eTamil.in A FinTech DSL

Research

Research behind eTamil

The published paper, the literature survey, and the domain notes on Indian taxation, accounting standards and Tamil script that shaped the language.

eTamil is the subject of doctoral research in the Department of Computer Applications, School of Computer Information and Mathematical Sciences, B.S. Abdur Rahman Crescent Institute of Science and Technology, Vandalur, Chennai.

The paper

Developing an Indian DSL (Programming Language) for Accounts, Commerce, Finance, and Fintech Professionals

Mohammed Maruff, PhD Scholar, Department of Computer Applications Dr. S. P. Valli, Associate Professor, Department of Computer Science and Engineering B.S. Abdur Rahman Crescent Institute of Science and Technology, Chennai — 600048

Read the paper (PDF)

Abstract

This paper proposes eTamil, a novel domain-specific language (DSL) tailored for India’s financial sector. It addresses the limitations of general-purpose languages by embedding Indian tax and banking regulations. The language features bilingual keywords in Tamil and Latin transliteration, aiming to democratize fintech development. Built with Rust and LLVM, eTamil offers a secure, high-performance solution for automation and compliance.

Keywords — Domain-Specific Language, eTamil, Fintech, India, Tamil, GST, ITR, RBI, UPI, ULI, Rust, LLVM, Blockchain

Method

A narrative literature review across 28 academic and industrial sources from 2003–2025, found through Google Scholar, IEEE Xplore and official regulatory archives. Sources were selected for relevance to DSL development, financial technology architecture, Indian regulatory architecture and language localization, then compared thematically for domain fit, regulatory extent and technical achievability. The review is organised in five strands: DSL theory, Indian finance, multilingual programming, compiler design, and blockchain in finance.

The argument

The gap

General-purpose languages such as Python and Java are flexible, but Indian financial work — GST reconciliation, ITR calculation, RBI compliance — takes a great deal of specialised code to express in them. That produces inconsistent, buggy and non-compliant implementations. They also have no built-in support for Indian languages, which limits who can write and review the rules.

Existing financial DSLs prove the value of the approach but serve other jurisdictions: Murex and OpenGamma for risk and pricing, FpML for European regulatory reporting, DAML for smart-contract ledgers, OpenFisca for tax modelling, Ledger CLI for accounting, ABAP for SAP. None address Indian regulation.

Indian-language programming projects — Ezhil, Niral, Bhailang, and the Tamil educational platform Swaram — demonstrate feasibility, but are experimental or pedagogical, without the compiler maturity and cross-platform support that industry use requires.

What a financial DSL for India must do

Design philosophy

The paper sets out five principles: domain-centric abstractions, linguistic accessibility, regulatory awareness, full-stack capabilities, and modern infrastructure (Rust and LLVM — memory safety without a garbage collector, a type system able to carry domain constraints, and a backend giving cross-platform portability to Linux, Windows and WebAssembly).

On accessibility, it grounds the case in evidence that native-language interfaces improve learning and usability in technical fields, and in NEP 2020, which gives preference to regional languages in higher education.

Paper versus code. The paper describes the full vision through Phase 5. The compiler is mid-Phase 1 — the core language exists, the GSTN/NPCI bindings, ITR and TDS templates and the Hyperledger integration do not. The status page keeps that line explicit.

The five-phase roadmap

  1. Compiler and core language development
  2. Domain modules for accounting, taxation and banking
  3. Tooling, a REPL shell and database integration
  4. Pilot projects and open-source release
  5. Policy engagement with the MCA, RBI and GSTN

Cite this work

Maruff, M. and Valli, S. P. "Developing an Indian DSL (Programming Language)
for Accounts, Commerce, Finance, and Fintech Professionals."
B.S. Abdur Rahman Crescent Institute of Science and Technology, Chennai, 2025.

Research notes

Working notes gathered while designing the language — the domain reading behind its vocabulary, and the script work behind its romanization.

Indian taxation and accounting standards

Tamil script and romanization

Literature