💰 Investment Management
Investments (Folios) are the core transaction records linking customers to NCD series. This guide covers the complete investment lifecycle.
Investment Structure
erDiagram
INVESTMENT {
string folioNumber PK "NCD-XXXXXX"
decimal principal
decimal effectiveRate
date investmentDate
date maturityDate
string status
}
CUSTOMER ||--o{ INVESTMENT : owns
NCD_SERIES ||--o{ INVESTMENT : contains
INVESTMENT ||--o{ INTEREST_PAYMENT : generates
INVESTMENT ||--o{ PAYMENT : receives
INTEREST_PAYMENT {
date dueDate
decimal grossAmount
decimal tdsAmount
decimal netAmount
string status
}
PAYMENT {
date paymentDate
decimal amount
string mode
string reference
}
Investment Fields
| Field | Type | Description | Example |
|---|---|---|---|
| Folio Number | String | Unique investment identifier | NCD-000142 |
| Customer | Reference | Linked customer | DF-0042 - Rajesh Kumar |
| Series | Reference | NCD series invested in | NCD-2024-A |
| Principal | Currency | Investment amount | ₹5,00,000 |
| Effective Rate | Percent | Applicable interest rate | 12.50% (senior citizen) |
| Investment Date | Date | Date of investment | 15/01/2024 |
| Maturity Date | Date | Investment maturity date | 15/01/2027 |
| Status | Enum | Current status | Active |
Investment Statuses
| Status | Description |
|---|---|
| ● Pending | Awaiting approval |
| ● Active | Investment is active |
| ● Matured | Tenure complete |
| ● Redeemed | Early redemption processed |
| ● Transferred | Transferred to another customer |
| ● Rolled Over | Rolled to new series |
Creating Investments (Allotment)
Single Investment
flowchart TD
A[Go to Customer Profile] --> B[Click Add Investment]
B --> C[Select NCD Series]
C --> D[Enter Principal Amount]
D --> E{Amount Valid?}
E -->|No| F[Show Validation Error]
F --> D
E -->|Yes| G[Set Investment Date]
G --> H[Review Details]
H --> I[Submit for Approval]
I --> J[Goes to Approvals Queue]
Bulk Allotment
flowchart TD
A[Go to Allotment] --> B[Select NCD Series]
B --> C[Select Customers]
C --> D[Enter Amounts per Customer]
D --> E[Set Common Investment Date]
E --> F[Review All Entries]
F --> G[Submit Bulk Request]
G --> H[Single Approval Request Created]
Allotment Steps
- Navigate: Click Allotment in sidebar
- Select Series: Choose active NCD series from dropdown
- Add Customers:
- Click + Add Customer
- Search and select customer
- Enter principal amount
- Repeat for additional customers
- Set Date: Enter investment date (must be ≥ series issue date)
- Validate:
- System validates minimum investment
- System checks investment multiple
- System verifies customer eligibility
- Submit: Click Submit for Approval
- Approval: Request goes to Approvals queue
⚠️ Validation Rules
- Amount must be ≥ Minimum Investment of series
- Amount must be a multiple of Investment Multiple
- Investment Date must be ≥ Series Issue Date
- Customer must have complete KYC
Interest Payments
Interest Schedule
Interest payments are auto-scheduled based on payout frequency:
| Frequency | Payment Dates |
|---|---|
| Monthly | Same date each month |
| Quarterly | Every 3 months from investment date |
| Half-Yearly | Every 6 months from investment date |
| Yearly | Annually on investment anniversary |
| On Maturity | Lump sum at maturity |
TDS Calculation
| Scenario | TDS Rate |
|---|---|
| PAN Provided | 10% |
| No PAN | 20% |
| Form 15G/15H Submitted | 0% (Nil) |
Example Payout
| Component | Amount |
|---|---|
| Gross Interest | ₹15,000 |
| TDS @ 10% | - ₹1,500 |
| Net Payable | ₹13,500 |
Folio Details View
Click any investment to see complete details:
Information Displayed
- Header: Folio number, status badge, customer name
- Investment Details: Series, principal, rate, dates
- Interest History: All payments with dates and amounts
- Payment History: Records of payments received
- Future Schedule: Upcoming interest payment dates
- Actions: Request redemption, transfer, edit
Investment Actions
| Action | Description | Requires Approval |
|---|---|---|
| Request Edit | Request changes to investment details | Yes |
| Request Redemption | Early exit from investment | Yes |
| Request Transfer | Move to another customer | Yes |
| View Statement | Generate folio statement | No |