MUMBAI, India, Jan. 2 -- Intellectual Property India has published a patent application (202541123415 A) filed by Mohan Kumar Sonne Gowda, Bengaluru, Karnataka, on Dec. 8, 2025, for 'ai-powered predictive validation system for real-time loan book compliance assessment.'
Inventor(s) include Mohan Kumar Sonne Gowda.
The application for the patent was published on Jan. 2, under issue no. 01/2026.
According to the abstract released by the Intellectual Property India: "The invention AI-Powered Predictive Validation System for Real-Time Loan Book Compliance Assessment, is designed to enhance financial oversight and regulatory adherence through intelligent automation. This system leverages advanced machine learning algorithms to continuously monitor loan portfolios, identifying deviations from compliance standards in real time. The AI model forecasts possible violations by examining the historical lending data, patterns of transaction, risk indicators, internal policies and guidelines along with external regulations and guidelines to alert the financial institutions early enough.The system integrates predictive analytics with rule-based validation to ensure both regulatory accuracy and operational efficiency. Its real-time processing capability enables proactive decision-making, reducing manual intervention and minimizing the risk of noncompliance penalties. Additionally, adaptive learning mechanisms refine the model's accuracy as new data emerges, ensuring consistent alignment with evolving regulatory frameworks. Overall, the proposed system strengthens governance, improves transparency, and supports sustainable financial management."
Disclaimer: Curated by HT Syndication.
