# io.github.SirCharan/homeloanscalculator (remote · homeloanscalculator.in)

Free home loan EMI, eligibility, stamp duty and tax benefit calculators for India.

- Trust score: 67/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `homeloanscalculator.in`: 67/100 (this document), [markdown](https://verifymcp.io/servers/sircharan-homeloanscalculator/homeloanscalculator.md), [page](https://verifymcp.io/servers/sircharan-homeloanscalculator/homeloanscalculator)

## Channel facts

- Endpoint: `https://homeloanscalculator.in/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## 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 2026-11-05.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 5 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - 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**: 63/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 940 tokens (~188/item across 5 items; 5 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 20/100
  - Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% 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 5 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the io.github.SirCharan/homeloanscalculator MCP server?

io.github.SirCharan/homeloanscalculator is a hosted endpoint at https://homeloanscalculator.in/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 sircharan-homeloanscalculator 'https://homeloanscalculator.in/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "sircharan-homeloanscalculator": {
      "url": "https://homeloanscalculator.in/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "sircharan-homeloanscalculator": {
      "type": "http",
      "url": "https://homeloanscalculator.in/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.sircharan-homeloanscalculator]
url = "https://homeloanscalculator.in/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add sircharan-homeloanscalculator --url 'https://homeloanscalculator.in/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  sircharan-homeloanscalculator:
    url: "https://homeloanscalculator.in/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "sircharan-homeloanscalculator": {
      "Transport": "http",
      "Url": "https://homeloanscalculator.in/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add sircharan-homeloanscalculator -t streamable-http -u 'https://homeloanscalculator.in/mcp'
```

### Other

```json
{
  "mcpServers": {
    "sircharan-homeloanscalculator": {
      "type": "http",
      "url": "https://homeloanscalculator.in/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.

### 2026-11-04 (score 67, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 66, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 65, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-30 (score 65)

First indexed and scored.

## MCP tools (5)

### `emi` (~251 tokens)

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}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `extraMonthly` (number): Extra rupees prepaid every month
- `lumpSums` (array): One-time prepayments as a list of { month, amount }, or a string like "12:100000,24:50000"
- `mode` (string): What prepayment shortens: reduceTenure (default) or reduceEMI
- `monthly` (boolean): Set true to include the month-by-month schedule in the result
- `months` (integer): Loan tenure in months (6 to 480). Give months or years.
- `principal` (number, required): Loan amount in rupees
- `rateReset` (object): A floating-rate change part-way through the loan
- `years` (number): Loan tenure in years (0.5 to 40). Give months or years.

### `sensitivity` (~166 tokens)

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}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `deltas` (array): Rate changes in percentage points to test, for example [-1, -0.5, 0.5, 1]
- `months` (integer): Loan tenure in months (6 to 480). Give months or years.
- `principal` (number, required): Loan amount in rupees
- `years` (number): Loan tenure in years (0.5 to 40). Give months or years.

### `eligibility` (~199 tokens)

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}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `existingEmis` (number): Total EMIs already paid each month in rupees (default 0)
- `foir` (number): Share of income a bank lets all EMIs take, 0.1 to 1 (default 0.5)
- `months` (integer): Loan tenure in months (6 to 480). Give months or years.
- `netMonthlyIncome` (number, required): Net monthly take-home income in rupees
- `years` (number): Loan tenure in years (0.5 to 40). Give months or years.

### `stampDuty` (~137 tokens)

Takes a property value, buyer gender and a state rate row and returns the stamp duty, registration fee, cess and total for a property purchase. Example input: {"propertyValue":8000000,"gender":"female","state":"maharashtra"}

Input parameters:

- `gender` (string): Buyer gender; women may get a lower rate in some states
- `propertyValue` (number, required): Property value in rupees
- `state` (string, required): State slug: maharashtra, karnataka, delhi, tamil-nadu, telangana, uttar-pradesh, gujarat, west-bengal, haryana, rajasthan

### `taxBenefit` (~187 tokens)

Takes a loan amount, annual rate, tenure and tax slab and returns the Section 80C and 24(b) deductions and the tax saved in a given repayment year. Example input: {"principal":5000000,"annualRate":8.5,"years":20,"slabRate":0.3}

Input parameters:

- `annualRate` (number, required): Annual interest rate in percent, for example 8.5
- `months` (integer): Loan tenure in months (6 to 480). Give months or years.
- `principal` (number, required): Loan amount in rupees
- `slabRate` (number, required): Income tax slab rate as a fraction, for example 0.3
- `year` (integer): Repayment year to compute for (default 1)
- `years` (number): Loan tenure in years (0.5 to 40). Give months or years.

## Diagnostics

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

## Score history

- 2026-11-05: 67
- 2026-11-04: 67
- 2026-11-03: 66
- 2026-11-02: 66
- 2026-11-01: 66
- 2026-10-31: 65
- 2026-10-30: 65

## Common questions

### What is the io.github.SirCharan/homeloanscalculator MCP server?

io.github.SirCharan/homeloanscalculator is an MCP server listed in the public MCP registry as io.github.SirCharan/homeloanscalculator. Free home loan EMI, eligibility, stamp duty and tax benefit calculators for India. This page covers its hosted endpoint (https://homeloanscalculator.in/mcp).

### Is the io.github.SirCharan/homeloanscalculator MCP server safe to use?

io.github.SirCharan/homeloanscalculator scores 67 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 io.github.SirCharan/homeloanscalculator MCP server expose?

io.github.SirCharan/homeloanscalculator exposes 5 tools: emi, sensitivity, eligibility, stampDuty, taxBenefit. Their descriptions and schemas cost roughly 940 tokens of context every time the server is loaded.

### Does the io.github.SirCharan/homeloanscalculator MCP server require authentication?

No. We connected to io.github.SirCharan/homeloanscalculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the io.github.SirCharan/homeloanscalculator MCP server still maintained?

io.github.SirCharan/homeloanscalculator is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the io.github.SirCharan/homeloanscalculator MCP server?

VerifyMCP ran 12 checks on io.github.SirCharan/homeloanscalculator, covering TLS certificate, HTTPS, HSTS header, DNSSEC and 8 more. One item could not be completed, a gap on our side rather than a finding about io.github.SirCharan/homeloanscalculator: Authorization. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://homeloanscalculator.in/mcp
- Website: https://homeloanscalculator.in/
- Changelog RSS feed: https://verifymcp.io/servers/sircharan-homeloanscalculator/homeloanscalculator.xml
- Changelog JSON feed: https://verifymcp.io/servers/sircharan-homeloanscalculator/homeloanscalculator/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/sircharan-homeloanscalculator/homeloanscalculator.json
- HTML version of this page: https://verifymcp.io/servers/sircharan-homeloanscalculator/homeloanscalculator