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
Flexible repayment of credit given in kind (agri-inputs & services)
Quality agricultural inputs at best rates delivered at village level
Research-backed training on farming best practices and optimal use of inputs
Market access to sell agri-produce in a professional setup
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.