Vendor Onboarding KYC Checklist (India)

You are setting up a new Indian vendor in your books. Produce two outputs.

## Inputs
- Buyer (your company): {{buyer_name}}
- Buyer GSTIN: {{buyer_gstin}}
- Vendor proposed name: {{vendor_name}}
- Vendor contact person + email: {{vendor_contact}}
- Estimated annual spend (₹): {{annual_spend}}
- Risk tier: {{risk_tier}}

## Output 1 — KYC checklist (markdown table)
Columns: Document | Required? | Notes
Include rows for: PAN (mandatory), GSTIN certificate (mandatory if vendor crosses GST threshold or buyer wants ITC), MSME / Udyam registration (if vendor claims MSME — required for 45-day payment protection), Cancelled cheque or bank verification letter, Authorised signatory ID, Service agreement / PO acceptance, ESI/PF registration (if labour-supply vendor only), TDS lower-deduction certificate (if applicable), Bank account beneficiary name match check, Director/proprietor PAN match check.

Mark "Required?" based on {{risk_tier}} (low: minimum 4 docs; high: all docs).

## Output 2 — Request email to vendor
From buyer to {{vendor_contact}}. Polite, lists the docs from Output 1 that are marked Required, gives a turnaround (5 working days), explains why each matters in plain English ("GSTIN — so we can claim ITC against your invoices"; "Udyam — so we honour the 45-day payment rule"). Indian business etiquette: warm opening, no demanding tone.

Sign-off: from "Procurement Team, {{buyer_name}}".