Intellectual Property India Publishes Patent Application for 'Automated Credit-Risk Assessment Engine Using Dynamic Financial Indicators' Filed by Prof. Sidharth Jain; Dr. Piyush Kumar; Prof. Prabhat Kumar; Prof. Nitin Kumar Agarwal; and Dr. Bhuvnesh Kumar

MUMBAI, India, Jan. 9 -- Intellectual Property India has published a patent application (202511114687 A) filed by Prof. Sidharth Jain; Dr. Piyush Kumar; Prof. Prabhat Kumar; Prof. Nitin Kumar Agarwal; and Dr. Bhuvnesh Kumar, Aligarh, Uttar Pradesh, on Nov. 20, 2025, for 'automated credit-risk assessment engine using dynamic financial indicators.'

Inventor(s) include Prof. Sidharth Jain; Dr. Piyush Kumar; Prof. Prabhat Kumar; Prof. Nitin Kumar Agarwal; and Dr. Bhuvnesh Kumar.

The application for the patent was published on Jan. 9, under issue no. 02/2026.

According to the abstract released by the Intellectual Property India: "The invention relates to an automated credit-risk assessment engine and associated method that utilizes dynamic fi...