Test a fixed deposit and the maturity it projects

The checks that matter

The projection and the receipt are the same number computed twice, which is exactly the shape that lets them drift.

Asserting interest and principal separately on the receipt is what makes the maturity checkable rather than merely repeated. The two have to sum to the third, and a receipt that restates a wrong projection consistently would otherwise pass.

The flow as a test file

The tenure is selected by its label including the rate, so a tenure that silently applies a different rate fails at selection rather than at the maturity figure.

---
mode: testing
url: https://my-testing-repo-main.vercel.app/hdfc-clone-app/deposits?reset=true
max_steps: 45
tags: [hdfc-bank, banking, deposits]
---

# Hindfirst Bank 24.3: FD creation

Catalog objective: open a fixed deposit, choosing a tenure and an amount.
Key assertion: the receipt shows the maturity amount.

## Set the deposit up
Leave "Fund from" on the Savings Account, leave "Amount" as "100000", select "12 months - 7.10%" in "Tenure", and verify "Rate applied" reads "7.10% per annum".

## Check the projected maturity
Verify "Maturity amount" in the preview reads "₹107,291.28".

## Open the deposit
Click "Open the deposit" and verify a green card titled "Fixed deposit opened" appears.

## Verify the receipt
Verify the receipt shows "Deposit number" of "FD770118", "Principal" of "₹100,000.00", "Tenure" of "12 months", "Rate" of "7.10% per annum", "Interest earned" of "₹7,291.28" and "Maturity amount" of "₹107,291.28".

The projection is asserted in its own step, before the deposit is opened, because that is the number the customer makes the decision on.

Step by step coverage

A quote, a projection, the action, and the record.

Six values on the receipt against one action is the right ratio for a product the customer cannot exit without penalty.

Adding it to a suite

kane-cli testmd run tests/hdfc-bank/fd-creation_test.md

Add a variant at a different tenure, since the rate changes with it and a rate table is the thing most likely to be updated without the calculation following.

Financial projections are worth tying back to a written source. Deriving a suite from requirements covers that, and evidence based QA covers retaining proof of what was quoted.