false }] });
+  ws.columns = cols.map((c) => ({ width: c.width }));
+  title(ws, heading, cols.length);
+  ws.addRow([]);
+  const head = ws.addRow(cols.map((c) => c.header));
+  head.height = 34;
+  head.eachCell((cell) => {
+    cell.font = { bold: true, color: { argb: 'FFFFFFFF' } };
+    cell.fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: NAVY } };
+    cell.alignment = { vertical: 'middle', horizontal: 'center', wrapText: true };
+    cell.border = border();
+  });
+  ws.autoFilter = { from: { row: 3, column: 1 }, to: { row: 3, column: cols.length } };
+  return ws;
+}
+
+function title(ws: ExcelJS.Worksheet, text: string, span: number): void {
+  const r = ws.addRow([text]);
+  ws.mergeCells(r.number, 1, r.number, span);
+  r.font = { bold: true, size: 14, color: { argb: NAVY } };
+  r.height = 24;
+}
+
+function section(ws: ExcelJS.Worksheet, text: string): void {
+  const r = ws.addRow([text]);
+  r.font = { bold: true, color: { argb: 'FFFFFFFF' } };
+  r.getCell(1).fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: NAVY } };
+  r.getCell(2).fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: NAVY } };
+}
+
+function styleDataRow(row: ExcelJS.Row, cols: Col[], index: number): void {
+  cols.forEach((c, i) => {
+    const cell = row.getCell(i + 1);
+    cell.border = border();
+    cell.alignment = { vertical: 'middle', wrapText: i === cols.length - 1 || c.width > 30 };
+    if (c.fmt) {
+      cell.numFmt = c.fmt;
+      cell.alignment = { ...cell.alignment, horizontal: 'right' };
+    }
+    if (index % 2 === 1) {
+      cell.fill = { type: 'pattern', pattern: 'solid', fgColor: { argb: STRIPE } };
+    }
+  });
+}
+
+/** A closing row that totals the money columns with live SUM formulas. */
+function totals(ws: ExcelJS.Worksheet, cols: Col[], count: number): void {
+  if (count === 0) {
+    return;
+  }
+  const first = 4;
+  const last = first + count - 1;
+  const r = ws.addRow(cols.map((c, i) => (i === 1 ? 'Total' : null)));
+  cols.forEach((c, i) => {
+    const cell = r.getCell(i + 1);
+    if (c.sum) {
+      const letter = ws.getColumn(i + 1).letter;
+      cell.value = { formula: `SUM(${letter}${first}:${letter}${last})` };
+      cell.numFmt = c.fmt ?? '#,##0';
+      cell.alignment = { horizontal: 'right' };
+    }
+    cell.font = { bold: true };
+    cell.border = { top: { style: 'medium', color: { argb: NAVY } }, bottom: { style: 'thin', color: { argb: LINE } } };
+  });
+}
+
+function boxRow(row: ExcelJS.Row, span: number): void {
+  for (let i = 1; i <= span; i++) {
+    row.getCell(i).border = border();
+  }
+}
+
+function border(): Partial<ExcelJS.Borders> {
+  const side = { style: 'thin' as const, color: { argb: LINE } };
+  return { top: side, left: side, bottom: side, right: side };
+}
+
+function rupees(n: number): string {
+  return `₹${Math.round(n).toLocaleString('en-IN')}`;
+}
+
+/** '2026-10-05' as a real date, so Excel sorts and filters it as one. */
+function isoToDate(iso: string): Date {
+  const [
+    y,
+    m,
+    d
+  ] = iso.slice(0, 10).split('-').map(Number);
+  return new Date(Date.UTC(y, m - 1, d));
+}

src/app/tds-reports/tds-interest-report.component.html

@@ -13,15 +13,21 @@
       <div>
         <h2 class="tdsr__title">Deposit Interest &amp; TDS</h2>
         <div class="tdsr__sub">
-          Quarter-wise and yearly interest on time deposits, with tax deductible under {{ statute.section }} ·
-          {{ scopeLabel }}
+          Interest each customer earned this year, and whether TDS has to be deducted on it ·
+          <strong>Showing: {{ scopeLabel }}</strong>
         </div>
       </div>
     </div>
-    <button type="button" class="tdsr__btn" (click)="exportWorkbook()" [disabled]="exporting">
-      <fa-icon icon="download"></fa-icon>
-      {{ exporting ? 'Preparing…' : 'Export' }}
-    </button>
+    <div class="tdsr__head-r">
+      <button type="button" class="tdsr__btn" (click)="showHelp = !showHelp">
+        <fa-icon icon="question-circle"></fa-icon>
+        {{ showHelp ? 'Hide help' : 'How to read this page' }}
+      </button>
+      <button type="button" class="tdsr__btn" (click)="exportWorkbook()" [disabled]="exporting">
+        <fa-icon icon="download"></fa-icon>
+        {{ exporting ? 'Preparing…' : 'Export' }}
+      </button>
+    </div>
   </div>
 
   @if (loadError) {
@@ -31,57 +37,104 @@
     </div>
   }
 
+  <!-- Help -->
+  @if (showHelp) {
+    <div class="tdsr__help">
+      <div class="tdsr__help-title"><fa-icon icon="info-circle"></fa-icon> How to read this page</div>
+      <ol class="tdsr__help-list">
+        <li>
+          Every customer with an account is listed. Each account is either
+          <span class="tdsr__pill tdsr__pill--ok">Tracked</span> — its interest counts toward the TDS limit — or
+          <span class="tdsr__pill">Not tracked</span>. Open a row (<fa-icon icon="chevron-down"></fa-icon>) to see which
+          account is which, and why.
+        </li>
+        <li>
+          Only the interest from <strong>fixed and recurring deposits that reaches the customer's savings account</strong>
+          is tracked — counted on the day it arrives. The savings account's own interest is shown for information but
+          never attracts TDS. Interest still inside an FD/RD counts when it is paid out at maturity or closure — to
+          savings, in cash or to a GL (then the TDS comes out of the payout). A full reinvestment into a new FD/RD is not
+          taxed.
+        </li>
+        @if (rules) {
+          <li>
+            A customer's tracked interest for the whole year, across every branch, is checked against the limit:
+            <strong>₹{{ rules.general | number: '1.0-0' }}</strong
+            >, or <strong>₹{{ rules.senior | number: '1.0-0' }}</strong> for a senior citizen (60+).
+          </li>
+          <li>
+            Once over the limit, TDS is <strong>{{ rules.rate | number: '1.0-2' }}%</strong> of the
+            <em>whole</em> year's interest — <strong>{{ rules.rateNoPan | number: '1.0-2' }}%</strong> if no PAN is on
+            record.
+          </li>
+        }
+        <li>
+          A customer who has submitted Form 15G/15H is not deducted on interest received after the form was accepted.
+        </li>
+        <li>
+          TDS is <strong>debited from the savings account</strong> at the moment the FD/RD interest that takes the
+          customer over the limit arrives, and credited to the TDS payable account. The FD/RD itself is never debited.
+          The <strong>TDS</strong> column shows what is due by these rules and what was actually deducted — the two
+          should match.
+        </li>
+      </ol>
+    </div>
+  }
+
   <!-- Summary -->
   <div class="tdsr__kpis">
     <div class="tdsr__kpi">
       <div class="tdsr__kpi-n">{{ summary.deductees | number }}</div>
-      <div class="tdsr__kpi-l">Deductees</div>
+      <div class="tdsr__kpi-l">Customers · {{ summary.trackedCustomers | number }} with an FD/RD being tracked</div>
     </div>
     <div class="tdsr__kpi">
       <div class="tdsr__kpi-n">₹{{ summary.applicableInterest | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">Interest on FD / RD</div>
+      <div class="tdsr__kpi-l">FD / RD interest received in savings — counts toward the limit</div>
     </div>
     <div class="tdsr__kpi tdsr__kpi--muted">
       <div class="tdsr__kpi-n">₹{{ summary.exemptInterest | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">Savings interest — outside the charge</div>
-    </div>
-    <div class="tdsr__kpi tdsr__kpi--warn">
-      <div class="tdsr__kpi-n">₹{{ summary.totalTds | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">TDS payable</div>
+      <div class="tdsr__kpi-l">Savings interest — shown only, no TDS</div>
     </div>
     <div class="tdsr__kpi tdsr__kpi--warn">
       <div class="tdsr__kpi-n">{{ summary.crossed | number }}</div>
-      <div class="tdsr__kpi-l">Crossed the threshold</div>
+      <div class="tdsr__kpi-l">Customers over the limit</div>
     </div>
-    <button type="button" class="tdsr__kpi tdsr__kpi--action" (click)="showNearThreshold()">
-      <div class="tdsr__kpi-n">{{ summary.nearThreshold | number }}</div>
-      <div class="tdsr__kpi-l">Within ₹{{ nearBand | number: '1.0-0' }} of it — chase a declaration</div>
-    </button>
-    <div class="tdsr__kpi tdsr__kpi--ok">
-      <div class="tdsr__kpi-n">₹{{ summary.tdsSaved | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">Saved by {{ summary.declarations | number }} declarations</div>
+    <div class="tdsr__kpi tdsr__kpi--warn">
+      <div class="tdsr__kpi-n">₹{{ summary.totalTds | number: '1.0-0' }}</div>
+      <div class="tdsr__kpi-l">TDS due by the rules</div>
     </div>
-    @if (summary.noPan > 0) {
-      <div class="tdsr__kpi tdsr__kpi--warn">
-        <div class="tdsr__kpi-n">{{ summary.noPan | number }}</div>
-        <div class="tdsr__kpi-l">No PAN — deducted at 20%</div>
+    <div class="tdsr__kpi" [class.tdsr__kpi--ok]="summary.actualTds === summary.totalTds"
+      [class.tdsr__kpi--warn]="summary.actualTds !== summary.totalTds">
+      <div class="tdsr__kpi-n">₹{{ summary.actualTds | number: '1.0-0' }}</div>
+      <div class="tdsr__kpi-l">
+        Actually deducted from accounts
+        @if (summary.actualTds !== summary.totalTds) {
+          — ₹{{ summary.totalTds - summary.actualTds | number: '1.0-0' }} apart
+        }
       </div>
-    }
+    </div>
   </div>
 
-  <!-- Quarter strip -->
-  <div class="tdsr__card">
-    <div class="tdsr__card-head"><fa-icon icon="calendar"></fa-icon> Quarter by quarter</div>
-    <div class="tdsr__qstrip">
-      @for (q of summary.byQuarter; track q.quarter) {
-        <div class="tdsr__qcell">
-          <div class="tdsr__qcell-l">{{ quarterLabel[q.quarter] }}</div>
-          <div class="tdsr__qcell-n">₹{{ q.interest | number: '1.0-0' }}</div>
-          <div class="tdsr__qcell-s">TDS ₹{{ q.tds | number: '1.0-0' }}</div>
-        </div>
+  <!-- Things worth acting on, only when there are any -->
+  @if (summary.nearThreshold || summary.declarations || summary.noPan) {
+    <div class="tdsr__chips">
+      @if (summary.nearThreshold) {
+        <button type="button" class="tdsr__chip tdsr__chip--near" (click)="showNearThreshold()">
+          {{ summary.nearThreshold | number }} near the limit (within ₹{{ nearBand | number: '1.0-0' }}) — ask for
+          15G/15H
+        </button>
+      }
+      @if (summary.declarations) {
+        <span class="tdsr__chip tdsr__chip--ok">
+          {{ summary.declarations | number }} with 15G/15H — ₹{{ summary.tdsSaved | number: '1.0-0' }} not deducted
+        </span>
+      }
+      @if (summary.noPan) {
+        <span class="tdsr__chip tdsr__chip--warn">
+          {{ summary.noPan | number }} FD/RD customers without PAN — higher rate applies
+        </span>
       }
     </div>
-  </div>
+  }
 
   <!-- Filters -->
   <div class="tdsr__filters">
@@ -99,8 +152,8 @@
         <span>Branch</span>
         <select [(ngModel)]="filter.branchCode" (ngModelChange)="onFilterChanged()">
           <option value="">All branches</option>
-          @for (b of branches; track b.code) {
-            <option [value]="b.code">{{ b.name }}</option>
+          @for (b of branches; track b) {
+            <option [value]="b">{{ b }}</option>
           }
         </select>
       </label>
@@ -117,32 +170,32 @@
     </label>
 
     <label class="tdsr__filter">
-      <span>Threshold band</span>
+      <span>Age group</span>
       <select [(ngModel)]="filter.band" (ngModelChange)="onFilterChanged()">
-        <option value="">Both bands</option>
-        <option value="GENERAL">General (below 60)</option>
+        <option value="">Everyone</option>
+        <option value="GENERAL">Below 60</option>
         <option value="SENIOR">Senior citizen (60+)</option>
       </select>
     </label>
 
     <label class="tdsr__filter tdsr__filter--wide">
-      <span>Customer / CIF / PAN</span>
+      <span>Search customer</span>
       <input
         type="text"
         [(ngModel)]="filter.search"
         (ngModelChange)="onFilterChanged()"
-        placeholder="name, CIF or PAN"
+        placeholder="Name, customer ID or PAN"
       />
     </label>
 
     <label class="tdsr__check">
       <input type="checkbox" [(ngModel)]="filter.crossedOnly" (ngModelChange)="onFilterChanged()" />
-      <span>Threshold crossed only</span>
+      <span>Over the limit only</span>
     </label>
 
     <label class="tdsr__check">
       <input type="checkbox" [(ngModel)]="filter.nearThresholdOnly" (ngModelChange)="onFilterChanged()" />
-      <span>Near threshold only</span>
+      <span>Near the limit only</span>
     </label>
 
     @if (hasFilters) {
@@ -150,7 +203,7 @@
     }
   </div>
 
-  <!-- Tabs Selector -->
+  <!-- Tabs -->
   <div class="tdsr__tabs">
     <button
       type="button"
@@ -158,7 +211,15 @@
       [class.tdsr__tab--active]="selectedTab === 'paying'"
       (click)="selectTab('paying')"
     >
-      Paying TDS ({{ payingRows.length }})
+      TDS deducted / due ({{ payingRows.length }})
+    </button>
+    <button
+      type="button"
+      class="tdsr__tab"
+      [class.tdsr__tab--active]="selectedTab === 'declared'"
+      (click)="selectTab('declared')"
+    >
+      Form 121 / 15G / 15H given ({{ declaredRows.length }})
     </button>
     <button
       type="button"
@@ -166,97 +227,128 @@
       [class.tdsr__tab--active]="selectedTab === 'not-paying'"
       (click)="selectTab('not-paying')"
     >
-      Not Paying TDS ({{ notPayingRows.length }})
+      No TDS ({{ notPayingRows.length }})
     </button>
   </div>
 
+  @if (selectedTab === 'declared') {
+    <div class="tdsr__note">
+      <fa-icon icon="info-circle"></fa-icon>
+      <div>
+        Customers who gave a declaration for FY {{ filter.fy }}. <strong>TDS not deducted</strong> is the tax that would
+        have been taken without the form; <strong>Paid without TDS</strong> is the interest received after the form was
+        accepted — it must still be reported in the {{ statute.statement }} return. Interest received before the form
+        stays taxable, and any TDS taken on it is shown as <strong>deducted before the form</strong>.
+      </div>
+    </div>
+  }
+
   <!-- Table -->
   <div class="tdsr__card">
     <div class="tdsr__table-wrap">
       <table class="tdsr__table">
         <thead>
           <tr>
-            <th>Customer · PAN</th>
+            <th>Customer</th>
             <th>Branch</th>
-            <th>Form · Band</th>
-            <th class="num">Q1</th>
-            <th class="num">Q2</th>
-            <th class="num">Q3</th>
-            <th class="num">Q4</th>
-            <th class="num">Year total</th>
-            <th class="num">Threshold</th>
-            <th>Crossed</th>
-            <th class="num">TDS</th>
-            <th class="num">Saved</th>
+            @if (selectedTab === 'declared') {
+              <th>Form · UIN · accepted on</th>
+              <th class="num">FD / RD interest received · paid without TDS</th>
+              <th class="num">Limit</th>
+              <th>Status</th>
+              <th class="num">TDS not deducted · deducted before the form</th>
+            } @else {
+              <th>Accounts</th>
+              <th class="num">FD / RD interest received this year</th>
+              <th class="num">Limit</th>
+              <th>Status</th>
+              <th class="num">TDS</th>
+            }
             <th class="col-actions"></th>
           </tr>
         </thead>
         <tbody>
           @for (row of pagedRows; track trackRow($index, row)) {
-            <tr [class.tdsr__row--warn]="!row.panOnRecord" [class.tdsr__row--near]="row.nearThreshold">
+            <tr class="tdsr__row--click" [class.tdsr__row--near]="row.nearThreshold" (click)="toggleExpanded(row)">
               <td>
                 <div class="tdsr__name">{{ row.deductee.name }}</div>
                 <div class="mono small muted">
-                  {{ row.deductee.customerId }} ·
+                  ID {{ row.deductee.customerId }} ·
                   @if (row.panOnRecord) {
-                    {{ row.deductee.pan }}
+                    PAN {{ row.deductee.pan }}
                   } @else {
                     <span class="tdsr__pill tdsr__pill--warn">no PAN</span>
                   }
+                  @if (row.band === 'SENIOR') {
+                    <span class="tdsr__pill">Senior 60+</span>
+                  }
                 </div>
               </td>
-              <td class="small">{{ branchName(row.branchCode) }}</td>
-              <td>
-                <span class="tdsr__pill" [class.tdsr__pill--ok]="row.hasDeclaration">
-                  {{ row.form === '121' ? '121' : row.form }}
-                </span>
-                <div class="small muted">{{ row.band === 'SENIOR' ? 'Senior' : 'General' }}</div>
-                @if (row.hasDeclaration) {
-                  <div class="mono small muted">{{ row.declarationUin }}</div>
-                }
-              </td>
-              @for (q of quarters; track q) {
-                <td class="num small">
-                  @if (row.quarters[q]) {
-                    ₹{{ row.quarters[q] | number: '1.0-0' }}
-                  } @else {
-                    <span class="muted">—</span>
+              <td class="small">{{ row.branchCode || '—' }}</td>
+              @if (selectedTab === 'declared') {
+                <td class="small">
+                  <span class="tdsr__pill tdsr__pill--ok">Form {{ row.form }}</span>
+                  <div class="mono muted">{{ row.declarationUin || 'no UIN yet' }}</div>
+                  <div class="muted">accepted {{ row.declarationAcceptedOn | date: 'd MMM y' }}</div>
+                </td>
+                <td class="num">
+                  <strong>₹{{ row.tdsApplicableInterest | number: '1.0-0' }}</strong>
+                  <div class="small tdsr__ok">₹{{ row.paidWithoutDeduction | number: '1.0-0' }} paid without TDS</div>
+                </td>
+              } @else {
+                <td class="small">
+                  @if (row.trackedAccounts) {
+                    <span class="tdsr__pill tdsr__pill--ok">{{ row.trackedAccounts }} tracked</span>
+                  }
+                  @if (untrackedOf(row).length) {
+                    <span class="tdsr__pill">{{ untrackedOf(row).length }} not tracked</span>
+                  }
+                </td>
+                <td class="num">
+                  <strong>₹{{ row.tdsApplicableInterest | number: '1.0-0' }}</strong>
+                  @if (row.exemptInterest) {
+                    <div class="small muted">+ ₹{{ row.exemptInterest | number: '1.0-0' }} savings (no TDS)</div>
                   }
                 </td>
               }
-              <td class="num">
-                <strong>₹{{ row.tdsApplicableInterest | number: '1.0-0' }}</strong>
-                @if (row.exemptInterest) {
-                  <div class="small muted">+₹{{ row.exemptInterest | number: '1.0-0' }} SB (exempt)</div>
-                }
-              </td>
               <td class="num small muted">₹{{ row.threshold | number: '1.0-0' }}</td>
               <td class="small">
-                @if (row.crossedInQuarter) {
-                  <span class="tdsr__pill tdsr__pill--warn">Q{{ row.crossedInQuarter }}</span>
-                } @else if (row.nearThreshold) {
-                  <span class="tdsr__pill tdsr__pill--near"> ₹{{ row.headroom | number: '1.0-0' }} left </span>
-                } @else {
-                  <span class="muted">—</span>
-                }
+                <span
+                  class="tdsr__pill"
+                  [class.tdsr__pill--warn]="statusOf(row).tone === 'warn'"
+                  [class.tdsr__pill--near]="statusOf(row).tone === 'near'"
+                  [class.tdsr__pill--ok]="statusOf(row).tone === 'ok'"
+                >
+                  {{ statusOf(row).label }}
+                </span>
               </td>
               <td class="num">
-                @if (row.schedule.totalTds) {
-                  <strong>₹{{ row.schedule.totalTds | number: '1.0-0' }}</strong>
-                  <div class="small muted">@ {{ row.rateApplied * 100 | number: '1.0-0' }}%</div>
-                } @else {
-                  <span class="muted">—</span>
-                }
-              </td>
-              <td class="num">
-                @if (row.tdsSaved) {
+                @if (selectedTab === 'declared') {
                   <strong class="tdsr__ok">₹{{ row.tdsSaved | number: '1.0-0' }}</strong>
+                  <div class="small muted">not deducted</div>
+                  @if (row.actualTds || row.schedule.totalTds) {
+                    <div class="small">₹{{ row.actualTds | number: '1.0-0' }} deducted before the form</div>
+                  }
+                } @else if (row.schedule.totalTds || row.actualTds) {
+                  <strong>₹{{ row.schedule.totalTds | number: '1.0-0' }}</strong>
+                  <div class="small muted">due @ {{ row.rateApplied * 100 | number: '1.0-0' }}%</div>
+                  <div class="small" [class.tdsr__ok]="row.actualTds === row.schedule.totalTds"
+                    [class.tdsr__warn-text]="row.actualTds !== row.schedule.totalTds">
+                    ₹{{ row.actualTds | number: '1.0-0' }} deducted
+                  </div>
+                } @else if (row.tdsSaved) {
+                  <span class="small tdsr__ok">₹{{ row.tdsSaved | number: '1.0-0' }} saved</span>
                 } @else {
                   <span class="muted">—</span>
                 }
               </td>
               <td class="col-actions">
-                <button type="button" class="tdsr__icon-btn" (click)="toggleExpanded(row)">
+                <button
+                  type="button"
+                  class="tdsr__icon-btn"
+                  [attr.aria-label]="isExpanded(row) ? 'Hide details' : 'Show details'"
+                  (click)="$event.stopPropagation(); toggleExpanded(row)"
+                >
                   <fa-icon [icon]="isExpanded(row) ? 'chevron-up' : 'chevron-down'"></fa-icon>
                 </button>
               </td>
@@ -264,89 +356,154 @@
 
             @if (isExpanded(row)) {
               <tr class="tdsr__row--detail">
-                <td colspan="13">
-                  @for (note of row.schedule.notes; track note) {
-                    <div class="tdsr__note">
-                      <fa-icon icon="info-circle"></fa-icon>
-                      <div>{{ note }}</div>
-                    </div>
-                  }
-                  @if (row.jointHeldInterest) {
-                    <div class="tdsr__note">
-                      <fa-icon icon="info-circle"></fa-icon>
-                      <div>
-                        ₹{{ row.jointHeldInterest | number: '1.0-0' }} of interest sits on deposits where this customer
-                        is a joint holder but not the first-named one. Tax there is deducted against the first-named
-                        holder, so it is excluded from the figures above.
-                      </div>
-                    </div>
-                  }
-
+                <td colspan="8">
+                  <!-- 1. Which accounts are tracked -->
+                  <div class="tdsr__detail-h">Accounts of {{ row.deductee.name }}</div>
                   <table class="tdsr__table tdsr__table--inner">
                     <thead>
                       <tr>
-                        <th>Quarter</th>
-                        <th class="num">Interest</th>
-                        <th class="num">Cumulative</th>
-                        <th class="num">Liability to date</th>
-                        <th class="num">TDS this quarter</th>
-                        <th>Return due</th>
+                        <th>Account no.</th>
+                        <th>Type</th>
+                        <th>Tracked for TDS?</th>
+                        <th class="num">Interest this year (FD/RD: received in savings)</th>
+                        <th class="num">Credits</th>
+                        <th>Last credited</th>
+                        <th class="num">TDS deducted</th>
                       </tr>
                     </thead>
                     <tbody>
-                      @for (line of row.schedule.lines; track line.quarter) {
-                        <tr [class.tdsr__row--warn]="line.thresholdCrossedHere">
-                          <td class="small">
-                            {{ line.label }}
-                            @if (line.thresholdCrossedHere) {
-                              <span class="tdsr__pill tdsr__pill--warn">crossed here</span>
-                            }
-                            @if (line.declarationActive) {
-                              <span class="tdsr__pill tdsr__pill--ok">Form 121 active</span>
+                      @for (a of row.accounts; track a.accountNo) {
+                        <tr>
+                          <td class="mono small">
+                            {{ a.accountNo }}
+                            @if (a.holderName) {
+                              <div class="muted">held by {{ a.holderName }}</div>
                             }
                           </td>
-                          <td class="num">₹{{ line.interest | number: '1.0-0' }}</td>
-                          <td class="num">₹{{ line.cumInterest | number: '1.0-0' }}</td>
-                          <td class="num">₹{{ line.cumLiability | number: '1.0-0' }}</td>
+                          <td class="small">{{ accountTypeLabel[a.type] }}</td>
+                          <td class="small">
+                            @if (a.tracked) {
+                              <span class="tdsr__pill tdsr__pill--ok"><fa-icon icon="check"></fa-icon> Yes</span>
+                            } @else {
+                              <span class="tdsr__pill">No</span>
+                            }
+                            <span class="muted"> {{ a.reason }}</span>
+                          </td>
+                          <td class="num">₹{{ a.interest | number: '1.2-2' }}</td>
+                          <td class="num small">{{ a.postings }}</td>
+                          <td class="small muted">
+                            {{ a.lastPostedOn ? (a.lastPostedOn | date: 'd MMM y') : 'Nothing received yet' }}
+                          </td>
                           <td class="num">
-                            @if (line.tds !== 0) {
-                              <strong>₹{{ line.tds | number: '1.0-0' }}</strong>
+                            @if (a.tdsDeducted) {
+                              ₹{{ a.tdsDeducted | number: '1.2-2' }}
                             } @else {
                               <span class="muted">—</span>
                             }
                           </td>
-                          <td class="small muted">{{ line.dueDate }}</td>
                         </tr>
                       }
                     </tbody>
                   </table>
 
-                  <div class="tdsr__meta">
-                    <span
-                      >Settlement: <strong>{{ row.mode === 'QUARTERLY' ? 'Quarterly' : 'Year end' }}</strong> (set by
-                      the deposit product)</span
-                    >
-                    @if (row.declarationAcceptedOn) {
-                      <span
-                        >Declaration accepted: <strong>{{ row.declarationAcceptedOn | date: 'd MMM y' }}</strong></span
-                      >
+                  <!-- 2. How the TDS was worked out -->
+                  @if (row.trackedAccounts) {
+                    <div class="tdsr__detail-h">How the TDS is worked out, quarter by quarter</div>
+                    @for (note of row.schedule.notes; track note) {
+                      <div class="tdsr__note">
+                        <fa-icon icon="info-circle"></fa-icon>
+                        <div>{{ note }}</div>
+                      </div>
+                    }
+                    @if (row.schedule.lines.length) {
+                      <table class="tdsr__table tdsr__table--inner">
+                        <thead>
+                          <tr>
+                            <th>Quarter</th>
+                            <th class="num">Interest in quarter</th>
+                            <th class="num">Total so far</th>
+                            <th class="num">TDS this quarter</th>
+                            <th>Return due</th>
+                          </tr>
+                        </thead>
+                        <tbody>
+                          @for (line of row.schedule.lines; track line.quarter) {
+                            <tr [class.tdsr__row--warn]="line.thresholdCrossedHere">
+                              <td class="small">
+                                {{ line.label }}
+                                @if (line.thresholdCrossedHere) {
+                                  <span class="tdsr__pill tdsr__pill--warn">limit crossed here</span>
+                                }
+                                @if (line.declarationActive) {
+                                  <span class="tdsr__pill tdsr__pill--ok">15G/15H active</span>
+                                }
+                              </td>
+                              <td class="num">₹{{ line.interest | number: '1.0-0' }}</td>
+                              <td class="num">
+                                ₹{{ line.cumInterest | number: '1.0-0' }}
+                                <span class="small muted">of ₹{{ row.threshold | number: '1.0-0' }}</span>
+                              </td>
+                              <td class="num">
+                                @if (line.tds !== 0) {
+                                  <strong>₹{{ line.tds | number: '1.0-0' }}</strong>
+                                } @else {
+                                  <span class="muted">—</span>
+                                }
+                              </td>
+                              <td class="small muted">{{ line.dueDate }}</td>
+                            </tr>
+                          }
+                        </tbody>
+                      </table>
+                    } @else {
+                      <div class="small muted">No interest has been posted on the tracked deposits this year yet.</div>
                     }
                     @if (row.paidWithoutDeduction) {
-                      <span>
-                        Paid without deduction:
-                        <strong>₹{{ row.paidWithoutDeduction | number: '1.0-0' }}</strong> — reportable in
-                        {{ statute.statement }}
-                      </span>
+                      <div class="tdsr__meta">
+                        <span>
+                          Paid without deduction because of 15G/15H:
+                          <strong>₹{{ row.paidWithoutDeduction | number: '1.0-0' }}</strong> — still reported in
+                          {{ statute.statement }}
+                        </span>
+                      </div>
                     }
-                  </div>
+                  } @else {
+                    <div class="tdsr__note">
+                      <fa-icon icon="info-circle"></fa-icon>
+                      <div>
+                        This customer has no fixed or recurring deposit, so nothing here counts toward TDS. Savings
+                        interest is shown for information only.
+                      </div>
+                    </div>
+                  }
+
+                  @if (row.jointHeldInterest) {
+                    <div class="tdsr__note">
+                      <fa-icon icon="info-circle"></fa-icon>
+                      <div>
+                        ₹{{ row.jointHeldInterest | number: '1.0-0' }} of interest is on joint deposits where this
+                        customer is not the first-named holder, so it is counted under that holder instead.
+                      </div>
+                    </div>
+                  }
                 </td>
               </tr>
             }
           }
           @if (visibleRows.length === 0) {
             <tr>
-              <td colspan="13" class="tdsr__empty">
-                <fa-icon icon="info-circle"></fa-icon> No customers in this section match the filters.
+              <td colspan="8" class="tdsr__empty">
+                <fa-icon icon="info-circle"></fa-icon>
+                @if (loading) {
+                  Loading…
+                } @else if (selectedTab === 'paying') {
+                  No customer needs TDS deducted for these filters. Check the "No TDS" tab.
+                } @else if (selectedTab === 'declared') {
+                  No customer has a Form 121 / 15G / 15H on record for this year. Record one from the customer's
+                  Form 121 tab.
+                } @else {
+                  No customers match these filters.
+                }
               </td>
             </tr>
           }
@@ -359,8 +516,7 @@
         <div class="tdsr__pager-l">
           <span>
             Showing <strong>{{ rangeStart | number }}–{{ rangeEnd | number }}</strong> of
-            <strong>{{ visibleRows.length | number }}</strong>
-            {{ selectedTab === 'paying' ? 'deductees paying TDS' : 'deductees not paying TDS' }}
+            <strong>{{ visibleRows.length | number }}</strong> customers
           </span>
           <label class="tdsr__pager-sizel">
             Rows

src/app/tds-reports/tds-interest-report.component.ts

@@ -10,15 +10,15 @@ import { Component, OnInit, inject } from '@angular/core';
 import { FormsModule } from '@angular/forms';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
-import * as ExcelJS from 'exceljs';
 
 import { BranchScopeService } from '../core/branch-scope.service';
-import { GL_BRANCHES, glBranchName } from '../gl-reports/gl-reports-data';
 import { FY_TAX_CONFIG, Quarter, QUARTER_LABEL } from '../letter-mgmt/certificates/form-15gh/tds-15gh.compute';
-import { setTdsDeductees, tdsFys } from './tds-reports-data';
+import { TdsDeductee, setTdsDeductees, tdsFys } from './tds-reports-data';
+import { buildTdsInterestWorkbook } from './tds-interest-export';
 import { TdsReportsService } from './tds-reports.service';
 import {
   NEAR_THRESHOLD_BAND,
+  TdsAccountLine,
   TdsInterestRow,
   TdsInterestSummary,
   TdsReportFilter,
@@ -26,6 +26,9 @@ import {
   tdsInterestSummary
 } from './tds-reports.compute';
 
+/** The three answers the register gives: TDS taken, not taken because of a declaration, none due. */
+type TdsTab = 'paying' | 'declared' | 'not-paying';
+
 @Component({
   selector: 'mifosx-tds-interest-report',
   templateUrl: './tds-interest-report.component.html',
@@ -40,7 +43,12 @@ export class TdsInterestReportComponent implements OnInit {
   private scope = inject(BranchScopeService);
   private tdsService = inject(TdsReportsService);
 
-  readonly branches = GL_BRANCHES.filter((b) => b.code !== 'HO');
+  /**
+   * Office names the loaded customers belong to, for Head Office's branch selector. Read off the
+   * data rather than a fixed list, which named branches this bank does not have and left out the
+   * ones it does.
+   */
+  branches: string[] = [];
   /** Filled by the route resolver from Organization › TDS Configuration. */
   readonly financialYears = tdsFys();
   readonly quarterLabel = QUARTER_LABEL;
@@ -65,7 +73,7 @@ export class TdsInterestReportComponent implements OnInit {
   /** Which customer's quarter-wise detail is open. */
   expandedId: string | null = null;
   exporting = false;
-  selectedTab: 'paying' | 'not-paying' = 'paying';
+  selectedTab: TdsTab = 'paying';
 
   /** Rows per page; 0 shows the whole list. */
   readonly pageSizeOptions = [
@@ -87,21 +95,32 @@ export class TdsInterestReportComponent implements OnInit {
   private allRows: TdsInterestRow[] = [];
   private paying: TdsInterestRow[] = [];
   private notPaying: TdsInterestRow[] = [];
+  private declared: TdsInterestRow[] = [];
   private summaryCacheKey = '';
   private cachedSummary: TdsInterestSummary | null = null;
 
   loading = false;
   loadError = '';
+  /** The "how to read this page" panel. */
+  showHelp = true;
+
+  readonly accountTypeLabel: Record<TdsAccountLine['type'], string> = {
+    FD: 'Fixed deposit',
+    RD: 'Recurring deposit',
+    SB: 'Savings',
+    OTHER: 'Other'
+  };
 
   ngOnInit(): void {
     if (!this.financialYears.length) {
       this.loadError = 'No financial year is configured for TDS. Set one up under Organization › TDS Configuration.';
       return;
     }
-    // A branch login sees only its own book and cannot widen the scope.
-    const own = this.scope.ownBranchCode;
-    if (own) {
-      this.filter.branchCode = own;
+    // A branch login sees only its own book and cannot widen the scope. The platform labels each
+    // customer with their office's name, so the login's office name is the filter — the GL branch
+    // code list does not know every office and turned a branch login into an empty report.
+    if (!this.scope.isHeadOffice) {
+      this.filter.branchCode = this.scope.officeName;
     }
     this.loadDeductees();
   }
@@ -121,6 +140,7 @@ export class TdsInterestReportComponent implements OnInit {
       next: (deductees) => {
         this.loading = false;
         setTdsDeductees(deductees);
+        this.branches = this.branchesOf(deductees);
         this.invalidateCaches();
       },
       error: (err: any) => {
@@ -138,6 +158,11 @@ export class TdsInterestReportComponent implements OnInit {
    * only the summary left the KPIs counting the new data while the tables kept the empty list
    * cached on the first render, before the load returned.
    */
+  private branchesOf(deductees: TdsDeductee[]): string[] {
+    const names = new Set(deductees.map((d) => d.branchCode).filter((n) => !!n));
+    return [...names].sort((a, b) => a.localeCompare(b));
+  }
+
   private invalidateCaches(): void {
     this.rowsCacheKey = '';
     this.summaryCacheKey = '';
@@ -168,12 +193,74 @@ export class TdsInterestReportComponent implements OnInit {
     };
   }
 
+  /** The limits and rates for the selected year, for the help panel. */
+  get rules(): { general: number; senior: number; rate: number; rateNoPan: number } | null {
+    const cfg = FY_TAX_CONFIG[this.filter.fy];
+    if (!cfg) {
+      return null;
+    }
+    return {
+      general: cfg.thresholdGeneral,
+      senior: cfg.thresholdSenior,
+      rate: cfg.rate * 100,
+      rateNoPan: cfg.rateNoPan * 100
+    };
+  }
+
   get canSelectBranch(): boolean {
     return this.scope.canSelectBranch;
   }
 
   get scopeLabel(): string {
-    return this.filter.branchCode ? glBranchName(this.filter.branchCode) : 'All branches';
+    return this.filter.branchCode ? `${this.filter.branchCode} branch` : 'All branches';
+  }
+
+  /**
+   * One plain-language status per customer, so a reader does not have to work it out from the
+   * threshold, crossed and saved columns together.
+   */
+  statusOf(row: TdsInterestRow): { label: string; tone: 'muted' | 'warn' | 'near' | 'ok' } {
+    if (!row.trackedAccounts) {
+      return { label: 'Not tracked — no FD/RD', tone: 'muted' };
+    }
+    if (row.hasDeclaration) {
+      const beforeForm = Math.round(row.schedule.totalTds - row.actualTds);
+      if (beforeForm > 0) {
+        return { label: `Form ${row.form} — ₹${beforeForm.toLocaleString('en-IN')} due from before the form, not yet deducted`, tone: 'warn' };
+      }
+      if (row.tdsSaved > 0) {
+        return { label: `Form ${row.form} — TDS not deducted`, tone: 'ok' };
+      }
+      return { label: `Form ${row.form} on record — below the limit so far`, tone: 'ok' };
+    }
+    if (row.schedule.totalTds > 0) {
+      const gap = Math.round(row.schedule.totalTds - row.actualTds);
+      if (gap > 0) {
+        return { label: `Over the limit — ₹${gap.toLocaleString('en-IN')} not yet deducted`, tone: 'warn' };
+      }
+      if (gap < 0) {
+        return { label: `Deducted ₹${(-gap).toLocaleString('en-IN')} more than due — check`, tone: 'warn' };
+      }
+      return { label: 'Over the limit — TDS deducted', tone: 'ok' };
+    }
+    if (row.actualTds > 0) {
+      return { label: `₹${Math.round(row.actualTds).toLocaleString('en-IN')} deducted but none due — check`, tone: 'warn' };
+    }
+    if (row.hasDeclaration && row.crossed) {
+      return { label: 'Over the limit — 15G/15H, no TDS', tone: 'ok' };
+    }
+    if (row.nearThreshold) {
+      return { label: `Near the limit — ₹${Math.round(row.headroom).toLocaleString('en-IN')} left`, tone: 'near' };
+    }
+    return { label: 'Below the limit', tone: 'ok' };
+  }
+
+  trackedOf(row: TdsInterestRow): TdsAccountLine[] {
+    return row.accounts.filter((a) => a.tracked);
+  }
+
+  untrackedOf(row: TdsInterestRow): TdsAccountLine[] {
+    return row.accounts.filter((a) => !a.tracked);
   }
 
   /** Recomputes the book only when the filter actually changed. Side-effect free. */
@@ -184,8 +271,12 @@ export class TdsInterestReportComponent implements OnInit {
     }
     this.rowsCacheKey = key;
     this.allRows = tdsInterestRows(this.filter);
-    this.paying = this.allRows.filter((r) => r.schedule.totalTds > 0);
-    this.notPaying = this.allRows.filter((r) => r.schedule.totalTds === 0);
+    // Three plain answers: whose TDS was taken, whose was not because they gave a declaration, and who
+    // owed none. A declarant whose tax was partly taken before the form is shown with the declarants,
+    // where both figures sit side by side.
+    this.declared = this.allRows.filter((r) => r.hasDeclaration);
+    this.paying = this.allRows.filter((r) => !r.hasDeclaration && (r.schedule.totalTds > 0 || r.actualTds > 0));
+    this.notPaying = this.allRows.filter((r) => !r.hasDeclaration && r.schedule.totalTds === 0 && r.actualTds === 0);
   }
 
   get rows(): TdsInterestRow[] {
@@ -203,6 +294,11 @@ export class TdsInterestReportComponent implements OnInit {
     return this.notPaying;
   }
 
+  get declaredRows(): TdsInterestRow[] {
+    this.ensureRows();
+    return this.declared;
+  }
+
   get summary(): TdsInterestSummary {
     const key = JSON.stringify(this.filter);
     if (key !== this.summaryCacheKey || !this.cachedSummary) {
@@ -214,6 +310,9 @@ export class TdsInterestReportComponent implements OnInit {
 
   /** Every row of the tab on screen, before paging. */
   get visibleRows(): TdsInterestRow[] {
+    if (this.selectedTab === 'declared') {
+      return this.declaredRows;
+    }
     return this.selectedTab === 'paying' ? this.payingRows : this.notPayingRows;
   }
 
@@ -274,7 +373,7 @@ export class TdsInterestReportComponent implements OnInit {
     this.expandedId = null;
   }
 
-  selectTab(tab: 'paying' | 'not-paying'): void {
+  selectTab(tab: TdsTab): void {
     this.selectedTab = tab;
     this.onFilterChanged();
   }
@@ -315,10 +414,6 @@ export class TdsInterestReportComponent implements OnInit {
     return this.expandedId === row.deductee.customerId;
   }
 
-  branchName(code: string): string {
-    return glBranchName(code);
-  }
-
   trackRow(_: number, row: TdsInterestRow): string {
     return row.deductee.customerId;
   }
@@ -326,92 +421,17 @@ export class TdsInterestReportComponent implements OnInit {
   async exportWorkbook(): Promise<void> {
     this.exporting = true;
     try {
-      const wb = new ExcelJS.Workbook();
-      const ws = wb.addWorksheet(`TDS Interest FY ${this.filter.fy}`);
-
-      ws.addRow([`Deposit Interest & TDS — FY ${this.filter.fy}`]);
-      ws.addRow([`Scope: ${this.scopeLabel}`]);
-      ws.addRow([]);
-      ws.addRow([
-        'Customer',
-        'CIF',
-        'PAN',
-        'Branch',
-        'Form',
-        'Band',
-        'Age',
-        'Q1',
-        'Q2',
-        'Q3',
-        'Q4',
-        'Interest (FD/RD)',
-        'Savings interest (exempt)',
-        'Threshold',
-        'Crossed in',
-        'Rate %',
-        'TDS payable',
-        'Declaration',
-        'UIN',
-        'TDS saved',
-        'Paid without deduction'
-      ]);
-
-      for (const r of this.rows) {
-        ws.addRow([
-          r.deductee.name,
-          r.deductee.customerId,
-          r.deductee.pan || 'NOT ON RECORD',
-          this.branchName(r.branchCode),
-          r.form === '121' ? 'Form 121' : `Form ${r.form}`,
-          r.band === 'SENIOR' ? 'Senior citizen' : 'General',
-          r.age,
-          r.quarters[1],
-          r.quarters[2],
-          r.quarters[3],
-          r.quarters[4],
-          r.tdsApplicableInterest,
-          r.exemptInterest,
-          r.threshold,
-          r.crossedInQuarter ? `Q${r.crossedInQuarter}` : '—',
-          r.rateApplied * 100,
-          r.schedule.totalTds,
-          r.hasDeclaration ? 'Yes' : 'No',
-          r.declarationUin ?? '',
-          r.tdsSaved,
-          r.paidWithoutDeduction
-        ]);
-      }
-
-      const s = this.summary;
-      ws.addRow([]);
-      ws.addRow([
-        'TOTAL',
-        `${s.deductees} deductees`,
-        '',
-        '',
-        '',
-        '',
-        '',
-        s.byQuarter[0].interest,
-        s.byQuarter[1].interest,
-        s.byQuarter[2].interest,
-        s.byQuarter[3].interest,
-        s.applicableInterest,
-        s.exemptInterest,
-        '',
-        '',
-        '',
-        s.totalTds,
-        `${s.declarations} filed`,
-        '',
-        s.tdsSaved,
-        s.paidWithoutDeduction
-      ]);
-
-      ws.getRow(1).font = { bold: true, size: 13 };
-      ws.getRow(4).font = { bold: true };
-      ws.columns.forEach((c) => (c.width = 18));
-
+      const wb = buildTdsInterestWorkbook({
+        fy: this.filter.fy,
+        scopeLabel: this.scopeLabel,
+        rules: this.rules,
+        statement: this.statute.statement,
+        // What the screen shows under the current filters, every tab included.
+        rows: this.rows,
+        declaredRows: this.declaredRows,
+        summary: this.summary,
+        statusOf: (row) => this.statusOf(row)
+      });
       const buffer = await wb.xlsx.writeBuffer();
       const blob = new Blob([buffer], {
         type: 'application/vnd.openxmlformats-officedocument.spreadsheetml.sheet'
@@ -419,7 +439,7 @@ export class TdsInterestReportComponent implements OnInit {
       const url = URL.createObjectURL(blob);
       const a = document.createElement('a');
       a.href = url;
-      a.download = `TDS-Interest-FY${this.filter.fy}.xlsx`;
+      a.download = `TDS-Register-FY${this.filter.fy}.xlsx`;
       a.click();
       URL.revokeObjectURL(url);
     } finally {

src/app/tds-reports/tds-remittance-report.component.html

@@ -13,225 +13,329 @@
       <div>
         <h2 class="tdsr__title">TDS Remitted to Government</h2>
         <div class="tdsr__sub">
-          Challan-wise deposits and the {{ statute.statement }} year-end position · {{ scopeLabel }} · as at
-          {{ asAt | date: 'd MMM y' }}
+          TDS deducted from customers' deposits each month, and the challans Head Office paid it with · Bank as a whole
+          @if (asAt) {
+            · as at {{ asAt | date: 'd MMM y' }}
+          }
         </div>
       </div>
     </div>
-    <div class="tdsr__head-r">
-      <label class="tdsr__filter">
-        <span>Financial year</span>
-        <select [(ngModel)]="fy">
-          @for (year of financialYears; track year) {
-            <option [value]="year">FY {{ year }}</option>
-          }
-        </select>
-      </label>
-      <button type="button" class="tdsr__btn" (click)="exportWorkbook()" [disabled]="exporting">
-        <fa-icon icon="download"></fa-icon>
-        {{ exporting ? 'Preparing…' : 'Export' }}
-      </button>
-    </div>
+    @if (isHeadOffice) {
+      <div class="tdsr__head-r">
+        <label class="tdsr__filter">
+          <span>Financial year</span>
+          <select [(ngModel)]="fy" (ngModelChange)="onYearChanged()">
+            @for (year of financialYears; track year) {
+              <option [value]="year">FY {{ year }}</option>
+            }
+          </select>
+        </label>
+        <button type="button" class="tdsr__btn" (click)="openForm()">
+          <fa-icon icon="plus"></fa-icon> Record challan
+        </button>
+        <button type="button" class="tdsr__btn" (click)="exportWorkbook()" [disabled]="exporting || !summary">
+          <fa-icon icon="download"></fa-icon>
+          {{ exporting ? 'Preparing…' : 'Export' }}
+        </button>
+      </div>
+    }
   </div>
 
-  <!-- The control figure, first thing on the page -->
-  @if (reconciled) {
-    <div class="tdsr__banner tdsr__banner--ok">
-      <fa-icon icon="check-circle"></fa-icon>
+  @if (!isHeadOffice) {
+    <div class="tdsr__banner tdsr__banner--warn">
+      <fa-icon icon="info-circle"></fa-icon>
       <div>
-        <strong>Reconciled.</strong>
-        ₹{{ summary.totalDeducted | number: '1.0-0' }} deducted, ₹{{
-          summary.totalDeposited | number: '1.0-0'
-        }}
-        deposited, ₹{{ summary.pendingDeposit | number: '1.0-0' }} still within its due date.
+        <strong>This report is for Head Office.</strong> TDS is paid to the Government by Head Office for the whole bank,
+        under one TAN. Your branch's customers and the TDS deducted from them are on
+        <em>Reports › Deposit Interest &amp; TDS</em>.
       </div>
     </div>
   } @else {
-    <div class="tdsr__banner tdsr__banner--warn">
-      <fa-icon icon="exclamation-triangle"></fa-icon>
-      <div>
-        <strong>Does not reconcile — ₹{{ summary.difference | number: '1.0-0' }} unaccounted.</strong>
-        Tax deducted must equal tax deposited plus tax still within its due date. Find the difference before filing the
-        return.
+    @if (loadError) {
+      <div class="tdsr__banner tdsr__banner--warn">
+        <fa-icon icon="exclamation-triangle"></fa-icon>
+        <div>{{ loadError }}</div>
       </div>
-    </div>
-  }
+    }
 
-  @if (summary.overdueChallans > 0) {
-    <div class="tdsr__banner tdsr__banner--warn">
-      <fa-icon icon="exclamation-triangle"></fa-icon>
-      <div>
-        <strong>{{ summary.overdueChallans }} challan{{ summary.overdueChallans === 1 ? '' : 's' }} overdue.</strong>
-        Interest runs at 1.5% for every month or part of a month until the tax reaches the Government.
+    <!-- Challan form -->
+    @if (showForm) {
+      <div class="tdsr__card tdsr__form">
+        <div class="tdsr__card-head"><fa-icon icon="receipt"></fa-icon> Record a challan — FY {{ fy }}</div>
+        <div class="tdsr__filters tdsr__filters--flat">
+          <label class="tdsr__filter">
+            <span>Deduction month *</span>
+            <input type="month" [(ngModel)]="form.month" />
+          </label>
+          <label class="tdsr__filter">
+            <span>Amount (₹) *</span>
+            <input type="number" min="0" step="1" [(ngModel)]="form.amount" />
+          </label>
+          <label class="tdsr__filter">
+            <span>Challan no. *</span>
+            <input type="text" [(ngModel)]="form.challanNo" placeholder="e.g. 00123" />
+          </label>
+          <label class="tdsr__filter">
+            <span>BSR code *</span>
+            <input type="text" maxlength="7" [(ngModel)]="form.bsrCode" placeholder="7 digits" />
+          </label>
+          <label class="tdsr__filter">
+            <span>Paid on *</span>
+            <input type="date" [(ngModel)]="form.depositedOn" />
+          </label>
+          <label class="tdsr__filter tdsr__filter--wide">
+            <span>Paid from account *</span>
+            <select [(ngModel)]="form.paidFromGlAccountId">
+              <option [ngValue]="0" disabled>Choose bank / cash account</option>
+              @for (o of paidFromOptions; track o.id) {
+                <option [ngValue]="o.id">{{ o.glCode }} · {{ o.name }}</option>
+              }
+            </select>
+          </label>
+          <label class="tdsr__filter tdsr__filter--wide">
+            <span>Remarks</span>
+            <input type="text" [(ngModel)]="form.remarks" />
+          </label>
+        </div>
+        <div class="tdsr__foot">
+          Saving posts <strong>Dr TDS payable / Cr the account paid from</strong> at Head Office, dated the day it was
+          paid.
+        </div>
+        @if (formError) {
+          <div class="tdsr__banner tdsr__banner--warn">
+            <fa-icon icon="exclamation-triangle"></fa-icon>
+            <div>{{ formError }}</div>
+          </div>
+        }
+        <div class="tdsr__form-actions">
+          <button type="button" class="tdsr__btn" (click)="showForm = false" [disabled]="saving">Cancel</button>
+          <button type="button" class="tdsr__btn tdsr__btn--primary" (click)="saveChallan()" [disabled]="saving">
+            {{ saving ? 'Saving…' : 'Save challan' }}
+          </button>
+        </div>
       </div>
-    </div>
-  }
+    }
 
-  <!-- KPIs -->
-  <div class="tdsr__kpis">
-    <div class="tdsr__kpi tdsr__kpi--warn">
-      <div class="tdsr__kpi-n">₹{{ summary.totalDeducted | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">Total TDS deducted</div>
-    </div>
-    <div class="tdsr__kpi tdsr__kpi--ok">
-      <div class="tdsr__kpi-n">₹{{ summary.totalDeposited | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">Deposited with Government</div>
-    </div>
-    <div class="tdsr__kpi">
-      <div class="tdsr__kpi-n">₹{{ summary.pendingDeposit | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">Within due date</div>
-    </div>
-    <div class="tdsr__kpi" [class.tdsr__kpi--warn]="totalDefaultInterest > 0">
-      <div class="tdsr__kpi-n">₹{{ totalDefaultInterest | number: '1.0-0' }}</div>
-      <div class="tdsr__kpi-l">Interest on late deposit</div>
-    </div>
-    <div class="tdsr__kpi">
-      <div class="tdsr__kpi-n">{{ summary.deductees | number }}</div>
-      <div class="tdsr__kpi-l">Deductees in the return</div>
-    </div>
-  </div>
-
-  <!-- Part A: challans -->
-  <div class="tdsr__card">
-    <div class="tdsr__card-head"><fa-icon icon="receipt"></fa-icon> Part A — challan-wise remittance</div>
-    <div class="tdsr__table-wrap">
-      <table class="tdsr__table">
-        <thead>
-          <tr>
-            <th>Quarter</th>
-            <th>Deduction month</th>
-            <th class="num">Amount</th>
-            <th>Due date</th>
-            <th>Deposited on</th>
-            <th>Challan · BSR</th>
-            <th>Status</th>
-            <th class="num">Late-deposit interest</th>
-            <th>{{ statute.statement }} due</th>
-          </tr>
-        </thead>
-        <tbody>
-          @for (row of rows; track trackRow($index, row)) {
-            <tr [class.tdsr__row--warn]="row.late || row.overdue">
-              <td>
-                <strong>{{ quarterLabel[row.quarter] }}</strong>
-              </td>
-              <td class="small">{{ row.month }}</td>
-              <td class="num">
-                <strong>₹{{ row.amount | number: '1.0-0' }}</strong>
-              </td>
-              <td class="small">{{ row.dueDate | date: 'd MMM y' }}</td>
-              <td class="small">
-                @if (row.depositedOn) {
-                  {{ row.depositedOn | date: 'd MMM y' }}
-                } @else {
-                  <span class="muted">—</span>
-                }
-              </td>
-              <td class="mono small">
-                @if (row.challanNo) {
-                  {{ row.challanNo }}
-                  <div class="muted">BSR {{ row.bsrCode }}</div>
-                } @else {
-                  <span class="muted">—</span>
-                }
-              </td>
-              <td>
-                @if (row.overdue) {
-                  <span class="tdsr__pill tdsr__pill--warn">Overdue</span>
-                } @else if (row.late) {
-                  <span class="tdsr__pill tdsr__pill--warn">Late by {{ row.delayMonths }}m</span>
-                } @else if (row.depositedOn) {
-                  <span class="tdsr__pill tdsr__pill--ok">On time</span>
-                } @else {
-                  <span class="tdsr__pill">Within due date</span>
-                }
-              </td>
-              <td class="num">
-                @if (row.defaultInterest) {
-                  <strong class="tdsr__warn-text">₹{{ row.defaultInterest | number: '1.0-0' }}</strong>
-                  <div class="small muted">1.5% × {{ row.delayMonths }}</div>
-                } @else {
-                  <span class="muted">—</span>
-                }
-              </td>
-              <td class="small muted">{{ row.returnDueDate }}</td>
-            </tr>
-          }
-          @if (rows.length === 0) {
-            <tr>
-              <td colspan="9" class="tdsr__empty">
-                <fa-icon icon="info-circle"></fa-icon> No tax was deducted in this financial year.
-              </td>
-            </tr>
-          }
-        </tbody>
-      </table>
-    </div>
-    <div class="tdsr__foot">
-      Tax deducted in a month must reach the Government by the seventh of the following month; March runs to 30 April.
-    </div>
-  </div>
-
-  <!-- Part B: return summary -->
-  <div class="tdsr__card">
-    <div class="tdsr__card-head">
-      <fa-icon icon="file-alt"></fa-icon> Part B — {{ statute.statement }} year-end position
-    </div>
-    <div class="tdsr__ledger">
-      <div class="tdsr__ledger-row">
-        <span>Total interest paid on time deposits</span>
-        <span class="num">₹{{ summary.totalInterestPaid | number: '1.0-0' }}</span>
-      </div>
-      <div class="tdsr__ledger-row tdsr__ledger-row--indent">
-        <span>with tax deducted</span>
-        <span class="num">₹{{ summary.interestWithDeduction | number: '1.0-0' }}</span>
-      </div>
-      <div class="tdsr__ledger-row tdsr__ledger-row--indent">
-        <span>
-          without deduction — declaration on record
-          <em>mandatory disclosure in {{ statute.statement }}</em>
-        </span>
-        <span class="num">₹{{ summary.interestWithoutDeduction | number: '1.0-0' }}</span>
-      </div>
-
-      <div class="tdsr__ledger-row tdsr__ledger-row--sep">
-        <span>TDS at standard rate — PAN on record</span>
-        <span class="num">₹{{ summary.tdsAtStandardRate | number: '1.0-0' }}</span>
-      </div>
-      <div class="tdsr__ledger-row">
-        <span>TDS at higher rate — no PAN on record</span>
-        <span class="num">₹{{ summary.tdsAtHigherRate | number: '1.0-0' }}</span>
-      </div>
-
-      <div class="tdsr__ledger-row tdsr__ledger-row--total">
-        <span>Total TDS deducted</span>
-        <span class="num">₹{{ summary.totalDeducted | number: '1.0-0' }}</span>
-      </div>
-      <div class="tdsr__ledger-row">
-        <span>Deposited with Government</span>
-        <span class="num">₹{{ summary.totalDeposited | number: '1.0-0' }}</span>
-      </div>
-      <div class="tdsr__ledger-row">
-        <span>Still within due date</span>
-        <span class="num">₹{{ summary.pendingDeposit | number: '1.0-0' }}</span>
-      </div>
-      <div class="tdsr__ledger-row tdsr__ledger-row--control" [class.tdsr__ledger-row--bad]="!reconciled">
-        <span>Difference — must be zero</span>
-        <span class="num">₹{{ summary.difference | number: '1.0-0' }}</span>
-      </div>
-
-      @if (summary.defaultInterest > 0) {
-        <div class="tdsr__ledger-row tdsr__ledger-row--sep">
-          <span>Interest payable by the bank for late deposit</span>
-          <span class="num">₹{{ summary.defaultInterest | number: '1.0-0' }}</span>
+    @if (summary) {
+      <!-- The control figure, first thing on the page -->
+      @if (reconciled) {
+        <div class="tdsr__banner tdsr__banner--ok">
+          <fa-icon icon="check-circle"></fa-icon>
+          <div>
+            <strong>Reconciled.</strong>
+            ₹{{ summary.totalDeducted | number: '1.0-0' }} deducted, ₹{{ summary.totalDeposited | number: '1.0-0' }}
+            paid to the Government, ₹{{ summary.pendingDeposit | number: '1.0-0' }} still within its due date.
+          </div>
+        </div>
+      } @else {
+        <div class="tdsr__banner tdsr__banner--warn">
+          <fa-icon icon="exclamation-triangle"></fa-icon>
+          <div>
+            <strong>Does not reconcile — ₹{{ summary.difference | number: '1.0-0' }} unaccounted.</strong>
+            Tax deducted must equal tax paid plus tax still within its due date.
+            @if (summary.overdueAmount > 0) {
+              ₹{{ summary.overdueAmount | number: '1.0-0' }} is past its due date and not yet paid.
+            }
+          </div>
         </div>
       }
+
+      @if (summary.calculatedTds !== summary.totalDeducted) {
+        <div class="tdsr__banner tdsr__banner--warn">
+          <fa-icon icon="exclamation-triangle"></fa-icon>
+          <div>
+            By the TDS rules ₹{{ summary.calculatedTds | number: '1.0-0' }} was due this year, but
+            ₹{{ summary.totalDeducted | number: '1.0-0' }} was actually deducted from accounts. Open
+            <em>Deposit Interest &amp; TDS</em> to see which customers differ.
+          </div>
+        </div>
+      }
+
+      <!-- KPIs -->
+      <div class="tdsr__kpis">
+        <div class="tdsr__kpi tdsr__kpi--warn">
+          <div class="tdsr__kpi-n">₹{{ summary.totalDeducted | number: '1.0-0' }}</div>
+          <div class="tdsr__kpi-l">TDS deducted from accounts</div>
+        </div>
+        <div class="tdsr__kpi tdsr__kpi--ok">
+          <div class="tdsr__kpi-n">₹{{ summary.totalDeposited | number: '1.0-0' }}</div>
+          <div class="tdsr__kpi-l">Paid to Government</div>
+        </div>
+        <div class="tdsr__kpi">
+          <div class="tdsr__kpi-n">₹{{ summary.pendingDeposit | number: '1.0-0' }}</div>
+          <div class="tdsr__kpi-l">To pay — still within due date</div>
+        </div>
+        <div class="tdsr__kpi" [class.tdsr__kpi--warn]="summary.overdueAmount > 0">
+          <div class="tdsr__kpi-n">₹{{ summary.overdueAmount | number: '1.0-0' }}</div>
+          <div class="tdsr__kpi-l">Overdue — pay now</div>
+        </div>
+        <div class="tdsr__kpi" [class.tdsr__kpi--warn]="summary.defaultInterest > 0">
+          <div class="tdsr__kpi-n">₹{{ summary.defaultInterest | number: '1.0-0' }}</div>
+          <div class="tdsr__kpi-l">Interest for paying late</div>
+        </div>
+      </div>
+    }
+
+    <!-- Part A: month by month -->
+    <div class="tdsr__card">
+      <div class="tdsr__card-head"><fa-icon icon="receipt"></fa-icon> Part A — month by month</div>
+      <div class="tdsr__table-wrap">
+        <table class="tdsr__table">
+          <thead>
+            <tr>
+              <th>Quarter</th>
+              <th>Deduction month</th>
+              <th class="num">Deducted</th>
+              <th>Pay by</th>
+              <th>Challans</th>
+              <th class="num">Paid</th>
+              <th class="num">Still to pay</th>
+              <th>Status</th>
+              <th class="num">Late interest</th>
+              <th class="col-actions"></th>
+            </tr>
+          </thead>
+          <tbody>
+            @for (row of rows; track trackRow($index, row)) {
+              <tr [class.tdsr__row--warn]="row.late || row.overdue">
+                <td class="small"><strong>{{ quarterLabel[row.quarter] }}</strong></td>
+                <td class="small">
+                  {{ row.month + '-01' | date: 'MMM y' }}
+                  <div class="muted">{{ row.postings }} deduction{{ row.postings === 1 ? '' : 's' }}</div>
+                </td>
+                <td class="num"><strong>₹{{ row.deducted | number: '1.0-2' }}</strong></td>
+                <td class="small">{{ row.dueDate | date: 'd MMM y' }}</td>
+                <td class="mono small">
+                  @for (c of row.challans; track c.id) {
+                    <div>
+                      {{ c.challanNo }} · BSR {{ c.bsrCode }} · {{ c.depositedOn | date: 'd MMM y' }} · ₹{{
+                        c.amount | number: '1.0-2'
+                      }}
+                      <button type="button" class="tdsr__link" (click)="reverseChallan(c)">reverse</button>
+                    </div>
+                  } @empty {
+                    <span class="muted">—</span>
+                  }
+                </td>
+                <td class="num">₹{{ row.deposited | number: '1.0-2' }}</td>
+                <td class="num">
+                  @if (row.outstanding) {
+                    <strong>₹{{ row.outstanding | number: '1.0-2' }}</strong>
+                  } @else if (row.excess) {
+                    <span class="tdsr__warn-text small">₹{{ row.excess | number: '1.0-2' }} paid extra</span>
+                  } @else {
+                    <span class="muted">—</span>
+                  }
+                </td>
+                <td>
+                  @if (row.overdue) {
+                    <span class="tdsr__pill tdsr__pill--warn">Overdue</span>
+                  } @else if (row.late) {
+                    <span class="tdsr__pill tdsr__pill--warn">Paid late by {{ row.delayMonths }}m</span>
+                  } @else if (row.outstanding) {
+                    <span class="tdsr__pill">Within due date</span>
+                  } @else {
+                    <span class="tdsr__pill tdsr__pill--ok">Paid on time</span>
+                  }
+                </td>
+                <td class="num">
+                  @if (row.defaultInterest) {
+                    <strong class="tdsr__warn-text">₹{{ row.defaultInterest | number: '1.0-0' }}</strong>
+                  } @else {
+                    <span class="muted">—</span>
+                  }
+                </td>
+                <td class="col-actions">
+                  @if (row.outstanding) {
+                    <button type="button" class="tdsr__btn tdsr__btn--sm" (click)="openForm(row)">Pay</button>
+                  }
+                </td>
+              </tr>
+            }
+            @if (rows.length === 0) {
+              <tr>
+                <td colspan="10" class="tdsr__empty">
+                  <fa-icon icon="info-circle"></fa-icon>
+                  {{ loading ? 'Loading…' : 'No TDS was deducted from any account in this financial year.' }}
+                </td>
+              </tr>
+            }
+          </tbody>
+        </table>
+      </div>
+      <div class="tdsr__foot">
+        Tax deducted in a month must reach the Government by the seventh of the following month; March runs to 30 April.
+        Interest runs at 1.5% for every month or part of a month it is late.
+      </div>
     </div>
-    <div class="tdsr__foot">
-      The "without deduction" line is not optional — interest paid gross against a declaration must be reported in the
-      quarterly {{ statute.statement }} return with the appropriate remark code, and the consolidated statement of
-      declarations received is uploaded {{ statute.frequency }}. Confirm the remark code against the current
-      specification before generating the file.
-    </div>
-  </div>
+
+    <!-- Part B: return summary -->
+    @if (summary) {
+      <div class="tdsr__card">
+        <div class="tdsr__card-head">
+          <fa-icon icon="file-alt"></fa-icon> Part B — {{ statute.statement }} year-end position
+        </div>
+        <div class="tdsr__ledger">
+          <div class="tdsr__ledger-row">
+            <span>Deductees (customers with an FD/RD)</span>
+            <span class="num">{{ summary.deductees | number }}</span>
+          </div>
+          <div class="tdsr__ledger-row">
+            <span>Total interest paid on time deposits</span>
+            <span class="num">₹{{ summary.totalInterestPaid | number: '1.0-0' }}</span>
+          </div>
+          <div class="tdsr__ledger-row tdsr__ledger-row--indent">
+            <span>with tax deducted</span>
+            <span class="num">₹{{ summary.interestWithDeduction | number: '1.0-0' }}</span>
+          </div>
+          <div class="tdsr__ledger-row tdsr__ledger-row--indent">
+            <span>
+              without deduction — declaration on record
+              <em>mandatory disclosure in {{ statute.statement }}</em>
+            </span>
+            <span class="num">₹{{ summary.interestWithoutDeduction | number: '1.0-0' }}</span>
+          </div>
+
+          <div class="tdsr__ledger-row tdsr__ledger-row--sep">
+            <span>TDS at standard rate — PAN on record</span>
+            <span class="num">₹{{ summary.tdsAtStandardRate | number: '1.0-0' }}</span>
+          </div>
+          <div class="tdsr__ledger-row">
+            <span>TDS at higher rate — no PAN on record</span>
+            <span class="num">₹{{ summary.tdsAtHigherRate | number: '1.0-0' }}</span>
+          </div>
+
+          <div class="tdsr__ledger-row tdsr__ledger-row--total">
+            <span>Total TDS deducted</span>
+            <span class="num">₹{{ summary.totalDeducted | number: '1.0-0' }}</span>
+          </div>
+          <div class="tdsr__ledger-row">
+            <span>Paid to Government</span>
+            <span class="num">₹{{ summary.totalDeposited | number: '1.0-0' }}</span>
+          </div>
+          <div class="tdsr__ledger-row">
+            <span>Still within due date</span>
+            <span class="num">₹{{ summary.pendingDeposit | number: '1.0-0' }}</span>
+          </div>
+          <div class="tdsr__ledger-row tdsr__ledger-row--control" [class.tdsr__ledger-row--bad]="!reconciled">
+            <span>Difference — must be zero</span>
+            <span class="num">₹{{ summary.difference | number: '1.0-0' }}</span>
+          </div>
+
+          @if (summary.defaultInterest > 0) {
+            <div class="tdsr__ledger-row tdsr__ledger-row--sep">
+              <span>Interest payable by the bank for late deposit</span>
+              <span class="num">₹{{ summary.defaultInterest | number: '1.0-0' }}</span>
+            </div>
+          }
+        </div>
+        <div class="tdsr__foot">
+          The "without deduction" line is not optional — interest paid gross against a declaration must be reported in the
+          quarterly {{ statute.statement }} return with the appropriate remark code, and the consolidated statement of
+          declarations received is uploaded {{ statute.frequency }}. Confirm the remark code against the current
+          specification before generating the file.
+        </div>
+      </div>
+    }
+  }
 </div>

src/app/tds-reports/tds-remittance-report.component.ts

@@ -6,17 +6,25 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { Component, inject } from '@angular/core';
+import { Component, OnInit, inject } from '@angular/core';
 import { FormsModule } from '@angular/forms';
 import { FaIconComponent } from '@fortawesome/angular-fontawesome';
 import { STANDALONE_SHARED_IMPORTS } from 'app/standalone-shared.module';
 import * as ExcelJS from 'exceljs';
+import { forkJoin } from 'rxjs';
 
 import { BranchScopeService } from '../core/branch-scope.service';
 import { FY_TAX_CONFIG, QUARTER_LABEL } from '../letter-mgmt/certificates/form-15gh/tds-15gh.compute';
-import { TDS_AS_AT, tdsFys } from './tds-reports-data';
+import { TdsChallan, TdsDeductedMonth, setTdsDeductees, tdsFys } from './tds-reports-data';
+import { NewTdsChallan, TdsReportsService } from './tds-reports.service';
 import { Tds26qSummary, TdsRemittanceRow, tds26qSummary, tdsRemittanceRows } from './tds-reports.compute';
 
+/**
+ * Tax deducted against tax remitted, month by month, for Head Office.
+ *
+ * The deducted side is the withhold-tax postings on deposits; the remitted side is the challans
+ * entered here. Both are records — nothing on this page is worked out from a rate.
+ */
 @Component({
   selector: 'mifosx-tds-remittance-report',
   templateUrl: './tds-remittance-report.component.html',
@@ -27,22 +35,83 @@ import { Tds26qSummary, TdsRemittanceRow, tds26qSummary, tdsRemittanceRows } fro
     FormsModule
   ]
 })
-export class TdsRemittanceReportComponent {
+export class TdsRemittanceReportComponent implements OnInit {
   private scope = inject(BranchScopeService);
+  private tdsService = inject(TdsReportsService);
 
   /** Filled by the route resolver from Organization › TDS Configuration. */
   readonly financialYears = tdsFys();
   readonly quarterLabel = QUARTER_LABEL;
-  readonly asAt = TDS_AS_AT;
 
   fy = tdsFys()[0] ?? '';
   exporting = false;
+  loading = false;
+  loadError = '';
+
+  /** The business date the platform is on — what "overdue" is judged against. */
+  asAt = '';
+  private deducted: TdsDeductedMonth[] = [];
+  challans: TdsChallan[] = [];
+  rows: TdsRemittanceRow[] = [];
+  summary: Tds26qSummary | null = null;
+
+  paidFromOptions: { id: number; glCode: string; name: string }[] = [];
+  showForm = false;
+  saving = false;
+  formError = '';
+  form: NewTdsChallan = this.blankForm();
+
+  /** Challans are remitted by Head Office under the bank's one TAN; a branch has nothing to enter here. */
+  get isHeadOffice(): boolean {
+    return this.scope.isHeadOffice;
+  }
+
+  ngOnInit(): void {
+    if (!this.isHeadOffice || !this.fy) {
+      return;
+    }
+    this.load();
+    this.tdsService.getChallanTemplate().subscribe({
+      next: (t) => (this.paidFromOptions = t?.paidFromOptions || []),
+      error: () => (this.paidFromOptions = [])
+    });
+  }
+
+  load(): void {
+    this.loading = true;
+    this.loadError = '';
+    const openingYear = Number(this.fy.slice(0, 4));
+    forkJoin({
+      deducted: this.tdsService.getDeducted(this.fy),
+      challans: this.tdsService.getChallans(this.fy),
+      // Part B summarises the year per customer, so the interest register is loaded too.
+      deductees: this.tdsService.getDepositInterest(openingYear)
+    }).subscribe({
+      next: ({ deducted, challans, deductees }) => {
+        this.loading = false;
+        this.asAt = deducted.asAt;
+        this.deducted = deducted.months;
+        this.challans = challans;
+        setTdsDeductees(deductees);
+        this.recompute();
+      },
+      error: (err: any) => {
+        this.loading = false;
+        this.loadError = err?.error?.defaultUserMessage || 'Could not load the remittance position.';
+      }
+    });
+  }
+
+  private recompute(): void {
+    this.rows = tdsRemittanceRows(this.fy, this.deducted, this.challans, this.asAt);
+    this.summary = tds26qSummary(this.fy, this.rows, this.asAt);
+  }
+
+  onYearChanged(): void {
+    this.showForm = false;
+    this.load();
+  }
 
-  /**
-   * Provision and return references for the selected year. The quarterly return
-   * became Form 140 under the 2025 Act, so the labels are read from the config
-   * rather than written into the template.
-   */
   get statute(): { section: string; statement: string; frequency: string } {
     const cfg = FY_TAX_CONFIG[this.fy];
     return {
@@ -52,53 +121,85 @@ export class TdsRemittanceReportComponent {
     };
   }
 
-  get scopeLabel(): string {
-    return this.scope.isHeadOffice ? 'Bank as a whole' : this.scope.officeName;
-  }
-
-  get rows(): TdsRemittanceRow[] {
-    return tdsRemittanceRows(this.fy, this.asAt);
-  }
-
-  get summary(): Tds26qSummary {
-    return tds26qSummary(this.fy, this.asAt);
-  }
-
-  /**
-   * The control that matters. Tax deducted must equal tax deposited plus tax
-   * still within its due date. Anything else means something has gone missing
-   * and must be found before the return is filed.
-   */
   get reconciled(): boolean {
-    return this.summary.difference === 0;
+    return !!this.summary && Math.abs(this.summary.difference) < 1;
   }
 
-  get totalDefaultInterest(): number {
-    return this.summary.defaultInterest;
+  /** Opens the challan form, pre-filled for a month that still has tax outstanding. */
+  openForm(row?: TdsRemittanceRow): void {
+    this.form = this.blankForm();
+    if (row) {
+      this.form.month = row.month;
+      this.form.amount = row.outstanding;
+    }
+    this.formError = '';
+    this.showForm = true;
+  }
+
+  saveChallan(): void {
+    this.formError = '';
+    const f = this.form;
+    if (!f.month || !f.amount || !f.challanNo || !f.bsrCode || !f.depositedOn || !f.paidFromGlAccountId) {
+      this.formError = 'Fill in every field marked *.';
+      return;
+    }
+    this.saving = true;
+    this.tdsService.createChallan({ ...f, fy: this.fy, amount: Number(f.amount) }).subscribe({
+      next: (challans) => {
+        this.saving = false;
+        this.showForm = false;
+        this.challans = challans;
+        this.recompute();
+      },
+      error: (err: any) => {
+        this.saving = false;
+        this.formError = err?.error?.errors?.[0]?.defaultUserMessage || err?.error?.defaultUserMessage || 'Could not save.';
+      }
+    });
+  }
+
+  reverseChallan(c: TdsChallan): void {
+    if (!confirm(`Reverse challan ${c.challanNo} for ₹${c.amount}? Its accounting entry will be undone.`)) {
+      return;
+    }
+    this.tdsService.reverseChallan(c.id).subscribe({
+      next: (challans) => {
+        this.challans = challans;
+        this.recompute();
+      },
+      error: (err: any) => alert(err?.error?.defaultUserMessage || 'Could not reverse the challan.')
+    });
+  }
+
+  private blankForm(): NewTdsChallan {
+    return { fy: this.fy, month: '', amount: 0, challanNo: '', bsrCode: '', depositedOn: '', paidFromGlAccountId: 0, remarks: '' };
   }
 
   trackRow(_: number, row: TdsRemittanceRow): string {
-    return `${row.fy}-${row.quarter}`;
+    return row.month;
   }
 
   async exportWorkbook(): Promise<void> {
+    const s = this.summary;
+    if (!s) {
+      return;
+    }
     this.exporting = true;
     try {
-      const s = this.summary;
       const wb = new ExcelJS.Workbook();
 
       const challan = wb.addWorksheet('Challans');
       challan.addRow([`TDS remitted to Government — FY ${this.fy}`]);
-      challan.addRow([`Scope: ${this.scopeLabel} · as at ${this.asAt}`]);
+      challan.addRow([`Bank as a whole · as at ${this.asAt}`]);
       challan.addRow([]);
       challan.addRow([
         'Quarter',
         'Deduction month',
-        'Amount deducted',
+        'Deducted',
         'Due date',
-        'Deposited on',
-        'Challan no.',
-        'BSR code',
+        'Deposited',
+        'Challans',
+        'Outstanding',
         'Status',
         'Delay (months)',
         'Late-deposit interest',
@@ -108,12 +209,12 @@ export class TdsRemittanceReportComponent {
         challan.addRow([
           `Q${r.quarter}`,
           r.month,
-          r.amount,
+          r.deducted,
           r.dueDate,
-          r.depositedOn ?? 'PENDING',
-          r.challanNo ?? '',
-          r.bsrCode ?? '',
-          r.overdue ? 'OVERDUE' : r.late ? 'LATE' : r.depositedOn ? 'On time' : 'Within due date',
+          r.deposited,
+          r.challans.map((c) => `${c.challanNo} / BSR ${c.bsrCode} / ${c.depositedOn}`).join('; '),
+          r.outstanding,
+          r.overdue ? 'OVERDUE' : r.late ? 'LATE' : r.outstanding ? 'Within due date' : 'Deposited',
           r.delayMonths || '',
           r.defaultInterest || '',
           r.returnDueDate
@@ -127,58 +228,19 @@ export class TdsRemittanceReportComponent {
       recon.addRow([`${this.statute.statement} year-end position — FY ${this.fy}`]);
       recon.addRow([]);
       const lines: [string, number | string][] = [
-        [
-          'Deductees',
-          s.deductees
-        ],
-        [
-          'Total interest paid on time deposits',
-          s.totalInterestPaid
-        ],
-        [
-          '  — with tax deducted',
-          s.interestWithDeduction
-        ],
-        [
-          '  — without deduction (declaration on record)',
-          s.interestWithoutDeduction
-        ],
-        [
-          'TDS at standard rate (PAN on record)',
-          s.tdsAtStandardRate
-        ],
-        [
-          'TDS at higher rate (no PAN)',
-          s.tdsAtHigherRate
-        ],
-        [
-          'Total TDS deducted',
-          s.totalDeducted
-        ],
-        [
-          'Total deposited with Government',
-          s.totalDeposited
-        ],
-        [
-          'Still within due date',
-          s.pendingDeposit
-        ],
-        [
-          'DIFFERENCE (must be zero)',
-          s.difference
-        ],
-        [
-          'Interest payable for late deposit',
-          s.defaultInterest
-        ],
-        [
-          'Challans deposited late',
-          s.lateChallans
-        ],
-        [
-          'Challans overdue',
-          s.overdueChallans
-        ]
+        ['Deductees', s.deductees],
+        ['Total interest paid on time deposits', s.totalInterestPaid],
+        ['  — with tax deducted', s.interestWithDeduction],
+        ['  — without deduction (declaration on record)', s.interestWithoutDeduction],
+        ['TDS at standard rate (PAN on record)', s.tdsAtStandardRate],
+        ['TDS at higher rate (no PAN)', s.tdsAtHigherRate],
+        ['TDS due by the rules', s.calculatedTds],
+        ['Total TDS actually deducted', s.totalDeducted],
+        ['Total deposited with Government', s.totalDeposited],
+        ['Still within due date', s.pendingDeposit],
+        ['Overdue', s.overdueAmount],
+        ['DIFFERENCE (must be zero)', s.difference],
+        ['Interest payable for late deposit', s.defaultInterest]
       ];
       for (const line of lines) {
         recon.addRow(line);

src/app/tds-reports/tds-reports-data.ts

@@ -7,22 +7,16 @@
  */
 
 /**
- * Deductees and their deposit interest, for the two TDS reports.
+ * Deductees, their deposit interest and the challans, for the two TDS reports.
  *
- * The bank's deduction obligation runs on time deposits, so the seed
- * gives each customer a mix of fixed and recurring deposits — and some savings
- * accounts, which are outside the section and must stay out of the aggregate.
- *
- * Everything is generated from a fixed seed so the figures do not move between
- * loads, and the challan schedule is deliberately imperfect: one quarter is
- * deposited late so the default-interest column has something to show.
+ * Everything here is what the platform returned. The challans used to be generated from the
+ * computed deductions - challan numbers, BSR codes and deposit dates made up, one quarter
+ * deliberately late - so the remittance report reconciled against figures nobody had entered.
  */
 
-import { GL_BRANCHES } from '../gl-reports/gl-reports-data';
 import {
   configuredFys,
   Declaration,
-  Form15Kind,
   InterestCredit,
   TdsAccountInput
 } from '../letter-mgmt/certificates/form-15gh/tds-15gh.compute';
@@ -32,8 +26,14 @@ export function tdsFys(): string[] {
   return configuredFys();
 }
 
-/** Business date the book is drawn to — Q1 of 2026-27 is closed, Q2 is running. */
-export const TDS_AS_AT = '2026-08-01';
+/** A deposit as the platform reports it: the interest credited and the TDS actually withheld. */
+export interface TdsReportAccount extends TdsAccountInput {
+  /** TDS the platform actually deducted from this account in the year. */
+  deductions: InterestCredit[];
+  /** The account's own holder, when the tax is deducted against somebody else (minor, joint). */
+  holderClientId?: number;
+  holderName?: string;
+}
 
 export interface TdsDeductee {
   clientId: number;
@@ -44,115 +44,35 @@ export interface TdsDeductee {
   branchCode: string;
   /** Declarations on record, keyed by financial year. */
   declarations: Record<string, Declaration>;
-  accounts: TdsAccountInput[];
+  accounts: TdsReportAccount[];
 }
 
-/** One month's remittance of deducted tax to the Government. */
+/** One challan Head Office entered: tax remitted to the Government. */
 export interface TdsChallan {
+  id: number;
   fy: string;
-  /** Quarter the deduction belongs to. */
-  quarter: 1 | 2 | 3 | 4;
   /** Month the tax was deducted in, e.g. '2026-06'. */
   month: string;
   amount: number;
-  /** Statutory date by which it had to be deposited. */
-  dueDate: string;
-  /** When it actually reached the Government — null while still pending. */
-  depositedOn: string | null;
-  challanNo: string | null;
-  bsrCode: string | null;
+  challanNo: string;
+  bsrCode: string;
+  depositedOn: string;
+  paidFrom: string;
+  remarks: string | null;
+  reversed: boolean;
 }
 
-/** Deterministic linear congruential generator — same figures on every load. */
-function lcg(seed: number): () => number {
-  let s = seed >>> 0;
-  return () => {
-    s = (Math.imul(s, 1664525) + 1013904223) >>> 0;
-    return s / 4294967296;
-  };
-}
-
-function pick<T>(rand: () => number, list: T[]): T {
-  return list[Math.floor(rand() * list.length)];
-}
-
-const FIRST_NAMES = [
-  'Ramesh',
-  'Sunita',
-  'Vitthal',
-  'Kamala',
-  'Ganpat',
-  'Shobha',
-  'Dnyaneshwar',
-  'Mangala',
-  'Bhaskar',
-  'Anita',
-  'Tukaram',
-  'Sarika',
-  'Nivrutti',
-  'Rekha',
-  'Popat',
-  'Chhaya',
-  'Ashok',
-  'Vaishali',
-  'Sitaram',
-  'Jayshree',
-  'Madhukar',
-  'Pushpa',
-  'Eknath',
-  'Sulochana',
-  'Hanumant',
-  'Kalpana'
-];
-
-const SURNAMES = [
-  'Jadhav',
-  'Pawar',
-  'Shinde',
-  'Gaikwad',
-  'More',
-  'Kadam',
-  'Bhosale',
-  'Patil',
-  'Sawant',
-  'Chavan',
-  'Salunkhe',
-  'Mane',
-  'Deshmukh',
-  'Thorat',
-  'Nikam',
-  'Wagh'
-];
-
-/**
- * Quarter-end dates for a financial year. Interest is credited on these, which
- * is what makes the deduction fall due.
- */
-function quarterEnds(fy: string): string[] {
-  const y = Number(fy.slice(0, 4));
-  return [
-    `${y}-06-30`,
-    `${y}-09-30`,
-    `${y}-12-31`,
-    `${y + 1}-03-31`
-  ];
-}
-
-/** A well-formed individual PAN — fourth character 'P'. */
-function makePan(rand: () => number, surname: string): string {
-  const letter = () => String.fromCharCode(65 + Math.floor(rand() * 26));
-  const digits = `${1000 + Math.floor(rand() * 9000)}`;
-  return `${letter()}${letter()}${letter()}P${surname[0].toUpperCase()}${digits}${letter()}`;
+/** Tax the platform withheld in one month. */
+export interface TdsDeductedMonth {
+  month: string;
+  amount: number;
+  postings: number;
 }
 
 /**
  * The deductees the reports run on, loaded from the platform.
  *
- * This used to be sixty-four customers generated from a fixed seed — names, PANs, deposits and all.
- * The computation over them is the real section 194A calculation, so the figures looked like a
- * filing and were not one: not a rupee of it came from the bank's own books.
- *
- * It is set once by whoever loads the screen and read by the pure computation below, which is why
+ * It is set once by whoever loads the screen and read by the pure computation, which is why
  * this is a module-level holder rather than a service the compute would have to inject.
  */
 let liveDeductees: TdsDeductee[] = [];
@@ -188,63 +108,3 @@ export function depositDueDate(month: string): string {
   const nextM = m === 12 ? 1 : m + 1;
   return `${nextY}-${`${nextM}`.padStart(2, '0')}-07`;
 }
-
-let challanCache: Record<string, TdsChallan[]> | null = null;
-
-/**
- * The remittance schedule, derived from what the engine says was deducted.
- *
- * Deductions land at each quarter end, so there is one challan per quarter. The
- * Q2 challan of the prior year is deliberately deposited a month and a bit late
- * so the late-deposit interest column is exercised, and the current year's latest
- * quarter is left pending, which is the ordinary state of a live book.
- */
-export function tdsChallans(deductedByQuarter: Record<string, Record<number, number>>): Record<string, TdsChallan[]> {
-  if (challanCache) {
-    return challanCache;
-  }
-  const out: Record<string, TdsChallan[]> = {};
-
-  for (const fy of Object.keys(deductedByQuarter)) {
-    const y = Number(fy.slice(0, 4));
-    const months: Record<number, string> = {
-      1: `${y}-06`,
-      2: `${y}-09`,
-      3: `${y}-12`,
-      4: `${y + 1}-03`
-    };
-    const rows: TdsChallan[] = [];
-
-    for (const q of [
-      1,
-      2,
-      3,
-      4
-    ] as (1 | 2 | 3 | 4)[]) {
-      const amount = Math.round(deductedByQuarter[fy]?.[q] ?? 0);
-      if (amount <= 0) {
-        continue;
-      }
-      const month = months[q];
-      const dueDate = depositDueDate(month);
-      // Anything falling after the business date has not been deposited yet.
-      const pending = dueDate > TDS_AS_AT;
-      const late = fy === '2025-26' && q === 2;
-
-      rows.push({
-        fy,
-        quarter: q,
-        month,
-        amount,
-        dueDate,
-        depositedOn: pending ? null : late ? `${y}-11-14` : dueDate,
-        challanNo: pending ? null : `${y}${q}${`${amount % 10000}`.padStart(4, '0')}`,
-        bsrCode: pending ? null : '0510308'
-      });
-    }
-    out[fy] = rows;
-  }
-
-  challanCache = out;
-  return out;
-}

src/app/tds-reports/tds-reports.compute.spec.ts

@@ -6,13 +6,10 @@
  * file, You can obtain one at http://mozilla.org/MPL/2.0/.
  */
 
-import { isTdsApplicable, tdsDeducteeOf } from '../letter-mgmt/certificates/form-15gh/tds-15gh.compute';
 import { installTdsConfigFixture } from '../letter-mgmt/certificates/form-15gh/tds-config.fixture';
-import { TDS_AS_AT, depositDueDate, tdsDeductees, tdsFys } from './tds-reports-data';
+import { TdsChallan, TdsDeductee, depositDueDate, setTdsDeductees } from './tds-reports-data';
 import {
-  NEAR_THRESHOLD_BAND,
   TdsReportFilter,
-  deductedByQuarter,
   tds26qSummary,
   tdsInterestRows,
   tdsInterestRowsForFy,
@@ -22,12 +19,81 @@ import {
 
 installTdsConfigFixture();
 
-/** The complete year in the seed — the one a return would be filed for. */
-const CLOSED_FY = '2025-26';
+/**
+ * A small book with every case the reports must handle once, so each figure below can be worked
+ * out by hand. The reports used to run on sixty-four generated customers; the tests asserted
+ * shapes ("some row crossed") because nobody could know the numbers.
+ */
+const FY = '2025-26';
+const Q = ['2025-06-30', '2025-09-30', '2025-12-31', '2026-03-31'];
+
+const fd = (id: number, amounts: number[], extra: object = {}) => ({
+  id,
+  accountNo: `FD${id}`,
+  depositTypeCode: 'depositAccountType.fixedDeposit',
+  credits: amounts.map((amount, i) => ({ date: Q[i], amount, accountNo: `FD${id}` })),
+  deductions: [] as { date: string; amount: number }[],
+  ...extra
+});
+
+const sb = (id: number, amount: number) => ({
+  id,
+  accountNo: `SB${id}`,
+  depositTypeCode: 'depositAccountType.savingsDeposit',
+  credits: [{ date: '2025-09-30', amount, accountNo: `SB${id}` }],
+  deductions: [] as { date: string; amount: number }[]
+});
+
+function person(
+  clientId: number,
+  name: string,
+  dob: string,
+  pan: string,
+  branch: string,
+  accounts: any[],
+  declarations = {}
+): TdsDeductee {
+  return {
+    clientId,
+    customerId: `C${clientId}`,
+    name,
+    pan,
+    dob,
+    branchCode: branch,
+    declarations,
+    accounts: accounts.map((a) => ({ clientId, ...a }))
+  };
+}
+
+const BOOK: TdsDeductee[] = [
+  // Over the limit in Q4, plus a savings account that must stay outside the figure.
+  person(1, 'Ramesh', '1980-05-01', 'ABCPR1234K', 'Head Office', [
+    { ...fd(11, [15_000, 15_000, 15_000, 15_000]), deductions: [{ date: Q[3], amount: 6_000 }] },
+    sb(12, 1_200)
+  ]),
+  // Senior citizen, no PAN: higher threshold, higher rate - and the platform deducted too little.
+  person(2, 'Sunita', '1955-01-01', '', 'bhopal', [
+    { ...fd(21, [30_000, 30_000, 30_000, 30_000]), deductions: [{ date: Q[3], amount: 20_000 }] }
+  ]),
+  // ₹6,000 short of the limit: the customer to ask for a declaration.
+  person(3, 'Vitthal', '1985-03-03', 'ABCPV5678L', 'bhopal', [fd(31, [22_000, 22_000])]),
+  // Declaration accepted mid-year: interest before it stays liable, interest after it is paid gross.
+  person(4, 'Kamala', '1979-07-07', 'ABCPK9012M', 'Head Office', [fd(41, [20_000, 20_000, 20_000, 20_000])], {
+    [FY]: { kind: '15G', acceptedOn: '2025-10-15', fy: FY, uin: 'UIN0001' }
+  }),
+  // A minor's deposit, already listed under the guardian by the platform.
+  person(5, 'Ganpat', '1975-02-02', 'ABCPG3456N', 'Head Office', [
+    { ...fd(51, [5_000]), holderClientId: 99, holderName: 'Baby Ganpat' }
+  ]),
+  // Savings only, no PAN: never deducted, so never counted as a no-PAN problem.
+  person(6, 'Shobha', '1990-09-09', '', 'Head Office', [sb(61, 900)])
+];
+
+setTdsDeductees(BOOK);
 
 function filter(overrides: Partial<TdsReportFilter> = {}): TdsReportFilter {
   return {
-    fy: CLOSED_FY,
+    fy: FY,
     branchCode: '',
     quarter: 0,
     band: '',
@@ -38,115 +104,94 @@ function filter(overrides: Partial<TdsReportFilter> = {}): TdsReportFilter {
   };
 }
 
-describe('the seed has every case the reports need to show', () => {
-  it('produces deductees on both sides of the threshold', () => {
-    const rows = tdsInterestRowsForFy(CLOSED_FY);
-    expect(rows.length).toBeGreaterThan(20);
-    expect(rows.some((r) => r.crossed)).toBe(true);
-    expect(rows.some((r) => !r.crossed)).toBe(true);
-    expect(rows.some((r) => r.nearThreshold)).toBe(true);
-    expect(rows.some((r) => r.band === 'GENERAL')).toBe(true);
-    expect(rows.some((r) => r.band === 'SENIOR')).toBe(true);
-    expect(rows.some((r) => !r.panOnRecord)).toBe(true);
-    expect(rows.some((r) => r.hasDeclaration)).toBe(true);
+const row = (name: string) => tdsInterestRowsForFy(FY).find((r) => r.deductee.name === name)!;
+
+describe('which accounts are tracked', () => {
+  it('counts the FD and leaves the savings account out, saying why', () => {
+    const r = row('Ramesh');
+    expect(r.tdsApplicableInterest).toBe(60_000);
+    expect(r.exemptInterest).toBe(1_200);
+    expect(r.trackedAccounts).toBe(1);
+    const savings = r.accounts.find((a) => a.type === 'SB')!;
+    expect(savings.tracked).toBe(false);
+    expect(savings.reason).toContain('Savings');
+    expect(r.accounts[0].type).toBe('FD');
   });
 
-  it('gives senior citizens the higher threshold', () => {
-    const rows = tdsInterestRowsForFy(CLOSED_FY);
-    for (const row of rows) {
-      expect(row.threshold).toBe(row.band === 'SENIOR' ? 100_000 : 50_000);
-    }
+  it('shows whose account a deposit is when the tax falls on the guardian', () => {
+    const line = row('Ganpat').accounts[0];
+    expect(line.tracked).toBe(true);
+    expect(line.holderName).toBe('Baby Ganpat');
   });
 
-  it('deducts at the higher rate wherever PAN is missing', () => {
-    for (const row of tdsInterestRowsForFy(CLOSED_FY)) {
-      expect(row.rateApplied).toBe(row.panOnRecord ? 0.1 : 0.2);
-    }
+  it('marks a savings-only customer as not tracked', () => {
+    expect(row('Shobha').trackedAccounts).toBe(0);
   });
 });
 
-describe('the reports follow the Act that governed each year', () => {
-  it('shows 15G / 15H for FY 2025-26 and Form 121 for FY 2026-27', () => {
-    const old = tdsInterestRowsForFy('2025-26');
-    expect(old.some((r) => r.form === '15G')).toBe(true);
-    expect(old.some((r) => r.form === '15H')).toBe(true);
-    expect(old.some((r) => r.form === '121')).toBe(false);
-
-    // The two forms merged on 01 April 2026.
-    const current = tdsInterestRowsForFy('2026-27');
-    expect(current.every((r) => r.form === '121')).toBe(true);
+describe('the threshold and the rate', () => {
+  it('deducts on the whole year once the general limit is crossed', () => {
+    const r = row('Ramesh');
+    expect(r.threshold).toBe(50_000);
+    expect(r.crossedInQuarter).toBe(4);
+    expect(r.schedule.totalTds).toBe(6_000);
   });
 
-  it('keeps the age-based threshold band in both years', () => {
-    for (const fy of tdsFys()) {
-      const rows = tdsInterestRowsForFy(fy);
-      expect(rows.some((r) => r.band === 'SENIOR')).toBe(true);
-      expect(rows.some((r) => r.band === 'GENERAL')).toBe(true);
-      for (const row of rows) {
-        expect(row.threshold).toBe(row.band === 'SENIOR' ? 100_000 : 50_000);
-      }
-    }
+  it('gives a senior the higher limit, and a missing PAN the higher rate', () => {
+    const r = row('Sunita');
+    expect(r.band).toBe('SENIOR');
+    expect(r.threshold).toBe(100_000);
+    expect(r.rateApplied).toBe(0.2);
+    expect(r.schedule.totalTds).toBe(24_000);
+  });
+
+  it('flags a customer just under the limit', () => {
+    const r = row('Vitthal');
+    expect(r.crossed).toBe(false);
+    expect(r.nearThreshold).toBe(true);
+    expect(r.headroom).toBe(6_000);
+    expect(r.schedule.totalTds).toBe(0);
   });
 });
 
-describe('savings interest stays out of the 194A aggregate', () => {
-  it('reports it separately and never inside the applicable interest', () => {
-    const rows = tdsInterestRowsForFy(CLOSED_FY);
-    const withSavings = rows.filter((r) => r.exemptInterest > 0);
-    expect(withSavings.length).toBeGreaterThan(0);
+describe('a mid-year declaration', () => {
+  it('taxes only the interest credited before it was accepted', () => {
+    const r = row('Kamala');
+    expect(r.hasDeclaration).toBe(true);
+    // ₹40,000 credited before 15 Oct is liable once the year's ₹80,000 crosses the limit.
+    expect(r.schedule.totalTds).toBe(4_000);
+    expect(r.tdsSaved).toBe(4_000);
+    expect(r.paidWithoutDeduction).toBe(40_000);
+  });
+});
 
-    for (const row of withSavings) {
-      // The applicable figure must equal only the time-deposit interest where
-      // this customer is the deductee.
-      const expected = row.deductee.accounts
-        .filter((a) => isTdsApplicable(a) && tdsDeducteeOf(a) === row.deductee.clientId)
-        .flatMap((a) => a.credits)
-        .filter((c) => c.date >= '2025-04-01' && c.date <= '2026-03-31')
-        .reduce((s, c) => s + c.amount, 0);
-      expect(row.tdsApplicableInterest).toBe(expected);
-    }
+describe('due against actually deducted', () => {
+  it('agrees where the platform deducted the right amount', () => {
+    expect(row('Ramesh').actualTds).toBe(6_000);
   });
 
-  it('leaves the savings totals out of the summary base', () => {
+  it('shows the gap where it did not', () => {
+    const r = row('Sunita');
+    expect(r.actualTds).toBe(20_000);
+    expect(r.schedule.totalTds - r.actualTds).toBe(4_000);
+  });
+
+  it('totals both in the summary', () => {
     const s = tdsInterestSummary(filter());
-    expect(s.exemptInterest).toBeGreaterThan(0);
-    expect(s.applicableInterest).toBe(tdsInterestRows(filter()).reduce((acc, r) => acc + r.tdsApplicableInterest, 0));
+    expect(s.totalTds).toBe(6_000 + 24_000 + 4_000);
+    expect(s.actualTds).toBe(26_000);
   });
 });
 
-describe('joint deposits are attributed to the first-named holder only', () => {
-  it('excludes second-holder interest from the aggregate and shows it apart', () => {
-    const rows = tdsInterestRowsForFy(CLOSED_FY);
-    const secondHolders = rows.filter((r) => r.jointHeldInterest > 0);
-    expect(secondHolders.length).toBeGreaterThan(0);
-
-    for (const row of secondHolders) {
-      const jointAccounts = row.deductee.accounts.filter(
-        (a) => isTdsApplicable(a) && tdsDeducteeOf(a) !== row.deductee.clientId
-      );
-      expect(jointAccounts.length).toBeGreaterThan(0);
-      // None of that interest may appear in the figure the threshold is tested
-      // against, or one deposit would be taxed against two people.
-      const jointTotal = jointAccounts
-        .flatMap((a) => a.credits)
-        .filter((c) => c.date >= '2025-04-01' && c.date <= '2026-03-31')
-        .reduce((s, c) => s + c.amount, 0);
-      expect(row.jointHeldInterest).toBe(jointTotal);
-      expect(row.tdsApplicableInterest).toBeLessThan(row.tdsApplicableInterest + jointTotal);
-    }
-  });
-});
-
-describe('quarter figures add up to the year', () => {
-  it('per row', () => {
-    for (const row of tdsInterestRowsForFy(CLOSED_FY)) {
-      const quarterInterest = row.quarters[1] + row.quarters[2] + row.quarters[3] + row.quarters[4];
-      expect(quarterInterest).toBe(row.tdsApplicableInterest);
-      expect(row.schedule.lines.reduce((s, l) => s + l.tds, 0)).toBe(row.schedule.totalTds);
-    }
+describe('the summary', () => {
+  it('counts a missing PAN only where a deposit is being tracked', () => {
+    const s = tdsInterestSummary(filter());
+    expect(s.noPan).toBe(1);
+    expect(s.trackedCustomers).toBe(5);
+    expect(s.exemptInterest).toBe(2_100);
   });
 
-  it('and across the summary', () => {
+  it('adds the quarters up to the year', () => {
     const s = tdsInterestSummary(filter());
     expect(s.byQuarter.reduce((acc, q) => acc + q.interest, 0)).toBe(s.applicableInterest);
     expect(s.byQuarter.reduce((acc, q) => acc + q.tds, 0)).toBe(s.totalTds);
@@ -154,151 +199,116 @@ describe('quarter figures add up to the year', () => {
 });
 
 describe('filters', () => {
-  it("narrows to a branch without changing anyone's figures", () => {
-    const all = tdsInterestRows(filter());
-    const branch = all[0].branchCode;
-    const scoped = tdsInterestRows(filter({ branchCode: branch }));
-    expect(scoped.length).toBeGreaterThan(0);
-    expect(scoped.every((r) => r.branchCode === branch)).toBe(true);
-    // A branch view must not re-aggregate — the threshold is computed bank-wide.
-    const sample = scoped[0];
-    const sameRow = all.find((r) => r.deductee.customerId === sample.deductee.customerId);
-    expect(sample.tdsApplicableInterest).toBe(sameRow?.tdsApplicableInterest);
+  it('narrows to a branch by office name, whatever its case, without re-aggregating', () => {
+    const scoped = tdsInterestRows(filter({ branchCode: 'BHOPAL' }));
+    expect(scoped.map((r) => r.deductee.name).sort()).toEqual(['Sunita', 'Vitthal']);
+    expect(scoped.find((r) => r.deductee.name === 'Sunita')!.schedule.totalTds).toBe(24_000);
   });
 
-  it('finds the customers worth chasing a declaration from', () => {
-    const near = tdsInterestRows(filter({ nearThresholdOnly: true }));
-    expect(near.length).toBeGreaterThan(0);
-    for (const row of near) {
-      expect(row.crossed).toBe(false);
-      expect(row.headroom).toBeGreaterThan(0);
-      expect(row.headroom).toBeLessThanOrEqual(NEAR_THRESHOLD_BAND);
-    }
+  it('finds the customers near the limit and those over it', () => {
+    expect(tdsInterestRows(filter({ nearThresholdOnly: true })).map((r) => r.deductee.name)).toEqual(['Vitthal']);
+    expect(
+      tdsInterestRows(filter({ crossedOnly: true }))
+        .map((r) => r.deductee.name)
+        .sort()
+    ).toEqual(['Kamala', 'Ramesh', 'Sunita']);
   });
 
-  it('narrows to customers who crossed', () => {
-    const crossed = tdsInterestRows(filter({ crossedOnly: true }));
-    expect(crossed.length).toBeGreaterThan(0);
-    expect(crossed.every((r) => r.crossed && r.tdsApplicableInterest > r.threshold)).toBe(true);
-  });
-
-  it('searches on name, CIF and PAN', () => {
-    const target = tdsInterestRowsForFy(CLOSED_FY).find((r) => r.panOnRecord)!;
-    expect(tdsInterestRows(filter({ search: target.deductee.customerId })).length).toBe(1);
-    expect(tdsInterestRows(filter({ search: target.deductee.pan })).length).toBeGreaterThanOrEqual(1);
+  it('searches on name, customer ID and PAN', () => {
+    expect(tdsInterestRows(filter({ search: 'C3' })).length).toBe(1);
+    expect(tdsInterestRows(filter({ search: 'abcpk9012m' }))[0].deductee.name).toBe('Kamala');
   });
 });
 
-describe('declarations', () => {
-  it('save tax and record the interest paid gross', () => {
-    const declared = tdsInterestRowsForFy(CLOSED_FY).filter((r) => r.hasDeclaration);
-    expect(declared.length).toBeGreaterThan(0);
-    expect(declared.some((r) => r.tdsSaved > 0)).toBe(true);
-    // Interest paid without deduction is a mandatory 26Q disclosure, so it must
-    // be carried even though no tax came off it.
-    expect(declared.some((r) => r.paidWithoutDeduction > 0)).toBe(true);
-    for (const row of declared) {
-      expect(row.declarationUin).toBeTruthy();
-    }
+describe('remittance', () => {
+  const challan = (over: Partial<TdsChallan>): TdsChallan => ({
+    id: 1,
+    fy: FY,
+    month: '2026-03',
+    amount: 0,
+    challanNo: '00001',
+    bsrCode: '0510308',
+    depositedOn: '2026-04-20',
+    paidFrom: '',
+    remarks: null,
+    reversed: false,
+    ...over
   });
 
-  it('leaves tax deducted before a mid-year declaration in place', () => {
-    // Some declarations in the seed were accepted in October. Tax already taken
-    // in Q1/Q2 cannot be reversed, so those rows still carry a deduction.
-    const midYear = tdsInterestRowsForFy(CLOSED_FY).filter(
-      (r) => r.hasDeclaration && r.declarationAcceptedOn && r.declarationAcceptedOn.slice(5, 7) === '10'
-    );
-    expect(midYear.length).toBeGreaterThan(0);
-    expect(midYear.some((r) => r.schedule.totalTds > 0)).toBe(true);
-  });
-});
-
-describe('remittance schedule', () => {
-  it('deposits by the seventh of the following month, and 30 April for March', () => {
+  it('pays by the seventh of the following month, and 30 April for March', () => {
     expect(depositDueDate('2025-06')).toBe('2025-07-07');
     expect(depositDueDate('2025-12')).toBe('2026-01-07');
     expect(depositDueDate('2026-03')).toBe('2026-04-30');
   });
 
-  it('remits exactly what the engine says was deducted', () => {
-    const deducted = deductedByQuarter(CLOSED_FY);
-    const rows = tdsRemittanceRows(CLOSED_FY, TDS_AS_AT);
-    for (const row of rows) {
-      expect(row.amount).toBe(Math.round(deducted[row.quarter]));
-    }
+  it('marks a month paid in full and on time', () => {
+    const [r] = tdsRemittanceRows(FY, [{ month: '2026-03', amount: 26_000, postings: 2 }], [challan({ amount: 26_000 })], '2026-06-01');
+    expect(r.quarter).toBe(4);
+    expect(r.outstanding).toBe(0);
+    expect(r.late).toBe(false);
+    expect(r.overdue).toBe(false);
+    expect(r.defaultInterest).toBe(0);
   });
 
-  it('charges section 201(1A) interest on a late deposit and nothing on a timely one', () => {
-    const rows = tdsRemittanceRows(CLOSED_FY, TDS_AS_AT);
-    const late = rows.filter((r) => r.late);
-    expect(late.length).toBeGreaterThan(0);
-    for (const row of late) {
-      expect(row.delayMonths).toBeGreaterThan(0);
-      expect(row.defaultInterest).toBe(Math.round(row.amount * 0.015 * row.delayMonths));
-    }
-    for (const row of rows.filter((r) => !r.late && !r.overdue)) {
-      expect(row.defaultInterest).toBe(0);
-    }
+  it('charges interest on a late challan', () => {
+    const [r] = tdsRemittanceRows(
+      FY,
+      [{ month: '2026-03', amount: 26_000, postings: 2 }],
+      [challan({ amount: 26_000, depositedOn: '2026-05-02' })],
+      '2026-06-01'
+    );
+    expect(r.late).toBe(true);
+    expect(r.delayMonths).toBeGreaterThan(0);
+    expect(r.defaultInterest).toBeGreaterThan(0);
   });
-});
 
-describe('the 26Q reconciliation control', () => {
-  it.each(tdsFys())('balances for FY %s', (fy) => {
-    const s = tds26qSummary(fy, TDS_AS_AT);
-    // Deducted must equal deposited plus what is still within its due date.
-    // Anything else means tax has gone missing between the ledger and the
-    // Government, and the return must not be filed until it is found.
+  it('flags an unpaid month past its due date, and not one still within it', () => {
+    const rows = tdsRemittanceRows(
+      FY,
+      [
+        { month: '2025-12', amount: 5_000, postings: 1 },
+        { month: '2026-03', amount: 7_000, postings: 1 }
+      ],
+      [],
+      '2026-04-10'
+    );
+    const dec = rows.find((r) => r.month === '2025-12')!;
+    const mar = rows.find((r) => r.month === '2026-03')!;
+    expect(dec.overdue).toBe(true);
+    expect(dec.defaultInterest).toBeGreaterThan(0);
+    expect(mar.overdue).toBe(false);
+    expect(mar.outstanding).toBe(7_000);
+  });
+
+  it('ignores a reversed challan', () => {
+    const [r] = tdsRemittanceRows(
+      FY,
+      [{ month: '2026-03', amount: 26_000, postings: 2 }],
+      [challan({ amount: 26_000, reversed: true })],
+      '2026-04-10'
+    );
+    expect(r.deposited).toBe(0);
+    expect(r.outstanding).toBe(26_000);
+  });
+
+  it('reconciles deducted against paid plus still-within-due', () => {
+    const asAt = '2026-04-10';
+    const rows = tdsRemittanceRows(
+      FY,
+      [
+        { month: '2025-12', amount: 5_000, postings: 1 },
+        { month: '2026-03', amount: 21_000, postings: 1 }
+      ],
+      [challan({ month: '2025-12', amount: 5_000, depositedOn: '2026-01-05' })],
+      asAt
+    );
+    const s = tds26qSummary(FY, rows, asAt);
+    expect(s.totalDeducted).toBe(26_000);
+    expect(s.totalDeposited).toBe(5_000);
+    expect(s.pendingDeposit).toBe(21_000);
     expect(s.difference).toBe(0);
-    expect(s.totalDeducted).toBe(s.totalDeposited + s.pendingDeposit);
-  });
-
-  it('splits the tax between the standard and the no-PAN rate without loss', () => {
-    const s = tds26qSummary(CLOSED_FY, TDS_AS_AT);
-    expect(s.tdsAtStandardRate + s.tdsAtHigherRate).toBe(s.totalDeducted);
-    expect(s.tdsAtHigherRate).toBeGreaterThan(0);
-  });
-
-  it('splits interest into the deducted and the paid-gross halves', () => {
-    const s = tds26qSummary(CLOSED_FY, TDS_AS_AT);
-    expect(s.interestWithDeduction + s.interestWithoutDeduction).toBe(s.totalInterestPaid);
-    // The gross-paid half is the Form 121 disclosure and must not be zero here,
-    // or the report would never exercise that line.
-    expect(s.interestWithoutDeduction).toBeGreaterThan(0);
-  });
-
-  it('agrees with the interest report on the same year', () => {
-    const summary = tdsInterestSummary(filter());
-    expect(tds26qSummary(CLOSED_FY, TDS_AS_AT).totalDeducted).toBe(summary.totalTds);
-  });
-});
-
-describe('the part-run current year', () => {
-  it('has postings only up to the business date', () => {
-    for (const deductee of tdsDeductees()) {
-      for (const account of deductee.accounts) {
-        for (const credit of account.credits) {
-          expect(credit.date <= TDS_AS_AT).toBe(true);
-        }
-      }
-    }
-  });
-
-  it('shows the closed quarter as settled and future obligations as not yet due', () => {
-    const rows = tdsRemittanceRows('2026-27', TDS_AS_AT);
-
-    // Q1 (Apr–Jun) has closed, so its tax was deducted and is due by 07 Jul.
-    expect(rows.some((r) => r.quarter === 1)).toBe(true);
-
-    // Q3 cannot appear: no interest has posted there and nothing settles there.
-    expect(rows.some((r) => r.quarter === 3)).toBe(false);
-
-    // Q4 *can* appear even in a part-run year — deposits on annual interest
-    // posting settle once, at year end — but that is a future obligation, so it
-    // must read as pending and must never be flagged overdue.
-    for (const row of rows.filter((r) => r.quarter === 4)) {
-      expect(row.depositedOn).toBeNull();
-      expect(row.overdue).toBe(false);
-      expect(row.defaultInterest).toBe(0);
-    }
+    // The year's figures come from the same book as the interest report.
+    expect(s.calculatedTds).toBe(34_000);
+    expect(s.tdsAtStandardRate + s.tdsAtHigherRate).toBe(26_000);
   });
 });

src/app/tds-reports/tds-reports.compute.ts

@@ -17,7 +17,6 @@
 
 import {
   DeclarationForm,
-  FY_TAX_CONFIG,
   Quarter,
   TdsMode,
   TdsSchedule,
@@ -36,7 +35,15 @@ import {
   tdsDeducteeOf,
   tdsModeFor
 } from '../letter-mgmt/certificates/form-15gh/tds-15gh.compute';
-import { TdsChallan, TdsDeductee, tdsChallans, tdsDeductees, tdsDeducteesVersion } from './tds-reports-data';
+import {
+  TdsChallan,
+  TdsDeductedMonth,
+  TdsDeductee,
+  TdsReportAccount,
+  depositDueDate,
+  tdsDeductees,
+  tdsDeducteesVersion
+} from './tds-reports-data';
 
 // ─────────────────────────────── Filtering ───────────────────────────────
 
@@ -56,6 +63,29 @@ export interface TdsReportFilter {
   nearThresholdOnly: boolean;
 }
 
+/**
+ * One of the customer's accounts as the report sees it: whether its interest is being counted
+ * toward the deduction, and if not, why not. A customer can hold savings, fixed and recurring
+ * accounts together, and the branch has to see which of them the deduction is actually watching.
+ */
+export interface TdsAccountLine {
+  accountNo: string;
+  type: 'FD' | 'RD' | 'SB' | 'OTHER';
+  /** True when the account's interest counts toward this customer's threshold. */
+  tracked: boolean;
+  /** Plain-language reason, shown beside the account. */
+  reason: string;
+  /** Interest credited in the year. */
+  interest: number;
+  /** How many interest postings made up that figure. */
+  postings: number;
+  lastPostedOn: string | null;
+  /** TDS the platform actually withheld from this account in the year. */
+  tdsDeducted: number;
+  /** Set when the tax is deducted against someone other than the account's own holder. */
+  holderName: string | null;
+}
+
 /** How close to the trigger counts as "worth chasing a declaration for". */
 export const NEAR_THRESHOLD_BAND = 6_000;
 
@@ -101,6 +131,15 @@ export interface TdsInterestRow {
   paidWithoutDeduction: number;
   panOnRecord: boolean;
   rateApplied: number;
+  /** Every account the customer holds, tracked or not. */
+  accounts: TdsAccountLine[];
+  /** How many of them count toward the deduction. */
+  trackedAccounts: number;
+  /**
+   * TDS the platform actually withheld this year. `schedule.totalTds` is what this report works
+   * out is due; the two should agree, and a difference is the first thing to investigate.
+   */
+  actualTds: number;
 }
 
 function emptyQuarters(): Record<Quarter, number> {
@@ -154,14 +193,39 @@ export function tdsInterestRowsForFy(fy: string): TdsInterestRow[] {
 
     let exemptInterest = 0;
     let jointHeldInterest = 0;
+    const accountLines: TdsAccountLine[] = [];
     for (const account of deductee.accounts) {
-      const inYear = account.credits.filter((c) => fyOf(c.date) === fy).reduce((s, c) => s + c.amount, 0);
+      const yearCredits = account.credits.filter((c) => fyOf(c.date) === fy);
+      const inYear = yearCredits.reduce((s, c) => s + c.amount, 0);
+      const type = accountTypeOf(account.depositTypeCode);
+      let tracked = false;
+      let reason: string;
       if (!isTdsApplicable(account)) {
         exemptInterest += inYear;
+        reason = type === 'SB' ? 'Savings account — no TDS on savings interest' : 'Not a time deposit — no TDS';
       } else if (tdsDeducteeOf(account) !== deductee.clientId) {
         jointHeldInterest += inYear;
+        reason = 'Joint deposit — counted under the first-named holder';
+      } else {
+        tracked = true;
+        reason = 'Its interest received in savings counts toward the TDS limit';
       }
+      const report = account as TdsReportAccount;
+      accountLines.push({
+        accountNo: account.accountNo || '',
+        type,
+        tracked,
+        reason,
+        interest: inYear,
+        postings: yearCredits.length,
+        lastPostedOn: yearCredits.reduce<string | null>((last, c) => (!last || c.date > last ? c.date : last), null),
+        tdsDeducted: (report.deductions || []).filter((c) => fyOf(c.date) === fy).reduce((s, c) => s + c.amount, 0),
+        holderName:
+          report.holderClientId && report.holderClientId !== deductee.clientId ? (report.holderName ?? null) : null
+      });
     }
+    // Tracked accounts first, so the deposits that drive the figure lead the list.
+    accountLines.sort((a, b) => Number(b.tracked) - Number(a.tracked));
 
     const crossedLine = schedule.lines.find((l) => l.thresholdCrossedHere);
     const headroom = Math.max(0, schedule.threshold - schedule.totalInterest);
@@ -190,7 +254,10 @@ export function tdsInterestRowsForFy(fy: string): TdsInterestRow[] {
       tdsSaved: declaration ? Math.max(0, withoutDeclaration.totalTds - schedule.totalTds) : 0,
       paidWithoutDeduction: schedule.shieldedInterest,
       panOnRecord: isWellFormedPan(deductee.pan),
-      rateApplied: schedule.rateApplied
+      rateApplied: schedule.rateApplied,
+      accounts: accountLines,
+      trackedAccounts: accountLines.filter((a) => a.tracked).length,
+      actualTds: accountLines.reduce((s, a) => s + a.tdsDeducted, 0)
     });
   }
 
@@ -210,10 +277,29 @@ function overallModeFor(deductee: TdsDeductee): TdsMode {
   return applicable.some((a) => tdsModeFor(a) === 'QUARTERLY') ? 'QUARTERLY' : 'ANNUAL';
 }
 
+function accountTypeOf(code: string | undefined): TdsAccountLine['type'] {
+  const c = (code || '').toLowerCase();
+  if (c.includes('fixeddeposit')) {
+    return 'FD';
+  }
+  if (c.includes('recurringdeposit')) {
+    return 'RD';
+  }
+  if (c.includes('savings')) {
+    return 'SB';
+  }
+  return 'OTHER';
+}
+
+/** Branches are compared by office name, case and spacing aside — the platform and the session both carry the name. */
+function sameBranch(a: string, b: string): boolean {
+  return (a || '').trim().toLowerCase() === (b || '').trim().toLowerCase();
+}
+
 export function tdsInterestRows(filter: TdsReportFilter): TdsInterestRow[] {
   const needle = filter.search.trim().toLowerCase();
   return tdsInterestRowsForFy(filter.fy).filter((row) => {
-    if (filter.branchCode && row.branchCode !== filter.branchCode) {
+    if (filter.branchCode && !sameBranch(row.branchCode, filter.branchCode)) {
       return false;
     }
     if (filter.band && row.band !== filter.band) {
@@ -248,12 +334,16 @@ export interface TdsInterestSummary {
   /** Savings interest, outside the section. */
   exemptInterest: number;
   totalTds: number;
+  /** TDS the platform actually withheld — set against `totalTds`, which is what is due. */
+  actualTds: number;
   crossed: number;
   nearThreshold: number;
   declarations: number;
   tdsSaved: number;
   paidWithoutDeduction: number;
   noPan: number;
+  /** Customers holding at least one account whose interest counts toward the deduction. */
+  trackedCustomers: number;
   byQuarter: { quarter: Quarter; interest: number; tds: number }[];
 }
 
@@ -275,26 +365,50 @@ export function tdsInterestSummary(filter: TdsReportFilter): TdsInterestSummary
     applicableInterest: rows.reduce((s, r) => s + r.tdsApplicableInterest, 0),
     exemptInterest: rows.reduce((s, r) => s + r.exemptInterest, 0),
     totalTds: rows.reduce((s, r) => s + r.schedule.totalTds, 0),
+    actualTds: rows.reduce((s, r) => s + r.actualTds, 0),
     crossed: rows.filter((r) => r.crossed).length,
     nearThreshold: rows.filter((r) => r.nearThreshold).length,
     declarations: rows.filter((r) => r.hasDeclaration).length,
     tdsSaved: rows.reduce((s, r) => s + r.tdsSaved, 0),
     paidWithoutDeduction: rows.reduce((s, r) => s + r.paidWithoutDeduction, 0),
-    noPan: rows.filter((r) => !r.panOnRecord).length,
+    // Only customers with a deposit the deduction watches: a savings-only customer without a PAN
+    // is never deducted at the higher rate, so counting them overstated the problem.
+    noPan: rows.filter((r) => !r.panOnRecord && r.trackedAccounts > 0).length,
+    trackedCustomers: rows.filter((r) => r.trackedAccounts > 0).length,
     byQuarter
   };
 }
 
 // ─────────────────────── Report 2: remittance ───────────────────────
 
-export interface TdsRemittanceRow extends TdsChallan {
-  /** Statutory due date has passed with nothing deposited. */
+/**
+ * One deduction month: what the platform withheld, and what Head Office remitted against it.
+ *
+ * Driven by the withhold-tax postings and the challans entered, never by this report's own
+ * computation — a return reconciles what was deducted, not what should have been.
+ */
+export interface TdsRemittanceRow {
+  fy: string;
+  quarter: Quarter;
+  /** Month the tax was deducted in, e.g. '2026-06'. */
+  month: string;
+  deducted: number;
+  postings: number;
+  /** Live challans entered against this month. */
+  challans: TdsChallan[];
+  deposited: number;
+  lastDepositedOn: string | null;
+  dueDate: string;
+  /** Deducted but not yet remitted. */
+  outstanding: number;
+  /** Remitted beyond what was deducted — a challan entered against the wrong month, usually. */
+  excess: number;
+  /** Something is still outstanding and the due date has passed. */
   overdue: boolean;
-  /** Deposited, but after the due date. */
+  /** A challan reached the Government after the due date. */
   late: boolean;
-  /** Months or part months of delay. */
   delayMonths: number;
-  /** Interest charged for depositing late. */
+  /** Interest the bank owes for depositing late. */
   defaultInterest: number;
   /** Return the quarter's deduction is reported in. */
   returnDueDate: string;
@@ -307,41 +421,78 @@ const RETURN_DUE: Record<Quarter, string> = {
   4: '31 May'
 };
 
-/** Tax deducted per quarter, from the engine, for one year. */
-export function deductedByQuarter(fy: string): Record<number, number> {
-  const out: Record<number, number> = { 1: 0, 2: 0, 3: 0, 4: 0 };
-  for (const row of tdsInterestRowsForFy(fy)) {
-    for (const line of row.schedule.lines) {
-      out[line.quarter] += line.tds;
-    }
+export function quarterOfMonth(month: string): Quarter {
+  const m = Number(month.slice(5, 7));
+  if (m >= 4 && m <= 6) {
+    return 1;
   }
-  return out;
+  if (m >= 7 && m <= 9) {
+    return 2;
+  }
+  if (m >= 10) {
+    return 3;
+  }
+  return 4;
 }
 
-export function tdsRemittanceRows(fy: string, asAt: string): TdsRemittanceRow[] {
-  const deducted: Record<string, Record<number, number>> = {};
-  for (const year of Object.keys(FY_TAX_CONFIG)) {
-    deducted[year] = deductedByQuarter(year);
-  }
-  const challans = tdsChallans(deducted)[fy] ?? [];
+function round2(n: number): number {
+  return Math.round(n * 100) / 100;
+}
 
-  return challans.map((c) => {
-    const overdue = !c.depositedOn && c.dueDate < asAt;
-    const late = !!c.depositedOn && c.depositedOn > c.dueDate;
-    // While a payment is overdue the clock runs to today; once paid it stops on
-    // the payment date.
-    const settledOn = c.depositedOn ?? asAt;
-    const delayMonths = late || overdue ? monthsOrPartBetween(c.dueDate, settledOn) : 0;
-    const defaultInterest =
-      late || overdue ? lateDeductionInterest(c.amount, c.dueDate, settledOn, 'DEPOSIT', fy).interest : 0;
+export function tdsRemittanceRows(
+  fy: string,
+  deducted: TdsDeductedMonth[],
+  challans: TdsChallan[],
+  asAt: string
+): TdsRemittanceRow[] {
+  const live = challans.filter((c) => !c.reversed && c.fy === fy);
+  const months = [...new Set([...deducted.map((d) => d.month), ...live.map((c) => c.month)])].sort();
+
+  return months.map((month) => {
+    const d = deducted.find((x) => x.month === month);
+    const amount = d?.amount ?? 0;
+    const forMonth = live.filter((c) => c.month === month);
+    const deposited = round2(forMonth.reduce((s, c) => s + c.amount, 0));
+    const lastDepositedOn = forMonth.reduce<string | null>(
+      (last, c) => (!last || c.depositedOn > last ? c.depositedOn : last),
+      null
+    );
+    const dueDate = depositDueDate(month);
+    const outstanding = Math.max(0, round2(amount - deposited));
+    const excess = Math.max(0, round2(deposited - amount));
+    const overdue = outstanding > 0 && dueDate < asAt;
+    const lateChallans = forMonth.filter((c) => c.depositedOn > dueDate);
+    const late = lateChallans.length > 0;
+
+    // Interest runs per challan from the due date to the day it was paid, and on whatever is still
+    // outstanding from the due date to today.
+    let defaultInterest = lateChallans.reduce(
+      (s, c) => s + lateDeductionInterest(c.amount, dueDate, c.depositedOn, 'DEPOSIT', fy).interest,
+      0
+    );
+    if (overdue) {
+      defaultInterest += lateDeductionInterest(outstanding, dueDate, asAt, 'DEPOSIT', fy).interest;
+    }
+    const settledOn = overdue ? asAt : lastDepositedOn;
+    const delayMonths = (late || overdue) && settledOn ? monthsOrPartBetween(dueDate, settledOn) : 0;
 
     return {
-      ...c,
+      fy,
+      quarter: quarterOfMonth(month),
+      month,
+      deducted: amount,
+      postings: d?.postings ?? 0,
+      challans: forMonth,
+      deposited,
+      lastDepositedOn,
+      dueDate,
+      outstanding,
+      excess,
       overdue,
       late,
       delayMonths,
       defaultInterest,
-      returnDueDate: RETURN_DUE[c.quarter]
+      returnDueDate: RETURN_DUE[quarterOfMonth(month)]
     };
   });
 }
@@ -349,9 +500,9 @@ export function tdsRemittanceRows(fy: string, asAt: string): TdsRemittanceRow[]
 /**
  * The year-end position — what the quarterly TDS return has to reconcile to.
  *
- * `difference` is the control figure: tax the engine says was deducted, less what
- * actually reached the Government. Anything other than zero, once the pending
- * challans are settled, means something is wrong and must be found before filing.
+ * `difference` is the control figure: tax actually deducted, less what reached the Government,
+ * less what is still within its due date. Anything other than zero means a month is overdue or
+ * a challan sits against the wrong month.
  */
 export interface Tds26qSummary {
   fy: string;
@@ -362,9 +513,13 @@ export interface Tds26qSummary {
   interestWithoutDeduction: number;
   tdsAtStandardRate: number;
   tdsAtHigherRate: number;
+  /** What this report works out was due. */
+  calculatedTds: number;
+  /** What the platform actually withheld from accounts. */
   totalDeducted: number;
   totalDeposited: number;
   pendingDeposit: number;
+  overdueAmount: number;
   /** Deducted less deposited less still-pending. Must be zero. */
   difference: number;
   defaultInterest: number;
@@ -372,29 +527,33 @@ export interface Tds26qSummary {
   overdueChallans: number;
 }
 
-export function tds26qSummary(fy: string, asAt: string): Tds26qSummary {
+export function tds26qSummary(fy: string, remittance: TdsRemittanceRow[], asAt: string): Tds26qSummary {
   const rows = tdsInterestRowsForFy(fy);
-  const challans = tdsRemittanceRows(fy, asAt);
   const standard = rows.filter((r) => r.panOnRecord);
   const higher = rows.filter((r) => !r.panOnRecord);
-  const totalDeducted = rows.reduce((s, r) => s + r.schedule.totalTds, 0);
-  const totalDeposited = challans.filter((c) => c.depositedOn).reduce((s, c) => s + c.amount, 0);
-  const pendingDeposit = challans.filter((c) => !c.depositedOn).reduce((s, c) => s + c.amount, 0);
+  const totalDeducted = round2(remittance.reduce((s, r) => s + r.deducted, 0));
+  const totalDeposited = round2(remittance.reduce((s, r) => s + r.deposited, 0));
+  const pendingDeposit = round2(
+    remittance.filter((r) => r.dueDate >= asAt).reduce((s, r) => s + r.outstanding, 0)
+  );
+  const overdueAmount = round2(remittance.filter((r) => r.overdue).reduce((s, r) => s + r.outstanding, 0));
 
   return {
     fy,
-    deductees: rows.length,
+    deductees: rows.filter((r) => r.trackedAccounts > 0).length,
     totalInterestPaid: rows.reduce((s, r) => s + r.tdsApplicableInterest, 0),
     interestWithDeduction: rows.reduce((s, r) => s + r.schedule.liableInterest, 0),
     interestWithoutDeduction: rows.reduce((s, r) => s + r.paidWithoutDeduction, 0),
-    tdsAtStandardRate: standard.reduce((s, r) => s + r.schedule.totalTds, 0),
-    tdsAtHigherRate: higher.reduce((s, r) => s + r.schedule.totalTds, 0),
+    tdsAtStandardRate: standard.reduce((s, r) => s + r.actualTds, 0),
+    tdsAtHigherRate: higher.reduce((s, r) => s + r.actualTds, 0),
+    calculatedTds: rows.reduce((s, r) => s + r.schedule.totalTds, 0),
     totalDeducted,
     totalDeposited,
     pendingDeposit,
-    difference: Math.round(totalDeducted - totalDeposited - pendingDeposit),
-    defaultInterest: challans.reduce((s, c) => s + c.defaultInterest, 0),
-    lateChallans: challans.filter((c) => c.late).length,
-    overdueChallans: challans.filter((c) => c.overdue).length
+    overdueAmount,
+    difference: round2(totalDeducted - totalDeposited - pendingDeposit),
+    defaultInterest: remittance.reduce((s, r) => s + r.defaultInterest, 0),
+    lateChallans: remittance.filter((r) => r.late).length,
+    overdueChallans: remittance.filter((r) => r.overdue).length
   };
 }

src/app/tds-reports/tds-reports.service.ts

@@ -13,16 +13,52 @@ import { Observable, map } from 'rxjs';
 
 /** Custom Helpers */
 import { toIsoDate } from '../core/utils/api-date';
-import { configuredFys } from '../letter-mgmt/certificates/form-15gh/tds-15gh.compute';
-import { TdsDeductee } from './tds-reports-data';
+import { Declaration, formKindFor } from '../letter-mgmt/certificates/form-15gh/tds-15gh.compute';
+import { TdsChallan, TdsDeductedMonth, TdsDeductee } from './tds-reports-data';
+
+/** A declaration as recorded on the platform. */
+export interface TdsDeclarationRecord {
+  id: number;
+  clientId: number;
+  clientName?: string;
+  fy: string;
+  formType: '15G' | '15H' | '121';
+  uin: string | null;
+  acceptedOn: string;
+  estimatedIncome: number | null;
+  revoked: boolean;
+  revokedOn: string | null;
+  revokeReason: string | null;
+}
+
+export interface NewTdsDeclaration {
+  clientId: number;
+  fy: string;
+  formType: string;
+  acceptedOn: string;
+  uin?: string;
+  estimatedIncome?: number | null;
+}
+
+export interface NewTdsChallan {
+  fy: string;
+  month: string;
+  amount: number;
+  challanNo: string;
+  bsrCode: string;
+  depositedOn: string;
+  paidFromGlAccountId: number;
+  remarks?: string;
+}
 
 /**
- * Deposit interest for the TDS reports.
+ * Deposit interest, declarations and challans for the TDS screens.
  *
- * The platform returns the interest it actually credited — nothing else. A deposit is the
- * customer's own money arriving and a fee is a charge, so neither is income and neither is sent.
- * Working the figure out here from a balance and a rate would produce a number the passbook does
- * not show.
+ * On an FD or RD the platform returns the interest that reached the customer's savings account and
+ * the TDS debited there for it — TDS is tracked and taken where the interest is received. A deposit
+ * is the customer's own money arriving and a fee is a charge, so neither is income and neither is
+ * sent. Working the figure out here from a balance and a rate would produce a number the passbook
+ * does not show.
  */
 @Injectable({ providedIn: 'root' })
 export class TdsReportsService {
@@ -32,57 +68,129 @@ export class TdsReportsService {
    * @param financialYear the opening calendar year — 2026 means 1 Apr 2026 to 31 Mar 2027.
    *        Omit to let the platform use the year the business date falls in.
    */
-  getDepositInterest(financialYear?: number): Observable<TdsDeductee[]> {
-    const params = financialYear ? new HttpParams().set('financialYear', String(financialYear)) : undefined;
+  getDepositInterest(financialYear?: number, clientId?: number): Observable<TdsDeductee[]> {
+    let params = new HttpParams();
+    if (financialYear) {
+      params = params.set('financialYear', String(financialYear));
+    }
+    if (clientId) {
+      params = params.set('clientId', String(clientId));
+    }
     return this.http
       .get<any[]>('/tds/deposit-interest', { params })
       .pipe(map((rows) => (rows || []).map((r) => this.toDeductee(r))));
   }
 
+  getDeclarations(clientId: number): Observable<TdsDeclarationRecord[]> {
+    return this.http.get<TdsDeclarationRecord[]>('/tds/declarations', {
+      params: new HttpParams().set('clientId', String(clientId))
+    });
+  }
+
+  createDeclaration(declaration: NewTdsDeclaration): Observable<TdsDeclarationRecord[]> {
+    return this.http.post<TdsDeclarationRecord[]>('/tds/declarations', declaration);
+  }
+
+  revokeDeclaration(id: number, reason: string): Observable<TdsDeclarationRecord[]> {
+    return this.http.post<TdsDeclarationRecord[]>(`/tds/declarations/${id}/revoke`, { reason });
+  }
+
+  /** Tax actually withheld per month, and the business date the books are on. */
+  getDeducted(fy: string): Observable<{ asAt: string; months: TdsDeductedMonth[] }> {
+    return this.http.get<any>('/tds/deducted', { params: new HttpParams().set('fy', fy) }).pipe(
+      map((res) => ({
+        asAt: res?.asAt ?? '',
+        months: (res?.months || []).map((m: any) => ({
+          month: m.month,
+          amount: Number(m.amount) || 0,
+          postings: Number(m.postings) || 0
+        }))
+      }))
+    );
+  }
+
+  getChallans(fy: string): Observable<TdsChallan[]> {
+    return this.http
+      .get<any[]>('/tds/challans', { params: new HttpParams().set('fy', fy) })
+      .pipe(map((rows) => (rows || []).map((r) => this.toChallan(r))));
+  }
+
+  getChallanTemplate(): Observable<{ paidFromOptions: { id: number; glCode: string; name: string }[] }> {
+    return this.http.get<any>('/tds/challans/template');
+  }
+
+  createChallan(challan: NewTdsChallan): Observable<TdsChallan[]> {
+    return this.http.post<any[]>('/tds/challans', challan).pipe(map((rows) => (rows || []).map((r) => this.toChallan(r))));
+  }
+
+  reverseChallan(id: number): Observable<TdsChallan[]> {
+    return this.http
+      .post<any[]>(`/tds/challans/${id}/reverse`, {})
+      .pipe(map((rows) => (rows || []).map((r) => this.toChallan(r))));
+  }
+
+  private toChallan(r: any): TdsChallan {
+    return {
+      id: r.id,
+      fy: r.fy,
+      month: r.month,
+      amount: Number(r.amount) || 0,
+      challanNo: r.challanNo,
+      bsrCode: r.bsrCode,
+      depositedOn: (r.depositedOn || '').slice(0, 10),
+      paidFrom: r.paidFrom || '',
+      remarks: r.remarks ?? null,
+      reversed: !!r.reversed
+    };
+  }
+
   /**
-   * Shapes one platform row into what the section 194A computation expects.
+   * Shapes one platform row into what the TDS computation expects.
    *
    * Dates arrive as [y, M, d] arrays and are flattened to ISO here, because the computation
-   * compares them as strings when deciding which financial year a credit falls in.
+   * compares them as strings when deciding which financial year a credit falls in. The platform
+   * has already grouped a minor's deposit under the guardian and a joint deposit under its primary
+   * holder, so every account here belongs to the deductee it is listed under.
    */
   private toDeductee(row: any): TdsDeductee {
+    const dob = toIsoDate(row.dateOfBirth);
+    const credit = (a: any) => (c: any) => ({
+      date: toIsoDate(c.date),
+      amount: Number(c.amount) || 0,
+      accountNo: c.accountNo || a.accountNo || ''
+    });
     return {
       clientId: row.clientId,
       customerId: row.customerId || '',
       name: row.name || '',
       pan: row.pan || '',
-      dob: toIsoDate(row.dateOfBirth),
+      dob,
       branchCode: row.branchName || '',
-      // A 15G/15H on the customer's KYC record covers the year it was accepted for. The platform
-      // carries the kind but not the acceptance date, so the year's start stands in — a
-      // declaration is operative for the year it was given, which is what the computation needs.
-      declarations: this.declarationsOf(row),
+      declarations: this.declarationsOf(row.declarations || [], dob),
       accounts: (row.accounts || []).map((a: any) => ({
         id: a.id,
         accountNo: a.accountNo || '',
         depositTypeCode: a.depositTypeCode || '',
-        accountStatus: a.accountStatus || undefined,
+        // The deductee, not the holder: the grouping above already resolved whose PAN it is.
         clientId: a.clientId ?? row.clientId,
-        credits: (a.credits || []).map((c: any) => ({
-          date: toIsoDate(c.date),
-          amount: Number(c.amount) || 0,
-          accountNo: c.accountNo || a.accountNo || ''
-        }))
+        holderClientId: a.holderClientId ?? undefined,
+        holderName: a.holderName ?? undefined,
+        credits: (a.credits || []).map(credit(a)),
+        deductions: (a.deductions || []).map(credit(a))
       }))
     };
   }
 
-  private declarationsOf(row: any): Record<string, any> {
-    const kind = (row.form15Type || '').trim().toUpperCase();
-    if (kind !== '15G' && kind !== '15H') {
-      return {};
-    }
-    const out: Record<string, any> = {};
-    // Applied to every configured year. Without an acceptance date on the record the declaration is
-    // treated as operative from the start of each year rather than mid-year. Keyed '2026-27', the
-    // form the computation looks it up by - an 'FY 2026-27' key was never found.
-    for (const fy of configuredFys()) {
-      out[fy] = { kind, acceptedOn: `${fy.slice(0, 4)}-04-01`, fy };
+  /**
+   * Declarations keyed by year, the form the computation looks them up by ('2026-27'). A Form 121
+   * carries no G/H split, so the band follows the customer's age in that year.
+   */
+  private declarationsOf(rows: any[], dob: string): Record<string, Declaration> {
+    const out: Record<string, Declaration> = {};
+    for (const d of rows) {
+      const fy = d.fy;
+      const kind = d.formType === '15H' ? '15H' : d.formType === '15G' ? '15G' : formKindFor(dob, fy);
+      out[fy] = { kind, acceptedOn: toIsoDate(d.acceptedOn), fy, uin: d.uin || undefined };
     }
     return out;
   }

src/app/tds-reports/tds-reports.shared.scss

@@ -647,3 +647,122 @@
   color: var(--tdsr-ink);
   white-space: nowrap;
 }
+
+/* ── Help panel (interest report) ── */
+.tdsr__help {
+  margin-bottom: 16px;
+  padding: 14px 18px;
+  border: 1px solid color-mix(in srgb, var(--tdsr-blue) 25%, transparent);
+  border-radius: 10px;
+  background: color-mix(in srgb, var(--tdsr-blue) 5%, transparent);
+  line-height: 1.6;
+}
+
+.tdsr__help-title {
+  display: flex;
+  gap: 8px;
+  align-items: center;
+  margin-bottom: 6px;
+  font-weight: 700;
+  color: var(--tdsr-blue);
+}
+
+.tdsr__help-list {
+  margin: 0;
+  padding-left: 20px;
+
+  li + li {
+    margin-top: 2px;
+  }
+}
+
+/* ── Action chips under the summary ── */
+.tdsr__chips {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 8px;
+  margin: -6px 0 16px;
+}
+
+.tdsr__chip {
+  padding: 5px 12px;
+  border: 1px solid var(--tdsr-line);
+  border-radius: 999px;
+  background: var(--tdsr-bg);
+  font: inherit;
+  font-size: 12px;
+  font-weight: 600;
+
+  &--near {
+    border-color: color-mix(in srgb, var(--tdsr-blue) 30%, transparent);
+    color: var(--tdsr-blue);
+    cursor: pointer;
+  }
+
+  &--ok {
+    border-color: color-mix(in srgb, var(--tdsr-green) 35%, transparent);
+    color: var(--tdsr-green);
+  }
+
+  &--warn {
+    border-color: color-mix(in srgb, var(--tdsr-amber) 35%, transparent);
+    color: var(--tdsr-amber);
+  }
+}
+
+.tdsr__row--click {
+  cursor: pointer;
+
+  &:hover > td {
+    background: var(--tdsr-bg);
+  }
+}
+
+.tdsr__detail-h {
+  margin: 4px 0 8px;
+  font-weight: 700;
+
+  .tdsr__table--inner + & {
+    margin-top: 16px;
+  }
+}
+
+/* ── Challan form (remittance report) ── */
+.tdsr__form {
+  padding-bottom: 14px;
+}
+
+.tdsr__filters--flat {
+  margin: 0;
+  border: 0;
+  box-shadow: none;
+}
+
+.tdsr__form-actions {
+  display: flex;
+  gap: 8px;
+  justify-content: flex-end;
+  padding: 0 16px;
+}
+
+.tdsr__btn--primary {
+  border-color: var(--tdsr-blue);
+  background: var(--tdsr-blue);
+  color: #fff;
+}
+
+.tdsr__btn--sm {
+  padding: 3px 10px;
+  font-size: 11.5px;
+}
+
+.tdsr__link {
+  margin-left: 6px;
+  padding: 0;
+  border: 0;
+  background: none;
+  color: var(--tdsr-amber);
+  font: inherit;
+  text-decoration: underline;
+  cursor: pointer;
+}