Verify the Crop Before the Loan. Monitor the Portfolio Before the Default.
India's agricultural credit system disburses over ₹25 lakh crore annually on the basis of farmer declarations. No independent crop verification at sanction. No post-disbursal monitoring until the farmer defaults. Phenolens closes both gaps — verified intelligence before disbursement and continuous monitoring after.
How It Works
Our end-to-end solution for your industry
Commercial and Private Banks
Pre-sanction screening for agri-loan portfolios. District and branch-level dashboards. Easy integration with your existing systems. Minutes per case — zero branch workflow disruption.
Cooperative Banks and RRBs
The segment most exposed to agri NPA. Phenolens operates without requiring new field staff or expensive infrastructure — works on existing systems. Pricing structured for cooperative bank economics.
NBFC-MFIs and Rural NBFCs
Fast, low-cost crop verification at small loan sizes. Full intelligence at a fraction of manual field visit cost.
Agri-Fintech Platforms
API output embeds directly into digital lending flows as an automated crop verification step before sanction. Fully documented API with sandbox environment available.
Post-Disbursal Monitoring
Sowing confirmation, bi-weekly crop health bulletins, stress alerts, yield outlook, and harvest event confirmation — all automated throughout the season.
Real Example — Turmeric Field, Tiruppur District, Tamil Nadu
A 1–2% improvement in portfolio recovery translates to ₹165–330 crore saved annually for a bank with a ₹16,500 crore agri book in Tamil Nadu alone.
Ready to Get Started?
See how Phenolens can transform your agricultural risk assessment