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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) :

  • Either use sub-quality agri inputs resulting in lower yields; or 

  • 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

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We operate on an innovative panchayat level “Community commerce & Financing Model” through our field officers on the ground who onboard 200-400 farmers by forming farmer groups of 8-16, each led by a group leader.

Enrolled farmers receive the best quality agricultural inputs on credit. They pay back the amount in installments throughout the season. Once agri-inputs are delivered, our field officers through our tech stack impart training on research-backed agri-practices. Expert advice at each stage helps farmers increase their productivity and direct touch with farmers through our field officers helps us in developing a long-lasting relationship with farmers. We have 85%+ repeat clients. 


We are currently working to close the whole loop by enabling our farmer network to sell their produce directly to Agri produce buying companies through us.