Kissandhan Agri Financial Services

Name

Kissandhan Agri Financial Services

Legal name

Kissandhan Agri Financial Services Private Limited

Website

https://kissandhan.com

Company type

Private

Founded year

1980

Operating status

Operating

Ownership category

akta.pro rank

Product category

Agricultural Lending

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD)

akta.pro secondary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

Keywords

• Agri commodity financing
• NBFC lending services
• Rural microfinance
• Farmer producer lending
• Invoice discounting supply chain

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Commodity Based Financing (CBF): Interest income from asset-backed loans against agricultural commodities (Barley, Cotton, Wheat, Soybean, etc.) to farmers, traders, processors, artias. Loan tenure 3-12 months, ticket size Rs 0.20 Cr to Rs 5 Cr.
2. NBFC-MFI On-Lending: Interest income from lending to NBFC-MFIs and NBFCs who on-lend to small-holder farmers for agri and allied activities. Tenure up to 24 months.
3. Business Correspondent (BC) Partnership Lending: Fees/interest from BC partnership lending through NBFC-MFIs/NBFCs, creating retail agri book. Loan ticket up to Rs 10 Crore, tenure up to 24 months.
4. FPO Lending: Interest income from input and output loans to Farmer Producer Organizations. Ticket size up to Rs 50 lakh, tenure up to 12 months.
5. Jansamridhi Micro LAP: Interest income from micro loan-against-property products for small farmers, self-employed individuals, and rural businesses. Loan amount Rs 2 Lac to Rs 25 Lac, tenure up to 10 years.
6. Invoice Discounting (Instacash): Interest income from supply chain finance for Agri MSMEs; daily-basis interest charge with no penalty on early repayment.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels7 records

Core offering

Kissandhan Agri Financial Services is an RBI-regulated Multi-Asset NBFC providing a diversified suite of agri-financing products including Commodity Based Financing (CBF) using agri commodities as collateral, NBFC-MFI on-lending, Business Correspondent (BC) partnership lending, lending to Farmer Producer Organisations (FPOs/FPCs), the Jansamridhi Micro LAP product, and the Instacash invoice discounting platform. The company operates across 14+ Indian states through 245 locations and a Business Correspondent partnership network, serving farmers, FPOs, agri traders, processors, artias, NBFC-MFIs, and agri MSMEs.

Product overview

Kissandhan Agri Financial Services (KAFS) is a Multi-Asset NBFC platform offering a portfolio of agri-financing products under a unified lending framework, organized around customer-centric business lending to Farmers, FPOs, Agri Traders, and SMEs. The core products include Commodity Based Financing (CBF), which uses agri commodities as collateral; Lending to NBFC-MFI for on-lending to small-holder farmers; Business Correspondent (BC) Partnership-Lending to extend reach into rural locations; Lending to Farmer Producer Organisations (FPOs/FPCs) for both input and output financing; the Jansamridhi Loan Micro LAP product for small farmers and rural businesses pledging property as collateral; the Invoice Discounting Facility branded as Instacash for supply chain finance; and a pipeline of Other Products including Term Loans, OD facilities, Farm Mechanisation lending, Impact Lending, and Input Dealer loans. The company is RBI-regulated and operates as a wholly-owned NBFC subsidiary of Sohan Lal Commodity Management (SLCM), with disbursed loans exceeding ₹35+ Billion impacting about half a million farmers/agri processors/agri traders across 14+ states in India.

Differentiator

Problem solved

Functional benefit

Brands

• Instacash: Invoice discounting platform (Instacash) introduced by Kissandhan for supply chain finance of sellers/vendors, providing immediate funds against invoices.
• Jansamridhi Loan

Products and services

• Commodity Based Financing (CBF) Commodity Based Financing (CBF) is a unique financing product where the underlying commodity is taken as collateral. Targets farmers, agri traders, agri processors, and artias, with loan tenure of 3 to 12 months and amounts from ₹0.20 crore to ₹5 crore. Financed commodities include Barley, Cottonseed, Bajra, Bengal Gram, Groundnut, Guar, Maize, Moth, Mentha, Mustard, Paddy, Soyabean, Sugar, Tur, Wheat, Lentil, Greengram, Blackgram, Rajma, Jowar, Castor, Cotton, Coriander, Cardamom and more.
• Lending to NBFC-MFI for On-Lending Designed for lending to NBFC-MFIs for on-lending to 'Small Holder Farmers' to enhance income levels through agriculture and allied activities. Loan tenure of 24 months, targeting NBFC-MFIs in a sector estimated to grow at 25-40 percent over the next few years, regulated by the Reserve Bank of India.
• Business Correspondent (BC) Partnership-Lending Lending through Business Correspondents (BCs) acting as agents of banks/FIs in remote locations to build the retail agri book. Targets NBFC-MFIs and NBFCs in the agri lending space, with up to 24 months tenure and loans up to ₹10 crore, focusing on income generation, agri-related activities, and creation of productive assets.
• Lending to Farmer Producer Organisation (FPOs) Provides both Input and Output loans to FPOs/FPCs (Farmer Producer Organisations/Companies), which are legal entities formed by primary producers. Loan amount up to ₹50 lakh, 48-hour processing time, and up to 12 months tenure, aimed at impacting the livelihood of more than 50,000 farming communities over 2 years with reported income increases of 13.35% to 25%.
• Jansamridhi Loan: Micro LAP Provides small farmers, self-employed individuals, and rural businesses with easy access to credit by pledging their property as collateral. Loan term up to 10 years, loan amount from ₹2 lakh to ₹25 lakh, attractive interest rates, and fast approval. Targets milk farmers, grocery shop owners, farmers, and vehicle repair businesses. Minimum monthly income of ₹10,000 required.
• Invoice Discounting Facility (Instacash) An invoice discounting platform for supply chain finance that provides immediate funds to sellers/vendors without waiting for due dates. Interest charged on a daily basis only, with no penalty on early repayment or non-limit utilization. Less stringent eligibility criteria and limited documentation compared to traditional products.
• Other Products (Term Loan/OD, Farm Mechanisation, Impact Lending, Input Dealers) Pipelines Term Loans and OD facilities to Agri Enterprises/MSMEs including Agri Processors, Artias, and Traders, lending for Farm Mechanisation, Impact Lending, and loan facility for Input Dealers. Target audience spans agri enterprises and MSMEs with the ability to disburse loan amounts within 48 hours of approval.

Quantifiable outcome

• Loan book exceeding ₹3,400 crore as of January 2026
• +7 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Eleven partnerships are on record, tiered regional, minor, major and flagship.

• Myanma Apex BankregionalStrategic or Co-development Partner · 17 December 2015SLCM Ltd. Myanmar partnered with Myanma Apex Bank (the 4th bank in that year) for collateral financing services, demonstrating extension of the SLCM/Kissandhan agri financing model into Myanmar (December 2015).
• Dun & BradstreetminorStrategic or Co-development Partner · 2 November 2015SLCM Group partnered with Dun & Bradstreet in November 2015 to identify barriers in the warehousing sector and make policy recommendations to the Government of India.
• Central Bank of IndiamajorStrategic or Co-development Partner · 29 September 2014Sohan Lal Commodity Management (SLCM Group, parent of Kissandhan) tied up with Central Bank of India in September 2014 for collateral management services supporting agri financing operations.
• State Bank of India (SBI)flagshipStrategic or Co-development Partner · 23 November 2012SBI and SLCM Group entered into a tie-up for Collateral Management services, announced on 23 November 2012. This alliance leverages SBI's banking reach with SLCM/Kissandhan's agri collateral expertise.
• NBFC-MFIs / NBFCs in Agri LendingflagshipChannel Partner/ Reseller/ DistributorKissandhan partners with NBFC-MFIs and NBFCs operating in the agri lending space to extend on-lending to small-holder farmers and JLGs. Partners undergo comprehensive assessment across financial and non-financial parameters. Loan ticket up to Rs 10 Crore, tenure up to 24 months.
• Light Microfinance Private LimitedminorChannel Partner/ Reseller/ DistributorAhmedabad-based NBFC-MFI partner providing on-lending distribution to agri customers. Provided public testimonial about Kissandhan's service quality and commodity financing expertise.
• Magalir Micro Capital Private LimitedminorChannel Partner/ Reseller/ DistributorChennai-based NBFC-MFI partner. Provided testimonial praising Kissandhan's fastest turnaround time (24-hour) in the financial service domain.
• Sonata Finance Private LimitedminorChannel Partner/ Reseller/ DistributorLucknow-based microfinance partner in commodity financing for over four decades of cumulative business relationship with Kissandhan.
• Vedika Credit Capital LimitedminorChannel Partner/ Reseller/ DistributorRanchi-based credit capital partner. Cited Kissandhan's diversified product portfolio and hassle-free documentation in testimonial.
• Save Microfinance Private LimitedminorChannel Partner/ Reseller/ DistributorGaya-based microfinance partner citing SLCM Group's decades-long legacy and Kissandhan's purpose-based financing solutions.
• Sohan Lal Commodity Management Limited (SLCM)flagshipStrategic or Co-development PartnerKissandhan Agri Financial Services is a wholly-owned subsidiary of SLCM (Sohan Lal Commodity Management Limited). SLCM provides the parent brand, group-wide relationships, agri warehousing infrastructure, and strategic direction.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CreditAccess Grameen Limited: Listed Indian microfinance NBFC with significant rural and agri-allied lending. Direct comparable as a microfinance NBFC serving rural borrowers through partner and direct channels.
• IFFCO Kisan Finance Limited: Subsidiary of IFFCO providing agri-financing including farmer loans, dairy financing, and supply chain finance. Directly comparable to Kissandhan's commodity-based and farmer-focused agri NBFC model.
• Muthoot Microfin Limited: Subsidiary of Muthoot Pappachan Group providing microfinance loans to rural women borrowers, with growing agri-allied lending. Comparable to Kissandhan's BC partnership and small-ticket rural lending model.
• Spandana Sphoorty Financial Limited: Listed Indian microfinance NBFC focused on women SHGs and rural households, with growing agri-allied lending exposure. Comparable to Kissandhan's BC partnership and rural lending model.
• Samunnati Financial Intermediation & Services: Indian NBFC specializing in agri value chain financing, including FPO lending, agri-enterprise lending, and supply chain finance. Direct competitor in the FPO lending space.
• Asirvad Micro Finance Limited: Chennai-based microfinance NBFC with significant rural and agri-allied loan portfolio. Comparable to Kissandhan's micro-LAP and rural small-ticket lending focus.
• NABKISAN Finance Limited: Subsidiary of NABARD providing agri and rural financing to FPOs, agripreneurs, and rural MSMEs. Direct comparable to Kissandhan's NBFC-MFI on-lending and FPO lending products with similar target borrowers.
• Fusion Microfinance Limited: Listed Indian microfinance NBFC serving underbanked rural women and agri-allied borrowers. Comparable to Kissandhan's small-farmer and rural business lending segments.

Broad incumbents

• Manappuram Finance Limited: Listed Indian NBFC primarily in gold loans but with diversified microfinance, housing, and commercial vehicle finance. Indirect comparable as a larger diversified NBFC with rural/agri exposure.

Emerging players

• Arya.ag: Agri-fintech platform offering post-harvest financing, warehousing, and commodity-backed lending. Comparable to Kissandhan's commodity-based financing but using a more technology-driven model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/slcm-group-kissandhan-agri-financial-services-private-limited-

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Kissandhan Agri Financial Services