FinanceGenius.AI

    Args:
        initial_value: Initial investment in rupees.
        final_value: Final value in rupees.
        years: Holding period in years.
    

    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.
    

    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.
    

    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.
    

    Args:
        monthly_amount: Monthly SIP contribution in rupees.
        annual_return_pct: Expected annual return (e.g. 12 for 12%).
        years: Investment horizon in years.
    

    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.
    

    Searches across product brochures, regulatory guides, calculators help,
    and live product database using BM25 + semantic + product DB search
    fused with Reciprocal Rank Fusion. Best for explainers like:
    'what is a critical illness rider?', 'how does APR work?',
    'difference between ELSS and PPF?'.

    Args:
        query: The financial question or concept to explain.
        institution: Optional — narrow search to one institution (e.g. 'hdfc-bank').
    

    Args:
        monthly_spend: Total monthly card spend in rupees.
        primary_category: One of 'grocery', 'fuel', 'dining', 'travel',
                          'online_shopping', 'utilities', 'general'.
        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.
    

    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.
    

    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.
    

    Args:
        product_slug: The URL-safe identifier (e.g. 'hdfc-millennia-credit-card').
                      Get slugs from search_indian_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.