Bharatfin Server

v1.0.0

A powerful MCP server built with NitroStack

Connection Setup

Add via Cursor Settings UI (Settings > Features > MCP > Add New MCP Server):

{
  "mcpServers": {
    // your other mcp servers
    "bharatfin-server": {
      "url": "https://bharatfin-6a6d91c4-code-catalyst-srmist.app.nitrocloud.ai/mcp"
    }
  }
}

Connect remote tools directly via Claude's Web UI:

Connect Claude to your data and tools. Learn more about connectors or get started with pre-built ones.

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Only use connectors from developers you trust. Anthropic does not control which tools developers make available and cannot verify that they will work as intended or that they won't change.

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Configure custom tools directly via ChatGPT's Web UI:

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Add the following configuration block under mcpServers in your Antigravity configuration file (~/.gemini/config/mcp_config.json):

{
  "mcpServers": {
    // your other mcp servers
    "bharatfin-server": {
      "serverUrl": "https://bharatfin-6a6d91c4-code-catalyst-srmist.app.nitrocloud.ai/mcp"
    }
  }
}

Add the following configuration block to your Codex configuration file (~/.codex/config.toml):

[mcp_servers.bharatfin-server]
url = "https://bharatfin-6a6d91c4-code-catalyst-srmist.app.nitrocloud.ai/mcp"

Connect directly using the Server-Sent Events endpoint:

https://bharatfin-6a6d91c4-code-catalyst-srmist.app.nitrocloud.ai/mcp

Available Tools

link_bank_account

Link a bank account via RBI Account Aggregator. Returns consent pending status with consent URL.

fetch_account_data

Fetch aggregated account data including balance and last updated timestamp.

list_supported_banks

List all supported banks for account linking.

check_consent_status

Check the consent gate for a loan application. On a JOINT application every applicant (primary + co-applicants) must have approved consent before any account data may be fetched. Returns per-applicant consent state and a blockedReason when the gate is closed. Call this BEFORE fetch_account_data or fetch_liabilities_bureau.

fetch_liabilities_bureau

Fetch liabilities and credit score from credit bureau (CIBIL/Experian/CRIF).

run_serviceability_calc

Calculate loan serviceability: effective expense, disposable income, eligible loan amount, and qualification status.

detect_variance

Detect variance between declared and verified values. Flags if variance > 10%.

get_credit_health_score

Get composite credit health score and label (Excellent/Good/Fair/Poor).

get_customer_dashboard

Get a customer's full dashboard: all linked accounts and credit health summary.

request_customer_consent

Raise an RBI Account Aggregator consent request against every applicant on a loan application. This is the bank/FIU-side trigger: it specifies the FI type scope, purpose and duration, and puts each applicant's consent into PENDING until they approve in their AA app. Data tools stay blocked until then.

approve_consent

Simulate a customer approving (or rejecting) a pending AA consent in their Account Aggregator app. This is the customer-side action that opens the data gate. Use decision='rejected' to demonstrate a refusal.

authority_list_applications

List loan applications for a bank, optionally filtered by status (pending/approved/rejected/exception). Each application includes flaggedVariances describing exactly why it was flagged (a declared-vs-verified mismatch). When explaining an exception, quote flaggedVariances — do NOT infer a reason from the loan amounts.

authority_review_exception

Review an exception application and provide approval/rejection decision with reviewer notes.

authority_get_application_detail

Get full application details including applicant info, variance flags, and serviceability result.

get_consent_audit_log

Retrieve the consent audit trail: who requested which data, when, under what scope, and whether it was allowed or blocked. This is the regulator-facing evidence that the consent gate was actually enforced — including refused attempts. Optionally filter by applicant or application.

listInvoices

List invoices with optional filtering by customer ID and status. Supports pagination via limit and offset.

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