knowledge_base.py

"""
Comprehensive Indian Banking & Finance Knowledge Base
Used for RAG retrieval - all documents in English for retrieval,
answers generated back in Hindi.
"""

KNOWLEDGE_BASE = [

# ─────────────────────────────────────────────
# SECTION 1: CORE FINANCIAL TERMS
# ─────────────────────────────────────────────
{
    "id": "term_001",
    "category": "financial_terms",
    "title": "EMI - Equated Monthly Installment",
    "content": (
        "EMI (Equated Monthly Installment) is the fixed amount a borrower pays every month to repay a loan. "
        "It consists of two parts: principal repayment and interest payment. "
        "Formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P = principal, r = monthly interest rate, n = number of months. "
        "In early months, the interest component is higher; as the loan matures, the principal component increases. "
        "Missing an EMI leads to penalty charges and negative credit score impact. "
        "Hindi synonyms: kist, maahik kist, maasik bhugtan."
    ),
    "tags": ["emi", "installment", "kist", "loan repayment", "monthly payment"]
},
{
    "id": "term_002",
    "category": "financial_terms",
    "title": "Interest Rate Types",
    "content": (
        "Fixed Interest Rate: The rate stays the same throughout the loan tenure. EMI does not change. "
        "Floating/Variable Interest Rate: The rate changes with market conditions (linked to RBI repo rate or MCLR). EMI may increase or decrease. "
        "Flat Rate: Interest is calculated on the original principal for the entire tenure — more expensive than reducing balance. "
        "Reducing Balance Rate: Interest is calculated only on the outstanding principal — cheaper and fairer. "
        "Most banks in India use reducing balance method for home loans and personal loans. "
        "Hindi: faixed byaj dar, parivartan byaj dar."
    ),
    "tags": ["interest rate", "fixed rate", "floating rate", "byaj dar", "flat rate", "reducing balance"]
},
{
    "id": "term_003",
    "category": "financial_terms",
    "title": "Principal and Tenure",
    "content": (
        "Principal (Mool Rashi): The original loan amount borrowed, excluding interest. "
        "Loan Tenure (Avadhi): The total time period to repay the loan, expressed in months or years. "
        "Longer tenure → lower EMI but higher total interest paid. "
        "Shorter tenure → higher EMI but lower total interest paid. "
        "For home loans, tenure can be up to 30 years. For personal loans, usually 1–5 years. For vehicle loans, 1–7 years."
    ),
    "tags": ["principal", "mool rashi", "tenure", "avadhi", "loan duration"]
},
{
    "id": "term_004",
    "category": "financial_terms",
    "title": "Credit Score and CIBIL",
    "content": (
        "Credit Score (CIBIL Score) is a 3-digit number ranging from 300 to 900 that represents a person's creditworthiness. "
        "Score above 750 is considered excellent and gets better loan terms. "
        "Score 650–750 is average. Below 650 is poor and may lead to loan rejection. "
        "CIBIL (Credit Information Bureau India Limited) is the most popular credit bureau in India. "
        "Factors affecting score: repayment history (35%), credit utilization (30%), length of credit history (15%), credit mix (10%), new credit inquiries (10%). "
        "Defaulting on loans, missing EMIs, and high credit card utilization reduce the score. "
        "Hindi: saakh score, vishwasniyata score."
    ),
    "tags": ["cibil", "credit score", "saakh", "creditworthiness", "loan eligibility"]
},
{
    "id": "term_005",
    "category": "financial_terms",
    "title": "Processing Fee and Prepayment Charges",
    "content": (
        "Processing Fee: A one-time fee charged by the bank when a loan application is processed. "
        "Typically 0.5% to 2% of the loan amount. Some banks waive this for good customers. "
        "Prepayment Penalty: Charge for repaying the loan before tenure ends. "
        "RBI directive: No prepayment penalty on floating rate home loans and personal loans for individuals. "
        "Fixed rate loans may have prepayment penalty of 1–3%. "
        "Foreclosure: Fully closing the loan before tenure by paying the outstanding principal. "
        "Part-prepayment: Paying extra amount to reduce principal, which reduces EMI or tenure."
    ),
    "tags": ["processing fee", "prepayment", "foreclosure", "part payment", "penalty", "charges"]
},
{
    "id": "term_006",
    "category": "financial_terms",
    "title": "Collateral and Guarantor",
    "content": (
        "Collateral (Zamanat): An asset pledged to the lender as security against a loan. "
        "If the borrower defaults, the bank can seize and sell the collateral to recover the loan. "
        "Secured Loan: Backed by collateral (home loan, gold loan, vehicle loan). Lower interest rate. "
        "Unsecured Loan: No collateral required (personal loan, credit card). Higher interest rate. "
        "Guarantor (Zamanatdar): A third person who agrees to repay the loan if the borrower cannot. "
        "Co-applicant: A joint borrower who shares equal responsibility and can increase loan eligibility."
    ),
    "tags": ["collateral", "zamanat", "guarantor", "security", "secured loan", "unsecured loan"]
},
{
    "id": "term_007",
    "category": "financial_terms",
    "title": "Moratorium and Loan Restructuring",
    "content": (
        "Moratorium: A temporary pause on loan EMI payments, allowed by the bank during financial hardship. "
        "During moratorium, interest continues to accrue. After moratorium ends, EMI or tenure increases. "
        "RBI offered a 6-month moratorium during COVID-19 pandemic in 2020. "
        "Loan Restructuring: Modifying loan terms (lower EMI, extended tenure, reduced interest) to help borrowers in genuine distress. "
        "NPA (Non-Performing Asset): A loan where borrower has not paid EMI for 90+ days. Declared as bad debt. "
        "OTS (One Time Settlement): Bank agrees to settle for less than the total outstanding amount."
    ),
    "tags": ["moratorium", "loan restructuring", "NPA", "OTS", "hardship", "holiday"]
},
{
    "id": "term_008",
    "category": "financial_terms",
    "title": "KYC Documents",
    "content": (
        "KYC (Know Your Customer) is mandatory for all banking and loan services in India. "
        "Identity Proof (any one): Aadhaar Card, PAN Card, Passport, Voter ID, Driving License. "
        "Address Proof (any one): Aadhaar Card, Utility Bill (electricity/water/gas), Rent Agreement, Bank Statement. "
        "Income Proof for Salaried: Last 3 months salary slips, Form 16, last 6 months bank statement. "
        "Income Proof for Self-Employed: ITR (Income Tax Return) for last 2–3 years, business registration proof, GST returns. "
        "PAN Card is mandatory for loans above Rs. 50,000. "
        "Aadhaar-based e-KYC is accepted for most digital loan applications."
    ),
    "tags": ["kyc", "documents", "aadhaar", "pan card", "identity proof", "address proof", "income proof"]
},
{
    "id": "term_009",
    "category": "financial_terms",
    "title": "MCLR and Repo Rate",
    "content": (
        "Repo Rate: The rate at which RBI (Reserve Bank of India) lends money to commercial banks. "
        "When RBI cuts repo rate, banks can reduce home loan and other loan interest rates. "
        "MCLR (Marginal Cost of Funds based Lending Rate): The minimum interest rate below which banks cannot lend. "
        "Introduced in 2016 to improve monetary policy transmission. "
        "Most floating rate loans are linked to MCLR or external benchmark (repo rate). "
        "EBLR (External Benchmark Lending Rate): Since Oct 2019, all floating rate retail loans must be linked to RBI repo rate or other external benchmarks. "
        "Base Rate: Older benchmark replaced by MCLR. Some old loans still on base rate."
    ),
    "tags": ["mclr", "repo rate", "rbi", "base rate", "eblr", "benchmark rate", "interest rate policy"]
},
{
    "id": "term_010",
    "category": "financial_terms",
    "title": "Loan Types Overview",
    "content": (
        "Home Loan: For purchasing, constructing or renovating a house. Tenure up to 30 years. Rate: 8.5%–10% p.a. "
        "Personal Loan: Unsecured, for any purpose. Tenure 1–5 years. Rate: 10%–24% p.a. "
        "Vehicle Loan (Car/Two-Wheeler): For buying vehicles. Tenure up to 7 years. Rate: 7%–12% p.a. "
        "Gold Loan: Against gold jewelry/coins. Quick disbursal. Tenure up to 3 years. Rate: 7%–15% p.a. "
        "Education Loan: For higher studies in India or abroad. Moratorium during study period. Rate: 8%–15% p.a. "
        "Business Loan / MSME Loan: For small and medium businesses. Collateral may or may not be required. "
        "Mudra Loan: Government scheme for small businesses (up to Rs. 10 lakh). "
        "Agricultural Loan / Kisan Credit Card: For farmers. Subsidized interest rates."
    ),
    "tags": ["home loan", "personal loan", "vehicle loan", "gold loan", "education loan", "business loan", "mudra", "kisan credit card"]
},

# ─────────────────────────────────────────────
# SECTION 2: MAJOR BANKS IN INDIA
# ─────────────────────────────────────────────
{
    "id": "bank_001",
    "category": "banks",
    "title": "State Bank of India (SBI) - Services and Loans",
    "content": (
        "State Bank of India (SBI) is India's largest public sector bank. "
        "Home Loan: SBI Home Loan starts at 8.5% p.a. Products include SBI Home Loan, SBI Flexipay Home Loan, SBI Privilege Home Loan (for govt employees), SBI Shaurya Home Loan (for defence personnel). "
        "Personal Loan: SBI XPRESS Credit for salaried, rate 11%–15% p.a. up to Rs. 20 lakh. "
        "Car Loan: SBI Car Loan at 8.85% p.a. onwards. "
        "Gold Loan: SBI Realty Gold Loan up to Rs. 50 lakh. "
        "Education Loan: SBI Student Loan Scheme and SBI Scholar Loan for premier institutes. "
        "PMJDY: SBI is a key participant in Pradhan Mantri Jan Dhan Yojana for zero-balance accounts. "
        "Kisan Credit Card: Available for farmers. SBI YONO app for digital banking. "
        "Customer Care: 1800-11-2211 (toll free)."
    ),
    "tags": ["sbi", "state bank of india", "sbi home loan", "sbi personal loan", "sbi gold loan", "public sector bank"]
},
{
    "id": "bank_002",
    "category": "banks",
    "title": "HDFC Bank - Services and Loans",
    "content": (
        "HDFC Bank is India's largest private sector bank. "
        "Home Loan: HDFC Home Loan at 8.75% p.a. onwards. Offers balance transfer and top-up facility. "
        "Personal Loan: Up to Rs. 40 lakh, rate 10.85%–24% p.a., tenure 1–5 years. Pre-approved offers for existing customers. "
        "Car Loan: 7.9% p.a. onwards. Up to 100% of on-road price. "
        "Two Wheeler Loan: Up to 95% of vehicle cost. "
        "Credit Cards: Wide range including MoneyBack, Regalia, Millennia. "
        "Business Loan: HDFC SmartBiz Loan for SMEs up to Rs. 50 lakh. "
        "Education Loan: Up to Rs. 20 lakh for India, Rs. 45 lakh for abroad. "
        "Digital Channels: HDFC Bank MyAccount app, NetBanking. "
        "Customer Care: 1800-202-6161 (toll free)."
    ),
    "tags": ["hdfc", "hdfc bank", "hdfc home loan", "hdfc personal loan", "private sector bank"]
},
{
    "id": "bank_003",
    "category": "banks",
    "title": "ICICI Bank - Services and Loans",
    "content": (
        "ICICI Bank is one of India's top private sector banks. "
        "Home Loan: 8.75% p.a. onwards. ICICI Home Search platform for property discovery. "
        "Personal Loan: Insta Personal Loan up to Rs. 50 lakh for pre-approved customers. Rate 10.85% p.a. onwards. "
        "Car Loan: 8.85% p.a. onwards. Approval in 30 minutes for salaried customers. "
        "Education Loan: Up to Rs. 1 crore for abroad studies with moratorium. "
        "Gold Loan: Loan against gold at 9% p.a. onwards. "
        "iMobile Pay: ICICI's digital banking super-app. "
        "Paylater: Buy now pay later service. "
        "Business Banking: CC limit, OD, working capital loans. "
        "Customer Care: 1800-1080 (toll free)."
    ),
    "tags": ["icici", "icici bank", "icici home loan", "icici personal loan", "private sector bank"]
},
{
    "id": "bank_004",
    "category": "banks",
    "title": "Bank of Baroda (BOB) - Services and Loans",
    "content": (
        "Bank of Baroda is a major public sector bank in India. "
        "Home Loan: BOB Home Loan starting 8.4% p.a. Baroda Home Suvidha Loan for easier eligibility. "
        "Personal Loan: Baroda Personal Loan up to Rs. 10 lakh. Rate 10.9% p.a. "
        "Vehicle Loan: BOB Vehicle Loan at competitive rates. "
        "Education Loan: Baroda Vidya Loan and Baroda Scholar schemes. "
        "Baroda Tiranga Plus Deposit: Special FD scheme. "
        "PM SVANidhi: For street vendors. "
        "bob World app for digital services. "
        "Baroda Connect for internet banking. "
        "Customer Care: 1800-5700."
    ),
    "tags": ["bank of baroda", "bob", "baroda home loan", "baroda personal loan", "public sector bank"]
},
{
    "id": "bank_005",
    "category": "banks",
    "title": "Punjab National Bank (PNB) - Services and Loans",
    "content": (
        "Punjab National Bank (PNB) is one of India's oldest and largest public sector banks. "
        "Home Loan: PNB Housing Finance offers home loans from 8.5% p.a. "
        "PNB Pride Home Loan for government employees. "
        "Personal Loan: PNB Personal Loan up to Rs. 15 lakh. Rate 11.4% p.a. onwards. "
        "Vehicle Loan: PNB Car Loan at 8.85% p.a. "
        "Education Loan: PNB Saraswati Loan and Udaan for studies abroad. "
        "Kisan Credit Card: For agricultural lending. "
        "PNB One app for mobile banking. "
        "Customer Care: 1800-180-2222."
    ),
    "tags": ["pnb", "punjab national bank", "pnb home loan", "pnb personal loan", "public sector bank"]
},
{
    "id": "bank_006",
    "category": "banks",
    "title": "Axis Bank - Services and Loans",
    "content": (
        "Axis Bank is India's third largest private sector bank. "
        "Home Loan: 8.75% p.a. onwards. FastForward Home Loans for quick processing. "
        "Personal Loan: Up to Rs. 40 lakh, rate 10.49% p.a. onwards. Instant approval for pre-approved customers. "
        "Car Loan: 8.7% p.a. onwards. "
        "EDGE Credit Card: Popular rewards credit card. "
        "Business Loan: Axis Business Loan up to Rs. 75 lakh. "
        "Axis Mobile app and internet banking. "
        "Burgundy and Priority Banking for HNI customers. "
        "Customer Care: 1800-419-5959."
    ),
    "tags": ["axis bank", "axis home loan", "axis personal loan", "private sector bank"]
},
{
    "id": "bank_007",
    "category": "banks",
    "title": "Canara Bank - Services and Loans",
    "content": (
        "Canara Bank is a major public sector bank formed after merger with Syndicate Bank. "
        "Home Loan: Canara Bank Home Loan at 8.45% p.a. Special rates for women borrowers. "
        "Personal Loan: Canara Budget at 12% p.a. for salaried. "
        "Gold Loan: Canara Gold Loan for quick liquidity. "
        "Education Loan: Canara Vidya Turant for digital processing. "
        "Canara Bank MSME loans under government schemes. "
        "Canara ai1 mobile banking app. "
        "Customer Care: 1800-103-0018."
    ),
    "tags": ["canara bank", "canara home loan", "canara personal loan", "public sector bank"]
},
{
    "id": "bank_008",
    "category": "banks",
    "title": "Kotak Mahindra Bank - Services and Loans",
    "content": (
        "Kotak Mahindra Bank is a leading private sector bank. "
        "Home Loan: 8.75% p.a. onwards. Unique step-up EMI product. "
        "Personal Loan: Up to Rs. 40 lakh at 10.99% p.a. "
        "Car Loan: 7.9% p.a. for new cars. "
        "811 Zero Balance Account: Popular digital savings account. "
        "Business Loan: Working capital and term loans for businesses. "
        "Kotak Mobile Banking app is highly rated. "
        "Customer Care: 1860-266-2666."
    ),
    "tags": ["kotak", "kotak mahindra bank", "kotak home loan", "kotak personal loan", "private sector bank"]
},
{
    "id": "bank_009",
    "category": "banks",
    "title": "Union Bank of India - Services and Loans",
    "content": (
        "Union Bank of India is a public sector bank formed after merger with Andhra Bank and Corporation Bank. "
        "Home Loan: Union Home at 8.35% p.a. — among the lowest rates. "
        "Personal Loan: Union Personal up to Rs. 15 lakh. "
        "Union Miles Car Loan: For vehicle purchase. "
        "Union Education: Loan for higher studies. "
        "MSME Loans: Stand Up India, PMEGP participation. "
        "Vyom Mobile Banking. "
        "Customer Care: 1800-22-2244."
    ),
    "tags": ["union bank", "union bank of india", "union home loan", "public sector bank"]
},
{
    "id": "bank_010",
    "category": "banks",
    "title": "Indian Bank - Services and Loans",
    "content": (
        "Indian Bank is a public sector bank headquartered in Chennai, merged with Allahabad Bank. "
        "Home Loan: IND Home Loan at 8.4% p.a. "
        "Personal Loan: IND Personal at 12% p.a. "
        "Gold Loan: Quick disbursal, suitable for rural areas. "
        "Kisan Credit Card and SHG Linkage for rural finance. "
        "MSME loans under PM Mudra and Stand Up India. "
        "IndOASIS and IndPay mobile apps. "
        "Customer Care: 1800-425-4422."
    ),
    "tags": ["indian bank", "ind home loan", "public sector bank", "allahabad bank"]
},
{
    "id": "bank_011",
    "category": "banks",
    "title": "Small Finance Banks - Services and Loans",
    "content": (
        "Small Finance Banks (SFBs) serve underbanked populations with small-ticket loans. "
        "Key SFBs: AU Small Finance Bank, Jana Small Finance Bank, Ujjivan Small Finance Bank, Equitas Small Finance Bank, ESAF Small Finance Bank. "
        "Products: Micro Loans, Group Loans (JLG), Housing Microfinance, MSME Loans, Agriculture Loans, Two-Wheeler Loans. "
        "AU Small Finance Bank: Home loan, vehicle loan, business loan. Higher FD rates. "
        "Ujjivan SFB: Focuses on women micro-borrowers. MSE loans, home loans for low income. "
        "Equitas SFB: Housing loan for self-employed informal segment, HDB financial services. "
        "Loan amounts: Rs. 10,000 to Rs. 25 lakh. "
        "These banks offer doorstep banking and serve first-time borrowers and daily wage workers."
    ),
    "tags": ["small finance bank", "sfb", "au bank", "ujjivan", "equitas", "jana bank", "micro loan", "jlg", "group loan"]
},
{
    "id": "bank_012",
    "category": "banks",
    "title": "Regional Rural Banks (RRBs) and Co-operative Banks",
    "content": (
        "Regional Rural Banks (RRBs): Jointly owned by central govt, state govt, and a sponsor bank. "
        "Focus on rural credit, agriculture loans, and rural development. "
        "Examples: Prathama UP Gramin Bank, Karnataka Gramin Bank, Baroda Rajasthan Kshetriya Gramin Bank. "
        "Products: Kisan Credit Card, farm machinery loans, SHG loans. "
        "Co-operative Banks: Owned by members. Key entities: District Central Co-operative Banks (DCCBs), Primary Agricultural Credit Societies (PACS), Urban Co-operative Banks (UCBs). "
        "Often offer lower interest rates but have governance challenges. "
        "NABARD (National Bank for Agriculture and Rural Development): Apex body for rural finance. Provides refinance to RRBs and co-operatives."
    ),
    "tags": ["rrb", "regional rural bank", "cooperative bank", "nabard", "rural credit", "pacs", "kisan"]
},

# ─────────────────────────────────────────────
# SECTION 3: GOVERNMENT CREDIT SCHEMES
# ─────────────────────────────────────────────
{
    "id": "scheme_001",
    "category": "govt_schemes",
    "title": "PM Mudra Yojana (PMMY)",
    "content": (
        "PM Mudra Yojana (PMMY) provides loans up to Rs. 10 lakh to non-farm non-corporate small/micro enterprises. "
        "Three categories: "
        "1) Shishu: Loans up to Rs. 50,000 — for startups or very small businesses. "
        "2) Kishore: Loans from Rs. 50,001 to Rs. 5 lakh — for established businesses needing growth capital. "
        "3) Tarun: Loans from Rs. 5 lakh to Rs. 10 lakh — for larger micro enterprises. "
        "No collateral required. Available through banks, MFIs, NBFCs, and RRBs. "
        "Interest rate varies: typically 9%–12% p.a. "
        "Eligibility: Indian citizen, non-farm business, proprietorship, partnership, or company. "
        "Apply at any bank branch or online at mudra.org.in. "
        "Mudra Card: Overdraft facility for working capital. "
        "Tarun Plus category (up to Rs. 20 lakh) introduced in Budget 2024–25 for graduating Tarun borrowers."
    ),
    "tags": ["mudra", "pmmy", "shishu", "kishore", "tarun", "small business loan", "micro enterprise", "self employment"]
},
{
    "id": "scheme_002",
    "category": "govt_schemes",
    "title": "Stand-Up India Scheme",
    "content": (
        "Stand-Up India: Facilitates bank loans between Rs. 10 lakh and Rs. 1 crore to SC/ST borrowers and women entrepreneurs. "
        "At least one SC/ST and one woman borrower per bank branch must be covered. "
        "For setting up greenfield enterprises in manufacturing, services, or trading. "
        "Repayment: Up to 7 years. Moratorium period up to 18 months. "
        "Loans covered under CGFSIL (Credit Guarantee Fund Scheme for Stand-Up India Loans). "
        "Apply online at standupmitra.in or directly at bank branch. "
        "Documents: Business plan, identity proof, address proof, caste certificate (for SC/ST)."
    ),
    "tags": ["stand up india", "sc/st loan", "women entrepreneur", "standupmitra", "greenfield enterprise"]
},
{
    "id": "scheme_003",
    "category": "govt_schemes",
    "title": "PM SVANidhi - Street Vendors Loan",
    "content": (
        "PM SVANidhi (Pradhan Mantri Street Vendor's AtmaNirbhar Nidhi): Micro-credit scheme for street vendors. "
        "Launched in June 2020. "
        "Loan amounts: "
        "First loan: Rs. 10,000. "
        "Second loan: Rs. 20,000 (on timely repayment). "
        "Third loan: Rs. 50,000. "
        "No collateral required. Interest subsidy of 7% for timely repayment. "
        "Digital transactions incentivized with cashback up to Rs. 1,200 per year. "
        "Eligibility: Street vendors operating in urban areas with vendor certificate or letter of recommendation. "
        "Apply at bank branch or through ULB (Urban Local Body). "
        "Portal: pmsvanidhi.mohua.gov.in."
    ),
    "tags": ["svanidhi", "street vendor loan", "rehri", "khomcha", "working capital", "urban vendor"]
},
{
    "id": "scheme_004",
    "category": "govt_schemes",
    "title": "PMEGP - PM Employment Generation Programme",
    "content": (
        "PMEGP (Pradhan Mantri Employment Generation Programme): Subsidy-linked credit scheme for new enterprises. "
        "Implementing agency: KVIC (Khadi and Village Industries Commission). "
        "Maximum project cost: Rs. 50 lakh for manufacturing, Rs. 20 lakh for service sector. "
        "Subsidy (Margin Money): "
        "Urban areas: 15% for general, 25% for special categories. "
        "Rural areas: 25% for general, 35% for special categories. "
        "Special categories include SC/ST, women, ex-servicemen, minorities, persons with disability. "
        "Beneficiary contribution: 5% (special category) or 10% (general). "
        "Balance funded by bank loan. "
        "Apply at kviconline.gov.in. "
        "Eligibility: 18+ years, no income limit. Class 8 pass for projects above Rs. 10 lakh."
    ),
    "tags": ["pmegp", "kvic", "employment generation", "subsidy loan", "manufacturing", "startup grant"]
},
{
    "id": "scheme_005",
    "category": "govt_schemes",
    "title": "Kisan Credit Card (KCC)",
    "content": (
        "Kisan Credit Card (KCC): Provides timely and adequate credit to farmers for agricultural and allied activities. "
        "Credit limit: Based on land holding, crop pattern, scale of finance. Typically Rs. 50,000 to Rs. 3 lakh. "
        "Interest rate: 7% p.a. For timely repayment, 3% interest subvention → effective rate only 4% p.a. "
        "Coverage: Crop cultivation, post-harvest expenses, farm maintenance, allied activities (animal husbandry, fishery). "
        "Validity: 5 years (renewable). "
        "Documents: Land ownership or tenancy proof, identity proof, passport photo. "
        "ATMA KCC: Government linking KCC with Aadhaar for seamless renewal. "
        "Now also extended to fishermen and animal husbandry farmers."
    ),
    "tags": ["kisan credit card", "kcc", "farmer loan", "agriculture credit", "crop loan", "kisan"]
},
{
    "id": "scheme_006",
    "category": "govt_schemes",
    "title": "PM Awas Yojana - Credit Linked Subsidy Scheme (CLSS)",
    "content": (
        "PMAY-CLSS (Credit Linked Subsidy Scheme) provides interest subsidy on home loans to EWS/LIG/MIG households. "
        "Beneficiary categories: "
        "EWS (income up to Rs. 3 lakh) and LIG (Rs. 3–6 lakh): 6.5% interest subsidy on loan up to Rs. 6 lakh. "
        "MIG-I (Rs. 6–12 lakh): 4% subsidy on Rs. 9 lakh. "
        "MIG-II (Rs. 12–18 lakh): 3% subsidy on Rs. 12 lakh. "
        "The subsidy is credited upfront to the loan account, reducing the effective EMI significantly. "
        "For EWS/LIG, house area limited to 30 sqm (EWS) and 60 sqm (LIG). "
        "Apply through PLI (Primary Lending Institutions) — banks, HFCs. "
        "Required: Aadhaar of all family members, no other pucca house in India."
    ),
    "tags": ["pmay", "awas yojana", "housing scheme", "clss", "home loan subsidy", "ews", "lig", "affordable housing"]
},
{
    "id": "scheme_007",
    "category": "govt_schemes",
    "title": "CGTMSE - Credit Guarantee for MSMEs",
    "content": (
        "CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises): Provides guarantee cover to banks for collateral-free MSME loans. "
        "Coverage: Up to 85% of loan amount for loans up to Rs. 5 crore (enhanced to Rs. 5 crore). "
        "Benefit: Borrowers do not need to provide collateral or third-party guarantee. "
        "Annual guarantee fee: 1–2% of loan amount (borne by borrower). "
        "Eligible entities: Manufacturing and service MSMEs, new and existing. "
        "Banks: All scheduled commercial banks and select NBFCs are member institutions. "
        "ECLGS (Emergency Credit Line Guarantee Scheme): COVID-era scheme giving 20% extra loan to existing MSMEs with 100% guarantee."
    ),
    "tags": ["cgtmse", "msme loan", "collateral free", "guarantee scheme", "small business", "eclgs"]
},
{
    "id": "scheme_008",
    "category": "govt_schemes",
    "title": "National Rural Livelihoods Mission (NRLM) - SHG Credit",
    "content": (
        "NRLM (Deendayal Antyodaya Yojana - DAY-NRLM): Links Self Help Groups (SHGs) to bank credit. "
        "SHG: Group of 10–20 women who pool savings and access joint loans. "
        "SHG-Bank Linkage Programme: After 6 months of savings, SHGs get bank loans. "
        "First loan: 4–6x of SHG corpus. Subsequent loans: 8–10x. "
        "Interest subvention: Women SHG members in rural areas get loans at 7% p.a. and 3% back on timely repayment (effective 4%). "
        "JLG (Joint Liability Group): 4–10 farmers/small entrepreneurs jointly borrow without collateral. "
        "Aajeevika Grameen Express Yojana: SHG members can operate rural transport services with credit support."
    ),
    "tags": ["nrlm", "shg", "self help group", "women loan", "joint liability group", "jlg", "rural credit", "microfinance"]
},
{
    "id": "scheme_009",
    "category": "govt_schemes",
    "title": "PM Vishwakarma Yojana",
    "content": (
        "PM Vishwakarma Yojana: Launched September 2023. Provides support to traditional artisans and craftspeople (Vishwakarmas). "
        "18 trades covered: Carpenter, Boat Maker, Armourer, Blacksmith, Hammer and Tool Kit Maker, Locksmith, Goldsmith, Potter, Sculptor, Cobbler, Mason, Basket/Mat/Broom Maker, Doll & Toy Maker, Barber, Garland Maker, Washerman, Tailor, Fishing Net Maker. "
        "Benefits: "
        "Skill training with Rs. 500/day stipend. "
        "Toolkit incentive: Rs. 15,000. "
        "Collateral-free business loan: Rs. 1 lakh (first tranche), Rs. 2 lakh (second tranche at 5% concessional interest). "
        "Digital payment incentive. "
        "PM Vishwakarma certificate and ID. "
        "Apply at pmvishwakarma.gov.in."
    ),
    "tags": ["vishwakarma", "artisan loan", "craftsman", "traditional worker", "concessional loan", "skill loan"]
},
{
    "id": "scheme_010",
    "category": "govt_schemes",
    "title": "PMJDY - Jan Dhan Yojana and Overdraft Facility",
    "content": (
        "PMJDY (Pradhan Mantri Jan Dhan Yojana): Financial inclusion scheme for zero-balance bank accounts. "
        "Features: Zero balance savings account, free RuPay debit card, Rs. 1 lakh accident insurance, Rs. 30,000 life insurance. "
        "Overdraft Facility: Account holders can get overdraft up to Rs. 10,000 (doubled from Rs. 5,000). "
        "Eligibility for OD: 6 months of satisfactory account operation. Priority to women account holders. "
        "Over 52 crore accounts opened since 2014. "
        "DBT (Direct Benefit Transfer): Govt subsidies, scholarships, pensions credited directly to Jan Dhan accounts. "
        "PMJJBY (Jeevan Jyoti Bima Yojana): Rs. 2 lakh life insurance at Rs. 436/year linked to savings account. "
        "PMSBY (Suraksha Bima Yojana): Rs. 2 lakh accident insurance at Rs. 20/year."
    ),
    "tags": ["jan dhan", "pmjdy", "zero balance account", "overdraft", "financial inclusion", "rupay card", "dbt"]
},
{
    "id": "scheme_011",
    "category": "govt_schemes",
    "title": "Education Loan Schemes - Vidya Lakshmi and Padho Pardesh",
    "content": (
        "Vidya Lakshmi Portal (vidyalakshmi.co.in): Single window for education loan applications and govt scholarship. "
        "Students can apply to multiple banks simultaneously. Tracks application status. "
        "CSIS (Central Sector Interest Subsidy): Full interest subsidy during study and 1 year after for EWS students (income below Rs. 4.5 lakh). "
        "Dr. Ambedkar Central Sector Scheme: Interest subsidy for OBC/EBC students studying abroad. "
        "Padho Pardesh: Interest subsidy for minority community students studying abroad. "
        "Loan repayment: Starts 1 year after course completion or 6 months after getting a job, whichever is earlier. "
        "Tax benefit: Interest on education loan deductible under Section 80E for 8 years."
    ),
    "tags": ["education loan", "vidya lakshmi", "csis", "student loan", "abroad studies", "scholarship", "interest subsidy"]
},

# ─────────────────────────────────────────────
# SECTION 4: SOCIAL SECURITY & INSURANCE SCHEMES
# ─────────────────────────────────────────────
{
    "id": "social_001",
    "category": "social_security",
    "title": "PM Jeevan Jyoti Bima Yojana (PMJJBY) and PM Suraksha Bima Yojana (PMSBY)",
    "content": (
        "PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana): "
        "Life insurance cover of Rs. 2 lakh for death from any cause. "
        "Premium: Rs. 436 per year (auto-debited from bank account). "
        "Eligibility: Age 18–50 years, savings bank account. "
        "Renewal: Annual. Cover from June 1 to May 31 each year. "
        ""
        "PMSBY (Pradhan Mantri Suraksha Bima Yojana): "
        "Accident insurance. Rs. 2 lakh for accidental death or full disability, Rs. 1 lakh for partial disability. "
        "Premium: Rs. 20 per year. "
        "Eligibility: Age 18–70 years, savings bank account. "
        ""
        "Both schemes available at any bank, post office, or Jan Dhan account. No medical check required for enrollment."
    ),
    "tags": ["pmjjby", "pmsby", "life insurance", "accident insurance", "social security", "bima yojana"]
},
{
    "id": "social_002",
    "category": "social_security",
    "title": "Atal Pension Yojana (APY)",
    "content": (
        "Atal Pension Yojana (APY): Pension scheme for unorganized sector workers. "
        "Guaranteed monthly pension of Rs. 1,000 / 2,000 / 3,000 / 4,000 / 5,000 at age 60. "
        "Contribution depends on entry age and pension amount chosen. "
        "Entry age: 18–40 years. Minimum contribution period: 20 years. "
        "Contribution example: Join at 18, pension Rs. 5,000 → monthly contribution Rs. 210. "
        "Join at 40, pension Rs. 5,000 → monthly contribution Rs. 1,454. "
        "Govt co-contribution: 50% of subscriber contribution (max Rs. 1,000/year) for 5 years for new non-income-tax-payer subscribers (scheme closed for income tax payers from Oct 2022). "
        "On death after 60: Spouse gets same pension. On death of both: Nominee gets accumulated corpus. "
        "Subscribe at any bank branch or online."
    ),
    "tags": ["atal pension", "apy", "pension scheme", "unorganized sector", "retirement", "social security"]
},
{
    "id": "social_003",
    "category": "social_security",
    "title": "PM Kisan Samman Nidhi (PM-KISAN)",
    "content": (
        "PM Kisan Samman Nidhi: Direct income support of Rs. 6,000 per year to small and marginal farmer families. "
        "Paid in 3 installments of Rs. 2,000 each — April-July, August-November, December-March. "
        "Eligibility: Landholding farmers with up to 2 hectares (now all farmer families). "
        "Transferred directly to Aadhaar-linked bank account via DBT. "
        "Not a loan — this is a direct cash transfer benefit. "
        "Register at pmkisan.gov.in or through Common Service Centre (CSC). "
        "Documents: Aadhaar, land records, bank account. "
        "Over 11 crore farmers enrolled."
    ),
    "tags": ["pm kisan", "farmer income support", "dbt", "direct benefit transfer", "kisan samman nidhi", "agricultural welfare"]
},
{
    "id": "social_004",
    "category": "social_security",
    "title": "EPFO - Provident Fund and Pension for Employees",
    "content": (
        "EPFO (Employees' Provident Fund Organisation): Manages social security for formal sector employees. "
        "EPF (Employee Provident Fund): 12% of basic salary contributed by employee + 12% by employer. "
        "Employer 12% split: 8.33% to EPS (Employee Pension Scheme), 3.67% to EPF. "
        "EPS (Employee Pension Scheme): Monthly pension at age 58 after minimum 10 years of service. "
        "EDLI (Employee Deposit Linked Insurance): Life insurance up to Rs. 7 lakh (free for EPF members). "
        "Withdrawal rules: Full EPF withdrawal on retirement or 2 months of unemployment. "
        "Partial withdrawal: Allowed for house purchase, education, marriage, medical emergency. "
        "UAN (Universal Account Number): 12-digit portable number for managing EPF across employers. "
        "Manage at epfindia.gov.in or UMANG app."
    ),
    "tags": ["epf", "epfo", "provident fund", "pf", "pension", "eps", "employee social security", "uan", "edli"]
},
{
    "id": "social_005",
    "category": "social_security",
    "title": "PM Fasal Bima Yojana (PMFBY) - Crop Insurance",
    "content": (
        "PMFBY (Pradhan Mantri Fasal Bima Yojana): Comprehensive crop insurance for farmers. "
        "Farmer premium: 2% for Kharif crops, 1.5% for Rabi crops, 5% for commercial/horticulture crops. "
        "Rest of premium paid by state and central government. "
        "Coverage: Yield losses due to drought, flood, pest, disease, unseasonal rain, cyclone. "
        "Also covers: Post-harvest losses for up to 14 days. "
        "Voluntary since 2020 (was compulsory for KCC farmers earlier). "
        "Apply through banks, CSCs, or online at pmfby.gov.in before the cut-off date for each crop. "
        "Claims are settled based on state crop-cutting experiment data or satellite data."
    ),
    "tags": ["pmfby", "fasal bima", "crop insurance", "agriculture insurance", "kharif", "rabi", "weather insurance"]
},
{
    "id": "social_006",
    "category": "social_security",
    "title": "NREGA / MGNREGS - Employment Guarantee",
    "content": (
        "MGNREGS (Mahatma Gandhi National Rural Employment Guarantee Scheme): "
        "Guarantees 100 days of paid work per year to adult rural household members. "
        "Current wage rate: Varies by state, typically Rs. 220–350 per day. "
        "Payment: Directly into bank or post office account within 15 days. "
        "Works include: Road construction, water conservation, afforestation, land development. "
        "Job Card: Required to participate. Obtain from Gram Panchayat. "
        "Unemployment allowance: If work not provided within 15 days, entitlement to unemployment allowance. "
        "Not a loan scheme — this is a wage employment entitlement. "
        "Check work status at nrega.nic.in."
    ),
    "tags": ["nrega", "mgnregs", "employment guarantee", "job card", "rural employment", "mahatma gandhi"]
},

# ─────────────────────────────────────────────
# SECTION 5: MICROFINANCE & NBFC
# ─────────────────────────────────────────────
{
    "id": "nbfc_001",
    "category": "nbfc_microfinance",
    "title": "NBFC - Non-Banking Financial Companies",
    "content": (
        "NBFCs (Non-Banking Financial Companies) are financial institutions that provide banking-like services but cannot accept demand deposits. "
        "Regulated by RBI. "
        "Types: NBFC-MFI (Microfinance), NBFC-HFC (Housing), NBFC-AFC (Asset Finance), NBFC-ICC (Investments). "
        "Key NBFCs in India: Bajaj Finance, Muthoot Finance, Manappuram Finance, Tata Capital, Mahindra Finance, L&T Finance, HDB Financial Services. "
        "Bajaj Finance: Personal loans, consumer durable loans, home loans. Quick digital disbursal. "
        "Muthoot Finance: India's largest gold loan NBFC. Quick gold loans. "
        "Manappuram Finance: Gold loans, vehicle loans, microfinance. "
        "NBFCs often lend to those rejected by banks — slightly higher interest rates but more flexible. "
        "NBFC-MFIs: Provide small loans (up to Rs. 3 lakh) to low-income borrowers, often through JLG/SHG model. Examples: Bandhan Bank (erstwhile MFI), Arohan, CreditAccess Grameen, Spandana, SKS/Bharat Financial."
    ),
    "tags": ["nbfc", "bajaj finance", "muthoot", "manappuram", "gold loan", "microfinance", "consumer loan", "fast loan"]
},
{
    "id": "nbfc_002",
    "category": "nbfc_microfinance",
    "title": "Microfinance Institutions (MFIs) and their Loan Process",
    "content": (
        "MFIs (Microfinance Institutions) provide small loans to low-income borrowers, especially rural women, without collateral. "
        "Typical loan size: Rs. 10,000 to Rs. 3 lakh. "
        "Loan process: "
        "1. Form JLG (Joint Liability Group) of 4–10 members. "
        "2. Attend group meeting (CGT - Compulsory Group Training for 3–7 days). "
        "3. Submit KYC documents. "
        "4. Loan disbursed to group account or individual account. "
        "5. Repayment through weekly or fortnightly group meetings. "
        "Interest rates: Capped at 22–24% p.a. by RBI for NBFC-MFIs. "
        "Key rule: Borrower's total microfinance debt cannot exceed Rs. 3 lakh across all MFIs. Maximum 3 MFI lenders. "
        "Use of loan: Income-generating activities (small business, agriculture, livestock, trade)."
    ),
    "tags": ["mfi", "microfinance", "jlg", "group loan", "cgt", "joint liability", "rural loan", "women microfinance"]
},

# ─────────────────────────────────────────────
# SECTION 6: BANKING PROCESSES
# ─────────────────────────────────────────────
{
    "id": "process_001",
    "category": "banking_process",
    "title": "Home Loan Application Process",
    "content": (
        "Step-by-step Home Loan Application Process in India: "
        "Step 1: Check eligibility. Banks consider income, age, CIBIL score, employment type, existing liabilities. "
        "Step 2: Calculate loan amount. Generally 80% of property value (LTV = Loan to Value ratio). "
        "Step 3: Select bank and loan product. Compare interest rates, tenure, processing fees. "
        "Step 4: Submit application with documents: KYC, income proof, property documents (title deed, approved plan, NOC). "
        "Step 5: Loan processing. Bank verifies documents, assesses repayment capacity, conducts legal and technical checks on property. "
        "Step 6: Sanction letter issued. Contains loan amount, rate, tenure, EMI details. Valid for 6 months. "
        "Step 7: Property registration and mortgage creation. "
        "Step 8: Loan disbursement — full for ready property, in tranches for under-construction. "
        "Timeline: 7–30 working days from submission of complete documents. "
        "Tax benefits: Principal repayment (Section 80C up to Rs. 1.5 lakh), Interest (Section 24b up to Rs. 2 lakh)."
    ),
    "tags": ["home loan process", "loan application", "sanction", "disbursement", "ltv", "property loan", "mortgage"]
},
{
    "id": "process_002",
    "category": "banking_process",
    "title": "Personal Loan Application Process",
    "content": (
        "Personal Loan Application Process: "
        "Step 1: Check eligibility. Minimum salary Rs. 15,000–25,000/month (varies by bank/city). Age 21–58 years. CIBIL > 700. "
        "Step 2: Choose lender (bank, NBFC, fintech). Compare rates. "
        "Step 3: Apply online or at branch. "
        "Step 4: Submit documents: KYC, salary slips (3 months), bank statement (6 months), Form 16, employment letter. "
        "Step 5: Credit appraisal (automated for pre-approved; manual review for others). "
        "Step 6: Approval and disbursement. Can be same-day for pre-approved digital loans. "
        "EMI auto-debited from salary account. "
        "No end-use restriction — can be used for any purpose. "
        "FOIR (Fixed Obligation to Income Ratio): Total EMIs should not exceed 40–50% of net monthly income."
    ),
    "tags": ["personal loan process", "salary loan", "instant loan", "foir", "quick loan", "salaried loan"]
},
{
    "id": "process_003",
    "category": "banking_process",
    "title": "Opening a Bank Account",
    "content": (
        "How to open a bank account in India: "
        "Types: Savings Account, Current Account, Jan Dhan Account (zero balance), Fixed Deposit (FD), Recurring Deposit (RD). "
        "Documents required: "
        "KYC: Aadhaar + PAN (or Form 60 if no PAN). Passport-size photo. "
        "Some banks: Additional income proof or address proof. "
        "Jan Dhan (PMJDY): Only Aadhaar needed. Zero balance. No minimum balance requirement. "
        "Zero-balance digital accounts: 811 by Kotak, IDFC FIRST, Paytm Payments Bank — open via app in minutes. "
        "Small/Basic Savings Account: For those without complete KYC — limited to Rs. 50,000 balance and Rs. 1 lakh annual transactions. "
        "Video KYC (V-KYC): Many banks now offer account opening through video call — no need to visit branch."
    ),
    "tags": ["bank account opening", "savings account", "jan dhan account", "zero balance", "kyc", "video kyc"]
},
{
    "id": "process_004",
    "category": "banking_process",
    "title": "UPI and Digital Payments",
    "content": (
        "UPI (Unified Payments Interface): Real-time payment system developed by NPCI. "
        "Apps: PhonePe, Google Pay, Paytm, BHIM, BHIM SBI Pay, iMobile Pay, Axis Pay, etc. "
        "Link bank account to UPI. Payments using VPA (Virtual Payment Address) like name@okaxis. "
        "Limits: Rs. 1 lakh per transaction (Rs. 2 lakh for some categories). "
        "IMPS: Immediate Payment Service — 24x7 fund transfer up to Rs. 5 lakh. "
        "NEFT: National Electronic Funds Transfer — 24x7 in half-hourly batches. "
        "RTGS: Real Time Gross Settlement — for transfers above Rs. 2 lakh, same day. "
        "UPI 123PAY: UPI for feature phones without internet. "
        "UPI Lite: For small transactions up to Rs. 500 offline. "
        "RuPay: Indian payment network for debit/credit cards issued by Indian banks."
    ),
    "tags": ["upi", "digital payment", "phonepe", "google pay", "paytm", "imps", "neft", "rtgs", "bhim", "rupay"]
},
{
    "id": "process_005",
    "category": "banking_process",
    "title": "Loan Against Property (LAP)",
    "content": (
        "Loan Against Property (LAP): Secured loan where residential/commercial property is pledged as collateral. "
        "Loan amount: Up to 60–70% of property's market value. "
        "Interest rate: 9.5%–14% p.a. Lower than personal loan, higher than home loan. "
        "Tenure: Up to 15 years. "
        "Use: Business expansion, working capital, medical expenses, education, debt consolidation. "
        "Documents: Property title deed, valuation report, KYC, income proof, property insurance. "
        "The original property documents are held by bank until full repayment. "
        "After full repayment, bank returns documents (discharge of mortgage). "
        "For self-employed: Business continuity proof, GST returns, ITR needed."
    ),
    "tags": ["lap", "loan against property", "mortgage loan", "property collateral", "secured loan", "business loan"]
},
{
    "id": "process_006",
    "category": "banking_process",
    "title": "Fixed Deposit (FD) and Recurring Deposit (RD)",
    "content": (
        "Fixed Deposit (FD): Lump sum deposited for a fixed period at a fixed interest rate. "
        "FD tenures: 7 days to 10 years. "
        "Interest rates: 5.5%–8.5% p.a. depending on bank and tenure. Senior citizens get 0.25–0.5% extra. "
        "TDS: Tax deducted at source on FD interest above Rs. 40,000/year (Rs. 50,000 for seniors). "
        "Loan against FD: 90% of FD amount at 1–2% above FD rate. Quick liquidity without breaking FD. "
        "Premature withdrawal: Allowed with penalty of 0.5–1%. "
        ""
        "Recurring Deposit (RD): Fixed amount deposited monthly for fixed tenure. "
        "RD tenures: 6 months to 10 years. "
        "Good for disciplined savers. Interest rates similar to FD. "
        ""
        "Tax-Saving FD: 5-year lock-in. Up to Rs. 1.5 lakh deductible under Section 80C."
    ),
    "tags": ["fixed deposit", "fd", "recurring deposit", "rd", "savings", "investment", "tax saving fd", "senior citizen"]
},

# ─────────────────────────────────────────────
# SECTION 7: CONSUMER RIGHTS & GRIEVANCE
# ─────────────────────────────────────────────
{
    "id": "rights_001",
    "category": "consumer_rights",
    "title": "Banking Ombudsman and Grievance Redressal",
    "content": (
        "RBI Integrated Ombudsman Scheme (RBI IOS): Free, expeditious grievance redressal for bank customers. "
        "Covers: Banks, NBFCs (deposit-taking and credit card), payment system operators, digital payment participants. "
        "How to file: "
        "Step 1: First complain to the bank's official complaint channel. Wait 30 days. "
        "Step 2: If no response or unsatisfactory response, file complaint at cms.rbi.org.in or call 14448. "
        "Eligible complaints: ATM failure, unauthorized transactions, loan-related issues, mis-selling, excessive charges. "
        "Award limit: Up to Rs. 20 lakh. "
        "Complaints must be filed within 1 year of grievance. "
        "Other channels: SEBI SCORES (for investment grievances), IRDAI Bima Bharosa (insurance), NPCI for UPI issues."
    ),
    "tags": ["ombudsman", "banking grievance", "rbi complaint", "customer rights", "cms rbi", "complaint"]
},
{
    "id": "rights_002",
    "category": "consumer_rights",
    "title": "Fair Lending Practices and Borrower Rights",
    "content": (
        "RBI guidelines on fair lending practices: "
        "Banks must give a sanction letter with all terms before disbursement. "
        "Loan agreement must be in a language understood by the borrower. "
        "Banks cannot demand unauthorized collateral or charge undisclosed fees. "
        "Reset of interest rate: On floating rate loans, banks must reset the rate periodically. "
        "Recovery agent rules: Banks can use recovery agents but must give prior notice, agents cannot use abusive or illegal tactics. "
        "SARFAESI Act: Banks can take possession of secured assets after 60-day notice for NPA accounts, through DRT (Debt Recovery Tribunal). "
        "Borrower can contest in court if proper process not followed. "
        "Right to receive NOC (No Objection Certificate) and original documents within 30 days of full repayment."
    ),
    "tags": ["fair lending", "borrower rights", "rbi guidelines", "recovery agent", "sarfaesi", "noc", "loan agreement"]
},
]


def get_all_documents():
    """Return all knowledge base documents."""
    return KNOWLEDGE_BASE


def get_by_category(category: str):
    """Filter documents by category."""
    return [doc for doc in KNOWLEDGE_BASE if doc["category"] == category]


def get_categories():
    """List all unique categories."""
    return list(set(doc["category"] for doc in KNOWLEDGE_BASE))


def get_document_texts():
    """Return list of (id, full_text) tuples for embedding."""
    return [
        (doc["id"], f"{doc['title']}\n{doc['content']}")
        for doc in KNOWLEDGE_BASE
    ]