India's First Bank-Grade Standard for Patent Value.
Artha isn't just a tool, it's a financial bridge. In under 30 minutes, we transform any granted Indian patent into an audit-ready credit score. No analyst bias, no 6-week delays, just precise, defensible math designed for the rigors of modern banking and enterprise.
Request Access →Patent valuation is the missing
link in India's credit stack.
Banks, law firms, MSMEs, and enterprises all need to know what a patent is worth but until Artha, there was no reliable, fast, or cost-effective way to find out.
Unlocks Debt Financing for Patent Holders
India's RBI NFB Directions 2025 now permit IP-backed lending. Artha gives patent holders, MSMEs, startups, researchers, a standardized, defensible valuation report that banks can accept as collateral documentation. For the first time, a patent can function like property in a loan application.
Enables Banks to Lend with Confidence
Banks have historically rejected IP-backed loans due to valuation uncertainty. Artha provides a P10/P50/P90 probabilistic output the same statistical framework used in Basel III property risk modeling so credit officers have a defensible basis to approve, price, and provision IP-collateralized loans.
Supports Licensing & IP Monetization
For enterprises licensing or selling patents, entering negotiations without price discovery is a significant commercial risk. Artha establishes a fair market value before any commercial discussion begins giving IP owners an anchor and IP buyers an independent verification mechanism.
Streamlines IP Due Diligence for M&A
In mergers, acquisitions, and investment rounds where a company's IP portfolio constitutes a material asset, Artha delivers standardized portfolio-level valuations at a fraction of the cost and time of manual assessments.
Delivers a Standardized National Benchmark
India has never had a standardized patent valuation methodology every consultant used different assumptions, making comparison across institutions impossible. Artha establishes a repeatable, algorithmic benchmark that any bank, regulator, or court can reference with confidence.
Reduces Valuation Time from Weeks to Minutes
Manual valuations take 3–6 weeks and cost ₹3L–₹10L per report. Artha delivers a complete, regulatory-grade valuation in under 30 minutes at ₹50K–₹3L making patent valuation economically viable for the first time at scale across India's 2,28,402 active patents.
Built for every stakeholder
in the IP ecosystem.
Every participant in India's patent value chain has a distinct, unsolved need that Artha addresses directly.
Banks & NBFCs
The primary institutional buyer. Required by RBI NFB 2025 to value IP before accepting it as collateral. Currently have zero internal tooling. Artha integrates directly into their credit appraisal workflow as an API functioning like a CIBIL score query for IP.
Credit appraisal · Loan book risk assessment · Regulatory audit prep · NPA provisioning
IP Law Firms
High-frequency users. Routinely advise clients on patent strategy, licensing negotiations, and infringement disputes all of which require fair market value. Today they outsource this to expensive consultants or skip it entirely. Artha becomes their in-house valuation desk.
Client advisory · Licensing negotiations · Patent litigation support · Portfolio audits
MSMEs & Deep-Tech Startups
The most underserved segment. Many hold genuinely valuable patents but cannot afford ₹3L–₹10L valuation reports. Artha gives them a bankable asset report at 1/10th the cost enabling them to approach banks and investors with credible IP valuations for the first time.
Bank loan collateral · Investor due diligence · Grant applications · IP-backed MSME credit
Enterprise R&D & Corporate Strategy
Large corporations with active patent portfolios require regular valuation for financial reporting, licensing revenue optimization, and acquisition due diligence. Artha enables portfolio-wide valuations at institutional scale.
Portfolio management · M&A due diligence · Financial reporting · IP licensing optimization
Research Institutions & IITs / NIT
India's research ecosystem files thousands of patents annually that sit unlicensed. Technology transfer offices at IITs, IISc, CSIR, and NITs need reliable valuations to price licenses credibly, attract commercial partners, and demonstrate societal ROI.
Technology transfer pricing · Licensing negotiation · Patent commercialization · Industry partnerships
Investors | PE, VC & Family Offices
When evaluating deep-tech companies, IP portfolio quality is a material factor that most investors cannot reliably assess. Artha provides an independent, auditable patent health score that integrates cleanly into investment memos.
Due diligence · Portfolio company IP assessment · Exit valuation · Secondary market transactions
Four-step process.
Zero subjectivity.
Artha applies professional-grade valuation logic to patents. Systematically, reproducibly, and at scale.
Automated Data Collection
Submit any granted Indian patent number. Artha automatically queries IPO InPASS for legal status, EPO OPS and WIPO PatentScope for international family breadth, KtMine for comparable licensing transactions, Lens.org for forward citation strength, and RBI DBIE + NSE/BSE for macroeconomic benchmarks.
Multi-Method Valuation Engine
Three internationally recognized valuation approaches (Cost, Market, and Income) are computed simultaneously using live data. These are the same approaches mandated by IVSC IVS 210 and recognized by the RBI.
Probabilistic Monte Carlo Output
10,000 Monte Carlo simulation runs across statistically calibrated stochastic inputs produce a full value distribution. P10 (Basel III stress floor), P50 (fair market value), and P90 (upside scenario) are delivered.
Bank-Grade Deliverable
Output includes a full audit-ready PDF report, API JSON output for system integration, a Patent Health Score (0–100) with letter grade (AAA–C), and full source documentation for every input value.
How stakeholders use
Artha in practice.
The only bankable solution.
| Dimension | Manual Consultants | Global Tools (Patsnap) | Squirrel IP |
|---|---|---|---|
| RBI / ULI Integration | ✗ Manual / Analogue | ✗ Built for US/EU | ✓ Native |
| Basel III Credit Scoring | ✗ Not Standardized | ✗ No Banking Fit | ✓ Full CRE22 Alignment |
| Turnaround Time | 3–6 Weeks | Days (Non-compliant) | <30 Minutes |
| Cost per Valuation | ₹3L – ₹10L | ₹25L+ (Enterprise) | ₹50K – ₹3L |
| Valuation Method | Subjective / Human | US Litigation Data Only | Dynamic Triangulation |
| P10/P50/P90 Output | ✗ | ✗ | ✓ Monte Carlo 10,000 runs |
| Audit Trail | ✗ | ✗ | ✓ 100% reproducible |