FinanceGenius.AI

Explain a financial concept

explain_financial_concept

Read-only

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').

Input Schema

TableJSON Schema

Name	Required	Description	Default
`query`	Yes
`institution`	No

Schema Changelog

Changes observed during successful MCP inspections.

First observedSep 1, 2026

TDQS

A4.7/5.0

Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations cover the safety profile (readOnly, non-destructive, closed-world), and the description adds substantial non-obvious behavior: the hybrid BM25+semantic+RRF retrieval over product records, and the critical disclosure that the curated explainer KB is not loaded in production so conceptual queries degrade to product matches. That is a real operational caveat an agent could not infer from annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Purpose and retrieval behavior are front-loaded, and the Args block is tight. The docstring-style formatting adds a little structural overhead versus prose, but no sentence is filler — each one (retrieval mechanism, examples, limitation) carries information.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a 2-param read-only retrieval tool with no output schema, the definition covers purpose, routing, retrieval mechanics, and the failure mode. What it does not describe is the shape of the returned matches (fields, count, pagination), which would help an agent consume results, though it is a minor gap given no output schema is declared.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0%, so the description carries the full burden, and it does document both params: query as the financial question/concept, and institution as an optional narrowing filter with a concrete format example ('hdfc-bank'). The query description is close to restating the name, which keeps this from a 5.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a concrete verb+resource (look up Indian financial products and terms in a specific catalogue) and immediately scopes it against the sibling set of calculators/comparators. The 'not a general financial encyclopedia' clause further sharpens what kind of lookup this is.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Gives explicit when-to-use examples ('which HDFC cards waive the annual fee?'), an explicit when-NOT-to-use case (abstract questions like 'how does APR work?'), and instructs the agent how to behave in the fallback case rather than misrepresenting results. This is exactly what routing guidance should look like.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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