The Problem
Due to the absence of institutional sources of credit and lack of working capital at the time of sowing, a majority of smallholder farmers (125 mn out of total 145 mn farmers in India) :
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Either use sub-quality agri inputs resulting in lower yields; or
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End up taking credit from local moneylenders at extortionary rates resulting in a debt trap
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The Solution
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Financing
Flexible repayment of credit given in kind (agri-inputs & services)
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Distribution
Quality agricultural inputs at best rates delivered at village level
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Training
Research-backed training on farming best practices and optimal use of inputs
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Market Access
Market access to sell agri-produce in a professional setup
Upaz operate on an innovative panchayat level “Community commerce & Financing Model” through field officers, FPOs and other stakeholders.
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Recognizing the unique challenges faced by farmers, Upaz provides tailored solutions based on land size of the farmers. From seeds to financing, our platform is designed to meet the diverse needs of every farmer, ensuring they receive the best support for their agricultural journey.
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We believe in collaboration, and that's why we've adopted an asset-light model. We don’t trade or buy & sell. By partnering with agriculture input distributors, banks, and NBFCs, we ensure that our farmers receive the best quality inputs and financial support right at their doorstep through a simple land-size based subscription model. Our focus is on ensuring farmers get the best services and pricing through Upaz platform and fulfilment of those services through our last mile presence.