Samunnati

What Samunnati does

Samunnati Agri Value Chain Solutions Private Limited is an India-based agricultural value chain enabler founded in 2014 and headquartered in Chennai. Operating as a non-banking financial company (NBFC), it functions as an open agri-network that provides financial intermediation, trade facilitation, and advisory services to smallholder farmers, Farmer Producer Organizations (FPOs), and agri-enterprises. The company reports a footprint spanning 22 Indian states, 100+ agricultural value chains, 1,500+ FPOs, and 6 million+ farmer members, with a stated ambition to reach 1 in 4 Indian farming households by 2027. Its revenue model combines interest income from customized agricultural lending (input loans, procurement loans, member loans), transaction-based fees from digital commodity trade, and professional/advisory fees tied to its AMLA framework (Aggregation, Market Linkages, Advisory).

The core technology stack is a suite of interconnected digital platforms rather than a single application: FPO Next consolidates trade, finance, and advisory for FPOs; Trade Next handles digital commodity trade; Input and Output Marketplaces enable credit-enabled procurement and offtake with price transparency; the Credit Marketplace supports end-to-end loan journeys; and the Consumer Marketplace extends the chain to end buyers. Underpinning these are the proprietary FPO Grading and Assessment Tool and the FPO Digitization Platform, which capture farmer, farm, and FPO-level data used for creditworthiness evaluation and tailored interventions. The flagship financial product is BTST (Bill to Ship to Pay), a working-capital instrument that pays suppliers promptly on delivery verification while extending credit terms to buyers. Supporting programs include FPO Academy (training), Farmer Development Centres (one-stop physical stores), Samunnati Finance (the lending arm), Samunnati Foundation (community programs), Agri Elevate (ecosystem search platform), and Samaarambh (agri-startup engagement).

Samunnati's go-to-market combines enterprise field sales targeting FPOs and agri-enterprises with community-led distribution through its 1,500+ FPO network, supplemented by self-serve digital onboarding via the marketplace stack. Distribution includes co-lending partnerships with State Bank of India, strategic MoUs with NAFED, SFAC, Coromandel International, and Marico Innovation Foundation, and outreach events such as the FPO Conclave and hackathons with academic partners. Capital is sourced from 46 lender institutions spanning DFIs (Blue Earth Capital, FMO, US DFC), impact investors (IIX, Enabling Qapital, Symbiotics), banks (SBI, Federal Bank, Kotak, Karur Vysya), capital markets (BSE-listed Green Bond), and retail NCD platforms (Wintwealth). The company is led post-May 2026 by Managing Director & Group CEO Diwakar B R, with founder Anil Kumar SG as Non-Executive Chair and wholly-owned subsidiaries Samunnati Finance and Samunnati Foundation executing core lending and community-program mandates respectively.

Name

Samunnati

Legal name

Samunnati Agri Value Chain Solutions Private Limited

Website

https://samunnati.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

Samunnati is an India-based NBFC and agri value chain enabler that provides lending, trade facilitation, and advisory services to 1,500+ Farmer Producer Organizations, 6 million+ farmers, and agri-enterprises across 22 states via digital marketplaces and the BTST financing product.

Ownership category

akta.pro rank

Product category

Agricultural Value Chain Finance

akta.pro primary industry

Natural Resources — Farmland & Agriculture (FSAAAKAI)

akta.pro secondary industry

Farm Technology Enablement & Data Integration Advisory (FMIS/ERP, IoT, Decision Support) (AFACAJAG)

Keywords

• Agricultural value chain financing
• Farmer producer organizations
• Agricultural lending
• Agri commodity trading
• Rural financial services

Headquarters

HQ city

Chennai

HQ country

India

HQ region

Asia

Offices10 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Agricultural Lending: Samunnati provides customized financial solutions including input loans, procurement loans, and loans to farmer members of FPOs. Revenue generated through interest income on loans extended to agricultural value chain participants.
2. Trade Facilitation: Facilitation of agricultural commodity trade through digital marketplaces, enabling transactions between FPOs, farmers, and institutional buyers. Revenue from transaction fees and trade facilitation charges.
3. Advisory Services: Capacity building, institutional development training, and advisory services for FPOs and farmer collectives through the AMLA approach (Aggregation, Market Linkages, Advisory).

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Samunnati operates an agri value chain financing and trade facilitation network serving 1,500+ Farmer Producer Organizations (FPOs) and 6 million+ farmers across India. Its core offerings combine customized credit products (input loans, procurement loans, member loans, and the BTST working capital facility) with digital marketplaces (FPO Next, Trade Next, Input, Output, Credit, Consumer) that aggregate supply, demand, and finance. The AMLA framework (Aggregation, Market Linkages, Advisory) underpins FPO capacity building, advisory services, and market access, delivered through Samunnati Finance (NBFC) and supporting programs such as Samaarambh and Agri Elevate.

Product overview

Samunnati is an open agri-network platform that enables the entire agricultural value chain. The company operates a unified platform architecture consisting of multiple marketplaces (FPO Next, Trade Next, Input Marketplace, Output Marketplace, Credit Marketplace, Consumer Marketplace) that provide trade, finance, and advisory services to farmers, FPOs, and agri-enterprises. The core financial offerings include BTST (Bill to Ship to Pay) for working capital, customized loans for FPOs, and innovative funding products like Green Bonds. Supporting services include Trade Facilitations, Innovations, Strategic Partnerships, and Samunnati Foundation for community development. The company also operates specialized programs like FPO Academy, Farmer Development Centres, Agri Elevate ecosystem platform, and the Samaarambh startup incubator, alongside acquired brand Kamatan for logistics and supply chain solutions.

Differentiator

Problem solved

Functional benefit

Brands

• FPO Next: One platform offering every solution - Trade, finance, and advisory for FPOs. Create Your Digital HQ.
• Trade Next
• Input Marketplace
• Output Marketplace
• Credit Marketplace
• Consumer Marketplace
• Samunnati Foundation
• Samaarambh
• Agri Elevate
• Samunnati Finance

Products and services

• FPO Next One integrated digital platform providing Farmer Producer Organisations with trade, finance, and advisory services to manage their operations. Built for FPOs and farmer collectives seeking a single digital HQ.
• Trade Next All-digital trade facilitation platform that simplifies agricultural commodity trading between FPOs, farmers, and institutional buyers. Targeted at agri-enterprises and FPOs executing commodity transactions.
• Input Marketplace Online marketplace offering credit-enabled agricultural inputs to farmers and FPOs, providing access to seeds, fertilizers, crop protection, and other inputs.
• Output Marketplace Online marketplace providing farmers and FPOs with price transparency and market proximity to sell agricultural produce, with access to multiple institutional buyers.
• Credit Marketplace Digital credit marketplace enabling agricultural borrowers to apply for and receive loans, providing a seamless journey from loan application to disbursement with credit-enabled offerings.
• Consumer Marketplace Marketplace providing end consumers direct access to agricultural produce sourced from FPOs and farmers, emphasizing freshness and fair pricing direct from source.
• BTST (Bill to Ship to Pay) Financing Innovative financial product that bridges working capital gaps in agri-supply chains by facilitating prompt payment to suppliers upon shipment while offering credit terms to buyers. Enables sellers to conduct multiple transactions per month versus a single traditional 30-day cycle.
• Samunnati Financial Solutions Customized financial products for FPOs and agri-enterprises including input loans, procurement loans, working capital, and loans to farmer members of FPOs. Delivered via Samunnati Finance (NBFC arm).
• Trade Facilitations Trade facilitation services that connect FPOs, farmers, and agri-enterprises across the value chain, enabling smarter procurement, sales, and growth through structured trade workflows.
• Samunnati Finance Wholly-owned NBFC subsidiary providing credit-enabled financial solutions to FPOs, farmer collectives, and agri-enterprises. Mobilizes debt funding from 46+ institutional lenders and issued India's first agricultural NBFC Green Bond on BSE.
• Samaarambh Agri Startup Engagement Platform supporting the start-up ecosystem and innovations in the agriculture sector with mentoring, funding access, and go-to-market support through Samunnati's network.
• Agri Elevate Ecosystem platform and dedicated search engine for agricultural services, helping FPOs and agri-enterprises discover and access services that improve their businesses.
• Kamatan Acquired agri-logistics and supply chain company offering customized supply models and end-to-end digitization for farmers and FPOs serving some of the largest agri enterprises, food processors, and institutional buyers.
• FPO Grading and Assessment Tool In-house developed proprietary tool to assess and grade FPOs, enabling tailored interventions and creditworthiness evaluation for customized financial solutions. Recognized by CII with Best Innovative Kaizen in Quality Award (Strong Commitment Award) in 2021.

Quantifiable outcome

• Impacted 1 in 4 farming households target by 2027
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Coromandel InternationalcoreStrategic or Co-development Partner · 9 June 2026MoU to supply, promote, and distribute agri-inputs to FPOs across India. Combines Coromandel's expertise in crop nutrition and protection with Samunnati's extensive FPO network. Samunnati Finance may provide financial assistance to eligible FPOs for procuring Coromandel products.
• Vellore Institute of Technology (VIT)minorStrategic or Co-development Partner · 6 March 202624-hour hackathon collaboration focused on agricultural innovation, organized for International Women's Day
• Marico Innovation FoundationminorStrategic or Co-development Partner · 26 February 2026Implementation partner for pilot project in Uttar Pradesh targeting post-harvest losses among 1,000 farmers across 30 villages through technology solutions
• NAFED/FIFAcoreStrategic or Co-development Partner · 29 December 2021MoU to support FPOs through financing, on-boarding, business plan co-creation, training, digitization, and market linkages. FIFA is national association of 100+ producer organizations.
• SFACcoreStrategic or Co-development Partner · 22 September 20213-year partnership with Small Farmers Agribusiness Consortium to facilitate FPCs and beneficiaries to avail benefits of SFAC schemes including venture capital assistance, credit guarantee, and eNAM linkages
• eFresh Agribusiness SolutionsminorStrategic or Co-development Partner · 9 July 2021Partnership to set up Farmer Development Centres (FDCs) across the country. 72 FDCs established across 9 states as of 2021
• Nutrihub TBI (ICAR-IIMR)minorStrategic or Co-development PartnerWorkshop collaboration with millet-based startup cohort at ICAR-Indian Institute of Millets Research for technology business incubator support

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• DeHaat: DeHaat is an Indian full-stack agri platform offering inputs, advisory, financing, and market linkages to smallholders. Directly comparable to Samunnati in combining fintech with agri value chain enablement for FPOs and farmers, with similar target customers and geographic focus across India.
• Ninjacart: Ninjacart operates B2B agri-commodity supply chain and fintech solutions connecting farmers/FPOs with retailers and processors. Comparable to Samunnati's Trade Next marketplace, BTST financing model, and agri-enterprise financing, serving overlapping customer segments in Indian agriculture.
• Jai Kisan: Jai Kisan is an Indian agri-fintech providing credit, inputs, and market linkage services to farmers and rural businesses. Directly comparable to Samunnati's core NBFC lending to FPOs and agri-enterprises, with similar mission of financing underserved agricultural borrowers.
• AgroStar: AgroStar is an Indian agri-tech platform offering agri-input commerce, advisory, and credit to farmers. Overlaps with Samunnati's Input Marketplace and agri-input financing, with a comparable Indian smallholder target market.
• Arya.ag: Arya.ag is an Indian agri-commerce and fintech platform offering warehousing, financing, and market linkages to farmers and FPOs. Directly comparable to Samunnati's combination of commodity-backed financing, trade facilitation, and FPO-focused services.
• BigHaat: BigHaat is an Indian online agri-inputs marketplace serving farmers with seeds, crop protection, and nutrition. Comparable to Samunnati's Input Marketplace and the agri-input distribution partnership with Coromandel International.

Emerging players

• CropIn Technology: CropIn provides farm management and agri-intelligence software to agribusinesses and FPOs. Comparable to Samunnati's FPO Digitization Platform and FPO Grading Tool, though CropIn is more software/analytics-led versus Samunnati's financing-led model.
• Fasal: Fasal is an Indian precision agriculture startup offering IoT-based farm advisory to horticulture growers. An emerging adjacent player intersecting with Samunnati's climate-smart agriculture agenda and FPO digitization, but focused on a narrower crop segment.
• Clover Ventures: Clover Ventures is an Indian agri-tech platform focusing on fresh produce supply chain and farmer network management. Comparable to Samunnati's Output Marketplace and FPO-based aggregation model, though smaller in scale and more produce-category focused.

Broad incumbents

• ITC e-Choupal: ITC's e-Choupal is a large-scale Indian agri value chain initiative providing procurement, market access, and advisory to millions of farmers. A broad incumbent overlapping with Samunnati's market linkage and advisory functions, but as part of a much larger diversified agri-business portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/10200240
• Xx.com/Samunnati_VCF
• Facebookfacebook.com/samunnatifinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds19 records

Investors27 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Samunnati