FI Schema – Recurring Deposit

Recurring Deposit
Recurring deposit accounts
Account	Basic Profile of the account which should include the Account Owner information, maskedAccNumber and linkedAccRef numbers, type of account specific to the FI type and any other generic details as might be pertinent for the specified FI type.
Attributes	Name	Type	Use	Annotation
	maskedAccNumber	string	required	Masked Account No.
	linkedAccRef	string	required	Linked account reference no. for the account
	version	float	required	Version of Schema
	type	string	required	Type of Schema (Fixed: "recurring_deposit")
Profile	Personal details of the deposit account holder
Holders
Attributes	Attribute Name	Type	Use	Annotation
	Type	enum(SINGLE, JOINT)	required	Type of account held by an individual whether its single or jointly operated
Holder	Attribute Name	Type	Use	Annotation
	name	string	required	Name of primary holder operating the account
	dob	date	required	Date of birth of primary account holder
	mobile	integer	required	Primary mobile number of account holder
	nominee	enum(Registered, Not-Registered)	required	Name of nominee registered for the account
	landline	string	optional	Landline number of account holder
	address	string	optional	Address of the Account Holder
	email	string	required	Email ID of primary account holder
	pan	string	required	PAN number of primary account holder
	ckycCompliance	boolean	required	KYC status whether its completed or pending
Summary	The value of the account, term of the deposits if relevant and any other data that summarizes the funds in the account.
Attributes	Attribute Name	Type	Use	Annotation
	branch	string	required	Location of branch where investment was made
	openingDate	string	required	Opening date of the deposit account
	ifsc	string	required	IFSC code of bank branch where investment was made
	accountType	enum(FIXED, SWEEP, RECURRING, FLEXIBLE)	required	Type of account whether is saving or current
	maturityAmount	float	required	Amount which will receive on maturity date
	maturityDate	date	required	Date of maturity for investment
	description	string	required	Nature of transaction
	interestPayout	enum(MONTHLY, QUARTERLY, HALF-YEARLY, YEARLY, OnMaturity)	required	Amount of interest which is paid to depositor till date
	interestRate	string	required	Rate of interest which decides amount of maturity
	principalAmount	string	required	Amount which is deposited by the account holder
	tenureDays	string	required	Days which are passed since investment made
	tenureMonths	string	required	Months which are passed since investment made
	tenureYears	string	required	Years which are passed since investment made
	recurringAmount	string	required	Amount or value of investment as on date
	recurringDepositDay	string	required	Day of the month when the monthly installment for the recurring deposit is to be paid
	interestComputation	enum(SIMPLE, COMPOUND)	required	Whether interest is to be Compound or Simple
	compoundingFrequency	enum(MONTHLY, QUARTERLY, HALF-YEARLY, YEARLY)	required	Frequency at which interest is compounded - monthly/quarterly/annually.
	interestPeriodicPayoutAmount	string	required	Amount paid with respect to interest computation and compounding frequency
	currentValue	string	required	Current value of investment as on date
	interestOnMaturity	string	required	Total Interest amount on deposit maturity
Transactions	Details of all transactions that have been posted in an account.
Attributes	Attribute Name	Type	Use	Annotation
	startDate	date	required	Start date of transaction or period for which details are require
	endDate	date	required	End date of transaction or period for which details are require
Transaction	Attribute Name	Type	Use	Annotation
	txnId	string	required	Transaction ID recorded or captured for investment made
	amount	float	required	The amount to be paid every month for the tenure of the Recurring Deposit
	narration	string	required	Nararation is additional details in form of decription of remark associated with investment
	type	enum(CREDIT, DEBIT)	required	Type of transaction whether withdrawal/debit or deposit/credit
	mode	enum(CASH, ATM, CARD_PAYMENT, UPI, FT, OTHERS)	required	Mode of investment captured whether online/demat or physical form
	balance	string	required	Current value of investment
	transactionDateTime	dateTimeStamp	required	Transaction date time stamp for particular record when investment taken place
	valueDate	date	required	Date when the transaction actually carries out. For example., cheque realization.
	reference	string	required	The cheque or reference no for the given transaction.