{"schema_version":"2026-01","name":"YIELDNEST.ONLINE Indian Debt & Yield Tool Registry","description":"Agentic tools for AI agents to query, filter, and calculate yields on Indian Fixed Deposits, SCSS, RBI Bonds, and Corporate Debt.","endpoint":"/api/mcp/tools","tools":[{"name":"search_debt_instruments","description":"Search and filter Indian fixed-income instruments (Bank FDs, SCSS, RBI Bonds, Corporate NCDs) by interest rate, senior citizen bonus, tenure, and DICGC insurance status.","parameters":{"type":"object","properties":{"category":{"type":"string","enum":["all","bank_fd","rbi_govt","corporate_fd","tax_saving"],"description":"Instrument category filter"},"is_senior_citizen":{"type":"boolean","description":"Whether to evaluate rates for senior citizens (aged 60+)"},"min_rate":{"type":"number","description":"Minimum interest rate percentage (e.g. 7.5)"},"dicgc_only":{"type":"boolean","description":"Filter only instruments covered by RBI DICGC ₹5 Lakh insurance"},"query":{"type":"string","description":"Keyword search for bank or issuer name (e.g., \"SBI\", \"Unity\", \"HDFC\")"}}}},{"name":"calculate_fd_yield","description":"Calculate maturity value, total interest, quarterly compounding, post-tax returns, and Section 80TTB tax savings for Indian Fixed Deposits.","parameters":{"type":"object","required":["principal","rate_percent","tenure_months"],"properties":{"principal":{"type":"number","description":"Investment principal in Indian Rupees (INR)"},"rate_percent":{"type":"number","description":"Annual interest rate percentage (e.g. 7.5)"},"tenure_months":{"type":"number","description":"Deposit tenure in months"},"is_senior_citizen":{"type":"boolean","description":"If true, applies Section 80TTB exemption up to ₹50,000 and 15H TDS rules"},"tax_bracket_percent":{"type":"number","enum":[0,5,10,15,20,30],"description":"Investor income tax slab bracket percentage (default: 30%)"}}}},{"name":"get_statutory_rates","description":"Fetch official benchmark statutory rates in India: RBI Repo Rate, SCSS, NSC, RBI Floating Rate, DICGC limit, and Section 80TTB deduction cap.","parameters":{"type":"object","properties":{}}}]}