MUMBAI, India, March 13 -- Intellectual Property India has published a patent application (202641024724 A) filed by Sr University, Warangal, Telangana, on March 2, for 'ai-driven smart loan origination system incorporating sustainability metrics for inclusive banking.'
Inventor(s) include Dr. S. Nagaraju; and Dr. Gurunadham Goli.
The application for the patent was published on March 13, under issue no. 11/2026.
According to the abstract released by the Intellectual Property India: "The present invention discloses an AI-Driven Smart Loan Origination System Incorporating Sustainability Metrics for Inclusive Banking. The system provides an intelligent, automated, and scalable framework for evaluating loan applications by integrating financial eligibility indicators with environmental, social, and governance (ESG) parameters and alternative inclusion data. The proposed system comprises a data acquisition module configured to collect structured and unstructured borrower information from banking systems, digital payment platforms, credit bureaus, government repositories, and sustainability disclosure sources. A preprocessing module validates, cleanses, and standardizes heterogeneous data to ensure analytical consistency.A sustainability evaluation engine computes ESG performance scores using sector-specific weighted metrics, while a financial eligibility engine assesses repayment capacity, liquidity position, income stability, and behavioral transaction patterns. A machine learning decision engine integrates financial, sustainability, and inclusion indicators to generate a composite smart eligibility score, predicted default probability, and optimized loan structuring recommendations.The system further includes a risk-tier classification module, automated workflow management, explainable AI mechanisms for transparent decision-making, and a regulatory compliance module to ensure adherence to inclusive banking mandates and green finance policies. By combining sustainability alignment with traditional credit risk modeling, the invention enhances financial inclusion, reduces bias in credit decisions, improves regulatory compliance, and promotes responsible and sustainable lending practices within digital banking ecosystems."
Disclaimer: Curated by HT Syndication.
