Aman-Mittal opened a new issue, #783:
URL: https://github.com/apache/fineract-backoffice-ui/issues/783
## Summary
Fixed and recurring deposit accounts can be opened, approved, activated and
closed. Closing has two restrictions:
- It can only *withdraw* the proceeds.
- Nothing captures what should happen at maturity.
So an institution can't offer the usual term-deposit options: auto-renew,
transfer to the customer's savings account, or pay interest to savings. It also
can't add a charge to a deposit account.
This continues the term-deposit servicing epic #295, where close / premature
close (#297) and transactions (#298) are done. #764 covers the view not
*showing* maturity data.
## Evidence (`main` @ `8da1086f`)
- `src/app/features/products/fixed-deposits/fixed-deposit-form.component.ts`
has 0 references to `maturityInstruction`, `linkAccount`, `transferInterest` or
`charges`.
- `src/app/features/products/deposit-closure-dialog.component.ts` loads
`onAccountClosureOptions` from the close template, then keeps only **Withdraw
Deposit (100)** (`loadOptions`, ~line 160). Transfer to savings (200) and the
reinvest options (300 / 400) are deliberately filtered out because the dialog
can't collect their extra fields.
- No deposit screen calls `postSavingsaccountsSavingsAccountIdCharges`.
## Platform support
- **Account create / update:**
- `POST` / `PUT /v1/fixeddepositaccounts[/{id}]` and
`/v1/recurringdepositaccounts` accept `maturityInstructionId`, `linkAccountId`
(the customer's savings account) and `transferInterestToSavings`.
- The account template returns `maturityInstructionOptions` and the
client's eligible savings accounts.
- **Close / premature close:** `onAccountClosureId` is one of
`DepositAccountOnClosureType`:
- `TRANSFER_TO_SAVINGS` (200) needs `toSavingsAccountId` and a transfer
description.
- `REINVEST_PRINCIPAL_AND_INTEREST` (300) and `REINVEST_PRINCIPAL_ONLY`
(400) renew the deposit.
- **Charges:** `POST /v1/savingsaccounts/{accountId}/charges`. Deposit
accounts are savings-type accounts, and the template lists the charges valid
for them.
## Proposed implementation
1. **Account form:** add **Maturity instruction**, **Linked savings
account** (filtered to the client's active savings) and **Transfer interest to
savings**. Show them on the account view.
2. **Closure dialog:** offer every option the template returns. For
*Transfer to savings*, collect `toSavingsAccountId`, defaulting to the linked
account. For *Reinvest*, show the resulting new deposit term before confirming.
3. **Charges:** add a Charges tab on deposit accounts with **Add charge**.
Pay and waive follow the outcome of #754.
## RBAC
| Action | Permission code | Typically granted to |
|---|---|---|
| View deposit | `READ_FIXEDDEPOSITACCOUNT` / `READ_RECURRINGDEPOSITACCOUNT`
| deposit officers, auditors |
| Set maturity instruction / linked account (create) |
`CREATE_FIXEDDEPOSITACCOUNT` / `CREATE_RECURRINGDEPOSITACCOUNT` | deposit
officer |
| Change them later | `UPDATE_FIXEDDEPOSITACCOUNT` /
`UPDATE_RECURRINGDEPOSITACCOUNT` | deposit officer / branch manager |
| Close at maturity | `CLOSE_FIXEDDEPOSITACCOUNT` /
`CLOSE_RECURRINGDEPOSITACCOUNT` | branch manager / teller |
| Premature close | `PREMATURECLOSE_FIXEDDEPOSITACCOUNT` /
`PREMATURECLOSE_RECURRINGDEPOSITACCOUNT` | branch manager |
| Add charge | `CREATE_SAVINGSACCOUNTCHARGE` | deposit officer |
| Pick a linked savings account | `READ_SAVINGSACCOUNT` | — |
All codes are in `scripts/permission-codes.json`.
- Writes pass with the exact code **or** `ALL_FUNCTIONS`. With maker-checker
on, closure commands are queued for `<CODE>_CHECKER`.
- A transfer-to-savings closure moves money into another account, so the
dialog must explain a missing `READ_SAVINGSACCOUNT` instead of showing an empty
account list.
### UI expectations
- Gate each new control with `[appRequiresPermission]`.
- Gate Premature close and Close separately, since they use different codes.
- A read-only user sees maturity details but no enabled controls.
## Acceptance criteria
- [ ] An FD/RD account can be opened with a maturity instruction and a
linked savings account, and both are shown on the view.
- [ ] Close and premature close can transfer to savings or reinvest, and the
resulting transfer or new deposit is visible.
- [ ] A charge can be added to a deposit account.
- [ ] Every action is gated on its own code.
- [ ] Unit tests cover the payloads per closure type and the gating.
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