For Financial Institutions

Connect Agricultural Credit to Agricultural Reality.

Digitise application, verification, monitoring, renewal and portfolio intelligence across agricultural lending — while keeping every regulated lending decision with the financial institution.

Talk to Our Institutional Team

app.krishi360.in/portfolio

KCC PortfolioLive

Active accounts2,84,410+4.6%

Utilisation verified96.2%+1.9%

Early-warning flags318−22%

Application #KC-88231Land & crop verified · rules passedApprove?

Renewal batch — Branch 12Season evidence attachedReady

Account 003-441Utilisation deviation detectedReview

Sanction remains with the bank

Stress surfaced 6 weeks before default

Technology, evidence, workflow and analytics from KRISHI360. Lending, insurance, certification and Government-benefit decisions remain with the authorised institutions.

The Context

Agricultural lending is a season-long relationship between the institution and the farm. KRISHI360 keeps that relationship visible — from application and verification to crop progress, renewal and portfolio health — so every decision rides on current evidence, and stress is found early, while it is still a crop problem rather than a credit problem.

Products

Origination

KCC Origination Workflow

From application to institutional approval — one governed workflow.

Application intake
Land and crop data
Documentation and verification
Configurable rules and routing
Institution approval — every step recorded

Monitoring

KCC Monitoring & Renewal

The season, visible from the branch.

Crop and account monitoring
Renewal readiness
Field intelligence and risk signals
Compliance evidence

PACS

PACS Digital Enablement

The last mile becomes a service point.

PACS workflow and case handling
User management
Field coordination
Audit history

Enterprise

Financial Institution Enterprise Platform

Enterprise integration, portfolio views, compliance packs.

CBS / API integration
Portfolio dashboards
Compliance reporting pack
Institution-level analytics

Early Warning

Agricultural Credit Early Warning

Find stress while it is still a crop problem, not a credit problem.

Portfolio risk signals
Crop-stress linkage
Lifecycle anomalies
Monitoring triggers with evidence attached

Regulatory boundary: credit appraisal, sanction, pricing, disbursement, recovery and all other regulated lending decisions remain solely with the participating regulated financial institution. KRISHI360 provides technology, evidence, workflow and analytics.

Commercials: participation is structured on usage-based service models — institutions pay for services received. Under applicable concession frameworks, ecosystem-funded rebate mechanisms are designed to reduce effective technology cost over time.