search_indian_products
Search Indian financial products
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.
Parametersmin_ratingproduct_typesearch_query
get_product_details
Get product details
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.
Parametersproduct_slugrequired
compare_products
Compare products side by side
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.
Parametersproduct_slugsrequired
calculate_emi
Calculate loan EMI
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.
Parametersprincipalrequiredannual_raterequiredtenure_monthsrequired
calculate_sip
Calculate SIP returns
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.
Parametersyearsrequiredmonthly_amountrequiredannual_return_pctrequired
calculate_cagr
Calculate CAGR
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.
Parametersyearsrequiredfinal_valuerequiredinitial_valuerequired
calculate_fd_maturity
Calculate FD maturity
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.
Parametersyearsrequiredannual_raterequiredcompoundingdeposit_amountrequired
calculate_indian_income_tax
Calculate Indian income tax
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.
Parametersregimeannual_incomerequiredhra_exemptiondeductions_80cdeductions_80d
get_mutual_fund_nav
Get mutual fund NAV
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.
Parametersamfi_scheme_coderequired
explain_financial_concept
Explain a financial concept
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').
Parametersqueryrequiredinstitution
find_best_fd
Find the best fixed deposit
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.
Parametersyearsrequiredamountrequiredtax_slab_pctis_senior_citizen
find_best_card_for_spend
Find the best credit card
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.
Parametersannual_incomemonthly_spendrequiredprimary_categoryprefer_no_annual_fee
