Parser, Chunking, and Embedding Interactions in Retrieval-Augmented Generation over Indian Government Regulatory Documents

Retrieval-augmented generation (RAG) pipelines are typically assembled from independently-chosen components -- a document parser, a chunking strategy, and an embedding model -- yet these choices are rarely evaluated jointly, and evaluations that do combine them are usually run on a single document or corpus. We present a controlled factorial study of 3 parsers, 3 chunking strategies, and 5 dense embedding models, together with a sparse BM25 baseline, evaluated against 800 question instances, each with one or more required evidence strings, with evidence strings automatically validated against source text and a 10% random sample manually reviewed, across four structurally distinct Indian central-government regulatory documents. We fit linear mixed-effects models with document-query-level random intercepts to the resulting 72,000-row result set, run Holm-corrected paired comparisons between matched dense and sparse configurations, and report clustered bootstrap confidence intervals for all 54 unique retriever configurations. We find that no single retriever family dominates across documents; parser and chunker choice interact significantly; MPNet-base is a consistent underperformer with a severe failure mode on table-derived questions; and the corpus exhibits a near-saturated evidence-preservation ceiling above 98%, indicating that retrieval differences are driven primarily by ranking quality rather than information loss during ingestion. We additionally report embedding-dimension and chunk-size/overlap ablations and an efficiency/quality Pareto analysis. We release our full evaluation harness, corpus manifest, and 800-question benchmark.