Because India has one of the world’s fastest-growing economies, the Indian banking sector is essential to the country’s reform. The approval of home loans to customers is one of the crucial tasks carried out by Indian banks. The risk of loan repayment outside of the agreed-upon time frame can be reduced by accurately estimating the customer’s loan need. The majority of earlier studies on the development of banking lacked a methodical approach to analyze qualitative data. Even though the traditional multivariate statistically based factor analysis approach is a great way to categories data in qualitative analysis, the technique cannot be used without any statistical presumptions and additional information about the data. This study handles the banking attributes related to home loans using the Dominance-based Rough Set Approach (D-RSA). In order to categorize the customer’s attributes, this study suggests using a preference-based “if … then” decision rule. This rule can aid decision makers in understanding the risk factors associated with loan factors for a financial organization.

The Indian Railway Catering and Tourism Corporation (IRCTC) operates one of the most heavily utilized railway reservation systems globally, reflecting the central role of Indian Railways (IR) as an affordable and essential mode of transportation across the country. However, selecting an appropriate train remains a complex decision-making task for passengers, primarily due to the uncertainty surrounding ticket availability on preferred travel dates. To address this challenge, the present study proposes a hybrid decision support system designed to aid passengers in selecting optimal train options, particularly for tourism-related travel. This research employs a Dominance-Based Rough Set Approach (DRSA) within a Multi-Criteria Decision-Making (MCDM) framework to analyze preference-based data and extract interpretable decision rules in the form of “if...then” statements. These rules assist decision makers in evaluating multiple train-related criteria simultaneously. For comparative purposes, the Classical Rough Set Approach (CRSA) is also implemented to identify the relative advantages and limitations of both rough set methodologies in addressing train selection complexity. In addition, the study integrates machine learning techniques by utilizing two predictive models – Extreme Gradient Boosting (XGBoost) and Support Vector Machine Classifier (SVMC) – to estimate overall train ratings based on user preferences and historical data. Model performance is evaluated using standard classification metrics, including accuracy and precision. By combining MCDM techniques with machine learning algorithms, the proposed hybrid framework enhances the train reservation experience, enabling passengers to make informed, preference-aligned travel decisions through the Indian Railways reservation system.