Evidence row 1288516

What was observed

{
  "count": 6,
  "tools": [
    {
      "description": "Takes the outstanding balance, months left, current and new rates and a fee and returns both EMIs, the net saving and the break-even months of a balance transfer. Example input: {\"outstanding\":4000000,\"remainingMonths\":180,\"currentRate\":9.25,\"newRate\":8.4,\"processingFee\":20000}",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "currentRate": {
            "description": "Current annual rate in percent",
            "maximum": 30,
            "minimum": 0.1,
            "type": "number"
          },
          "newRate": {
            "description": "New lender annual rate in percent",
            "maximum": 30,
            "minimum": 0.1,
            "type": "number"
          },
          "outstanding": {
            "description": "Outstanding loan balance in rupees",
            "exclusiveMinimum": 0,
            "type": "number"
          },
          "processingFee": {
            "description": "One-time transfer fee in rupees (default 0)",
            "minimum": 0,
            "type": "number"
          },
          "remainingMonths": {
            "description": "Months left on the current loan",
            "maximum": 480,
            "minimum": 1,
            "type": "integer"
          }
        },
        "required": [
          "outstanding",
          "remainingMonths",
          "currentRate",
          "newRate"
        ],
        "type": "object"
      },
      "name": "balanceTransfer"
    },
    {
      "description": "Takes a property price and returns the loan-to-value ratio, maximum loan, minimum down payment and approximate stamp duty plus registration. Example input: {\"price\":7500000}",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "price": {
            "description": "Property price in rupees",
            "exclusiveMinimum": 0,
            "type": "number"
          }
        },
        "required": [
          "price"
        ],
        "type": "object"
      },
      "name": "downPayment"
    },
    {
      "description": "Takes net monthly income, existing EMIs, annual rate and tenure and returns the maximum EMI and home loan amount a borrower qualifies for. Example input: {\"netMonthlyIncome\":150000,\"existingEmis\":10000,\"annualRate\":8.5,\"years\":20}",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "annualRate": {
            "description": "Annual interest rate in percent, for example 8.5",
            "maximum": 30,
            "minimum": 0.1,
            "type": "number"
          },
          "existingEmis": {
            "description": "Total EMIs already paid each month in rupees (default 0)",
            "minimum": 0,
            "type": "number"
          },
          "foir": {
            "description": "Share of income a bank lets all EMIs take, 0.1 to 1 (default 0.5)",
            "maximum": 1,
            "minimum": 0.1,
            "type": "number"
          },
          "months": {
            "description": "Loan tenure in months (6 to 480). Give months or years.",
            "maximum": 480,
            "minimum": 6,
            "type": "integer"
          },
          "netMonthlyIncome": {
            "description": "Net monthly take-home income in rupees",
            "exclusiveMinimum": 0,
            "type": "number"
          },
          "years": {
            "description": "Loan tenure in years (0.5 to 40). Give months or years.",
            "maximum": 40,
            "minimum": 0.5,
            "type": "number"
          }
        },
        "required": [
          "netMonthlyIncome",
          "annualRate"
        ],
        "type": "object"
      },
      "name": "eligibility"
    },
    {
      "description": "Takes a loan amount, annual rate and tenure, plus optional prepayments or a rate change, and returns the monthly EMI, total interest and year-by-year schedule for an Indian home loan. Example input: {\"principal\":5000000,\"annualRate\":8.5,\"years\":20}",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "annualRate": {
            "description": "Annual interest rate in percent, for example 8.5",
            "maximum": 30,
            "minimum": 0.1,
            "type": "number"
          },
          "extraMonthly": {
            "description": "Extra rupees prepaid every month",
            "minimum": 0,
            "type": "number"
          },
          "lumpSums": {
            "description": "One-time prepayments as a list of { month, amount }, or a string like \"12:100000,24:50000\"",
            "items": {
              "properties": {
                "amount": {
                  "exclusiveMinimum": 0,
                  "type": "number"
                },
                "month": {
                  "maximum": 9007199254740991,
                  "minimum": 1,
                  "type": "integer"
                }
              },
              "required": [
                "month",
                "amount"
              ],
              "type": "object"
            },
            "type": "array"
          },
          "mode": {
            "description": "What prepayment shortens: reduceTenure (default) or reduceEMI",
            "enum": [
              "reduceTenure",
              "reduceEMI"
            ],
            "type": "string"
          },
          "monthly": {
            "description": "Set true to include the month-by-month schedule in the result",
            "type": "boolean"
          },
          "months": {
            "description": "Loan tenure in months (6 to 480). Give months or years.",
            "maximum": 480,
            "minimum": 6,
            "type": "integer"
          },
          "principal": {
            "description": "Loan amount in rupees",
            "maximum": 1000000000,
            "minimum": 100000,
            "type": "number"
          },
          "rateReset": {
            "description": "A floating-rate change part-way through the loan",
            "properties": {
              "afterMonth": {
                "description": "Month after which the new rate applies",
                "maximum": 9007199254740991,
                "minimum": 1,
                "type": "integer"
              },
              "mode": {
                "description": "reduceTenure (default) or reduceEMI",
                "enum": [
                  "reduceTenure",
                  "reduceEMI"
                ],
                "type": "string"
              },
              "newRate": {
                "description": "New annual rate in percent",
                "maximum": 30,
                "minimum": 0.1,
                "type": "number"
              }
            },
            "required": [
              "afterMonth",
              "newRate"
            ],
            "type": "object"
          },
          "years": {
            "description": "Loan tenure in years (0.5 to 40). Give months or years.",
            "maximum": 40,
            "minimum": 0.5,
            "type": "number"
          }
        },
        "required": [
          "principal",
          "annualRate"
        ],
        "type": "object"
      },
      "name": "emi"
    },
    {
      "description": "Takes rent, price, down payment, loan terms and growth assumptions and returns the year-by-year net worth of buying against renting, with the break-even year. Example input: {\"rent\":30000,\"rentGrowth\":5,\"price\":8000000,\"downPayment\":1600000,\"annualRate\":8.5,\"months\":240,\"appreciation\":5,\"investReturn\":10,\"years\":20}",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "annualRate": {
            "description": "Annual interest rate in percent, for example 8.5",
            "maximum": 30,
            "minimum": 0.1,
            "type": "number"
          },
          "appreciation": {
            "description": "Yearly property price growth in percent",
            "maximum": 30,
            "minimum": -20,
            "type": "number"
          },
          "downPayment": {
            "description": "Down payment in rupees",
            "minimum": 0,
            "type": "number"
          },
          "investReturn": {
            "description": "Yearly return in percent if the down payment is invested instead",
            "maximum": 40,
            "minimum": 0,
            "type": "number"
          },
          "months": {
            "description": "Loan tenure in months",
            "maximum": 480,
            "minimum": 6,
            "type": "integer"
          },
          "price": {
            "description": "Property price in rupees",
            "exclusiveMinimum": 0,
            "type": "number"
          },
          "rent": {
            "description": "Current monthly rent in rupees",
            "minimum": 0,
            "type": "number"
          },
          "rentGrowth": {
            "description": "Yearly rent increase in percent",
            "maximum": 30,
            "minimum": 0,
            "type": "number"
          },
          "years": {
            "description": "Years to compare over",
            "maximum": 40,
            "minimum": 1,
            "type": "integer"
          }
        },
        "required": [
          "rent",
          "rentGrowth",
          "price",
          "downPayment",
          "annualRate",
          "months",
          "appreciation",
          "investReturn",
          "years"
        ],
        "type": "object"
      },
      "name": "rentVsBuy"
    },
    {
      "description": "Takes a loan amount, annual rate and tenure and returns how the EMI and total interest change when the rate moves up or down by small steps. Example input: {\"principal\":5000000,\"annualRate\":8.5,\"years\":20}",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "annualRate": {
            "description": "Annual interest rate in percent, for example 8.5",
            "maximum": 30,
            "minimum": 0.1,
            "type": "number"
          },
          "deltas": {
            "description": "Rate changes in percentage points to test, for example [-1, -0.5, 0.5, 1]",
            "items": {
              "type": "number"
            },
            "type": "array"
          },
          "months": {
            "description": "Loan tenure in months (6 to 480). Give months or years.",
            "maximum": 480,
            "minimum": 6,
            "type": "integer"
          },
          "principal": {
            "description": "Loan amount in rupees",
            "maximum": 1000000000,
            "minimum": 100000,
            "type": "number"
          },
          "years": {
            "description": "Loan tenure in years (0.5 to 40). Give months or years.",
            "maximum": 40,
            "minimum": 0.5,
            "type": "number"
          }
        },
        "required": [
          "principal",
          "annualRate"
        ],
        "type": "object"
      },
      "name": "sensitivity"
    }
  ]
}

What the leaf hashes

{"body":"ef9b014939d342a1bd3716bc67cc4235d91adf6bc8c527c2d0417c3ab313184c","id":1288516,"kind":"mcp.tools","method":"probe.mcp/1","observed_us":1793391810230841,"prev":null,"subject":"56e5dbac-cd6d-449a-95e3-1add69d5d615","subject_kind":"endpoint"}

Proof

Its day has not closed yet. A day closes ten minutes after midnight UTC; the proof appears here then.