FI Schema – Term Deposit

FI Schema – Term Deposit

Term Deposit
Term Deposits (NBFC, FD) - deposits including fixed deposit accounts. Certificates of Deposit (CD).
AccountBasic 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.
AttributesNameTypeUseAnnotation
maskedAccNumberstringrequiredMasked Account No.
linkedAccRefstringrequiredLinked account reference no. for the account
versionfloatrequiredVersion of Schema
typestringrequiredType of Schema (Fixed: "deposit")
Profile
Holders
AttributesAttribute NameTypeUseAnnotation
Typeenum(SINGLE, JOINT)requiredType of account holding
HolderAttribute NameTypeUseAnnotation
namestringrequiredName of the Account Holder
dobdaterequiredDate of Birth of Account Holder
mobileintegerrequiredMobile no. of the Account Holder
nomineeenum(Registered, Not-Registered)requiredNominee registered for the account or not
landlinestringoptionalLandline no. of the Account Holder
addressstringoptionalAddress of the Account Holder
emailstringrequiredEmail id of the Account Holder
panstringrequiredPAN no. of the Account Holder
ckycCompliancebooleanrequiredCentral KYC record exists or not
Summary
AttributesAttribute NameTypeUseAnnotation
branchstringrequiredName of the branch
openingDatestringrequiredOpening date of the deposit
account
ifscstringrequiredIFSC Code of the issued bank
branch
accountTypeenum(FIXED, SWEEP,
RECURRING, SWEEP,
FLEXIBLE, TAXSAVING, FCNR,
OTHERS)
requiredTerm deposit account type
maturityDatedaterequiredDate of Maturity
descriptionstringrequiredDescription for the term deposit
interestPayoutenum(MONTHLY,
QUARTERLY, HALFYEARLY, YEARLY,
OnMaturity)
requiredInterval when the interest will
be paid out. Whether its
Monthly, Quarterly, Half Yearly,
Yearly or On Maturity of the
deposit.
interestRatestringrequiredRate of interest
principalAmountstringrequiredDeposit principal amount
tenureDaysstringrequiredTenure days of TD if its in days
then no. of days
tenureMonthsstringrequiredTenure months of TD if its in
months then no. of months
tenureYearsstringrequiredTenure years of TD if its in years
then no. of years
interestComputationenum(SIMPLE,
COMPOUND)
requiredHow the rate of interest is
computed whether its Simple
interest or Compound interest
compoundingFrequencyenum(MONTHLY,
QUARTERLY, HALFYEARLY, YEARLY)
requiredHow the rate of interest is
computed whether its monthly,
quartely, half yearly or yearly
interestPeriodicPayoutAmountstringrequiredAmount paid with respect to
interest computation and
compounding frequency
interestOnMaturitystringrequiredInterest paid on maturity
currentValuestringrequiredcurrentValue
Transactions
AttributesAttribute NameTypeUseAnnotation
startDatedaterequiredStart date of transactions
endDatedaterequiredEnd date of transactions
TransactionAttribute NameTypeUseAnnotation
txnIdstringrequiredUnique Transaction Id
amountfloatrequiredTransaction amount
narrationstringrequiredDescription of the transaction
typeenum(CREDIT, DEBIT)requiredTransaction type
modeenum(CASH, ATM, CARD_PAYMENT, UPI, FT, OTHERS)requiredTransaction mode
balancestringrequiredBalance after the transaction
transactionTimeStampdateTimeStamprequiredTransaction datetime
valueDatedaterequiredEffective date of transaction
referencestringrequiredTransaction reference number e.g. Cheque number