Look up an Indian IFSC code from bundled dataset with live fallback support.

Use this when you need bank branch details from an IFSC code in invoices, onboarding forms, or payment validation workflows.

Args: ifsc_code: IFSC string to validate and lookup. Case-insensitive; whitespace is trimmed.

Returns: Standard envelope containing found flag, branch details, payment rails, and source.

Notes: If not found locally, attempts live lookup at ifsc.razorpay.com with 3s timeout.

Validate and decode an Indian GSTIN with checksum verification.

Use when checking supplier/customer GSTINs before invoicing, reconciliation, or compliance workflows.

Args: gstin: 15-character GSTIN (e.g., 27AAPFU0939F1ZV). Spaces/hyphens stripped.

Returns: Standard envelope containing validity, state decode, embedded PAN, entity number, category, and checksum information.

Notes: Validates structure and checksum only; does not verify active GSTN registration status.

Validate multiple GSTINs in parallel using ThreadPoolExecutor.

Use when batch-validating vendor GSTINs for onboarding or reconciliation. Reduces N serial calls to ~N/10 parallel batches.

Args: gstins: List of 15-character GSTIN strings.

Returns: Standard envelope with per-GSTIN results, valid/invalid counts.

Notes: Max 500 GSTINs per call. Configurable via MCP_INDIA_STACK_BULK_WORKERS. Individual validation errors don't fail the entire batch.

Validate Indian PAN format and decode entity type from the 4th character.

Use when normalizing tax identity records in KYC, invoicing, or vendor onboarding.

Args: pan: PAN string, example: AAAPL1234C. Spaces and hyphens stripped automatically.

Returns: Standard envelope containing format validity, entity type, and decoded segments.

Notes: PAN check character is not publicly verifiable algorithmically.

Validate UPI VPA structure and decode known provider handles.

Use when checking whether a UPI address is structurally valid before payment routing.

Args: vpa: UPI virtual payment address in username@handle format.

Returns: Standard envelope containing normalized VPA, known_provider flag, and provider metadata.

Notes: Unknown handles are not auto-invalidated because NPCI handle lists evolve over time.

Look up India pincode details and return all post offices for that code.

Use for address normalization, district/state extraction, and GST state crosswalk use-cases.

Args: pincode: 6-digit pincode; spaces/hyphens are accepted and normalized.

Returns: Standard envelope with location hierarchy and post_offices array.

Notes: One pincode may map to multiple post offices and all are returned.

Lookup HSN/SAC by exact code or search by keyword in code descriptions.

Use for GST classification workflows where users provide a code or only a product keyword.

Args: code: Optional exact HSN/SAC code (2, 4, 6, or 8 digits). keyword: Optional plain-text search token over description field.

Returns: Standard envelope with exact match data or top 5 keyword matches.

Notes: Returns static master data; GST applicability can vary by conditions.

Decode Indian GST state code metadata from a code or GSTIN prefix.

Use when you need canonical state name, abbreviation, capital, and GST zone mapping.

Args: value: Two-digit code like 27 or GSTIN like 27AAPFU0939F1ZV.

Returns: Standard envelope containing decoded state metadata.

Validate an Indian Aadhaar number with Verhoeff checksum verification.

Use when checking Aadhaar format and checksum in KYC, identity verification, or government benefit workflows.

Args: aadhaar: 12-digit Aadhaar number. Spaces and hyphens are stripped.

Returns: Standard envelope containing validity, checksum result, formatted display, and first-digit check.

Notes: Validates format and Verhoeff checksum only. Not connected to UIDAI.

Validate an Indian Voter ID (EPIC) number format.

Use when verifying voter ID format in KYC, identity, or electoral workflows.

Args: voter_id: EPIC number (3 letters + 7 digits). Spaces/hyphens stripped.

Returns: Standard envelope containing validity, prefix, serial, and format type.

Notes: Format validation only. Detects possible legacy EPIC formats.

Validate an Indian driving license number format and decode segments.

Use when verifying DL format, extracting state/RTO/year in KYC workflows.

Args: dl_number: Driving license number. Hyphens/spaces stripped automatically.

Returns: Standard envelope containing validity, state code, state name, RTO code, year of issue, and serial number.

Notes: Format validation only. Handles non-standard pre-Sarathi formats gracefully.

Validate an Indian passport number format.

Use when verifying passport format in KYC, travel, or identity workflows.

Args: passport_number: 1 letter + 7 digits. Spaces and hyphens stripped automatically.

Returns: Standard envelope containing validity, series letter, and serial number.

Notes: Format validation only. No public checksum algorithm exists.

Validate and decode an Indian CIN (Company Identification Number).

Use when verifying company registration data, extracting listing status, NIC code, state, year, and company type from a CIN.

Args: cin: 21-character CIN string. Spaces and hyphens stripped automatically.

Returns: Standard envelope containing decoded fields: listing status, NIC code, state, year of incorporation, company type, and serial number.

Notes: Format validation with field decoding. No public checksum.

Validate an Indian DIN (Director Identification Number) format.

Use when verifying director identity numbers in MCA compliance workflows.

Args: din: 8-digit numeric DIN string. Shorter inputs zero-padded. Spaces stripped.

Returns: Standard envelope containing validity and normalized DIN.

Notes: Format validation only. Cannot verify director status with MCA.

Validate FSSAI (Food Safety) license number format and decode details.

Use when verifying food business operator licenses in compliance checks.

Args: license_number: 14-digit FSSAI license. Spaces/hyphens stripped.

Returns: Standard envelope with validation, state, license type, year decoded.

Notes: The 14-digit format encodes: state(2) + year(2) + type(1) + sequence(9). Type: 1=Central, 2=State, 3=State (turnover-based).

Calculate Indian income tax for FY2025-26 under old, new, or both regimes.

Use when computing tax liability, comparing regimes, or planning deductions. Includes slab computation, Section 87A rebate, surcharge with marginal relief, and health & education cess.

Args: gross_income: Annual gross income in rupees. regime: 'new', 'old', or 'both' for side-by-side comparison. taxpayer_type: Category for slab selection. deduction_80c: Old regime only — Section 80C amount. deduction_80d_self: Old regime only — medical insurance self. deduction_80d_parents: Old regime only — medical insurance parents. deduction_80d_senior_parents: Old regime only — senior parent flag. deduction_80ccd_nps: Old regime only — NPS additional. deduction_24b: Old regime only — home loan interest. other_deductions: Old regime only — other amounts.

Returns: Standard envelope with per-regime breakdown, effective rate, monthly tax, take-home, and regime recommendation when both requested.

Notes: FY2025-26 rates. Estimate only — consult a CA for filing.

Calculate TDS for a given section and payment amount (FY2025-26).

Use when computing withholding tax on contractor payments, professional fees, interest, rent, commissions, or purchase of goods.

Args: section: TDS section key from supported sections. payment_amount: Gross payment in rupees. pan_available: Whether payee PAN is available (affects rate). is_senior_citizen: For 194A bank interest threshold. aggregate_payments_ytd: Prior payments to same payee in current FY. payee_type: 'individual_huf' or 'other' - affects 194C rate.

Returns: Standard envelope with TDS applicability, rate, amount, net payment.

Notes: FY2025-26 rates. Actual rates may vary by DTAA or Form 15G/15H.

Calculate GST breakdown with CGST/SGST/IGST split and optional cess.

Use when computing tax for invoices, quotations, or GST compliance.

Args: amount: Base amount or GST-inclusive amount in rupees. gst_rate: Valid GST rate percentage. transaction_type: 'intra_state' or 'inter_state'. amount_includes_gst: Set True to back-calculate base. cess_category: For 28% items, specify applicable cess.

Returns: Standard envelope with base amount, CGST/SGST/IGST breakdown, cess amount, total GST, and total payable amount.

Notes: Rates are for general reference. Actual classification may vary.

Calculate surcharge and marginal relief for a given income and base tax.

Use when computing surcharge as a standalone calculation, separate from the full income tax tool. The income tax tool uses this logic internally.

Args: total_income: Total income in rupees. base_tax: Base tax amount before surcharge. regime: 'new' (capped at 25%) or 'old' (up to 37%).

Returns: Standard envelope with surcharge rate, before/after marginal relief, and cess base.

Notes: FY2025-26 rates. New regime surcharge capped at 25%.

Calculate House Rent Allowance (HRA) exemption under Section 10(13A).

Use when computing tax-exempt HRA component for salary structuring or income tax filing. Compares three conditions and takes minimum.

Args: basic_salary: Monthly basic salary. hra_received: Annual HRA received from employer. rent_paid: Annual rent paid. city_type: 'metro' (50% of salary) or 'non_metro' (40% of salary). is_government_employee: Use simplified formula for government employees.

Returns: Standard envelope with exemption amount, taxable HRA, and breakdown.

Notes: The actual exemption is the minimum of: 1. HRA received 2. Rent paid minus 10% of salary 3. 50% of salary (metro) or 40% (non_metro)

Calculate capital gains tax for various asset types (FY2025-26).

Use when computing tax liability on sale of equity, mutual funds, real estate, gold, or other capital assets.

Args: sale_price: Sale proceeds after expenses. purchase_price: Original purchase price. asset_type: Type of asset sold. holding_period_days: Days held before sale. inflation_index_purchase: Cost Inflation Index for purchase year. inflation_index_sale: Cost Inflation Index for sale year. expenses_on_sale: Expenses incurred during sale. improvements: Cost of improvements (for real estate).

Returns: Standard envelope with STCG/LTCG breakdown, tax rates, and liability.

Notes: Budget 2024 rates: STCG 20% (equity/MF), LTCG 12.5% (equity/MF threshold 100K). Real estate without indexation taxed at 20%.

Calculate quarterly advance tax installment schedule per Sections 234B and 234C.

Use when planning quarterly tax payments to avoid interest penalties. Provides due dates and amounts for each installment.

Args: estimated_income: Estimated annual income for FY2025-26. regime: Tax regime for calculation. taxpayer_type: Category for slab selection. existing_tds: TDS already likely to be deducted.

Returns: Standard envelope with quarterly breakdown and interest rules.

Notes: Due dates: June 15 (15%), Sept 15 (45%), Dec 15 (75%), Mar 15 (100%). Interest 1% per month for delay under Section 234C.

Look up BBPS (Bharat Bill Payment System) biller details.

Use when setting up bill payments for electricity, gas, DTH, water, broadband, FASTag, insurance, or mobile recharges.

Args: category: Category of biller to filter by. state: State to filter by (or 'all' for pan-India). biller_id: Direct biller ID for specific lookup.

Returns: Standard envelope with matching billers and parameter schemas.

Notes: Data is bundled offline. For real-time directory, check NPCI BBPS.

Calculate EPF and ESIC contributions for employer and employee.

Use when computing payroll costs, employee deductions, or comparing CTC structures across different salary levels.

Args: basic_wages: Basic salary + DA per month in INR. gross_wages: Total gross monthly salary in INR. include_employer_share: If True, return employer costs.

Returns: Standard envelope with EPF breakdown, ESIC applicability, and totals.

Notes: EPF ceiling is ₹15,000/month for statutory computation. ESIC applicable when gross wages ≤ ₹21,000/month.

Calculate EMI for a loan with year-by-year amortization schedule.

Use when computing loan EMIs, comparing loan options, or planning prepayment strategies.

Args: principal: Loan amount in INR. annual_interest_rate: Annual rate as percentage. tenure_months: Loan tenure in months (max 360). loan_type: Label for the loan type.

Returns: Standard envelope with EMI, total payment, interest, and amortization.

Notes: Uses standard reducing balance formula. Actual EMI may vary by lender.

Calculate gratuity under the Payment of Gratuity Act, 1972.

Use when computing terminal benefits, comparing CTC packages, or planning retirement benefits.

Args: last_drawn_salary: Basic + DA per month. years_of_service: Total service duration. is_covered_under_act: True for establishments with 10+ employees.

Returns: Standard envelope with gratuity amount, tax-exempt limit, and breakdown.

Notes: Minimum 5 years service required (except death/disablement). Tax-exempt ceiling is ₹20,00,000.

Calculate PPF maturity amount with year-by-year breakdown.

Use when planning long-term savings, comparing investment options, or calculating retirement corpus.

Args: annual_investment: Amount invested per year (max ₹1,50,000). tenure_years: PPF tenure (15, 20, 25, or 30 years). annual_interest_rate: PPF rate (default 7.1% for FY2025-26).

Returns: Standard envelope with maturity amount, total invested, interest earned.

Notes: EEE tax status: exempt at investment, accumulation, and maturity. Rate is government-administered and revised quarterly.

Validate multiple Aadhaar numbers in parallel using ThreadPoolExecutor.

Use when batch-validating Aadhaar numbers for KYC, onboarding, or compliance workflows.

Args: numbers: List of Aadhaar numbers (with or without spaces/hyphens).

Returns: Standard envelope with per-Aadhaar results and valid/invalid counts.

Notes: Max 500 Aadhaars per call. Uses same Verhoeff validation as single tool.

Get India's tax & regulatory compliance calendar for FY2025-26.

Use when planning tax compliance schedules, setting reminders for deadlines, or building financial compliance dashboards.

Args: category: Filter by category (Income Tax, TDS, GST, PF/ESIC, ROC, etc.) from_date: Start date filter (YYYY-MM-DD) to_date: End date filter (YYYY-MM-DD)

Returns: Standard envelope with deadlines grouped by month for FY2025-26

Notes: Covers ITR filing, TDS deposits, GST returns, PF/ESIC, ROC filings, advance tax, and professional tax deadlines.

Calculate salary restructuring options for tax optimization.

Use when advising employees on tax-efficient salary structures, comparing restructuring options, or planning CTC optimization.

Args: current_gross: Current gross annual salary in INR current_basic_ratio: Current basic salary as ratio of gross structure_type: Structure option (standard, optimized, startup) include_meal_card: Include Sodexo/Food card allowance include_wallet_allowance: Include flexible wallet allowance has_hra: Employee receives HRA rent_in_metro: Rent paid in metro city (higher HRA) family_medical: Include family medical insurance parents_medical: Include parents medical insurance

Returns: Standard envelope with tax-optimized structure, deductions, and estimated tax

Validate multiple PANs in parallel. # PermissionTier: READ_ONLY

Validate multiple IFSC codes in parallel. # PermissionTier: READ_ONLY

Decode PAN entity type from 4th character. # PermissionTier: READ_ONLY

Look up bank details from RBI master list. # PermissionTier: READ_ONLY

Validate EPF establishment code. # PermissionTier: READ_ONLY

Validate ESIC employer code. # PermissionTier: READ_ONLY

Decode DigiLocker document URI and map to validator. # PermissionTier: READ_ONLY

Build AA (Account Aggregator) consent request JSON per ReBIT spec.

Use when setting up data sharing consent for open banking workflows.

Args: customer_id: AA customer address (user@provider) fi_types: Financial information types to request date_range_from: Data fetch range start date_range_to: Data fetch range end consent_expiry_days: How many days consent remains valid purpose_code: ReBIT purpose code (default "101") fetch_type: "ONETIME" or "PERIODIC" frequency_unit: "HOUR", "DAY", "MONTH", "YEAR" - for PERIODIC frequency_value: Numeric frequency - for PERIODIC

Returns: Consent request payload and validation notes.

Validate AA consent artifact structure and flags.

Use when verifying consent artifacts received from AA before processing.

Args: artifact: Consent artifact JSON from AA response

Returns: Validation result with consent details.

Decode AA Financial Information type and get MCP tool pairings.

Use when mapping FI types to validation/calculation tools.

Args: fi_type: FI type code (e.g., "DEPOSIT", "MUTUAL_FUNDS")

Returns: FI type description, typical fields, and MCP tool pairings.

Calculate Fixed Deposit maturity amount.

Use when projecting FD returns or comparing deposit options.

Args: principal: Deposit amount in INR annual_interest_rate: Rate as percentage tenure_days: Deposit tenure in days compounding: Compounding frequency is_senior_citizen: Senior citizen flag (0.25% extra rate) tds_applicable: Apply TDS if interest > ₹40,000/yr

Returns: Maturity amount with interest breakdown and TDS if applicable.

Calculate Recurring Deposit maturity amount.

Use when projecting RD returns or planning recurring deposits.

Args: monthly_installment: Monthly deposit amount annual_interest_rate: Annual rate as percentage tenure_months: Deposit tenure in months

Returns: Maturity amount with total interest earned.

Calculate SIP maturity with inflation-adjusted returns.

Use when projecting mutual fund SIP returns or planning systematic investments.

Args: monthly_investment: Monthly SIP amount expected_annual_return: Expected CAGR % tenure_years: Investment tenure inflation_rate: Expected inflation %

Returns: Corpus with wealth gained and inflation-adjusted value.

Calculate SIP with annual step-up increment.

Use when comparing step-up SIP vs flat SIP or planning salary-linked investments.

Args: initial_monthly_investment: Starting SIP amount annual_step_up_percent: % increase each year expected_annual_return: Expected CAGR % tenure_years: Investment tenure

Returns: Corpus comparison between step-up and flat SIP.

Calculate NPS corpus and monthly pension at retirement.

Use when planning retirement with NPS or projecting pension.

Args: monthly_contribution: Monthly NPS contribution current_age: Current age retirement_age: Retirement age (default 60) expected_annual_return: Expected annual return % annuity_rate: Annuity rate % annuity_percent: % of corpus to buy annuity (min 40%)

Returns: Projected corpus, lump sum, and monthly pension estimate.

Calculate SSY or SCSS maturity amount.

Use when planning long-term savings for girl child (SSY) or retirement (SCSS).

Args: scheme: "ssy" or "scss" annual_investment: Annual deposit amount annual_interest_rate: Interest rate (default 8.2%)

Returns: Maturity amount with interest breakdown and tax status.

Compare buying vs renting financial outcome.

Use when deciding between buying a home or renting.

Args: home_price: Property price in INR down_payment_percent: Down payment as % loan_interest_rate: Home loan interest rate % loan_tenure_years: Loan tenure monthly_rent: Current monthly rent annual_rent_increase: Expected rent increase %/year expected_property_appreciation: Property appreciation %/year investment_return: Return on invested down payment % analysis_years: Years to compare

Returns: Buy/rent comparison with yearly breakdown and break-even analysis.

Calculate GST late filing penalty.

Use when estimating late filing fees or planning compliance.

Args: return_type: "GSTR1", "GSTR3B", or "GSTR9" days_delayed: Number of days delayed annual_turnover: Annual turnover for cap calculation has_nil_liability: True if nil return

Returns: Late fee breakdown with CGST/SGST split.

Calculate interest under Sections 234A, 234B, 234C.

Use when computing penalty interest for late tax filing or short advance tax payments.

Args: total_tax_liability: Total tax liability tds_deducted: TDS already deducted advance_tax_paid: Dict with q1,q2,q3,q4 quarterly payments filing_date: YYYY-MM-DD when return filed (None if not filed) due_date: Due date for filing

Returns: Interest breakdown for Sections 234A, 234B, 234C.

Calculate tax under presumptive scheme (Sections 44AD, 44ADA).

Use when computing tax for small businesses or professionals under presumptive taxation.

Args: scheme: "44AD" or "44ADA" gross_receipts: Total gross receipts digital_receipt_percent: % of receipts via digital mode regime: "new" or "old" age: Assessee age deductions_80c: Section 80C deductions (old regime)

Returns: Presumptive income and total tax payable.

Calculate state-wise professional tax.

Use when computing total tax liability including professional tax deductions.

Args: gross_salary_monthly: Monthly gross salary state_code: 2-char state code (e.g., "MH", "KA", "TN")

Returns: Monthly and annual professional tax amount.

Calculate tax-exempt portion of leave encashment under Section 10(10AA).

Use when computing leave encashment tax exemption or planning retirement benefits.

Args: leave_encashment_amount: Actual amount received average_monthly_salary: Average of last 10 months basic + DA earned_leave_balance_days: Days of earned leave years_of_service: Total years of service is_government_employee: Government employee flag

Returns: Exemption amount and taxable portion breakdown.

Validate TAN (Tax Deduction Account Number) format.

Use when verifying TAN format for TDS compliance.

Args: tan: 10-character TAN

Returns: Validation result with decoded segments.

Validate Indian mobile number and detect operator/circle.

Use when validating mobile numbers for KYC or contact verification.

Args: mobile: Mobile number with or without +91/0

Returns: Validation result with operator and telecom circle.

Validate PRAN (Permanent Retirement Account Number) for NPS.

Use when verifying NPS account numbers.

Args: pran: 12-digit PRAN

Returns: Validation result with subscriber category.

Validate LLPIN (Limited Liability Partnership Identification Number).

Use when verifying LLP registration numbers.

Args: llpin: LLPIN in format AAA-XXXX

Returns: Validation result with decoded segments.

Decode ISIN (International Securities Identification Number) with Luhn check.

Use when validating ISIN for Indian securities.

Args: isin: 12-character ISIN

Returns: Decoded fields with country, NSIN, security type, and Luhn validation.

Calculate NEFT/RTGS/IMPS/UPI transaction charges.

Use when estimating bank transfer costs or comparing payment modes.

Args: transfer_mode: "NEFT", "RTGS", "IMPS", or "UPI" amount: Transfer amount in INR account_type: "savings" or "current" is_online: True if done via online banking

Returns: Charge breakdown with base charge, GST, and total.

Fetch current (delayed) price and summary for a given Indian stock ticker.

Fetch historical end-of-day data for a given Indian stock ticker.