International Journal on Science and Technology

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Loan Analytics and Planning Application using AI

Author(s) Ms. ISWARYA S, Ms. AASHA K, Ms. ABARNA S, Dr. SENTHIL KUMARAN G
Country India
Abstract The Loan Analytics and Planning Application is a full-stack web application designed to assist financial institutions and individual users in analyzing loan application data using artificial intelligence. The system enables users to upload CSV files containing loan application records,which are then processed through an automated Databricks pipeline for AI-powered loan decision-making. The application provides a comprehensive analytics dashboard featuring key performance indicators (KPIs), interactive charts, and detailed data tables that present insights into loan approvals, rejections, and applicant demographics.The frontend of the application is developed using React.js with modern UI libraries including Ant Design and Material UI, providing responsive and intuitive user interface. The backend is built with Python Fast API,offering RESTful API endpoints for authentication, data retrieval, file upload, and AI-powered analysis. The system leverages Databricks as the primary data warehouse and compute engine for processing loan applications on a scale. For intelligent loan analysis, the application integrates the Groq AI API with the Llama 3.3 70B model to provide personalized improvement suggestions for rejected loan applicants,
including CIBIL score improvement strategies, debt-to-income ratio recommendations, and optimal reapplication timelines.
Keywords Loan Analytics, Artificial Intelligence, React.js, Fast API, Databricks, Groq AI, Dashboard, Financial Technology, Machine Learning, Data Visualization
Field Computer > Artificial Intelligence / Simulation / Virtual Reality
Published In Volume 17, Issue 2, April-June 2026
Published On 2026-04-20
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