add utils files

Summary

Added the utils module for the Government Scheme RTI Assistant. This module supports document ingestion, embedding generation, vector retrieval, RAG-based scheme answering, and RTI draft generation.

Changes Made

• Added embedder.py to initialize the HuggingFace embedding model.
• Added loader.py to read .txt scheme documents from the data folder, split them into chunks, and store embeddings in ChromaDB.
• Added retriever.py to retrieve relevant scheme information from ChromaDB and generate answers using Ollama.
• Added scheme metadata for PM-Kisan and Ayushman Bharat, including portal, office, and required documents.
• Added rti_generator.py to generate RTI application drafts in English and Telugu.
• Added __init__.py for the utils package.

Note

This commit also includes Python __pycache__ files and a small USER_MANUAL.md change adding naga. These may be removed in a cleanup commit if they were added accidentally.