{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T17:28:47.552Z","url":"https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator","markdownUrl":"https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator.md","server":{"slug":"sircharan-homes-loan-calculator","name":"io.github.SirCharan/homes-loan-calculator","registryName":"io.github.SirCharan/homes-loan-calculator","description":"Home loan EMI, affordability, balance transfer, down payment, rent vs buy calculators.","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"homesloancalculator","type":"remote","identifier":"https://homesloancalculator.in/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator","version":"1.0.0","transport":null,"scoredAt":"2026-11-05T06:27:47.577Z"},"score":{"total":66,"tier":"medium","status":"scored","weekDelta":null,"history":[{"date":"2026-11-05","total":66},{"date":"2026-11-04","total":66},{"date":"2026-11-03","total":65},{"date":"2026-11-02","total":65},{"date":"2026-11-01","total":64},{"date":"2026-10-31","total":64},{"date":"2026-10-30","total":63}]},"categories":[{"name":"Endpoint Security","score":63,"verdict":"fail","reasons":["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 6 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."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_undeclared","args":{"undeclared_tools":"6"}},{"code":"https.enforced","args":{}},{"code":"headers.hsts_present","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":65,"verdict":"fail","reasons":["AI-judged instruction clarity (good).","Context-footprint check failed: tool/resource definitions use about 1044 tokens (~174/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"good"}},{"code":"schema.footprint_heavy","args":{"avg":"174","items":"6","tools":"6","tokens":"1044","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":20,"verdict":"partial","reasons":["Stability observed for 6 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"6"}}]},{"name":"Tool Coverage","score":100,"verdict":"pass","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","100% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"100"}}]},{"name":"Tool Safety","score":75,"verdict":"fail","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; \"balanceTransfer\" implies \"transfer\" and declares no destructiveHint at all, which the MCP spec reads as destructive by default.","An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_undeclared","args":{"pct":"0","tool":"balanceTransfer","verb":"transfer","declared":"none","annotated":"0","destructive":"1"}},{"code":"toolsafety.manipulation_clean","args":{"units":"6","judged":"6"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a current MCP spec version (2026-07-28)."],"codes":[{"code":"protocol.current","args":{"version":"2026-07-28"}}]}],"inconclusive":["Authorisation not fully verified: no authorisation is required to call this server, and 6 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe."],"malware":[],"components":[{"slug":"homesloancalculator","type":"remote","identifier":"https://homesloancalculator.in/mcp","withdrawn":false,"score":66,"current":true,"url":"https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator","markdownUrl":"https://verifymcp.io/servers/sircharan-homes-loan-calculator/homesloancalculator.md"}],"facts":[{"label":"Endpoint","value":"https://homesloancalculator.in/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.0.0"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"emi","title":null,"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. 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Example input: {\"principal\":5000000,\"annualRate\":8.5,\"years\":20}","inputs":[{"name":"annualRate","type":"number","required":true,"description":"Annual interest rate in percent, for example 8.5"},{"name":"deltas","type":"array","required":false,"description":"Rate changes in percentage points to test, for example [-1, -0.5, 0.5, 1]"},{"name":"months","type":"integer","required":false,"description":"Loan tenure in months (6 to 480). Give months or years."},{"name":"principal","type":"number","required":true,"description":"Loan amount in rupees"},{"name":"years","type":"number","required":false,"description":"Loan tenure in years (0.5 to 40). Give months or years."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":166},{"name":"eligibility","title":null,"description":"Takes net monthly income, existing EMIs, annual rate and tenure and returns the maximum EMI and home loan amount a borrower qualifies for. 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Give months or years."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":199},{"name":"rentVsBuy","title":null,"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. 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