I think it will be good if someone with the main domain knowledge takes up this. In my own understanding, this is how it should be handled:-
Add allowIntRateModification Flag at product level definition If this value is set to true, then at the time of opening the account, the user should be allowed to change the interest rate from the default rates charts defined at product level. If this is not allowed, i.e value is false, then the current behavior of the system selecting interest rate from the chart based on the amounts fixed and period prevails Thanks Regards
