# FinanceGenius.AI > India's financial MCP — cards, loans, FDs, insurance, MFs; EMI/SIP/tax calcs; NAV lookup; RAG. - name: ai.financegenius/financegenius - version: 1.2.0 - connection class: R0 (autonomous) - trust: 93/100 - quality: 85/100 (good) - owner: not claimed - descriptor: https://api.protogrid.dev/v1/servers/ai.financegenius%2Ffinancegenius - tools: https://api.protogrid.dev/v1/servers/ai.financegenius%2Ffinancegenius/tools **An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe. ## Connection (mcpServers) ```json { "mcpServers": { "financegenius": { "type": "http", "url": "https://mcp.financegenius.ai/mcp/" } } } ``` ## Trust - hygiene: 100 - liveness: 100 - freshness: 85 - provenance: 85 - drivers: +repository +dns-namespace +website +reachable +uptime-100% ~updated-56d-ago - Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. ## Quality 85/100 (good) ### protocol: 75 (weight 25) - warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28 - n/a `protocol.stateless`: only applies to 2026-07-28 servers - pass `protocol.transport`: streamable HTTP - n/a `protocol.list_ttl`: only applies to 2026-07-28 servers ### authorization: n/a (weight 15) - n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth - n/a `auth.secret_in_url`: no templated URL ### tool hygiene: 86 (weight 30) - pass `tools.descriptions`: every tool has a description - pass `tools.description_length`: descriptions are concise - pass `tools.schemas`: every tool has an object input schema - pass `tools.annotations`: 12 of 12 tools declare readOnlyHint or destructiveHint - fail `tools.directory_hints`: no tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: search_indian_products (idempotentHint); calculate_emi (idempotentHint); calculate_sip (idempotentHint); … - pass `tools.token_cost`: about 2,498 tokens to load every tool - pass `tools.api_dump`: tools are not a one-to-one API dump ### stability: 100 (weight 15) - pass `stability.changes`: no tool changes in 30 days - pass `stability.rug_pull`: no tool changed its meaning under the same name ### dependencies: n/a (weight 15) - n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package - tools: 12, about 2,498 tokens to load them all - tool set hash: 758d6dec06039a79fe4ac94093d01dc5 - badge: [![protogrid quality](https://protogrid.dev/badge/ai.financegenius/financegenius.svg)](https://protogrid.dev/servers/ai.financegenius/financegenius) - Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. ### Tool changes _No tool definition changes recorded._ ## Remotes - https://mcp.financegenius.ai/mcp/ (streamable-http, auth none, reachable true, uptime30d 1) ## Packages _none_ ## Tools (12) - `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. - `calculate_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. - `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. - `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. - `calculate_sip`: 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. - `compare_products`: 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. - `explain_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'). - `find_best_card_for_spend`: 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. - `find_best_fd`: 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. - `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. - `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. - `search_indian_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.