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Who we are
AgriFinance India is operated by Baidehi Ravanari Atelier, Rajkot, Gujarat. We connect farmers, FPOs and agri-traders with regulated lenders who lend against stored crop. We are not a lender ourselves.
We are not a lender. Every credit decision rests with the partner bank or NBFC.Why we started with potato
Uttar Pradesh alone holds more than 2,200 cold stores, almost entirely potato, and very few are WDRA-registered. It is the largest single pocket of stored agricultural value in India sitting outside the system that would let it be borrowed against — and it is the corner of this market we know personally, store by store.
Starting where you have real knowledge rather than where the market is largest is a slower way to build. It is also the only way to tell a farmer something true about his particular store rather than something general about the sector.
How we are paid
The partner lender pays us for introducing applications worth their time. You pay nothing, at any stage. We think it is worth saying that plainly, because a great deal of harm in rural credit is done by people who take a fee up front and deliver nothing.
It also explains why we tell people early when the answer is no. An application that cannot be funded is worth nothing to the lender and less than nothing to you, so there is no incentive anywhere in the arrangement to keep you hopeful.
Check what you qualify for
Three minutes, and we tell you honestly if it is a no.