We Develop for Future.

FarmGuide is a data-driven tech startup striving to bring all stakeholders in agriculture onto a digital platform, where their individual needs can be monitored, evaluated and addressed to better the future of farming in India

Farmer Credit Score

FarmGuide is developing a digital infrastructure of ISS for Government of India to initiate a nation-wide coverage of farmers which will integrate them with financial infrastructure.
Agri-tech Impact

Credit eligibility Index

The credit score is derived from farmer's profile, land usage pattern, irrigation facility and agro ecological zone along with market trends, weather and several other factors. This will make it easy for financial institutions, that have access to the farmer's profile on their dashboards, to identify credible farmers.

Performance Index

The farmers are also given performance score, which is calculated using farmer's cropping behaviour and his/her response to crop advisories. The credit score and performance score can further be used by banks and insurance companies to gauge the risk associated with providing loan to each farmer initiated small and medium enterprises.

E- KYC Boost

Through a centralised system, it is feasible to maintain digital footprints of financial status of a particular farmer. Earlier, due to agriculture being non taxable coupled with several problems such as non availability of digital KYC, lack of local infrastructure/banks, limited agriculture credit budget with respect to the requirement, has led to multiple duplicacy, redundancy, increased distress upon lenders to check increasing NPAs in the short term credit lendings.

Loan waivers and NPAs

Due to agricultural income being non-taxable and unavailability of farm–level data, local bank branches find it difficult to monitor the end use of loan disbursed and recovery of loans. Banks see increase in NPAs in the agriculture sector and face a general worsening of credit culture at every loan waiver exercise by the government.

But, sufficing need for credit coverage in the sector is essential for small and marginal farmers, One way to improve the sector’s access to institutional finance is to encourage credit ratings by banks from farm credit rating agencies.

Boost to institutionalised credit

The system solution will boost institutional credit by making the loan availing process smoother and accessible to small and marginal farmers , which will help in delinking the farmers from non-institutional sources of credit, where they are compelled to borrow at usurious rates of interest.

  • L

    Lending Insititutes(User)

  • LCr.

    Agri-Credit Amount

  • L

    Per Farmer Short-Term
    Credit Amt(ISS)

  • %

    Interest rate

How is it helping stakeholders?

Insurance companies

Apart from understanding the credit risk associated for a particular farmer, this will also boost coverage by insurance companies. Since the crop insurance under Pradhan Mantri Fasal Bima Yojana (PMFBY) is linked to availing of institutional crop loans, the farmers would stand to benefit from both farmer oriented initiatives of the Government by accessing the crop loans.

Microfinance institutions

Micro financing is a frugal approach to address credit crunch in rural market. Through our centralised system, we plan to collaborate with microfinance institutions to find the thrust areas, enabling them to monitor premium collection and registration through our solutions. This will reduce the product designing cost and ensure credit availability as per the financial needs of each farmer.


We provide banks with an objective, independent and reliable opinion on credit quality of farmers. This serves as an additional input in the credit decision making process, assists in risk pricing and capital allocation and facilitate portfolio management and monitoring.

Agri SME

We are enabling prospective/existing lenders to negotiate better terms on the basis of credit rating, reducing the time involved in obtaining loan approvals. With this, the agri-SMEs can project a better image to prospective/existing trade partners, carry out self-evaluation and take timely and corrective measures for improvement.


Accessibility of government interest subsidy schemes and eligibility of credit schemes are major concern for the farmers. We aim to aware farmers about available options for credit offered by banks, cooperative societies and microfinance institutions. This, in the long run, would help farming community to be aware about institutionalised credit before opting for local lenders.


An independent evidence-based system and centralised credit monitoring system with details upto the farmer level is essential and will help in policy designing and supervision. This will reduce the inclusion/exclusion error with two-way communication about the policy impact.