MUMBAI, India, May 1 -- Intellectual Property India has published a patent application (202621030970 A) filed by Dr. Surindersingh B Sethi; Smt. Nivritti James; Dr. Nutan Nana Thoke; Priti. S. Sawale; Dr. P. Sujatha; Jamsheer Khan K; Dr. Metilda Veronica Pais; Prof. A. R. Bochkari; Dr. Yogesh Shukla; and Thaya Madhavi, Chhatrapati Sambhajinagar, Maharashtra, on March 14, for 'financial sustainability monitoring system for microfinance institutions.'

Inventor(s) include Dr. Surindersingh B Sethi; Smt. Nivritti James; Dr. Nutan Nana Thoke; Priti. S. Sawale; Dr. P. Sujatha; Jamsheer Khan K; Dr. Metilda Veronica Pais; Prof. A. R. Bochkari; Dr. Yogesh Shukla; and Thaya Madhavi.

The application for the patent was published on May 1, under issue no. 18/2026.

According to the abstract released by the Intellectual Property India: "The present invention relates to a financial sustainability monitoring system designed for microfinance institutions to enhance financial stability, risk management, and institutional performance evaluation. The system integrates a financial data aggregation module that collects operational and financial data from multiple institutional sources including loan management systems and accounting platforms. A sustainability analytics engine processes the collected data to calculate key performance indicators such as operational self-sufficiency, financial self-sufficiency, portfolio at risk, profitability ratios, and capital adequacy metrics. The system further incorporates a predictive risk assessment module that utilizes statistical and machine learning models to forecast potential financial risks including borrower default probability and liquidity constraints. A visualization and reporting interface provides real time dashboards and analytical reports, while an automated alert and decision support module generates notifications and recommendations when sustainability indicators deviate from predefined thresholds, thereby enabling proactive financial management in microfinance institutions."

Disclaimer: Curated by HT Syndication.