Changelog

0.1.0

• Instrument maths: FD maturity (simple below 182 days, quarterly compounding above, exact broken periods), non-cumulative payouts, effective yield, T-bill price/yield, G-sec YTM with accrued interest, premature withdrawal.
• Tax engine: FY-wise accrual, TDS thresholds per issuer (senior, no-PAN, Form 15G/H), Section 80TTB, regime comparison.
• Optimizer (MILP) and equal-rung ladder generator with per-bank caps, DICGC limits, ratings and minimum amounts.
• Reinvestment simulation under flat / falling / rising rate scenarios.
• Holdings tracker: maturity calendar, alerts, FY interest and TDS statement, iCal export.
• CLI: plan, compare, holdings, calendar, calc fd|tbill|gsec.