Krushi

What Krushi does

Krushi is a non-governmental development organization founded in 1995 and registered on July 11, 1997 under the Andhra Pradesh (Telangana areas) Public Societies Registration Act (Registration No. 3304/1997), headquartered in Karimnagar, Telangana, India. It delivers socio-economic empowerment programs for disadvantaged women, children, and small farmers across 5 districts of Telangana — Karimnagar, Nizamabad, Medak, and Adilabad — through 3 branch offices, 9 program units, and a community-managed network of Self-Help Groups (SHGs), Community-Based Organizations (CBOs), Mahila Mandals, Village Organizations, Watershed Committees, and Mutually Aided Cooperative Societies (MACS). Its core programs include micro-finance (income-generation loans of Rs. 5,000-10,000 at 18% declining interest with insurance bundling), the Integrated Nutrition and Health Project, watershed development, Non-Pesticide Management / organic cotton farming, the SAHAYA women's rights center, Urban Health Centers, birth registration campaigns, and local governance strengthening, serving approximately 30,000 women SHG members.

The underlying operating model is a community-aggregated micro-finance and development platform built around the SHG and MACS framework, with two-level documentation at SHG and MACS levels and multi-stakeholder recovery mechanisms. The technology base is process-driven and non-digital — there is no mobile app, no disclosed APIs, and no proprietary software platform; core capabilities lie in field-staff workflows, community mobilization, watershed methodologies, and partnership management rather than technology IP. Krushi's business model combines a transaction-fee micro-finance stream (interest income on small-ticket loans) with a grants-and-donations stream from approximately 10 donor agencies, including CARE (since 2002), NABARD, ETC-Solidaridad of the Netherlands, DWMA, the Department of Medical & Health (GoAP), and ICICI Bank / Punjab National Bank for banking operations. Donations are Section 80(G) tax-exempt, and the organization derives additional quasi-commercial revenue from government HR-support contracts and the Fino Cash Delivery Agency financial-inclusion service. The go-to-market is community-led: outreach is driven through the SHG and CBO networks, training camps, health camps, and partnerships with district administration and NGOs, rather than through any paid digital marketing or sales channels.

Name

Krushi

Legal name

Krushi

Website

https://krushingo.org

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

101–250 employees

Short description

Krushi is a Karimnagar-based non-profit NGO registered in 1997 that delivers micro-finance, health, watershed, and women's empowerment programs to approximately 30,000 women across 5 districts of Telangana through 3 branch offices, 9 program units, and a community-managed SHG and MACS network.

Ownership category

akta.pro rank

Product category

Community Development Services

NAICS

Individual and Family Services (6241), Community Food and Housing, and Emergency and Other Relief Services (6242)

SIC

Services-Social Services (8300), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)

akta.pro secondary industries

Rural Livelihoods & Economic Empowerment (BPAGABAA), Financial Inclusion & Consumer Empowerment (Banking Access, Credit Building) (BPAGALAJ), Microloans & Working Capital Loans (FSAKAGAA), Maternal, Newborn, Child & Adolescent Health (MNCAH) NGOs (HLAJAKAG)

Keywords

• Microfinance services
• Community development
• Women's empowerment
• Watershed development
• Rural health programs

Headquarters

HQ city

Karimnagar

HQ country

India

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Micro-finance Operations: Krushi generates revenue through micro-finance lending operations, providing loans to SHG members at 18% declining interest rate. Interest income from loan portfolio constitutes core operational revenue.
2. Donations and Grants: Receives donations from domestic and overseas donors. Domestic donations are tax-exempt under Section 80(G) of the IT Act 1961. The organization has approximately 10 donor agencies including local commercial banks supporting various development programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Krushi provides micro-finance services through Self-Help Groups (SHGs) and Mutually Aided Cooperative Societies (MACS), issuing income-generation loans of Rs. 5,000–10,000 at 18% declining interest to poor women members. Alongside credit, the NGO delivers integrated development programs covering watershed development, organic/non-pesticide farming, maternal and child health (INHP), urban health services, and women's rights protection (SAHAYA Center). Services reach approximately 30,000 women across 5 districts of Telangana through 3 branch offices and 9 program units.

Product overview

Krushi is a non-governmental organization registered under the Andhra Pradesh Public Societies Registration Act, operating as a development organization focused on socio-economic empowerment of poor and vulnerable communities in Telangana. The organization offers a portfolio of interconnected development programs centered around microfinance services (Micro-Finance Programme, CASHE Project), health initiatives (INHP, Urban Health Center), agricultural development (Watershed Development, IGWDP, Non-Pesticide Management, Sustainable Agriculture Development), women's empowerment (SAHAYA), and community governance strengthening. These programs serve approximately 30,000 women members across 5 districts through 3 branch offices and 9 program units, with key partnerships including CARE (since 2002), NABARD, ETC-Solidaridad, and DWMA.

Differentiator

Problem solved

Functional benefit

Products and services

• Micro-Finance Programme Micro-credit and savings program providing income-generation loans (Rs. 5,000-10,000) at 18% annual declining interest rate to SHG members, with insurance coverage partnerships through Royal Sundaram, JBY, and SBI Life. Targeted at poor women members of Self-Help Groups in Telangana.
• CASHE Project Microfinance initiative in collaboration with CARE to enlarge livelihood opportunities for rural households through community-based MACS organizations serving SHGs across multiple mandals in Telangana.
• INHP (Integrated Nutrition & Health Project) Health project in partnership with CARE reducing IMR and MMR through strengthened Anganwadi centers, reaching 142 villages across 30 mandals in Karimnagar district.
• Watershed Development Program Watershed development program implemented in partnership with DWMA, completing 22 watersheds in 25 villages, with current IWDP-Phase II covering 9 watersheds in Karimnagar district.
• SAHAYA (Center for Protection of Women's Rights) Women's empowerment center established at District Collectorate providing legal aid, counseling, rehabilitation services, and short shelter home (Mahila Pranganam) for distressed women.
• Non-Pesticide Management (NPM) Organic farming initiative covering 95 acres, reducing input costs and increasing farmer profits through bio-pesticide preparation and NPM practices for small and marginal farmers.
• Sustainable Agriculture Development Organic cotton program in partnership with ETC-Solidaridad of Netherlands, covering 679 acres across Ellanthakunta, Sircilla, and Yellareddypeta mandals with 310 farmers practicing organic farming methods.
• Urban Health Center Health services extending to 15,000 urban slum residents in Sirsilla town through Mahila Arogya Sanghams (MAS), providing outpatient care, immunizations, and health education.
• Universal Child Birth Registration Campaign Birth registration campaign covering 20 mandals in Karimnagar district, conducted as nodal agency with Plan sponsorship, achieving 50% increase in birth registrations.
• Strengthening of Local Governance Program empowering community by strengthening Gram Panchayats through PRA training, micro planning, and advocacy for devolution of powers to PRI institutions.
• IGWDP (Indo German Watershed Development Project) Watershed development initiative with German partnership covering Laxmipur and Rajannapet villages, involving monthly reviews with NABARD and CMP officials.
• Fino Cash Delivery Agency Financial inclusion service distributing social security pensions and EGS wages to beneficiaries through agents in Sirsilla region.

Quantifiable outcome

• Helped over 30,000 women members across 5 districts through micro-finance programs
• +5 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• CAREcoreStrategic or Co-development Partner · 1 January 2002Long-standing partnership since 2002 for micro-finance strategy and CASHE (Credit for Alternative Sources of Household Enterprises) Project focusing on livelihood opportunities for rural households. Also partners on INHP (Integrated Nutrition and Health Project) to reduce IMR, MMR and malnutrition.
• DWMA (District Water Management Agency)coreStrategic or Co-development PartnerPartnership as facilitating agency for Watershed Development Program. 22 watersheds completed in 25 villages supported by GOI, with Rs. 111.13 lakhs released for watershed committees.
• Department of Medical & Health, Government of Andhra PradeshcoreStrategic or Co-development PartnerCollaboration for INHP project and Urban Health Center operations. Partners on health service delivery, medicine supply, and health depot institutionalization.
• Women Development & Child Welfare DepartmentcoreStrategic or Co-development PartnerPartnership for INHP project, SAHAYA center operation at District Collectorate, and short shelter home (Mahila Pranganam) for distressed women.
• SERP (Society for Elimination of Rural Poverty), Government of APcoreStrategic or Co-development PartnerPartnership for Sustainable Agriculture Development Program implementing livelihood activities and productivity enhancement for Common Interest Groups alongside micro-credit programs.
• District Administration KarimnagarcoreStrategic or Co-development PartnerMonthly review meetings chaired by District Collector for SAHAYA center. Collaboration for Universal Birth Registration campaign and various government schemes.
• Royal Sundaram, JBY, SBI LifeminorStrategic or Co-development PartnerInsurance partners providing coverage to micro-finance clients. Royal Sundaram covers 3,000 clients, JBY covers 800, SBI Life covers 2,500 clients.
• Hindustan Latex Family Planning Promotion TrustminorStrategic or Co-development PartnerPartnership for Andhra Pradesh Social Marketing Program funded by European Union, promoting contraceptive spacing methods through oral pills and condoms.
• Rekurti Charitable Eye HospitalminorOthersHealthcare partnership for organizing eye camps. 3,542 persons have undergone eye treatment through this partnership.
• Dastkaar and VortexminorStrategic or Co-development PartnerPartnership for Decentralized Cotton to Yarn Unit Siricilla project. Dastkaar provides machinery and technical support for cotton processing operations.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MYRADA: Indian development NGO operating community-managed microfinance institutions (similar to Krushi's MACS) combined with watershed, agriculture, and health programs. MYRADA's federated SHG-to-CBO model and focus on institutional sustainability of community organizations is structurally analogous to Krushi's approach.
• PRADAN (Professional Assistance for Development Action): Indian NGO working on rural livelihoods, women's empowerment, and SHG-based microfinance across multiple states. PRADAN's integrated community development model and SHG aggregation approach closely mirror Krushi's MACS/SHG framework, making it the most directly comparable Indian peer.
• ASA India: Indian arm of ASA International, providing microfinance to underbanked women through group lending models. ASA's group-based microfinance methodology and rural borrower focus directly compete with Krushi for SHG members in overlapping districts.
• Spandana Sphoorty Financial: One of India's largest microfinance institutions serving SHG and joint liability group borrowers across rural India. Spandana competes with Krushi for the same SHG member base, operates at vastly greater scale, and represents the institutional MFI benchmark Krushi is positioned against.
• Chaitanya India: Indian microfinance institution focused on financial inclusion of women in rural and semi-urban areas. Chaitanya's SHG/joint liability group lending model and rural women customer segment overlap closely with Krushi's microfinance operations.
• BASIX (Bharat Integrated Social Inclusion): Indian livelihood promotion organization providing microfinance, agriculture, and skills services to rural poor households. BASIX's integrated financial services plus livelihood development model overlaps substantially with Krushi's microfinance plus sustainable agriculture plus watershed portfolio.

Broad incumbents

• SKS Microfinance (now Bharat Microfinance): One of India's first listed microfinance institutions, serving women SHG borrowers across multiple states. SKS/Bharat represents the institutionalized, for-profit MFI archetype operating in overlapping geographies and customer segments as Krushi's microfinance program.
• Bandhan Bank: Indian universal bank that originated as a microfinance institution serving women SHG borrowers in eastern India. Bandhan's evolution from NGO-grade MFI to scheduled commercial bank illustrates both the scale opportunity and the institutional pivot Krushi could face as the sector consolidates.
• Ujjivan Small Finance Bank: India small finance bank that originated as a microfinance institution serving low-income women borrowers. Ujjivan operates at far larger scale across urban and rural India and represents the institutional evolution path available to scaled SHG microfinance operators like Krushi.

Emerging players

• ACCESS Development Services: Indian development organization focused on livelihoods, microfinance, and capacity building for community organizations. ACCESS's portfolio of community institution strengthening and livelihood promotion parallels Krushi's MACS community-management approach and watershed/agri programs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/krushi

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Krushi