Indian real estate: property search, locality insights, affordability & pan-India stamp-duty tools.
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Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.
Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given.
Loan amount in INR. Pass this when the user states a specific loan (e.g. "₹50 lakh loan") rather than a property price. Defaults to 80% of propertyValue if omitted.
Loan tenure in years. Defaults to 20.
Annual interest rate (percent). Defaults to current market estimate.
Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.
| Argument | Type | Description |
|---|---|---|
| loanAmount | integer | Loan amount in INR. Pass this when the user states a specific loan (e.g. "₹50 lakh loan") rather than a property price. Defaults to 80% of propertyValue if omitted. |
| tenureYears | integer | Loan tenure in years. Defaults to 20. |
| propertyValue* | integer | Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given. |
| interestRatePercent | number | Annual interest rate (percent). Defaults to current market estimate. |
{
"type": "object",
"required": [
"propertyValue"
],
"properties": {
"loanAmount": {
"type": "integer",
"description": "Loan amount in INR. Pass this when the user states a specific loan (e.g. \"₹50 lakh loan\") rather than a property price. Defaults to 80% of propertyValue if omitted.",
"exclusiveMinimum": 0
},
"tenureYears": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Loan tenure in years. Defaults to 20."
},
"propertyValue": {
"type": "integer",
"description": "Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given.",
"exclusiveMinimum": 0
},
"interestRatePercent": {
"type": "number",
"maximum": 30,
"minimum": 1,
"description": "Annual interest rate (percent). Defaults to current market estimate."
}
}
}Compare staying on your current home loan vs. transferring (refinancing) to a lower rate. Pure deterministic math — no advice, no loan-approval claim. Use when the user asks "should I switch lenders / transfer my loan / refinance". Returns new EMI, interest saved over the remaining tenure, switching cost, net saving, and the breakeven month. Always surface the disclaimer field.
| Argument | Type | Description |
|---|---|---|
| flatCosts | integer | Flat legal + valuation charges in INR. Defaults to ₹12,500. |
| newRatePercent* | number | New lender annual interest rate (percent). |
| processingFeePct | number | New-lender processing fee on the balance (percent). Defaults to 0.5%. |
| currentRatePercent* | number | Current annual interest rate (percent). |
| outstandingPrincipal* | integer | Current outstanding home-loan principal in INR. |
| remainingTenureYears* | integer | Years left on the loan. |
{
"type": "object",
"required": [
"outstandingPrincipal",
"currentRatePercent",
"newRatePercent",
"remainingTenureYears"
],
"properties": {
"flatCosts": {
"type": "integer",
"minimum": 0,
"description": "Flat legal + valuation charges in INR. Defaults to ₹12,500."
},
"newRatePercent": {
"type": "number",
"maximum": 30,
"minimum": 1,
"description": "New lender annual interest rate (percent)."
},
"processingFeePct": {
"type": "number",
"maximum": 5,
"minimum": 0,
"description": "New-lender processing fee on the balance (percent). Defaults to 0.5%."
},
"currentRatePercent": {
"type": "number",
"maximum": 30,
"minimum": 1,
"description": "Current annual interest rate (percent)."
},
"outstandingPrincipal": {
"type": "integer",
"description": "Current outstanding home-loan principal in INR.",
"exclusiveMinimum": 0
},
"remainingTenureYears": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Years left on the loan."
}
}
}Compare 2–3 localities in one city side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better for buying/renting" about neighborhoods. Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. For specific LISTINGS by ID, use compare_properties instead.
| Argument | Type | Description |
|---|---|---|
| city* | string | Indian city covering all compared localities. |
| localities* | array | 2–3 localities to compare (array, not comma-separated string). |
| propertyType | string | Property type for comparison. |
{
"type": "object",
"required": [
"city",
"localities"
],
"properties": {
"city": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 60,
"minLength": 1,
"description": "Indian city covering all compared localities."
},
"localities": {
"type": "array",
"items": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 80,
"minLength": 1
},
"maxItems": 3,
"minItems": 2,
"description": "2–3 localities to compare (array, not comma-separated string)."
},
"propertyType": {
"enum": [
"apartment",
"villa",
"plot",
"independent_house"
],
"type": "string",
"description": "Property type for comparison."
}
}
}Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best ₹/sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Show verification.caveats with verified. Always surface the disclaimer.
| Argument | Type | Description |
|---|---|---|
| listingIds* | array | 2–5 AVnester listingIds (from search_properties results) to compare. IDs are not guessable — call search_properties first. Order is preserved in the output. |
{
"type": "object",
"required": [
"listingIds"
],
"properties": {
"listingIds": {
"type": "array",
"items": {
"type": "string",
"maxLength": 80,
"minLength": 1
},
"maxItems": 5,
"minItems": 2,
"description": "2–5 AVnester listingIds (from search_properties results) to compare. IDs are not guessable — call search_properties first. Order is preserved in the output."
}
}
}Estimate Indian state stamp duty + registration charges on a property purchase. Supports all 28 states + 8 UTs with buyer-gender concessions, urban/rural overrides, and commercial/agricultural multipliers. Pass constructionStatus to also itemize GST (under-construction 1%/5%, ready/resale 0%) for an all-in statutory quote. Returns supported=false for states outside India (supported set named in rateBasis). Not legal/tax advice. Always surface the disclaimer.
| Argument | Type | Description |
|---|---|---|
| city | string | City or town, e.g. "Pune". Decides the rate where the state prices by location (MH, KA, WB, MP, HR): Pune 7%, Mumbai 6%. Send the place as the buyer names it ("Kharghar"), not the wider city it is listed under. |
| state* | string | Indian state — ISO code ("MH"), slug ("maharashtra") or name ("Maharashtra"). Required. |
| isUrban | boolean | Urban (default) or rural. Used for the location when city and localBody are absent. |
| firstSale | boolean | True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. Absent: constructionStatus under_construction ⇒ true, resale ⇒ false, ready_to_move decides nothing (may be a resale). |
| localBody | string | Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said). |
Get aggregated insights for one locality: ₹/sqft, supply count, demand pulse, livability/investment grade, highlights, watchouts, monthly priceTrends, and strengthTags. Use when the user asks "what is X locality like". Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. Always surface the disclaimer field when returning livability or investment grade.
| Argument | Type | Description |
|---|---|---|
| city* | string | Indian city (required). |
| locality* | string | Locality name within an Indian city. |
{
"type": "object",
"required": [
"locality",
"city"
],
"properties": {
"city": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 60,
"minLength": 1,
"description": "Indian city (required)."
},
"locality": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 80,
"minLength": 1,
"description": "Locality name within an Indian city."
}
}
}Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: an AVnester listingId. Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.
| Argument | Type | Description |
|---|---|---|
| city | string | City (manual mode), e.g. "Pune" — decides Maharashtra stamp duty and the GST metro cap. Listing mode reads the listing. |
| state | string | Indian state (ISO "MH"/slug/name) for stamp duty. Required in manual mode; ignored in listing mode. |
| isUrban | boolean | Urban (default) or rural, where the state prices by location (MH, KA, WB, MP, HR); localBody or a known city decides instead. |
| assetType | string | "home" (flat/villa/house) or "plot" (bare land); manual mode only. Plot → shorter tenure, no home-loan tax benefit. |
| firstSale | boolean | True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. If absent, isUnderConstruction true means true. |
Fetch full public details for one AVnester listing by its listingId (from search_properties results — IDs are not guessable). Listings cover Tamil Nadu; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. State verification.caveats beside the verified flag: an approval is not a title, ownership or encumbrance check. Read-only, no side effects.
| Argument | Type | Description |
|---|---|---|
| listingId* | string | AVnester listingId, as returned in search_properties results (the `listingId` field). IDs are not guessable — call search_properties first. Also the trailing segment of a listing sourceUrl. |
{
"type": "object",
"required": [
"listingId"
],
"properties": {
"listingId": {
"type": "string",
"maxLength": 80,
"minLength": 1,
"description": "AVnester listingId, as returned in search_properties results (the `listingId` field). IDs are not guessable — call search_properties first. Also the trailing segment of a listing sourceUrl."
}
}
}Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math — not tax advice. Use when the user asks "old or new tax regime", "home-loan tax benefit", or "section 80C / 24(b) deduction". Models §24(b) interest + §80C principal (+ joint-loan doubling); the response lists benefits it does NOT model (capital gains, HRA, etc.). Always surface the disclaimer field.
| Argument | Type | Description |
|---|---|---|
| ageBand | string | Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senior 80+ → ₹5L). New regime unaffected. Defaults to below60. |
| other80C | integer | Other 80C investments in INR (PF, ELSS, insurance, etc.). |
| jointLoan | boolean | Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption). |
| saleValue | integer | NRI only — sale consideration in INR for §195 TDS computation. |
| annualRent | integer | Annual rent received in INR — required for let_out. |
| isSalaried | boolean | Whether the taxpayer is salaried (gets the standard deduction). |
| hasForm15CB | boolean |
Search residential property listings anywhere in Tamil Nadu, India — any city or town. Use when the user names a place, locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verification summary (verified + caveats); never returns seller contact details. Places outside Tamil Nadu return supported=false + scopeMessage — surface it.
| Argument | Type | Description |
|---|---|---|
| city | string | City or town in Tamil Nadu (e.g., "Coimbatore", "Madurai"). Omit to search every Tamil Nadu city. |
| limit | integer | Maximum number of listings to return (cap: 20). v1 abuse defense. |
| bedrooms | integer | Number of bedrooms (BHK). |
| locality | string | Locality/neighborhood within the city (e.g., "Saravanampatti"). |
| maxPrice | integer | Maximum price in INR. |
| minPrice | integer | Minimum price in INR. |
| furnishing | string | Furnishing status (rental queries). |
| propertyType | string | Property type. |
Simulate prepaying / repaying an Indian home loan early. Deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month. Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). emi = next EMI; finalEmi = after the last prepayment. Always surface the disclaimer field.
| Argument | Type | Description |
|---|---|---|
| strategy | string | reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both. |
| prepaymentMode | string | How the prepayment is made (annual anniversary vs every month). |
| prepaymentAmount | integer | One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes). |
| annualRatePercent | number | Current annual interest rate (percent). Defaults to the indicative market rate when omitted. |
| outstandingPrincipal* | integer | Current outstanding home-loan principal in INR. |
| remainingTenureYears* | integer | Years left on the loan at the current EMI. |
| buyerGender | string | "female" (a woman), "joint" (a man and a woman together) or "male" (default; two women: female). Changes the price only where a state gives women a concession. Overrides isWomanBuyer. |
| isWomanBuyer | boolean | Backward-compatibility shim — prefer buyerGender. When true, internally treated as buyerGender="female". |
| propertyType | string | residential (default), plot (bare land; a residential-only concession does not reach it), commercial or agricultural. |
| propertyValue* | integer | Sale value in INR for stamp-duty calculation. |
| carpetAreaSqft | integer | Carpet area (sqft) — with value, decides the affordable-housing 1% GST slab. |
| constructionStatus | string | When set, also itemizes GST: under-construction = 1% (affordable) / 5%; ready/resale = 0%. Omit → GST not computed. |
{
"type": "object",
"required": [
"propertyValue",
"state"
],
"properties": {
"city": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 60,
"minLength": 1,
"description": "City or town, e.g. \"Pune\". Decides the rate where the state prices by location (MH, KA, WB, MP, HR): Pune 7%, Mumbai 6%. Send the place as the buyer names it (\"Kharghar\"), not the wider city it is listed under."
},
"state": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 50,
"minLength": 1,
"description": "Indian state — ISO code (\"MH\"), slug (\"maharashtra\") or name (\"Maharashtra\"). Required."
},
"isUrban": {
"type": "boolean",
"description": "Urban (default) or rural. Used for the location when city and localBody are absent."
},
"firstSale": {
"type": "boolean",
"description": "True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. Absent: constructionStatus under_construction ⇒ true, resale ⇒ false, ready_to_move decides nothing (may be a resale)."
},
"localBody": {
"enum": [
"municipal_corporation",
"municipal_council",
"gram_panchayat"
],
"type": "string",
"description": "Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said)."
},
"buyerGender": {
"enum": [
"male",
"female",
"joint"
],
"type": "string",
"description": "\"female\" (a woman), \"joint\" (a man and a woman together) or \"male\" (default; two women: female). Changes the price only where a state gives women a concession. Overrides isWomanBuyer."
},
"isWomanBuyer": {
"type": "boolean",
"default": false,
"description": "Backward-compatibility shim — prefer buyerGender. When true, internally treated as buyerGender=\"female\"."
},
"propertyType": {
"enum": [
"residential",
"commercial",
"agricultural",
"plot"
],
"type": "string",
"description": "residential (default), plot (bare land; a residential-only concession does not reach it), commercial or agricultural."
},
"propertyValue": {
"type": "integer",
"maximum": 10000000000,
"description": "Sale value in INR for stamp-duty calculation.",
"exclusiveMinimum": 0
},
"carpetAreaSqft": {
"type": "integer",
"maximum": 100000,
"description": "Carpet area (sqft) — with value, decides the affordable-housing 1% GST slab.",
"exclusiveMinimum": 0
},
"constructionStatus": {
"enum": [
"under_construction",
"ready_to_move",
"resale"
],
"type": "string",
"description": "When set, also itemizes GST: under-construction = 1% (affordable) / 5%; ready/resale = 0%. Omit → GST not computed."
}
}
}| jointLoan |
| boolean |
| Joint home loan — doubles 80C/24b caps (equal split). |
| listingId | string | An AVnester listingId. Listing mode — propertyValue, state and city are then ignored, with a warning. |
| localBody | string | Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said). Manual mode only. |
| annualRent | integer | Annual rent received (let-out). |
| cibilScore | integer | Numeric CIBIL score. Omit → eligibility stays indicative. |
| buyerGender | string | "female" (a woman), "joint" (a man and a woman together) or "male" (default; two women: female). Changes the price only where a state gives women a concession. |
| tenureYears | integer | Loan tenure in years. Defaults to 20. |
| propertyValue | integer | Property price in INR (manual mode). Pass with state (and city where it matters). |
| carpetAreaSqft | integer | Carpet area (sqft) — sharpens the affordable-housing GST test (with the ₹45L value cap). |
| employmentType | string | Employment type (affects tax standard deduction). |
| occupancyIntent | string | Self-occupied vs let-out — changes §24(b) interest treatment. Omitted → self-occupied. |
| residencyStatus | string | Residency status. |
| monthlyNetIncome* | integer | Buyer monthly take-home income in INR. |
| savingsAvailable | integer | Liquid cash for down payment + charges — enables the cash-gap calc. |
| annualIncomeForTax | integer | Annual income for tax. Defaults to monthlyNetIncome × 12. |
| existingMonthlyEmis | integer | Existing monthly loan EMIs in ₹ (car/personal/cards). Omitted → assumed ₹0, which can inflate eligibility and flip the verdict — ask the buyer. |
| interestRatePercent | number | Override annual interest rate. Defaults to indicative market rate. |
| isUnderConstruction | boolean | Under-construction → GST applies; ready-to-move → no GST. Omitted → ready-to-move (no GST). |
| coApplicantMonthlyIncome | integer | Co-applicant monthly income (joint affordability). |
{
"type": "object",
"required": [
"monthlyNetIncome"
],
"properties": {
"city": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 60,
"minLength": 1,
"description": "City (manual mode), e.g. \"Pune\" — decides Maharashtra stamp duty and the GST metro cap. Listing mode reads the listing."
},
"state": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 50,
"minLength": 1,
"description": "Indian state (ISO \"MH\"/slug/name) for stamp duty. Required in manual mode; ignored in listing mode."
},
"isUrban": {
"type": "boolean",
"description": "Urban (default) or rural, where the state prices by location (MH, KA, WB, MP, HR); localBody or a known city decides instead."
},
"assetType": {
"enum": [
"home",
"plot"
],
"type": "string",
"description": "\"home\" (flat/villa/house) or \"plot\" (bare land); manual mode only. Plot → shorter tenure, no home-loan tax benefit."
},
"firstSale": {
"type": "boolean",
"description": "True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. If absent, isUnderConstruction true means true."
},
"jointLoan": {
"type": "boolean",
"description": "Joint home loan — doubles 80C/24b caps (equal split)."
},
"listingId": {
"type": "string",
"maxLength": 80,
"minLength": 1,
"description": "An AVnester listingId. Listing mode — propertyValue, state and city are then ignored, with a warning."
},
"localBody": {
"enum": [
"municipal_corporation",
"municipal_council",
"gram_panchayat"
],
"type": "string",
"description": "Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said). Manual mode only."
},
"annualRent": {
"type": "integer",
"minimum": 0,
"description": "Annual rent received (let-out)."
},
"cibilScore": {
"type": "integer",
"maximum": 900,
"minimum": 300,
"description": "Numeric CIBIL score. Omit → eligibility stays indicative."
},
"buyerGender": {
"enum": [
"male",
"female",
"joint"
],
"type": "string",
"description": "\"female\" (a woman), \"joint\" (a man and a woman together) or \"male\" (default; two women: female). Changes the price only where a state gives women a concession."
},
"tenureYears": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Loan tenure in years. Defaults to 20."
},
"propertyValue": {
"type": "integer",
"maximum": 1000000000,
"description": "Property price in INR (manual mode). Pass with state (and city where it matters).",
"exclusiveMinimum": 0
},
"carpetAreaSqft": {
"type": "integer",
"maximum": 100000,
"description": "Carpet area (sqft) — sharpens the affordable-housing GST test (with the ₹45L value cap).",
"exclusiveMinimum": 0
},
"employmentType": {
"enum": [
"salaried",
"self_employed"
],
"type": "string",
"description": "Employment type (affects tax standard deduction)."
},
"occupancyIntent": {
"enum": [
"self_occupied",
"let_out"
],
"type": "string",
"description": "Self-occupied vs let-out — changes §24(b) interest treatment. Omitted → self-occupied."
},
"residencyStatus": {
"enum": [
"resident",
"nri"
],
"type": "string",
"description": "Residency status."
},
"monthlyNetIncome": {
"type": "integer",
"maximum": 100000000,
"description": "Buyer monthly take-home income in INR.",
"exclusiveMinimum": 0
},
"savingsAvailable": {
"type": "integer",
"maximum": 10000000000,
"minimum": 0,
"description": "Liquid cash for down payment + charges — enables the cash-gap calc."
},
"annualIncomeForTax": {
"type": "integer",
"minimum": 0,
"description": "Annual income for tax. Defaults to monthlyNetIncome × 12."
},
"existingMonthlyEmis": {
"type": "integer",
"maximum": 100000000,
"minimum": 0,
"description": "Existing monthly loan EMIs in ₹ (car/personal/cards). Omitted → assumed ₹0, which can inflate eligibility and flip the verdict — ask the buyer."
},
"interestRatePercent": {
"type": "number",
"maximum": 30,
"minimum": 1,
"description": "Override annual interest rate. Defaults to indicative market rate."
},
"isUnderConstruction": {
"type": "boolean",
"description": "Under-construction → GST applies; ready-to-move → no GST. Omitted → ready-to-move (no GST)."
},
"coApplicantMonthlyIncome": {
"type": "integer",
"maximum": 100000000,
"minimum": 0,
"description": "Co-applicant monthly income (joint affordability)."
}
}
}| NRI only — whether Form 15CB CA-attestation is already in hand. |
| indexedCost | integer | NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale value. |
| annualIncome* | integer | Annual gross income in INR EXCLUDING house property (salary + other income). |
| propertyType | string | Whether the property is self-occupied or let out. |
| holdingMonths | integer | NRI only — holding period in months. ≤24 is STCG; >24 is LTCG. |
| nroBalanceUsd | number | NRI only — NRO account balance in USD equivalent for the repatriation cap math. |
| ytdRemittedUsd | number | NRI only — FY-to-date USD already remitted under the $1M cap. |
| residencyStatus | string | Default resident. Pass nri to get §195 TDS + LRS-cap math in the response. |
| homeLoanInterest* | integer | Annual home-loan interest paid (INR). |
| homeLoanPrincipal* | integer | Annual home-loan principal repaid (INR) — counts toward 80C. |
| countryOfResidence | string | NRI only — DTAA article lookup hint. Free-form country name. |
| otherOldRegimeDeductions | integer | Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.). |
{
"type": "object",
"required": [
"annualIncome",
"homeLoanInterest",
"homeLoanPrincipal"
],
"properties": {
"ageBand": {
"enum": [
"below60",
"senior",
"super_senior"
],
"type": "string",
"description": "Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senior 80+ → ₹5L). New regime unaffected. Defaults to below60."
},
"other80C": {
"type": "integer",
"minimum": 0,
"description": "Other 80C investments in INR (PF, ELSS, insurance, etc.)."
},
"jointLoan": {
"type": "boolean",
"default": false,
"description": "Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption)."
},
"saleValue": {
"type": "integer",
"minimum": 0,
"description": "NRI only — sale consideration in INR for §195 TDS computation."
},
"annualRent": {
"type": "integer",
"minimum": 0,
"description": "Annual rent received in INR — required for let_out."
},
"isSalaried": {
"type": "boolean",
"default": true,
"description": "Whether the taxpayer is salaried (gets the standard deduction)."
},
"hasForm15CB": {
"type": "boolean",
"description": "NRI only — whether Form 15CB CA-attestation is already in hand."
},
"indexedCost": {
"type": "integer",
"minimum": 0,
"description": "NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale value."
},
"annualIncome": {
"type": "integer",
"description": "Annual gross income in INR EXCLUDING house property (salary + other income).",
"exclusiveMinimum": 0
},
"propertyType": {
"enum": [
"self_occupied",
"let_out"
],
"type": "string",
"default": "self_occupied",
"description": "Whether the property is self-occupied or let out."
},
"holdingMonths": {
"type": "integer",
"minimum": 0,
"description": "NRI only — holding period in months. ≤24 is STCG; >24 is LTCG."
},
"nroBalanceUsd": {
"type": "number",
"minimum": 0,
"description": "NRI only — NRO account balance in USD equivalent for the repatriation cap math."
},
"ytdRemittedUsd": {
"type": "number",
"minimum": 0,
"description": "NRI only — FY-to-date USD already remitted under the $1M cap."
},
"residencyStatus": {
"enum": [
"resident",
"nri"
],
"type": "string",
"description": "Default resident. Pass nri to get §195 TDS + LRS-cap math in the response."
},
"homeLoanInterest": {
"type": "integer",
"minimum": 0,
"description": "Annual home-loan interest paid (INR)."
},
"homeLoanPrincipal": {
"type": "integer",
"minimum": 0,
"description": "Annual home-loan principal repaid (INR) — counts toward 80C."
},
"countryOfResidence": {
"type": "string",
"maxLength": 50,
"description": "NRI only — DTAA article lookup hint. Free-form country name."
},
"otherOldRegimeDeductions": {
"type": "integer",
"minimum": 0,
"description": "Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.)."
}
}
}| rentalStructure | string | Rental money structure: monthly rent, or a lump-sum lease (one refundable amount for a fixed tenure, no monthly rent). Only meaningful with transactionType=rent. Omit to include both. |
| transactionType | string | Whether to search for sale or rent. Omit to include both. |
{
"type": "object",
"properties": {
"city": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 60,
"minLength": 1,
"description": "City or town in Tamil Nadu (e.g., \"Coimbatore\", \"Madurai\"). Omit to search every Tamil Nadu city."
},
"limit": {
"type": "integer",
"default": 10,
"maximum": 20,
"minimum": 1,
"description": "Maximum number of listings to return (cap: 20). v1 abuse defense."
},
"bedrooms": {
"type": "integer",
"maximum": 10,
"minimum": 1,
"description": "Number of bedrooms (BHK)."
},
"locality": {
"type": "string",
"pattern": "^[A-Za-z0-9 .,'’()\\--ऀ-ॿ]+$",
"maxLength": 80,
"minLength": 1,
"description": "Locality/neighborhood within the city (e.g., \"Saravanampatti\")."
},
"maxPrice": {
"type": "integer",
"minimum": 0,
"description": "Maximum price in INR."
},
"minPrice": {
"type": "integer",
"minimum": 0,
"description": "Minimum price in INR."
},
"furnishing": {
"enum": [
"furnished",
"semi-furnished",
"unfurnished"
],
"type": "string",
"description": "Furnishing status (rental queries)."
},
"propertyType": {
"enum": [
"apartment",
"villa",
"plot",
"independent_house"
],
"type": "string",
"description": "Property type."
},
"rentalStructure": {
"enum": [
"monthly",
"lease"
],
"type": "string",
"description": "Rental money structure: monthly rent, or a lump-sum lease (one refundable amount for a fixed tenure, no monthly rent). Only meaningful with transactionType=rent. Omit to include both."
},
"transactionType": {
"enum": [
"sale",
"rent"
],
"type": "string",
"description": "Whether to search for sale or rent. Omit to include both."
}
}
}| recurringAnnualAmount | integer | Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes). |
| recurringMonthlyAmount | integer | Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes). |
{
"type": "object",
"required": [
"outstandingPrincipal",
"remainingTenureYears"
],
"properties": {
"strategy": {
"enum": [
"reduce_tenure",
"reduce_emi",
"compare_both"
],
"type": "string",
"default": "compare_both",
"description": "reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both."
},
"prepaymentMode": {
"enum": [
"one_time",
"recurring_annual",
"recurring_monthly",
"one_time_plus_recurring",
"one_time_plus_recurring_monthly"
],
"type": "string",
"default": "one_time",
"description": "How the prepayment is made (annual anniversary vs every month)."
},
"prepaymentAmount": {
"type": "integer",
"default": 0,
"minimum": 0,
"description": "One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes)."
},
"annualRatePercent": {
"type": "number",
"maximum": 30,
"minimum": 1,
"description": "Current annual interest rate (percent). Defaults to the indicative market rate when omitted."
},
"outstandingPrincipal": {
"type": "integer",
"description": "Current outstanding home-loan principal in INR.",
"exclusiveMinimum": 0
},
"remainingTenureYears": {
"type": "integer",
"maximum": 40,
"minimum": 1,
"description": "Years left on the loan at the current EMI."
},
"recurringAnnualAmount": {
"type": "integer",
"default": 0,
"minimum": 0,
"description": "Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes)."
},
"recurringMonthlyAmount": {
"type": "integer",
"default": 0,
"minimum": 0,
"description": "Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes)."
}
}
}