Arya.ag’s Mission and Breakthrough in Agri-Finance Arya.ag, India’s largest and only profitable grain commerce platform, has revolutionized rural financial inclusion through its innovative post-harvest commodity-based lending. The company’s mission is to empower farmers by providing seamless access to finance, storage, and transparent commerce. Its Non-Banking Financial Company (NBFC) arm recently crossed the ₹2000 crore milestone in commodity finance, marking a first in India’s agri-based lending sector. This achievement underscores Arya.ag’s commitment to overcoming the challenges of farmgate-level financing and transforming rural credit accessibility. Breaking Barriers in Commodity Finance Traditionally, commodity finance at the farmgate level has been perceived as risky, fragmented, and difficult to scale. Arya.ag has defied these expectations by structuring its financing model around actual grain stored across India’s heartland. Leveraging a robust technology infrastructure and a decentralized storage network, the company has successfully built a secure and scalable lending framework. Anand Chandra, Co-founder of Arya.ag, highlighted the significance of this achievement: “Reaching ₹2000 crore in commodity finance through our NBFC validates our integrated approach to post-harvest solutions. This milestone positions us as the largest NBFC in India’s commodity collateral funding space, effectively doubling the scale of other players in this segment. We've developed a model where farmers receive loans in under 30 minutes based solely on KYC, changing the dynamics of rural finance.” A Scalable and Sustainable Financial Model Arya.ag’s approach has yielded remarkable results, with virtually nil Non-Performing Assets (NPAs) while serving approximately 8 lakh farmers. This success demonstrates that when financial products are directly linked to real commodities and farmer needs, scale and sustainability naturally follow. Beyond its NBFC’s direct lending, Arya.ag has facilitated an additional ₹10,000 crore through partner banks against warehouse receipts, bringing the total financing enabled this year to ₹12,000 crore. This underscores the broader financial ecosystem Arya.ag has created, ensuring wider access to credit for India’s agricultural stakeholders. Industry Recognition and Expansion Arya.ag’s trailblazing efforts in agricultural finance have earned it prestigious accolades, including the 2025 Forward Faster Sustainability Award in the Climate Action category by the UN Global Compact Network India. Additionally, the company secured an INR 2.5 billion loan facility backed by GuarantCo and HSBC India, further reinforcing its financial strength and growth trajectory. Currently, Arya.ag operates across 21 states, covering 60% of Indian districts. It manages over 4 million metric tons of commodities across 3,500+ warehouses, with a total stored value exceeding ₹10,000 crore. These numbers highlight the scale and impact of Arya.ag’s operations in reshaping India’s post-harvest ecosystem. Arya.ag’s Vision: Unlocking the Future of Agri-Finance The company’s success in commodity finance showcases the potential of post-harvest solutions as a game-changer for agricultural financial inclusion. By eliminating the trust deficit in grain commerce and enabling farmers to decide ‘when’ and ‘to whom’ they sell their produce, Arya.ag is fostering a more equitable and transparent value chain. Redefining Rural Credit and Agricultural Growth Arya.ag’s ₹2000 crore milestone is more than just a financial achievement; it represents a paradigm shift in how rural finance is structured in India. By pioneering post-harvest commodity-based lending, Arya.ag is proving that agricultural credit can be both scalable and sustainable. With continued innovation and expansion, Arya.ag is set to further transform India’s agricultural economy, ensuring inclusive growth and financial empowerment for millions of farmers.   (With inputs from Arya.ag)