Calculate and compare Indian income tax under the OLD vs NEW regime for FY 2025-26 (AY 2026-27), using real Finance Act 2025 slabs, Section 87A rebate, surcharge and 4% cess. Returns a full slab-by-slab breakdown for both regimes and recommends the cheaper one. Deductions (80C, 80D, NPS, home-loan interest, HRA) only apply to the old regime.

Deduction Optimizer — audits a taxpayer's Chapter VI-A deductions (80C, 80D, NPS 80CCD(1B), home-loan interest 24(b)) against their statutory caps. Flags amounts OVER the cap that earn no tax benefit, and UNUSED headroom, quantifying the exact extra tax that could be saved by filling each allowance. Applies to the OLD regime.

Search Indian mutual fund schemes by name. Popular funds resolve via a curated verified-code map (handles renamed funds, e.g. "HDFC Top 100" → "HDFC Large Cap Fund"), backed by the live, relevance-ranked MFAPI.in dataset for the long tail. ALWAYS call this first to obtain a scheme code, then pass the returned schemeCode verbatim to get_fund_nav or calculate_fund_returns.

Get the latest Net Asset Value (NAV) for a mutual fund scheme from live MFAPI.in data. The schemeCode MUST be obtained from search_mutual_funds output for the exact scheme the user means — NEVER guess a code or reuse one from memory. A wrong code silently returns a completely different fund.

Compute REAL returns for a lump-sum mutual fund investment using live NAV history. Finds the NAV on/before the investment date, values the units at the latest NAV, and returns absolute return, CAGR and XIRR (annualized). The schemeCode MUST come from search_mutual_funds output for the exact fund — NEVER guess a code or reuse one from memory, or you will compute returns for the wrong fund.

Verify an Indian bank IFSC code and return the bank name, branch, full address and supported payment rails (NEFT/RTGS/IMPS/UPI) using the free, live Razorpay IFSC API. Useful before setting up a refund/payout account.

List upcoming Indian tax & compliance deadlines (ITR filing, advance tax, tax-saving investment cut-offs) for AY 2026-27 / FY 2026-27, sorted soonest-first with the number of days remaining. Use this to remind a taxpayer what is due next.

Get the full Indian tax compliance calendar (all statutory due dates), optionally filtered by category (ITR, Advance Tax, TDS, Investment, Audit, GST).

Capital Gains Estimator — before selling/redeeming a mutual fund, estimates the capital-gains tax you'd owe (FY 2025-26 rules). Applies equity rules (STCG 20% / LTCG 12.5% above the ₹1.25L exemption) or debt rules (slab rate) based on fund type and holding period. Provide a schemeCode to value the holding from LIVE NAV, or pass currentValue directly.

Repo/FD Rate Checker — returns the current RBI repo rate and representative bank fixed-deposit rates, so "safe" returns can be compared against mutual fund returns. Each value carries an as-of date and source (RBI has no free live API, so these are authoritative dated values, overridable via env).

EMI vs Investment Comparator — answers "should I prepay my loan or invest the surplus?" by projecting the loan interest saved (a guaranteed return) against a realistic investment return (equity ~12% or FD) over a horizon, and recommending the better option.

Data Freshness Indicator — reports when each live data source was last fetched and its latest data date, making it visibly clear the numbers are current and real (not hardcoded). Performs a live AMFI ping.

Search a market news & events dataset — filter by sector, sentiment, impact, index, company, date range, or headline text. Returns the matching events, newest first. (Curated dataset, not a live news feed.)

Summarize sentiment across the market news & events dataset (optionally filtered by sector/index/date). Returns counts by sentiment and impact, the top sectors in the news, and a net bullish/bearish read.

Deterministic advisory council for "should I invest my surplus or prepay my loan?" decisions. In a single call it evaluates three lenses — tax minimization, long-term growth (equity vs loan rate) and liquidity/safety — and reconciles them into one weighted recommendation with agreement level and confidence. Pure/deterministic (zero extra LLM calls, reproducible). Supports task augmentation: pass task: {} to stream each lens deliberating.

One-shot personal finance & tax plan. Given your income (and optionally a mutual fund holding and a bank IFSC), this orchestrates the tax calculator, live mutual-fund NAV/XIRR, IFSC verification and the compliance calendar into a single coherent plan with a summary and action items. Supports task augmentation — pass task: {} to run it asynchronously with live progress updates.