India's financial MCP — cards, loans, FDs, insurance, MFs; EMI/SIP/tax calcs; NAV lookup; RAG.
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Calculate the Compound Annual Growth Rate (CAGR) of an investment. Args: initial_value: Initial investment in rupees. final_value: Final value in rupees. years: Holding period in years.
Calculate the Compound Annual Growth Rate (CAGR) of an investment. Args: initial_value: Initial investment in rupees. final_value: Final value in rupees. years: Holding period in years.
| Argument | Type | Description |
|---|---|---|
| years* | integer | |
| final_value* | number | |
| initial_value* | number |
{
"type": "object",
"title": "calculate_cagrArguments",
"required": [
"initial_value",
"final_value",
"years"
],
"properties": {
"years": {
"type": "integer",
"title": "Years"
},
"final_value": {
"type": "number",
"title": "Final Value"
},
"initial_value": {
"type": "number",
"title": "Initial Value"
}
}
}Calculate EMI for a loan with year-by-year amortisation schedule. Args: principal: Loan amount in rupees. annual_rate: Annual interest rate as a percentage (e.g. 10.5 for 10.5%). tenure_months: Loan tenure in months. Returns: Monthly EMI, total interest, total payment, and amortisation schedule.
| Argument | Type | Description |
|---|---|---|
| principal* | number | |
| annual_rate* | number | |
| tenure_months* | integer |
{
"type": "object",
"title": "calculate_emiArguments",
"required": [
"principal",
"annual_rate",
"tenure_months"
],
"properties": {
"principal": {
"type": "number",
"title": "Principal"
},
"annual_rate": {
"type": "number",
"title": "Annual Rate"
},
"tenure_months": {
"type": "integer",
"title": "Tenure Months"
}
}
}Calculate FD maturity amount with compounding. Args: deposit_amount: Principal deposit in rupees. annual_rate: Annual interest rate as a percentage. years: FD tenure in years (e.g. 1.5 for 18 months). compounding: One of 'monthly', 'quarterly', 'half_yearly', 'yearly'. Most Indian FDs compound quarterly.
| Argument | Type | Description |
|---|---|---|
| years* | number | |
| annual_rate* | number | |
| compounding | string | |
| deposit_amount* | number |
{
"type": "object",
"title": "calculate_fd_maturityArguments",
"required": [
"deposit_amount",
"annual_rate",
"years"
],
"properties": {
"years": {
"type": "number",
"title": "Years"
},
"annual_rate": {
"type": "number",
"title": "Annual Rate"
},
"compounding": {
"type": "string",
"title": "Compounding",
"default": "quarterly"
},
"deposit_amount": {
"type": "number",
"title": "Deposit Amount"
}
}
}Compute Indian income tax for FY 2025-26 under old or new regime. Args: annual_income: Gross annual income in rupees. regime: 'new' (default) or 'old'. deductions_80c: Section 80C deductions in rupees (max ₹1,50,000, old regime only). deductions_80d: Section 80D health-insurance premium (old regime only). hra_exemption: HRA exemption amount (old regime only). Returns: Slab breakdown, total tax, effective rate, regime comparison.
| Argument | Type | Description |
|---|---|---|
| regime | string | |
| annual_income* | number | |
| hra_exemption | number | |
| deductions_80c | number | |
| deductions_80d | number |
{
"type": "object",
"title": "calculate_indian_income_taxArguments",
"required": [
"annual_income"
],
"properties": {
"regime": {
"type": "string",
"title": "Regime",
"default": "new"
},
"annual_income": {
"type": "number",
"title": "Annual Income"
},
"hra_exemption": {
"type": "number",
"title": "Hra Exemption",
"default": 0
},
"deductions_80c": {
"type": "number",
"title": "Deductions 80C",
"default": 0
},
"deductions_80d": {
"type": "number",
"title": "Deductions 80D",
"default": 0
}
}
}Calculate future value of a Systematic Investment Plan (SIP). Args: monthly_amount: Monthly SIP contribution in rupees. annual_return_pct: Expected annual return (e.g. 12 for 12%). years: Investment horizon in years.
| Argument | Type | Description |
|---|---|---|
| years* | integer | |
| monthly_amount* | number | |
| annual_return_pct* | number |
{
"type": "object",
"title": "calculate_sipArguments",
"required": [
"monthly_amount",
"annual_return_pct",
"years"
],
"properties": {
"years": {
"type": "integer",
"title": "Years"
},
"monthly_amount": {
"type": "number",
"title": "Monthly Amount"
},
"annual_return_pct": {
"type": "number",
"title": "Annual Return Pct"
}
}
}Side-by-side compare 2-4 products of the same category. Args: product_slugs: List of 2-4 product slugs. All must be in the same category (e.g. all credit cards, or all FDs). Returns: A markdown comparison table highlighting feature differences.
| Argument | Type | Description |
|---|---|---|
| product_slugs* | array |
{
"type": "object",
"title": "compare_productsArguments",
"required": [
"product_slugs"
],
"properties": {
"product_slugs": {
"type": "array",
"items": {
"type": "string"
},
"title": "Product Slugs"
}
}
}Look up Indian financial products and terms in FinanceGenius.AI's catalogue. Hybrid retrieval (BM25 + semantic + product database, fused with Reciprocal Rank Fusion) over our product records. Good for questions anchored to real products: 'which HDFC cards waive the annual fee?', 'what does the Bajaj FD pay for 3 years?', 'ELSS options with a 3-year lock-in'. Not a general financial encyclopedia: the curated explainer knowledge base is not loaded in production, so abstract questions ('how does APR work?') fall back to product matches. Say so rather than dressing a product listing up as an explanation. Args: query: The financial question or concept to explain. institution: Optional — narrow search to one institution (e.g. 'hdfc-bank').
| Argument | Type | Description |
|---|---|---|
| query* | string | |
| institution | any |
{
"type": "object",
"title": "explain_financial_conceptArguments",
"required": [
"query"
],
"properties": {
"query": {
"type": "string",
"title": "Query"
},
"institution": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"title": "Institution",
"default": null
}
}
}Recommend Indian credit cards based on spending pattern. Args: monthly_spend: Total monthly card spend in rupees. primary_category: One of 'grocery', 'fuel', 'dining', 'travel', 'online_shopping', 'utilities', 'general'. Defaults to 'general' — "which card for ₹40,000 a month?" is a complete question, and making this required turned it into a validation error. annual_income: Annual income to filter cards by eligibility (optional). prefer_no_annual_fee: True to prioritise lifetime-free cards. Returns: Top 5 cards with estimated annual cashback/rewards value.
| Argument | Type | Description |
|---|---|---|
| annual_income | any | |
| monthly_spend* | number | |
| primary_category | string | |
| prefer_no_annual_fee | boolean |
{
"type": "object",
"title": "find_best_card_for_spendArguments",
"required": [
"monthly_spend"
],
"properties": {
"annual_income": {
"anyOf": [
{
"type": "number"
},
{
"type": "null"
}
],
"title": "Annual Income",
"default": null
},
"monthly_spend": {
"type": "number",
"title": "Monthly Spend"
},
"primary_category": {
"type": "string",
"title": "Primary Category",
"default": "general"
},
"prefer_no_annual_fee": {
"type": "boolean",
"title": "Prefer No Annual Fee",
"default": false
}
}
}Rank Indian Fixed Deposits by net-of-tax yield for a given amount + tenure. Args: amount: Investment amount in rupees. years: FD tenure in years (e.g. 1.5 for 18 months). is_senior_citizen: True to use senior-citizen rates (typically +0.5%). tax_slab_pct: Investor's income tax slab as a percentage (5/10/20/30). FD interest is fully taxable; this is used for net-yield ranking. Returns: Top 5 FDs sorted by net-of-tax maturity, each showing gross & net amount.
| Argument | Type | Description |
|---|---|---|
| years* | number | |
| amount* | number | |
| tax_slab_pct | number | |
| is_senior_citizen | boolean |
{
"type": "object",
"title": "find_best_fdArguments",
"required": [
"amount",
"years"
],
"properties": {
"years": {
"type": "number",
"title": "Years"
},
"amount": {
"type": "number",
"title": "Amount"
},
"tax_slab_pct": {
"type": "number",
"title": "Tax Slab Pct",
"default": 30
},
"is_senior_citizen": {
"type": "boolean",
"title": "Is Senior Citizen",
"default": false
}
}
}Get the latest NAV of an Indian mutual fund by AMFI scheme code. Args: amfi_scheme_code: AMFI scheme code (e.g. '119598' for SBI Bluechip Direct). Find codes at mfapi.in or amfiindia.com. Returns: Scheme name, latest NAV, NAV date, fund house, scheme type.
| Argument | Type | Description |
|---|---|---|
| amfi_scheme_code* | string |
{
"type": "object",
"title": "get_mutual_fund_navArguments",
"required": [
"amfi_scheme_code"
],
"properties": {
"amfi_scheme_code": {
"type": "string",
"title": "Amfi Scheme Code"
}
}
}Get full details of a specific product by its slug. Args: product_slug: The URL-safe identifier (e.g. 'hdfc-millennia-credit-card'). Get slugs from search_indian_products.
| Argument | Type | Description |
|---|---|---|
| product_slug* | string |
{
"type": "object",
"title": "get_product_detailsArguments",
"required": [
"product_slug"
],
"properties": {
"product_slug": {
"type": "string",
"title": "Product Slug"
}
}
}Search FinanceGenius.AI's catalogue of Indian financial products. Args: product_type: One of 'credit_card', 'loan', 'deposit', 'insurance', 'investment'. Omit to search across all categories. search_query: Free-text search (matches name + description). E.g. 'cashback', 'home loan', 'HDFC'. min_rating: Filter to products with rating >= this value (1-5 scale). Returns: Up to 10 matching products, sorted by popularity.
| Argument | Type | Description |
|---|---|---|
| min_rating | any | |
| product_type | any | |
| search_query | any |
{
"type": "object",
"title": "search_indian_productsArguments",
"properties": {
"min_rating": {
"anyOf": [
{
"type": "number"
},
{
"type": "null"
}
],
"title": "Min Rating",
"default": null
},
"product_type": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"title": "Product Type",
"default": null
},
"search_query": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"title": "Search Query",
"default": null
}
}
}