Kaagaz
Research it

Research agent · not a lookup table

Bank paperwork, researched live and cited line by line.

Name the transaction, the bank, the applicant, and the state. Kaagaz normalizes the question, checks its research record, searches the live web when needed, and returns one ordered checklist with costs, timelines, regulator attribution, and the sources it actually read.

Start a research request See the architecture
  • 14 pre-researched answers
  • 32 distinct cited sources
  • RBI, registrar, and bank rules kept separate

You ask once. You tick everything off. You keep the receipts.

  • Live research, not a fixed menu

    Unknown banks, products, and spellings pass through. Anything outside the cache is researched, then filed.

  • Sources you can open

    No anonymous “generally required” list. Every checklist keeps the exact URLs behind its claims.

  • Regulator-aware answers

    RBI rules, state stamp acts, registrar procedure, and bank policy are labeled separately—and never mixed.

  • Freshness with a date

    Repeat questions answer instantly from cache, show when they were researched, and refresh through live search.

Ask in your own words

Cold research takes about 15–40 seconds
  1. Describe the transaction
    any bank, any state
  2. We search, read and cite
    the primary sources
  3. Tick off each document
    as you collect it

Anything at all. If it is not on this list we will still research it.

Optional. Weights the search towards that bank's own pages.

Optional. Only matters where stamp duty or registration fees apply.

Who is the applicant?

No account, no upload, nothing stored about you. Cached answers are instant; a new question shows each live research stage.

Or start from something common

Pre-warmed · instant answer
Home loan · HDFC Bank 14 documents, rate band included Home loan · SBI, as an NRI 10 documents, includes work permit and attestation Education loan · study abroad 13 documents, all-NRI household Loan against FD · SBI 6 documents, spread pricing FD as a guarantee The contrast case — and why it is not the same thing NRI account · NRE / NRO 9 documents, FEMA and attestation Property registration · Kerala 13 documents, stamp act vs registrar Business current account · ICICI 12 documents, company structure Gold loan · SBI 8 documents, post-2025 RBI directions Mudra loan 11 documents, by category Personal loan 8 documents, unsecured — no collateral Kisan Credit Card 7 documents, agricultural — and a different regulator Vehicle loan · HDFC 7 documents, the easiest secured product Loan against property 8 documents, lower LTV than a home loan

Architecture

A pipeline built to be audited.

Search and generation are deliberately separate operations. That separation lets Kaagaz control citations, survive one provider outage without losing the other, and store every answer with the evidence used to construct it.

  1. Normalize the request

    Transaction, bank, state, and residency are canonicalized for matching. Unknown values are preserved because they may be the most important part of the question.

  2. Check the research record

    Fresh entries answer immediately. A stale entry can be served transparently when live research fails, with its age displayed.

  3. Search and read sources

    Direct keyless search finds candidate pages; the app fetches and reads the text. A model-backed web-search fallback is used only when direct search is unavailable.

  4. Generate through a provider chain

    Structure comes from an ordered registry, not one API. Providers without keys are skipped; unavailable providers are temporarily removed from rotation.

  5. Enforce honesty in code

    Figures must be sourced. Stamp duty is never attributed to the RBI. Rates are published as bands. Missing disclosures are stated explicitly.

  6. File one audit record

    The checklist, query, sources, timestamps, model, and provider are stored together. The result page can show that exact research record.

Generation order: OpenRouter Groq, with live model discovery NVIDIA NIM

Search and generation can fail independently. That is intentional: a search outage does not disable structuring, and a generation outage does not erase retrieved evidence. When both are unavailable, the interface suggests the closest cached research instead of displaying an empty error.

What we already know

Verified against primary sources
Checklists pre-researched 14 Covering the seed cases the demo walks through, each with its sources recorded
Distinct sources cited 32 Bank product pages, RBI directions and state registration department sites
Failure behavior Guided Search outages show overlapping cached cases and retry options
The cache is a floor, not a ceiling. Those 14 entries exist so the common cases answer instantly and survive a flaky connection. Anything else—any bank, any product, any state—is researched live and then filed into the same record.

Questions judges usually ask

Straight answers
Why are bank, state, and residency all required?

Because each changes the documents. A bank imposes its own proofs, a state controls stamp duty and registration, and residency determines FEMA and attestation requirements. Removing any input would make some correct answers impossible.

What happens when live search is blocked?

Kaagaz first serves a stale answer if one exists. Otherwise it reports the outage and recommends cached cases with overlapping transactions or banks, so the visitor can still make progress.

Why does it show a rate band instead of one rate?

Published loan pricing varies by credit score, amount, tenure, and fees. A single number would imply a guarantee the bank did not make. Kaagaz therefore reports the sourced band—or says the rate is not publicly disclosed.

Is this legal or financial advice?

No. It is an informational research tool. Every material decision should be checked against the cited bank page, registrar notification, RBI direction, or a qualified professional.

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