Intellectual Property India Publishes Patent Application for 'A System And Method For Explainable Credit Risk Analysis And Real-Time Loan Approval' Filed by Muthoot Pappachan Technologies

MUMBAI, India, July 11 -- Intellectual Property India has published a patent application (202541052732 A) filed by Muthoot Pappachan Technologies, Trivandrum, Kerala, on May 30, for 'a system and method for explainable credit risk analysis and real-time loan approval.'

Inventor(s) include Mr. Jayakrishnan P; and Dr. John Paul Martin.

The application for the patent was published on July 11, under issue no. 28/2025.

According to the abstract released by the Intellectual Property India: "The present invention generally relates to a system for explainable credit risk analysis and real-time loan approval using deep learning models. The system integrates structured and unstructured credit-related data from various sources, including transactio...