AVnester — Indian Real Estate Intelligence

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Indian real estate: property search, locality insights, affordability & pan-India stamp-duty tools.

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "AVnester — Indian Real Estate Intelligence": {
      "url": "https://mcp.avnester.com/public-mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (11)

• search_properties read-only

  Search residential property listings anywhere in Tamil Nadu, India — any city or town. Use when the user names a place, locality, price band, BHK, or transaction type. Returns sanitized listing cards with handoff URLs and a per-listing verification summary (verified + caveats); never returns seller contact details. Places outside Tamil Nadu return supported=false + scopeMessage — surface it.

  Parameters:

  • city — string — City or town in Tamil Nadu (e.g., "Coimbatore", "Madurai"). Omit to search every Tamil Nadu city.
  • limit — integer — Maximum number of listings to return (cap: 20). v1 abuse defense.
  • bedrooms — integer — Number of bedrooms (BHK).
  • locality — string — Locality/neighborhood within the city (e.g., "Saravanampatti").
  • maxPrice — integer — Maximum price in INR.
  • minPrice — integer — Minimum price in INR.
  • furnishing — string — Furnishing status (rental queries).
  • propertyType — string — Property type.
  • rentalStructure — string — Rental money structure: monthly rent, or a lump-sum lease (one refundable amount for a fixed tenure, no monthly rent). Only meaningful with transactionType=rent. Omit to include both.
  • transactionType — string — Whether to search for sale or rent. Omit to include both.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_locality_insights read-only

  Get aggregated insights for one locality: ₹/sqft, supply count, demand pulse, livability/investment grade, highlights, watchouts, monthly priceTrends, and strengthTags. Use when the user asks "what is X locality like". Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. Always surface the disclaimer field when returning livability or investment grade.

  Parameters:

  • locality (required) — string — Locality name within an Indian city.
  • city (required) — string — Indian city (required).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• compare_localities read-only

  Compare 2–3 localities in one city side-by-side: price trends, livability, investment grade, strengths, and watchouts. Use when the user asks "X vs Y" or "which is better for buying/renting" about neighborhoods. Covers cities AVnester publishes locality guides for; others return supported=false — surface the scopeMessage. For specific LISTINGS by ID, use compare_properties instead.

  Parameters:

  • city (required) — string — Indian city covering all compared localities.
  • localities (required) — array — 2–3 localities to compare (array, not comma-separated string).
  • propertyType — string — Property type for comparison.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• calculate_home_affordability read-only

  Estimate the monthly home-loan EMI / monthly payment in India — a home-loan calculator. Deterministic math; not advice or a loan-approval claim. Two modes: pass propertyValue (80% LTV assumed) OR loanAmount for a specific loan (e.g. "₹50 lakh loan"). Use for "what would my EMI be" / "monthly payment on …". The response `assumptionNote` states the basis in plain words. Always surface the disclaimer field.

  Parameters:

  • propertyValue (required) — integer — Property value (price) in INR. When the user states a property/home price, put it here — an 80% loan is assumed unless loanAmount is also given.
  • loanAmount — integer — Loan amount in INR. Pass this when the user states a specific loan (e.g. "₹50 lakh loan") rather than a property price. Defaults to 80% of propertyValue if omitted.
  • tenureYears — integer — Loan tenure in years. Defaults to 20.
  • interestRatePercent — number — Annual interest rate (percent). Defaults to current market estimate.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• simulate_loan_prepayment read-only

  Simulate prepaying / repaying an Indian home loan early. Deterministic math — no advice, no loan-approval claim. Use for "should I prepay", "early/part/lump-sum repayment", "pay extra each month", "reduce EMI or tenure", "interest saved", or foreclosure. Modes: one-time, recurring yearly, or a fixed extra every month. Compares reduce_tenure (keep EMI, finish early) vs reduce_emi (keep tenure, lower EMI). emi = next EMI; finalEmi = after the last prepayment. Always surface the disclaimer field.

  Parameters:

  • outstandingPrincipal (required) — integer — Current outstanding home-loan principal in INR.
  • remainingTenureYears (required) — integer — Years left on the loan at the current EMI.
  • strategy — string — reduce_tenure keeps the EMI and finishes early (bigger saving); reduce_emi keeps the tenure and lowers the EMI; compare_both returns both.
  • prepaymentMode — string — How the prepayment is made (annual anniversary vs every month).
  • prepaymentAmount — integer — One-time lump-sum prepayment in INR (one_time / one_time_plus_recurring* modes).
  • annualRatePercent — number — Current annual interest rate (percent). Defaults to the indicative market rate when omitted.
  • recurringAnnualAmount — integer — Recurring yearly prepayment in INR (recurring_annual / one_time_plus_recurring modes).
  • recurringMonthlyAmount — integer — Fixed extra paid toward principal EVERY month on top of the EMI (recurring_monthly / one_time_plus_recurring_monthly modes).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• compare_balance_transfer read-only

  Compare staying on your current home loan vs. transferring (refinancing) to a lower rate. Pure deterministic math — no advice, no loan-approval claim. Use when the user asks "should I switch lenders / transfer my loan / refinance". Returns new EMI, interest saved over the remaining tenure, switching cost, net saving, and the breakeven month. Always surface the disclaimer field.

  Parameters:

  • outstandingPrincipal (required) — integer — Current outstanding home-loan principal in INR.
  • currentRatePercent (required) — number — Current annual interest rate (percent).
  • newRatePercent (required) — number — New lender annual interest rate (percent).
  • remainingTenureYears (required) — integer — Years left on the loan.
  • flatCosts — integer — Flat legal + valuation charges in INR. Defaults to ₹12,500.
  • processingFeePct — number — New-lender processing fee on the balance (percent). Defaults to 0.5%.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• optimize_home_loan_tax_regime read-only

  Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math — not tax advice. Use when the user asks "old or new tax regime", "home-loan tax benefit", or "section 80C / 24(b) deduction". Models §24(b) interest + §80C principal (+ joint-loan doubling); the response lists benefits it does NOT model (capital gains, HRA, etc.). Always surface the disclaimer field.

  Parameters:

  • annualIncome (required) — integer — Annual gross income in INR EXCLUDING house property (salary + other income).
  • homeLoanInterest (required) — integer — Annual home-loan interest paid (INR).
  • homeLoanPrincipal (required) — integer — Annual home-loan principal repaid (INR) — counts toward 80C.
  • ageBand — string — Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senior 80+ → ₹5L). New regime unaffected. Defaults to below60.
  • other80C — integer — Other 80C investments in INR (PF, ELSS, insurance, etc.).
  • jointLoan — boolean — Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption).
  • saleValue — integer — NRI only — sale consideration in INR for §195 TDS computation.
  • annualRent — integer — Annual rent received in INR — required for let_out.
  • isSalaried — boolean — Whether the taxpayer is salaried (gets the standard deduction).
  • hasForm15CB — boolean — NRI only — whether Form 15CB CA-attestation is already in hand.
  • indexedCost — integer — NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale value.
  • propertyType — string — Whether the property is self-occupied or let out.
  • holdingMonths — integer — NRI only — holding period in months. ≤24 is STCG; >24 is LTCG.
  • nroBalanceUsd — number — NRI only — NRO account balance in USD equivalent for the repatriation cap math.
  • ytdRemittedUsd — number — NRI only — FY-to-date USD already remitted under the $1M cap.
  • residencyStatus — string — Default resident. Pass nri to get §195 TDS + LRS-cap math in the response.
  • countryOfResidence — string — NRI only — DTAA article lookup hint. Free-form country name.
  • otherOldRegimeDeductions — integer — Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• estimate_stamp_duty_and_registration read-only

  Estimate Indian state stamp duty + registration charges on a property purchase. Supports all 28 states + 8 UTs with buyer-gender concessions, urban/rural overrides, and commercial/agricultural multipliers. Pass constructionStatus to also itemize GST (under-construction 1%/5%, ready/resale 0%) for an all-in statutory quote. Returns supported=false for states outside India (supported set named in rateBasis). Not legal/tax advice. Always surface the disclaimer.

  Parameters:

  • propertyValue (required) — integer — Sale value in INR for stamp-duty calculation.
  • state (required) — string — Indian state — ISO code ("MH"), slug ("maharashtra") or name ("Maharashtra"). Required.
  • city — string — City or town, e.g. "Pune". Decides the rate where the state prices by location (MH, KA, WB, MP, HR): Pune 7%, Mumbai 6%. Send the place as the buyer names it ("Kharghar"), not the wider city it is listed under.
  • isUrban — boolean — Urban (default) or rural. Used for the location when city and localBody are absent.
  • firstSale — boolean — True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. Absent: constructionStatus under_construction ⇒ true, resale ⇒ false, ready_to_move decides nothing (may be a resale).
  • localBody — string — Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said).
  • buyerGender — string — "female" (a woman), "joint" (a man and a woman together) or "male" (default; two women: female). Changes the price only where a state gives women a concession. Overrides isWomanBuyer.
  • isWomanBuyer — boolean — Backward-compatibility shim — prefer buyerGender. When true, internally treated as buyerGender="female".
  • propertyType — string — residential (default), plot (bare land; a residential-only concession does not reach it), commercial or agricultural.
  • carpetAreaSqft — integer — Carpet area (sqft) — with value, decides the affordable-housing 1% GST slab.
  • constructionStatus — string — When set, also itemizes GST: under-construction = 1% (affordable) / 5%; ready/resale = 0%. Omit → GST not computed.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_property_details read-only

  Fetch full public details for one AVnester listing by its listingId (from search_properties results — IDs are not guessable). Listings cover Tamil Nadu; unknown or unpublished IDs return { listing: null, notFound: true } (never throws, to avoid leaking existence). Use when the user references a specific listing. State verification.caveats beside the verified flag: an approval is not a title, ownership or encumbrance check. Read-only, no side effects.

  Parameters:

  • listingId (required) — string — AVnester listingId, as returned in search_properties results (the `listingId` field). IDs are not guessable — call search_properties first. Also the trailing segment of a listing sourceUrl.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• compare_properties read-only

  Compare 2–5 AVnester listings by listingId, side-by-side. Get IDs from search_properties first (not guessable). If the user has more than 5 candidates ("compare all"), pick the most relevant 5 (cheapest / largest / best ₹/sqft) and say so. Returns each listing plus pricePerSqft, vsCheapestPercent (0 = cheapest), vsLargestAreaPercent (0 = largest). Unknown IDs return not_found_or_unpublished. Does NOT recommend a purchase. Show verification.caveats with verified. Always surface the disclaimer.

  Parameters:

  • listingIds (required) — array — 2–5 AVnester listingIds (from search_properties results) to compare. IDs are not guessable — call search_properties first. Order is preserved in the output.

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

• get_property_decision_intelligence read-only

  Assess whether a buyer can afford a specific Indian home — ONE verdict (AFFORDABLE / STRETCH / NOT_YET / INELIGIBLE) combining indicative eligibility (FOIR/LTV/CIBIL), EMI, true cash-to-close (down payment + stamp duty + registration + itemized GST), regime-aware tax, and an indicative lender-fit triage. Mode A: an AVnester listingId. Mode B: propertyValue + state (any Indian state). NOT a loan approval, offer, or advice. Always surface the disclaimer.

  Parameters:

  • monthlyNetIncome (required) — integer — Buyer monthly take-home income in INR.
  • city — string — City (manual mode), e.g. "Pune" — decides Maharashtra stamp duty and the GST metro cap. Listing mode reads the listing.
  • state — string — Indian state (ISO "MH"/slug/name) for stamp duty. Required in manual mode; ignored in listing mode.
  • isUrban — boolean — Urban (default) or rural, where the state prices by location (MH, KA, WB, MP, HR); localBody or a known city decides instead.
  • assetType — string — "home" (flat/villa/house) or "plot" (bare land); manual mode only. Plot → shorter tenure, no home-loan tax benefit.
  • firstSale — boolean — True for the FIRST sale of a flat, from the builder (not the buyer's first home); false for a resale. Changes the duty only where a state has a first-sale rate (KA). Omit when unknown: a resale is priced, and said where it matters. If absent, isUnderConstruction true means true.
  • jointLoan — boolean — Joint home loan — doubles 80C/24b caps (equal split).
  • listingId — string — An AVnester listingId. Listing mode — propertyValue, state and city are then ignored, with a warning.
  • localBody — string — Where the property is, in a state that prices by it (MH, KA, WB, MP, HR): gram_panchayat (village), municipal_council (town) or municipal_corporation (city); overrides city. Omit when unknown (a corporation is priced, and said). Manual mode only.
  • annualRent — integer — Annual rent received (let-out).
  • cibilScore — integer — Numeric CIBIL score. Omit → eligibility stays indicative.
  • buyerGender — string — "female" (a woman), "joint" (a man and a woman together) or "male" (default; two women: female). Changes the price only where a state gives women a concession.
  • tenureYears — integer — Loan tenure in years. Defaults to 20.
  • propertyValue — integer — Property price in INR (manual mode). Pass with state (and city where it matters).
  • carpetAreaSqft — integer — Carpet area (sqft) — sharpens the affordable-housing GST test (with the ₹45L value cap).
  • employmentType — string — Employment type (affects tax standard deduction).
  • occupancyIntent — string — Self-occupied vs let-out — changes §24(b) interest treatment. Omitted → self-occupied.
  • residencyStatus — string — Residency status.
  • savingsAvailable — integer — Liquid cash for down payment + charges — enables the cash-gap calc.
  • annualIncomeForTax — integer — Annual income for tax. Defaults to monthlyNetIncome × 12.
  • existingMonthlyEmis — integer — Existing monthly loan EMIs in ₹ (car/personal/cards). Omitted → assumed ₹0, which can inflate eligibility and flip the verdict — ask the buyer.
  • interestRatePercent — number — Override annual interest rate. Defaults to indicative market rate.
  • isUnderConstruction — boolean — Under-construction → GST applies; ready-to-move → no GST. Omitted → ready-to-move (no GST).
  • coApplicantMonthlyIncome — integer — Co-applicant monthly income (joint affordability).

  Hints: read-only yes · destructive no · idempotent yes · open-world yes

Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.