# FinanceGenius.AI (remote · mcp.financegenius.ai)

India's financial MCP — cards, loans, FDs, insurance, MFs; EMI/SIP/tax calcs; NAV lookup; RAG.

- Trust score: 81/100 (high trust)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-22

## Components

- remote · `mcp.financegenius.ai`: 81/100 (this document), [markdown](https://verifymcp.io/servers/ai-financegenius-financegenius/mcp.md), [page](https://verifymcp.io/servers/ai-financegenius-financegenius/mcp)

## Channel facts

- Endpoint: `https://mcp.financegenius.ai/mcp/`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-09-22.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 72/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1657 tokens (~138/item across 12 items; 12 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 90/100
  - Stability observed for 27 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 67/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 12 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 13 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the FinanceGenius.AI MCP server?

FinanceGenius.AI is a hosted endpoint at https://mcp.financegenius.ai/mcp/, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http ai-financegenius-financegenius 'https://mcp.financegenius.ai/mcp/'
```

### Cursor

```json
{
  "mcpServers": {
    "ai-financegenius-financegenius": {
      "url": "https://mcp.financegenius.ai/mcp/"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "ai-financegenius-financegenius": {
      "type": "http",
      "url": "https://mcp.financegenius.ai/mcp/"
    }
  }
}
```

### Codex

```toml
[mcp_servers.ai-financegenius-financegenius]
url = "https://mcp.financegenius.ai/mcp/"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "ai-financegenius-financegenius": {
      "type": "remote",
      "url": "https://mcp.financegenius.ai/mcp/",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add ai-financegenius-financegenius --url 'https://mcp.financegenius.ai/mcp/' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  ai-financegenius-financegenius:
    url: "https://mcp.financegenius.ai/mcp/"
```

### Netclaw

```json
{
  "McpServers": {
    "ai-financegenius-financegenius": {
      "Transport": "http",
      "Url": "https://mcp.financegenius.ai/mcp/"
    }
  }
}
```

### Vellum

```bash
assistant mcp add ai-financegenius-financegenius -t streamable-http -u 'https://mcp.financegenius.ai/mcp/'
```

### Other

```json
{
  "mcpServers": {
    "ai-financegenius-financegenius": {
      "type": "http",
      "url": "https://mcp.financegenius.ai/mcp/"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-09-22 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 87 to 90. That category is still filling its 30-day observation window: 26 days of observed history at the previous scan, 27 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-20 (score 80, +1)

No change was recorded against any check on this day. Stability & Change Management went from 80 to 83. That category is still filling its 30-day observation window: 24 days of observed history at the previous scan, 25 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-18 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 73 to 77. That category is still filling its 30-day observation window: 22 days of observed history at the previous scan, 23 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-16 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 67 to 70. That category is still filling its 30-day observation window: 20 days of observed history at the previous scan, 21 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-14 (score 77, 0)

- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “explain_financial_concept” rewrote its description, which is the text the model reads
- [security] Tool “find_best_card_for_spend” rewrote its description, which is the text the model reads
- [security] Tool “search_indian_products” rewrote its description, which is the text the model reads
- [functional] Server version: 1.29.1 → 1.30.0
- [cosmetic] “find_best_card_for_spend” made “primary_category” optional

### 2026-09-13 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 57 to 60. That category is still filling its 30-day observation window: 17 days of observed history at the previous scan, 18 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-11 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-09 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (12)

### `search_indian_products` (~138 tokens)

Search Indian financial 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.

Input parameters:

- `min_rating`
- `product_type`
- `search_query`

### `get_product_details` (~64 tokens)

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.

Input parameters:

- `product_slug` (string, required)

### `compare_products` (~84 tokens)

Compare products side by side

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.

Input parameters:

- `product_slugs` (array, required)

### `calculate_emi` (~112 tokens)

Calculate loan 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.

Input parameters:

- `annual_rate` (number, required)
- `principal` (number, required)
- `tenure_months` (integer, required)

### `calculate_sip` (~88 tokens)

Calculate SIP returns

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.

Input parameters:

- `annual_return_pct` (number, required)
- `monthly_amount` (number, required)
- `years` (integer, required)

### `calculate_cagr` (~78 tokens)

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.

Input parameters:

- `final_value` (number, required)
- `initial_value` (number, required)
- `years` (integer, required)

### `calculate_fd_maturity` (~124 tokens)

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.

Input parameters:

- `annual_rate` (number, required)
- `compounding` (string)
- `deposit_amount` (number, required)
- `years` (number, required)

### `calculate_indian_income_tax` (~177 tokens)

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.

Input parameters:

- `annual_income` (number, required)
- `deductions_80c` (number)
- `deductions_80d` (number)
- `hra_exemption` (number)
- `regime` (string)

### `get_mutual_fund_nav` (~97 tokens)

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.

Input parameters:

- `amfi_scheme_code` (string, required)

### `explain_financial_concept` (~202 tokens)

Explain a 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').

Input parameters:

- `institution`
- `query` (string, required)

### `find_best_fd` (~183 tokens)

Find the best fixed deposit

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.

Input parameters:

- `amount` (number, required)
- `is_senior_citizen` (boolean)
- `tax_slab_pct` (number)
- `years` (number, required)

### `find_best_card_for_spend` (~187 tokens)

Find the best credit card

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.

Input parameters:

- `annual_income`
- `monthly_spend` (number, required)
- `prefer_no_annual_fee` (boolean)
- `primary_category` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/ai-financegenius-financegenius/mcp#diagnostics

## Score history

- 2026-09-22: 81
- 2026-09-21: 80
- 2026-09-20: 80
- 2026-09-19: 79
- 2026-09-18: 79
- 2026-09-17: 78
- 2026-09-16: 78
- 2026-09-15: 77
- 2026-09-14: 77
- 2026-09-13: 77
- 2026-09-12: 76
- 2026-09-11: 76
- 2026-09-10: 75
- 2026-09-09: 75
- 2026-09-08: 74
- 2026-09-07: 74
- 2026-09-06: 73
- 2026-09-05: 73
- 2026-09-04: 72
- 2026-09-03: 72
- 2026-09-02: 72
- 2026-09-01: 71
- 2026-08-31: 71
- 2026-08-30: 70
- 2026-08-29: 70
- 2026-08-28: 69
- 2026-08-27: 69
- 2026-08-26: 68

## Common questions

### What is the FinanceGenius.AI MCP server?

FinanceGenius.AI is an MCP server listed in the public MCP registry as ai.financegenius/financegenius. India's financial MCP, cards, loans, FDs, insurance, MFs; EMI/SIP/tax calcs; NAV lookup; RAG. This page covers its hosted endpoint (https://mcp.financegenius.ai/mcp/).

### Is the FinanceGenius.AI MCP server safe to use?

FinanceGenius.AI scores 81 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the FinanceGenius.AI MCP server expose?

FinanceGenius.AI exposes 12 tools: search_indian_products, get_product_details, compare_products, calculate_emi, calculate_sip, and 7 more. Their descriptions and schemas cost roughly 1,534 tokens of context every time the server is loaded.

### Does the FinanceGenius.AI MCP server require authentication?

No. We connected to FinanceGenius.AI without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the FinanceGenius.AI MCP server still maintained?

FinanceGenius.AI is still listed as active in the MCP registry. We last reached this channel on 22 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://mcp.financegenius.ai/mcp/
- Repository: https://github.com/financegenius-ai/Financegenius.ai
- Website: https://financegenius.ai/connect
- Changelog RSS feed: https://verifymcp.io/servers/ai-financegenius-financegenius/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/ai-financegenius-financegenius/mcp.json
- HTML version of this page: https://verifymcp.io/servers/ai-financegenius-financegenius/mcp