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Chickoo123/README.md

Hi, I'm Harshil Desai 👋

I build evidence-first tools that hold Indian finance to its own rules.

Fintech · public data · privacy-first web apps · applied AI with guardrails

GitHub followers Profile views


🚀 Featured projects

Check a loan offer against RBI's rules before you sign.

LoanLens: advertised APR 34.50% vs recomputed 94.22%

Recomputes the true APR from a loan's Key Facts Statement using RBI's method (it reproduces RBI's own worked example, 17.07%). It flags the malpractices RBI has named, such as interest charged before disbursal, advance EMIs with interest on the full amount, and illegal pre-payment charges, and each finding cites the circular it relies on.

JavaScript IRR / APR maths RBI regulation 18 test suites ▶ Live app

Find the bank charges you can get reversed.

PaisaTrail: ₹545 of ₹2,080 in charges can be challenged

Reads an Indian savings statement, matches every charge to its GST line, and tests it against RBI rules: minimum-balance penalties that pushed the balance negative, ATM fees within the free limit or above the ₹23 cap, online NEFT charges. Each claim shows the statement lines that prove it, and it drafts the dispute. Nothing leaves your browser.

JavaScript Statement parsing RBI regulation 13 test suites ▶ Live demo

Indian health-insurance data, explained without guesswork.

Open public-data explorer built on official IRDAI handbook tables. Every metric carries its source, year and formula. Missing data stays missing instead of being guessed. Automated monthly source checks open review issues.

Python pandas Playwright GitHub Actions ▶ Live site

📈 IPO Lab

Understand the issue. Research the issuer. Follow the proceeds.

Evidence-led IPO research platform that links SEBI/NSE/BSE offer documents to fundamentals and tracks how IPO proceeds were actually used, with page-level citations. Includes 27 learning modules and 6 interactive tools.

JavaScript Python validation JSON Schema ▶ Live site

🤖 RecoverX: an AI revenue-recovery agent with hard guardrails

An LLM reads customer replies to understand intent, then deterministic policy rules decide what happens: retry, payment link, follow-up, escalate or stop. Disputes, fraud and high-value cases can never be auto-actioned. On a 47-transaction benchmark, it matched rules-only recovery with lower automated exposure (48.8% vs 42.7% attempt success). It also keeps a full audit trail. Python Flask Groq LLM 13 safety tests

🧱 Data structures in C++

Repo What it shows
Booking-System- Generic ring-buffer queue. Fixed a wrap-around bug and a never-reusable-slot bug, each with a regression test.
Flight & Train booking Leak-free unique_ptr linked queue and stack with iterative teardown, safe for 1M+ nodes.

Both are built in CI with g++ and clang++ under -Werror, then tested again under AddressSanitizer and UBSan.


🧠 How I build

  • Evidence over vibes. Every number links to a source, a formula or a test. "Not available" beats a guess.
  • Privacy by construction. If a tool doesn't need your data on a server, it never sends it there.
  • AI with guardrails. Models interpret context; deterministic rules make the decisions that matter.
  • Ship it properly. CI on every push, CodeQL scanning, tests that pin real bugs, and live demos.

🛠️ Toolbox

JavaScript Python C++ pandas Flask Playwright GitHub Actions LLMs


Contribution snake Contribution snake

Open to internships and collaborations in fintech, data and applied AI. Open an issue on any repo to reach me.

Popular repositories Loading

  1. Booking-System- Booking-System- Public

    C++17 ring-buffer queue booking systems (hotel + tickets) with wrap-around bug fixes, unit + smoke tests, and ASan/UBSan CI.

    C++

  2. Flight-Ticket-booking-Queue-Implementation-using-Linked-List- Flight-Ticket-booking-Queue-Implementation-using-Linked-List- Public

    Leak-free C++17 linked-list queue (flight) and stack (train) booking systems with unique_ptr ownership, tests and ASan/UBSan CI.

    C++

  3. Gemini-API-Starter-Harshil-Desai Gemini-API-Starter-Harshil-Desai Public

    Forked from ifahimkhan/Gemini-API-Starter

    Java

  4. RecoverX RecoverX Public

    AI revenue-recovery agent: LLM intent classification routed through deterministic financial guardrails (dispute stop, fraud escalation, retry limits) with full audit trail.

    HTML

  5. BimaBrief BimaBrief Public

    Independent, open-source Indian health insurance data explorer using public IRDAI statistics. Explore state-wise premiums, claims paid, cashless trends and insurer metrics with transparent formulas…

    Python

  6. ipo-reality-lab ipo-reality-lab Public

    IPO Lab is an evidence-driven Indian IPO research and education platform connecting official SEBI, NSE and BSE disclosures with company fundamentals, offer-document analysis, interactive learning t…

    JavaScript