A continuous, evidence-led lifecycle for agricultural finance and governance
The KRISHI360 Lifecycle
Farmer & Identity Management
Verified Farmer Profiles
Create and maintain a single, persistent farmer profile across seasons, loans, and government programs.
- Digital onboarding and identity validation
- Consistent farmer records across institutions
- Reduced duplication and manual reconciliation
Land & Crop Intelligence
Land Parcel Digitisation
Map verified land parcels to farmers using official land records and spatial validation.
- GIS-based parcel mapping
- Geo-fencing and boundary verification
- Support for ownership and tenancy models
Crop Declaration & Season Mapping
Capture crop details aligned to season, geography, and landholding.
- Crop and season tagging
- Historical cropping visibility
- Foundation for lending and insurance decisions
Credit & Lending Automation
Rule-Based Loan Decisioning
Apply institutional lending policies consistently using configurable rule engines.
- Policy-aligned eligibility checks
- Uniform sanction logic across branches
- Reduced subjectivity in credit decisions
Automated Loan Evaluation
Evaluate loan limits, tenure, and conditions based on verified land, crop, and policy inputs.
- Scale of finance alignment
- Transparent decision logic
- Faster processing with governance intact
Crop Monitoring & Field Verification
Satellite-Based Crop Monitoring
Continuously observe crop health and progress across the cultivation cycle.
- Season-long crop visibility
- Early identification of stress or deviation
- Objective, time-series crop intelligence
Drone & Field Verification
Support targeted, on-ground validation where required.
- High-resolution field verification
- Crop damage and anomaly assessment
- Evidence generation for claims and audits
Mobile Field Applications
Enable field officers to capture geo-tagged observations efficiently.
- Photo and video capture
- Offline data collection
- Structured inspection reporting
Financial Monitoring & Risk Control
Transaction & Utilisation Monitoring
Track post-disbursement transactions against expected crop and loan parameters.
- Spending pattern analysis
- Early identification of anomalies
- Support for proactive risk management
Early Warning Signals
Identify risk indicators before stress escalates.
- Crop-finance mismatch alerts
- Behavioural and seasonal risk signals
- Timely intervention support
Insurance & Government Program Enablement
Crop Insurance Support
Provide verified, evidence-backed inputs for insurance assessment and settlement.
- Acreage and crop validation
- In-season and historical evidence
- Reduced disputes and faster assessments
Loan Waiver & Relief Programs
Support transparent execution of waivers and relief schemes.
- Eligibility validation
- Beneficiary verification
- Audit-ready program records
Harvest, Market & Renewal Intelligence
Harvest & Outcome Tracking
Record crop outcomes and harvest timelines linked to original loan and crop profiles.
- End-to-end lifecycle closure
- Improved repayment visibility
- Stronger future credit decisions
Renewal & Closure Support
Use verified historical data to support renewal, restructuring, or closure decisions.
- Data-backed continuity
- Reduced re-verification effort
- Consistent decision history
Dashboards & Decision Views
Role-Based Dashboards
Provide stakeholders with relevant, real-time visibility.
- Bank dashboards for exposure and risk
- Government dashboards for program execution
- Farmer views for loan and scheme status