data/intents.json

{
  "intents": [
    {
      "tag": "greetings",
      "patterns": [
        "hi",
        "hello",
        "hey",
        "good morning",
        "good afternoon",
        "good evening",
        "is anyone there?",
        "hello central bank ai"
      ],
      "responses": [
        "Hello! Welcome to Central Bank AI. How can I assist you with your banking needs today?",
        "Hi there! I'm your Central Bank virtual assistant. What can I do for you?"
      ]
    },
    {
      "tag": "goodbye",
      "patterns": [
        "bye",
        "goodbye",
        "see you later",
        "thanks for the help",
        "thank you",
        "that's all"
      ],
      "responses": [
        "Thank you for choosing Central Bank. Have a great day!",
        "Goodbye! Feel free to reach out if you have more questions."
      ]
    },
    {
      "tag": "account_opening",
      "patterns": [
        "how to open account",
        "create new bank account",
        "open savings account",
        "steps to open account",
        "account opening procedure",
        "documents for account",
        "required documents",
        "what documents do i need"
      ],
      "responses": [
        "You can open a savings account online via our website or mobile app by providing your Aadhaar and PAN. Alternatively, visit any branch with your ID and address proof.",
        "To open an account, you will need a valid ID (Aadhaar/Passport), PAN card, and proof of residence."
      ]
    },
    {
      "tag": "balance_enquiry",
      "patterns": [
        "balance",
        "check balance",
        "check my balance",
        "what is my balance",
        "account balance",
        "how much money in my account",
        "view balance"
      ],
      "responses": [
        "Your current account balance is displayed on your dashboard. You can also check it via SMS banking or by calling our toll-free number.",
        "To view your balance, simply log in to your dashboard or use our mobile banking app."
      ]
    },
    {
      "tag": "fund_transfer",
      "patterns": [
        "transfer money",
        "send funds",
        "how to transfer money",
        "make a payment",
        "wire transfer",
        "neft rtgs imps"
      ],
      "responses": [
        "You can transfer funds via NEFT, RTGS, or IMPS through the 'Transfer Money' section in your dashboard.",
        "For instant transfers, use IMPS or UPI. For larger amounts, NEFT or RTGS are recommended."
      ]
    },
    {
      "tag": "debit_card",
      "patterns": [
        "debit card",
        "apply for debit card",
        "new debit card",
        "block debit card",
        "lost card"
      ],
      "responses": [
        "You can manage your debit card, including blocking it or requesting a new one, under the 'Cards' section of your dashboard.",
        "If your debit card is lost or stolen, please block it immediately via the app or call 1800-111-2222."
      ]
    },
    {
      "tag": "credit_card",
      "patterns": [
        "credit card",
        "apply for credit card",
        "credit card limit",
        "pay credit card bill",
        "credit card offers"
      ],
      "responses": [
        "Apply for various credit cards through our 'Cards' portal. You can also view your statements and pay bills there.",
        "Check your eligibility for a credit card increase in the 'Card Services' section."
      ]
    },
    {
      "tag": "atm_issues",
      "patterns": [
        "atm problem",
        "money not dispensed",
        "atm card stuck",
        "atm pin reset",
        "atm transaction failure"
      ],
      "responses": [
        "If cash was not dispensed but debited, it will usually be reversed within 24-48 hours. If not, please lodge a complaint in the app.",
        "You can reset your ATM PIN at any Central Bank ATM or via Internet Banking."
      ]
    },
    {
      "tag": "internet_banking",
      "patterns": [
        "internet banking",
        "net banking",
        "how to register for net banking",
        "net banking login issues"
      ],
      "responses": [
        "Register for Internet Banking online using your debit card and account details on our official website.",
        "Ensure you never share your Internet Banking password or OTP with anyone."
      ]
    },
    {
      "tag": "mobile_banking",
      "patterns": [
        "mobile banking",
        "banking app",
        "how to use app",
        "mobile app support"
      ],
      "responses": [
        "Download our official mobile banking app from the Play Store or App Store for secure on-the-go banking.",
        "Our mobile app allows you to manage accounts, pay bills, and transfer funds instantly."
      ]
    },
    {
      "tag": "loan_information",
      "patterns": [
        "loan",
        "personal loan",
        "home loan",
        "car loan",
        "loan eligibility",
        "apply for loan"
      ],
      "responses": [
        "We offer a range of loans including Home, Personal, and Education loans at competitive interest rates. Apply online via the 'Loans' tab.",
        "Check your loan eligibility and required documents in the 'Loan Center' section of your dashboard."
      ]
    },
    {
      "tag": "emi_calculation",
      "patterns": [
        "emi",
        "calculate emi",
        "loan calculator",
        "monthly installment"
      ],
      "responses": [
        "Use our EMI Calculator on the website to estimate your monthly installments based on loan amount, interest, and tenure.",
        "For a ₹10 lakh loan at 9% for 5 years, your approximate EMI would be around ₹20,758."
      ]
    },
    {
      "tag": "fixed_deposit",
      "patterns": [
        "fd",
        "fixed deposit",
        "fd interest rates",
        "open fd",
        "recurring deposit"
      ],
      "responses": [
        "Open a Fixed Deposit (FD) instantly via Net Banking. Current interest rates are up to 7.5% per annum.",
        "The minimum amount to open an FD is ₹5,000, and you can choose tenures from 7 days to 10 years."
      ]
    },
    {
      "tag": "kyc_update",
      "patterns": [
        "kyc",
        "update kyc",
        "kyc documents",
        "re-kyc"
      ],
      "responses": [
        "Update your KYC details by uploading self-attested documents like Aadhaar and PAN via our 'Profile' section.",
        "KYC updates are mandatory every few years. You can complete it digitally without visiting the branch."
      ]
    },
    {
      "tag": "password_reset",
      "patterns": [
        "reset password",
        "forgot password",
        "change login password",
        "password recovery"
      ],
      "responses": [
        "Reset your password using the 'Forgot Password' link on the login page. You'll need your registered email/mobile.",
        "For security, we recommend changing your banking password every 90 days."
      ]
    },
    {
      "tag": "upi_issues",
      "patterns": [
        "upi problem",
        "upi payment failed",
        "upi id",
        "wrong upi transfer"
      ],
      "responses": [
        "If a UPI transaction fails, the amount is usually refunded within 3-5 business days. Check the transaction status in your UPI app.",
        "You can create or manage your UPI ID in the 'Payments' section of our mobile app."
      ]
    },
    {
      "tag": "transaction_failure",
      "patterns": [
        "transaction failed",
        "payment declined",
        "failed payment",
        "money debited but not received"
      ],
      "responses": [
        "Payment failures can occur due to network issues or insufficient funds. Check your 'Transaction History' for details.",
        "If money was debited for a failed transaction, it will be automatically credited back within 48-72 hours."
      ]
    },
    {
      "tag": "charges_fees",
      "patterns": [
        "charges",
        "bank fees",
        "service charges",
        "minimum balance penalty",
        "transaction fees"
      ],
      "responses": [
        "View our full schedule of charges on the website under 'Rates and Services'.",
        "Maintain a minimum average balance of ₹10,000 to avoid non-maintenance charges."
      ]
    },
    {
      "tag": "cheque_book_request",
      "patterns": [
        "cheque book",
        "order cheque book",
        "stop cheque",
        "cheque status"
      ],
      "responses": [
        "You can request a new cheque book through the 'Services' tab. It will be delivered within 5 working days.",
        "To stop a cheque payment, log in to Net Banking and go to the Cheque Services section."
      ]
    },
    {
      "tag": "branch_locator",
      "patterns": [
        "find branch",
        "branch near me",
        "ifsc code",
        "bank address",
        "branch timing"
      ],
      "responses": [
        "Use the 'Branch Locator' on our website to find the nearest branch and its IFSC code.",
        "Our branches are typically open from 9:30 AM to 4:30 PM on weekdays."
      ]
    },
    {
      "tag": "interest_rates",
      "patterns": [
        "interest",
        "interest rates",
        "current interest rates",
        "savings interest",
        "loan interest"
      ],
      "responses": [
        "Our current savings account interest rate is 4.0% p.a., while Fixed Deposits offer up to 7.5% p.a. depending on the tenure.",
        "Interest rates vary by product. Savings accounts currently offer 4.0%, and personal loans start at 10.5% p.a."
      ]
    },
    {
      "tag": "customer_support",
      "patterns": [
        "customer care",
        "contact bank",
        "helpline",
        "support number",
        "email support",
        "call number",
        "helpline number",
        "support call no"
      ],
      "responses": [
        "Reach our 24/7 customer support at 1800-444-5555 or email us at customercare@centralbank.com.",
        "Our help desks at branches are available during business hours for in-person assistance."
      ]
    },
    {
      "tag": "fallback",
      "patterns": [],
      "responses": [
        "I'm sorry, I didn't quite understand that. Could you please rephrase your banking-related question?",
        "I'm not sure how to help with that. As a banking assistant, I can help you with accounts, loans, cards, and more. What would you like to know?"
      ]
    }
  ]
}