A find like the following produces an sql error because the eager loading logic does not join to the bank_accounts table.
User.find(:all,:include=>:bank_accounts, :conditions=>{:bank_accounts=> {:name=>'ICICI'}})
The issue and proposed resolution are documented in the following ticket.
https://rails.lighthouseapp.com/projects/8994/tickets/2596-include-and-nested-conditions-hash
Please review this patch.
Thanks,
Anthony