A continuous, evidence-led lifecycle for agricultural finance and governance
The KRISHI360 Lifecycle
1
Farmer Onboarding & Identity Creation
Farmers are onboarded through verified identity and demographic records.
This creates a single digital farmer profile that remains consistent across seasons, loans, and programs.
2
Land & Crop Verification
Land parcels are digitised and mapped to farmers using official land records and spatial validation. Crops are declared, season-tagged, and linked to verified land holdings.
This establishes a trusted foundation for all downstream decisions.
3
Loan Eligibility Assessment
Eligibility is assessed using predefined institutional policies.
Landholding, crop type, scale of finance, and compliance parameters are evaluated uniformly and transparently.
Decisions are rule-based, not discretionary.
4
Sanction & Disbursement
Approved loans are sanctioned in line with institutional policies.
Disbursement is linked directly to the verified farmer–land–crop profile, ensuring traceability from day one.
5
Continuous Crop Monitoring
Once crops are sown, monitoring does not stop. Crop health and progress are observed throughout the season using remote intelligence and field-level verification.
This enables early identification of stress, deviation, or risk.
6
Transaction & Utilisation Tracking
Post-disbursement transactions are continuously analysed. Spending patterns are checked against crop stage and eligibility norms to identify anomalies or diversion risks early.
This supports proactive portfolio risk management.
7
Insurance & Disaster Assessment
In the event of crop loss or natural disasters, assessment is supported by historical and in-season evidence. Damage verification is faster, more defensible, and consistent across regions.
This reduces disputes and delays in claim settlement.
8
Harvest & Revenue Linkage
Harvest timelines and crop outcomes are recorded and linked back to the original loan and crop profile.
This closes the loop between cultivation, income, and financial exposure.
9
Repayment Monitoring
Repayment behaviour is tracked against expected crop cycles and outcomes.
Early warning signals help institutions intervene before stress becomes default.
10
Renewal, Restructuring, or Closure
At the end of the cycle, the same verified history supports:
- Loan renewal
- Restructuring decisions
- Closure or transition to the next season
Each cycle strengthens the dataset for future decisions.