MUMBAI, India, Aug. 10 -- Intellectual Property India has published a patent application (202621072444 A) filed by Symbiosis International Deemed University on June 09, 2026, for Ai-Based Financial Stress Analysis System And Method Using Hybrid Machine Learning.
Inventors include Kalyani Borkar; Parth Chaudhari; Zunaid Ansari; and Rajeshwar L Balla.
The application for the patent was published on July 31, 2026, under issue no. 31/2026.
Abstract: ABSTRACT AI-BASED FINANCIAL STRESS ANALYSIS SYSTEM AND METHOD USING HYBRID MACHINE LEARNING The present invention discloses an AI-based financial stress analysis system (100) and method for computing a quantitative financial stress score for an individual. The system (100) comprises a web- based user interface (150) for receiving financial input parameters including monthly income, monthly expenses, total equated monthly installments, and current savings; a data validation and preprocessing module (110) for validating and normalizing the received inputs; a rule-based stress calculation engine (120) for computing a deterministic stress score using weighted financial ratios including expense-to-income ratio, EMI burden ratio, and savings adequacy factor; a trained Random Forest Regressor machine learning model (130) for generating a predicted stress score by processing the validated financial features through an ensemble of decision trees; and a result visualization and display module (160) for classifying the score into Low Risk, Moderate Risk, or High Risk categories. [
Disclaimer: Curated by HT Syndication.
