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Author(s):

Yogesh M | Thirunavukarasu S | Srikaanthv K | Parameshwaran S
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Abstract:
SmartLend AI Is An AI-powered System Designed To Verify A Citizen’s Eligibility For Tamil Nadu Government Loan Schemes. It Uses Generative Artificial Intelligence (GenAI) To Analyze User Details And Compare Them With Official Eligibility Rules. Users Can Upload Their Personal And Financial Information, And The System Automatically Evaluates Their Qualification. If Found Ineligible, It Suggests Alternative Loan Schemes That Better Match The User’s Profile. The System Also Detects Fraudulent Applications And Misuse Attempts Using Intelligent Data Analysis. A Comprehensive Report Is Generated Highlighting Eligibility, Risks, And Possible Legal Issues. It Reduces Manual Workload And Prevents Corruption In Loan Distribution. By Integrating AI And Automation, SmartLend AI Guarantees Fair And Secure Access To Benefits. Overall, It Promotes Trust, Accountability, And Digital Governance In Financial Systems.