fix(#64): preserve EXACT budget ₹ — slider shows what the user said

The annual-budget slider is continuous, but budget round-tripped
through a lossy 4-band enum: budgetBandToInr() could only ever return
12k/22k/45k/75k, so 'I don't want to spend more than 15000 a year' showed
as ₹12k. Added a lossless exact field end-to-end:
- needs_finder.Profile.budget_inr; brain_tools SLOT_UNION + _ACCEPTED_FIELDS
- save_profile_field: when budget_band is captured, also parse + store the
EXACT ₹ (numeric, or strip per-annum qualifiers then _parse_inr_amount —
same KI-161 guard _coerce_budget_band uses; verified '15000'/'₹15,000/yr'/
'15000 a year'/'more than 15000 a year'/'around 25k per year' → 15000/25000)
- main.py ProfileUpdateRequest + apply tuple accept budget_inr
- api.ts UserProfile (+nullable) gains budget_inr
- page.tsx: slider seeds from budget_inr ?? band-fallback; reseed effect
same; handleSave sends budget_inr (exact) alongside the derived
budget_band (pricing contract unchanged).

Band stays the pricing contract; budget_inr is the display truth.
Full pytest gate rc=0; frontend tsc/build green.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

backend/brain_tools.py

@@ -308,6 +308,7 @@ _ACCEPTED_FIELDS = {
     "health_conditions",
     "existing_cover_inr",
     "budget_band",
+    "budget_inr",  # #64 — exact ₹/yr; set as a side-effect of budget_band
     "desired_sum_insured_inr",  # SOFT capture (pricing input, post-recap)
     # Family-detail pricing inputs (B6) — already on the Profile dataclass
     # via needs_finder.Profile (parents_to_insure / parents_age_max /
@@ -454,6 +455,7 @@ SLOT_UNION: tuple[str, ...] = (
     "health_conditions",
     # Pricing slots (B5 + B6 additions)
     "budget_band",
+    "budget_inr",  # #64 — exact ₹/yr (lossless companion to budget_band)
     "desired_sum_insured_inr",
     "existing_cover_inr",
     # Family-detail slots (used by pricing if applicable)
@@ -611,6 +613,38 @@ def save_profile_field(session, field: str, value: Any) -> dict:
         }
 
     setattr(profile, fld, normalized)
+    # #64 — when the user states a budget, ALSO preserve the EXACT ₹ amount
+    # losslessly (not just the 4-bucket band) so the slider shows what they
+    # actually said ("₹15,000"), never a band representative ("₹12k"). The
+    # band stays the pricing contract; budget_inr is the display truth.
+    if fld == "budget_band":
+        try:
+            if isinstance(value, bool):
+                _exact = None
+            elif isinstance(value, (int, float)):
+                _exact = int(value)
+            else:
+                from backend.needs_finder import _parse_inr_amount as _pinr
+                import re as _re2
+                # Strip per-annum qualifiers FIRST — same KI-161 guard
+                # _coerce_budget_band handles, so "₹15,000/yr" / "15000 a
+                # year" / "more than 15000 a year" yield the exact ₹, not
+                # None (the parser otherwise reads "year" as age context).
+                _s = str(value)
+                _cleaned = _re2.sub(
+                    r"\b(?:per\s*(?:year|annum)|p\.?\s*a\.?|/\s*(?:yr|year|"
+                    r"annum)|a\s*year|annually|yearly|/\s*yr)\b",
+                    " ",
+                    _s,
+                    flags=_re2.IGNORECASE,
+                )
+                _exact = _pinr(_cleaned) or _pinr(_s)
+            if _exact and _exact > 0 and hasattr(profile, "budget_inr"):
+                profile.budget_inr = int(_exact)
+                if "budget_inr" not in getattr(profile, "asked", []):
+                    profile.asked.append("budget_inr")
+        except Exception:  # noqa: BLE001 — exact ₹ is best-effort; band still saved
+            pass
     # Track that the brain has "asked" this field so the rest of the
     # codebase's helpers (which inspect profile.asked) stay in sync.
     try:

backend/main.py

@@ -1918,6 +1918,7 @@ class ProfileUpdateRequest(BaseModel):
     parents_has_ped: Optional[bool] = None
     health_conditions: Optional[list[str]] = None
     budget_band: Optional[str] = None
+    budget_inr: Optional[int] = None  # #64 — exact ₹/yr from the slider
     # Collected by the profile-builder UI; also present on the Profile
     # dataclass + chat-path save_profile_field. Whitelisted here so
     # POST /api/profile accepts them.
@@ -2018,7 +2019,7 @@ async def profile_update(req: ProfileUpdateRequest):
         "name",  # KI-077 — accept name updates from the profile-builder UI
         "age", "dependents", "income_band", "existing_cover_inr", "primary_goal",
         "location_tier", "parents_to_insure", "parents_age_max", "parents_has_ped",
-        "health_conditions", "budget_band",
+        "health_conditions", "budget_band", "budget_inr",
         "desired_sum_insured_inr", "copay_pct", "family_medical_history", "smoker",
     ):
         v = getattr(req, field_name, None)

backend/needs_finder.py

@@ -38,6 +38,9 @@ class Profile:
     parents_age_max: Optional[int] = None  # if parents_to_insure
     parents_has_ped: Optional[bool] = None  # if parents_to_insure
     budget_band: Optional[str] = None  # "under_15k", "15k_30k", "30k_60k", "60k+"
+    budget_inr: Optional[int] = None  # #64 — EXACT ₹/yr the user stated/slid;
+    # preserved losslessly so the UI shows what they said (₹15,000), not a
+    # 4-band representative (₹12k). budget_band is still derived for pricing.
     desired_sum_insured_inr: Optional[int] = None  # SOFT pricing input (post-recap)
     health_conditions: Optional[list[str]] = field(default_factory=list)  # ["diabetes", "hypertension", ...]
     # D2 (2026-05-15) — co-pay tolerance + family medical history. Coupled

frontend/src/app/page.tsx

@@ -2350,7 +2350,12 @@ function ProfileBuilderPanel({
   // persisted: handleSave derives `budget_band` (the backend contract field)
   // from this number via budgetInrToBand so the profile save round-trips it.
   const [budgetInr, setBudgetInr] = useState<number | null>(
-    initialProfile.budget_band ? budgetBandToInr(initialProfile.budget_band) : null,
+    // #64 — prefer the EXACT ₹ the user stated/slid; only fall back to the
+    // lossy 4-band representative when no exact value was ever captured.
+    initialProfile.budget_inr ??
+      (initialProfile.budget_band
+        ? budgetBandToInr(initialProfile.budget_band)
+        : null),
   );
   const [income, setIncome] = useState<string>(initialProfile.income_band ?? "");
   const [city, setCity] = useState<string>(initialProfile.location_tier ?? "");
@@ -2378,7 +2383,14 @@ function ProfileBuilderPanel({
     if (initialProfile.name && !name) setName(initialProfile.name);
     if (initialProfile.age != null && age == null) setAge(initialProfile.age);
     if (initialProfile.dependents && dependents === "self") setDependents(initialProfile.dependents);
-    if (initialProfile.budget_band && budgetInr == null) setBudgetInr(budgetBandToInr(initialProfile.budget_band));
+    if (budgetInr == null) {
+      const _seed =
+        initialProfile.budget_inr ??
+        (initialProfile.budget_band
+          ? budgetBandToInr(initialProfile.budget_band)
+          : null);
+      if (_seed != null) setBudgetInr(_seed);
+    }
     if (initialProfile.income_band && !income) setIncome(initialProfile.income_band);
     if (initialProfile.location_tier && !city) setCity(initialProfile.location_tier);
     if (initialProfile.health_conditions?.length && !conditions.length) setConditions(initialProfile.health_conditions);
@@ -2433,6 +2445,9 @@ function ProfileBuilderPanel({
         // #47b — persist the numeric annual-premium budget by mapping it
         // onto the backend's documented `budget_band` contract field.
         budget_band: budgetInr != null ? budgetInrToBand(budgetInr) : undefined,
+        // #64 — also persist the EXACT ₹ so the slider round-trips to the
+        // precise value next load (not the band representative).
+        budget_inr: budgetInr ?? undefined,
         income_band: income || undefined,
         location_tier: city || undefined,
         health_conditions: conditions.length ? conditions : undefined,

frontend/src/lib/api.ts

@@ -284,6 +284,7 @@ export type BulkScorecardProfile = {
   location_tier?: string;
   income_band?: string;
   budget_band?: string;
+  budget_inr?: number | null;  // #64 — exact ₹/yr (lossless; UI prefers this)
   existing_cover_inr?: number;
   parents_to_insure?: boolean;
   parents_age_max?: number;
@@ -477,6 +478,7 @@ export type UserProfile = {
   parents_has_ped?: boolean | null;
   health_conditions?: string[] | null;
   budget_band?: string | null;
+  budget_inr?: number | null;  // #64 — exact ₹/yr (lossless; UI prefers this)
   // KI-258 (B5, 2026-05-15) — Desired sum insured slot. Backend's pricing
   // endpoint + retrieve_policies query both read this; frontend pre-fills
   // the PremiumCalculatorPanel SI slider from it when present.