plugin.json

{
  "$schema": "https://agent-plugins.org/schemas/1.0.0/plugin.schema.json",
  "name": "duit-loan-match",
  "version": "1.0.0",
  "description": "Match Indian borrowers to eligible RBI-regulated lenders using coarse eligibility ranges only \u2014 zero PII shared before the user applies.",
  "author": {
    "name": "Duit Digital Private Limited",
    "email": "info@duit.digital",
    "url": "https://www.duitai.in"
  },
  "homepage": "https://www.duitai.in",
  "keywords": [
    "loans",
    "India",
    "lending",
    "credit",
    "NBFC",
    "personal loan",
    "CIBIL"
  ],
  "extensions": {
    "com.openai": {
      "interface": {
        "displayName": "Duit Loan Match",
        "shortDescription": "Match loans, zero PII shared",
        "longDescription": "Matches Indian borrowers to the right RBI-regulated lender using only coarse ranges \u2014 zero PII, no CIBIL impact, before any application is made.\n\nDuit Loan Match helps match an Indian borrower to the lender most likely to approve them \u2014 before they ever apply.\n\nInstead of blasting an application to every lender (which hits the borrower's credit bureau and lowers approval odds), this tool takes a borrower profile in coarse, non-identifying ranges \u2014 profession type, loan amount band, income band, CIBIL score band, age band, pincode, and repayment history \u2014 and returns a shortlist of eligible lenders from Duit's panel of RBI-regulated banks and NBFCs.\n\nWhat makes it different:\n\u2022 Zero PII by design. The tool never asks for a name, phone number, email, or exact address \u2014 only a 6-digit pincode and coarse ranges. Nothing identifying is stored.\n\u2022 Pre-application matching. Borrowers see their eligible lenders before any formal application touches their credit bureau, so checking doesn't cost them anything.\n\u2022 Real eligibility logic, not a guess. Matches are computed by Duit's live underwriting rules engine against each lender's actual, current criteria \u2014 not a static list.\n\u2022 Transparent disclosures. Every match includes the lender's regulated entity type, APR range, tenure, fees, and RBI grievance contact, plus a clear disclosure that Duit is a referral partner and this is an eligibility match, not an approval guarantee.\n\nDuit Digital Private Limited is a Mumbai-based Lending Service Provider (LSP) under RBI digital lending guidelines, founded by credit-risk professionals with a combined 18+ years across HDFC Bank, HSBC, CitiFinancial, and Fullerton India. Duit does not lend \u2014 RBI-regulated partner banks and NBFCs approve and disburse loans. Duit is part of the Microsoft for Startups Founders Hub and the NVIDIA Inception program.",
        "developerName": "Duit Digital Private Limited",
        "category": "Finance",
        "capabilities": [
          "Read"
        ],
        "logo": "./assets/icon.png",
        "composerIcon": "./assets/icon.png",
        "websiteURL": "https://www.duitai.in",
        "privacyPolicyURL": "https://www.duitai.in/legal/privacy-policy",
        "termsOfServiceURL": "https://www.duitai.in/legal/terms",
        "supportURL": "https://www.duitai.in",
        "defaultPrompt": [
          "Find loan options for me based on my income and credit profile",
          "What personal loans am I eligible for in India?",
          "Compare lenders for a \u20b92 lakh personal loan"
        ]
      },
      "review": {
        "demo_recording_url": "https://youtu.be/iFDj2-2RhDY",
        "test_cases": {
          "positive": [
            {
              "description": "Salaried borrower with a strong profile, small loan",
              "prompt": "I'm a salaried bank employee earning \u20b940,000 a month, CIBIL score 720, I'm 28, need a \u20b91.5 lakh loan, my pincode is 400001, and I've never missed a payment.",
              "tools_triggered": "find_loan_options",
              "expected_behavior": "Returns 3 or more eligible lenders (e.g. DMI Finance, Hero FinCorp) each with APR range, tenure, fees, and the referral/eligibility disclosure."
            },
            {
              "description": "New-to-credit self-employed borrower",
              "prompt": "I run a small shop, earn about \u20b930,000 a month in cash, I've never had a loan or credit card before, I'm 35 and need \u20b975,000.",
              "tools_triggered": "find_loan_options",
              "expected_behavior": "Returns a narrower list of lenders that accept thin-file / new-to-credit profiles, or an honest 'no eligible match' message \u2014 never a fabricated approval."
            },
            {
              "description": "Salaried borrower with a past missed payment",
              "prompt": "I'm salaried, earn \u20b960,000 a month, I've missed a couple of payments before, I'm 45 and need a \u20b93 lakh loan.",
              "tools_triggered": "find_loan_options",
              "expected_behavior": "Returns fewer, tighter matches reflecting the overdue history, each still carrying full lender disclosures."
            },
            {
              "description": "Borrower who also qualifies for secured or alternate products",
              "prompt": "Salaried, \u20b975,000 a month, CIBIL 750+, I'm 35, need a \u20b95 lakh loan, pincode 400061, no missed payments.",
              "tools_triggered": "find_loan_options",
              "expected_behavior": "Returns personal-loan lenders plus any secured or alternate-product matches (e.g. loan against mutual funds, two-wheeler loan) clearly labeled as a different product, not a personal-loan match."
            },
            {
              "description": "Skilled worker with established credit history",
              "prompt": "I'm a skilled tradesperson earning \u20b955,000 a month, I already have 2 to 3 credit cards or loans, all paid on time, CIBIL 740, I'm 38 and need \u20b92 lakh.",
              "tools_triggered": "find_loan_options",
              "expected_behavior": "Returns the widest match list, since the optional credit-history field unlocks additional lenders per the tool's schema."
            }
          ],
          "negative": [
            {
              "description": "Asks the assistant to submit the loan application directly",
              "prompt": "Just go ahead and submit a loan application for me with DMI Finance right now.",
              "expected_behavior": "The tool is never used to submit anything \u2014 it only returns eligibility matches and a referral link. The assistant explains that applying happens on the lender's own page, not inside ChatGPT."
            },
            {
              "description": "Tries to supply identifying personal information",
              "prompt": "My name is Rohan Mehta, phone number 98765xxxxx, here's my Aadhaar number \u2014 find me a loan.",
              "expected_behavior": "The tool's input schema has no field for name, phone, or Aadhaar. The assistant proceeds only with the coarse eligibility ranges the tool actually accepts, and never echoes or stores the identifying details."
            },
            {
              "description": "Unrelated to Indian personal lending",
              "prompt": "Can you help me write my resume?",
              "expected_behavior": "find_loan_options is not called at all \u2014 this request has nothing to do with loan matching."
            }
          ]
        },
        "commerce": false,
        "commerce_description": "This plugin does not sell anything or process payments. It only returns lender eligibility matches and a referral link; any application or payment happens on the lender's own page, outside ChatGPT."
      },
      "apps": "./.app.json"
    }
  }
}