Intellectual Property India Publishes Patent Application for A System And Method For Credit Risk Scoring Of Farmer Microloans Using Land Record, Encumbrance And Yield Capacity Parameters

MUMBAI, India, Nov. 6 -- Intellectual Property India has published a patent application (202641127123 A) filed by Christ University on October 26, 2026, for A System And Method For Credit Risk Scoring Of Farmer Microloans Using Land Record, Encumbrance And Yield Capacity Parameters.

Inventors include Barath Kumaar T R; and Bhuvana Jayabalan.

The application for the patent was published on November 06, 2026, under issue no. 45/2026.

Abstract: A system and method for credit risk scoring of farmer microloans are disclosed. The system receives applicant identity and collateral or guarantor details, a land document issued by the Village Administrative Officer, land status showing any existing jewel loan, repayment records of the previous year...