Maintenance and monitoring of solar photovoltaic (PV) systems are essential for enhancing reliability, extending lifespan, and maintaining efficiency. Some defects in PV cells cannot be detected through output measurements due to the string configuration of interconnected cells. Inspection methods such as thermal imaging, electroluminescence, and photoluminescence are commonly used for fault detection. Among these, thermal imaging is widely adopted for diagnosing PV modules due to its rapid procedure, affordability, and reliability in identifying defects. Similarly, current–voltage (I-V) curve analysis provides valuable insights into the electrical performance of solar cells, offering critical information on potential defects and operational inconsistencies. Different data types can be effectively managed and analyzed using artificial intelligence (AI) algorithms, enabling accurate predictions and automated processing. This paper presents the development of a machine learning algorithm utilizing transfer learning, with thermal imaging and I-V curves as dual and single inputs, to validate its effectiveness in detecting faults in PV cells at King Saud University, Riyadh. Findings demonstrate that integrating thermal images with I-V curve data significantly enhances defect detection by capturing both surface-level and performance-based information, achieving an accuracy and recall of more than 98% for both dual and single inputs. The approach reduces resource requirements while improving fault detection accuracy. With further development, this hybrid method holds the potential to provide a more comprehensive diagnostic solution, improving system performance assessments and enabling the adoption of proactive maintenance strategies, with promising prospects for large-scale solar plant implementation.