FinanceGenius.AI

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.

{
  "type": "object",
  "properties": {
    "product_type": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "title": "Product Type"
    },
    "search_query": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "title": "Search Query"
    },
    "min_rating": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "title": "Min Rating"
    }
  },
  "title": "search_indian_productsArguments"
}

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.

{
  "type": "object",
  "properties": {
    "product_slug": {
      "title": "Product Slug",
      "type": "string"
    }
  },
  "required": [
    "product_slug"
  ],
  "title": "get_product_detailsArguments"
}

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.

{
  "type": "object",
  "properties": {
    "product_slugs": {
      "items": {
        "type": "string"
      },
      "title": "Product Slugs",
      "type": "array"
    }
  },
  "required": [
    "product_slugs"
  ],
  "title": "compare_productsArguments"
}

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.

{
  "type": "object",
  "properties": {
    "principal": {
      "title": "Principal",
      "type": "number"
    },
    "annual_rate": {
      "title": "Annual Rate",
      "type": "number"
    },
    "tenure_months": {
      "title": "Tenure Months",
      "type": "integer"
    }
  },
  "required": [
    "principal",
    "annual_rate",
    "tenure_months"
  ],
  "title": "calculate_emiArguments"
}

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.

{
  "type": "object",
  "properties": {
    "monthly_amount": {
      "title": "Monthly Amount",
      "type": "number"
    },
    "annual_return_pct": {
      "title": "Annual Return Pct",
      "type": "number"
    },
    "years": {
      "title": "Years",
      "type": "integer"
    }
  },
  "required": [
    "monthly_amount",
    "annual_return_pct",
    "years"
  ],
  "title": "calculate_sipArguments"
}

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.

{
  "type": "object",
  "properties": {
    "initial_value": {
      "title": "Initial Value",
      "type": "number"
    },
    "final_value": {
      "title": "Final Value",
      "type": "number"
    },
    "years": {
      "title": "Years",
      "type": "integer"
    }
  },
  "required": [
    "initial_value",
    "final_value",
    "years"
  ],
  "title": "calculate_cagrArguments"
}

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.

{
  "type": "object",
  "properties": {
    "deposit_amount": {
      "title": "Deposit Amount",
      "type": "number"
    },
    "annual_rate": {
      "title": "Annual Rate",
      "type": "number"
    },
    "years": {
      "title": "Years",
      "type": "number"
    },
    "compounding": {
      "default": "quarterly",
      "title": "Compounding",
      "type": "string"
    }
  },
  "required": [
    "deposit_amount",
    "annual_rate",
    "years"
  ],
  "title": "calculate_fd_maturityArguments"
}

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.

{
  "type": "object",
  "properties": {
    "annual_income": {
      "title": "Annual Income",
      "type": "number"
    },
    "regime": {
      "default": "new",
      "title": "Regime",
      "type": "string"
    },
    "deductions_80c": {
      "default": 0,
      "title": "Deductions 80C",
      "type": "number"
    },
    "deductions_80d": {
      "default": 0,
      "title": "Deductions 80D",
      "type": "number"
    },
    "hra_exemption": {
      "default": 0,
      "title": "Hra Exemption",
      "type": "number"
    }
  },
  "required": [
    "annual_income"
  ],
  "title": "calculate_indian_income_taxArguments"
}

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.

{
  "type": "object",
  "properties": {
    "amfi_scheme_code": {
      "title": "Amfi Scheme Code",
      "type": "string"
    }
  },
  "required": [
    "amfi_scheme_code"
  ],
  "title": "get_mutual_fund_navArguments"
}

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').

{
  "type": "object",
  "properties": {
    "query": {
      "title": "Query",
      "type": "string"
    },
    "institution": {
      "anyOf": [
        {
          "type": "string"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "title": "Institution"
    }
  },
  "required": [
    "query"
  ],
  "title": "explain_financial_conceptArguments"
}

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.

{
  "type": "object",
  "properties": {
    "amount": {
      "title": "Amount",
      "type": "number"
    },
    "years": {
      "title": "Years",
      "type": "number"
    },
    "is_senior_citizen": {
      "default": false,
      "title": "Is Senior Citizen",
      "type": "boolean"
    },
    "tax_slab_pct": {
      "default": 30,
      "title": "Tax Slab Pct",
      "type": "number"
    }
  },
  "required": [
    "amount",
    "years"
  ],
  "title": "find_best_fdArguments"
}

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.

{
  "type": "object",
  "properties": {
    "monthly_spend": {
      "title": "Monthly Spend",
      "type": "number"
    },
    "primary_category": {
      "default": "general",
      "title": "Primary Category",
      "type": "string"
    },
    "annual_income": {
      "anyOf": [
        {
          "type": "number"
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "title": "Annual Income"
    },
    "prefer_no_annual_fee": {
      "default": false,
      "title": "Prefer No Annual Fee",
      "type": "boolean"
    }
  },
  "required": [
    "monthly_spend"
  ],
  "title": "find_best_card_for_spendArguments"
}