Company
Company
Jai Kisan
Jai Kisan
Stage
Stage
Pre Series A
Pre Series A
Co-Investors
Co-Investors
Sector
Sector
Fintech
Fintech
Agri Lending
Agri Lending
Jai Kisan is a rural-focused fintech platform that provides credit and other financial services to farmers and rural businesses. By building a comprehensive financial ecosystem, it aims to empower rural India and make financing more accessible for agricultural and commercial needs.
Jai Kisan is a rural-focused fintech platform that provides credit and other financial services to farmers and rural businesses. By building a comprehensive financial ecosystem, it aims to empower rural India and make financing more accessible for agricultural and commercial needs.
Founded by
Founded by
Arjun Ahluwalia, Adriel Maniego
Arjun Ahluwalia, Adriel Maniego
Why we invested in Jai Kisan
Why we invested in Jai Kisan
Why we invested in Jai Kisan
Jai Kisan is building a rural fintech platform that provides farmers and agri–SMEs with access to structured credit and other financial products. Despite agriculture contributing nearly 20% of India’s GDP, formal financing remains deeply underpenetrated, forcing most farmers to depend on informal sources at high interest. Jai Kisan solves this by embedding credit within agricultural commerce, ensuring loans are tied to productive use and delivered in a trusted, transparent manner.
Jai Kisan is building a rural fintech platform that provides farmers and agri–SMEs with access to structured credit and other financial products. Despite agriculture contributing nearly 20% of India’s GDP, formal financing remains deeply underpenetrated, forcing most farmers to depend on informal sources at high interest. Jai Kisan solves this by embedding credit within agricultural commerce, ensuring loans are tied to productive use and delivered in a trusted, transparent manner.
Addressing the rural credit gap:
Addressing the rural credit gap:
The rural credit gap is estimated in the hundreds of billions of dollars, yet traditional banks have struggled to serve this segment due to high cost of acquisition and limited visibility on end-use. Jai Kisan bridges this gap by partnering across agri supply chains, where dealers, processors, and aggregators already have deep farmer relationships. This approach reduces acquisition costs, improves visibility on cash flows, and enables high-quality lending at scale.
The rural credit gap is estimated in the hundreds of billions of dollars, yet traditional banks have struggled to serve this segment due to high cost of acquisition and limited visibility on end-use. Jai Kisan bridges this gap by partnering across agri supply chains, where dealers, processors, and aggregators already have deep farmer relationships. This approach reduces acquisition costs, improves visibility on cash flows, and enables high-quality lending at scale.
Strong traction:
Strong traction:
Since inception, Jai Kisan has scaled rapidly across equipment, input, and working capital financing, serving thousands of farmers and agri–SMEs. Monthly disbursals have grown steadily, and its digital ledger, Bharat Khata, saw gross transaction value expand more than 6x within months of launch. This momentum demonstrates both strong demand for structured rural credit and the company’s ability to expand across product lines and geographies.
Since inception, Jai Kisan has scaled rapidly across equipment, input, and working capital financing, serving thousands of farmers and agri–SMEs. Monthly disbursals have grown steadily, and its digital ledger, Bharat Khata, saw gross transaction value expand more than 6x within months of launch. This momentum demonstrates both strong demand for structured rural credit and the company’s ability to expand across product lines and geographies.
Technology-led underwriting:
Technology-led underwriting:
At the heart of Jai Kisan’s model is a proprietary tech platform that digitizes transactions through Bharat Khata and builds rich farmer-level data. This enables underwriting with high precision, repayment performance consistently above 99%, and diversification across products and regions. Over time, this data-driven approach creates a defensible moat while enabling the company to layer adjacent services such as insurance and savings for its customers.
At the heart of Jai Kisan’s model is a proprietary tech platform that digitizes transactions through Bharat Khata and builds rich farmer-level data. This enables underwriting with high precision, repayment performance consistently above 99%, and diversification across products and regions. Over time, this data-driven approach creates a defensible moat while enabling the company to layer adjacent services such as insurance and savings for its customers.
What's Happening
What's Happening
What's Happening
What's Happening
Our investment is driven by the conviction that Jai Kisan can transform access to finance for India’s rural economy. The founders bring a rare combination of deep empathy for farmers and the execution ability to build scalable financial infrastructure in a challenging market. By combining supply-chain integration with technology-led underwriting, the company is unlocking credit for millions who have long been excluded from the formal system. We believe Jai Kisan has the potential to emerge as a category-defining financial institution for rural India.
Our investment is driven by the conviction that Jai Kisan can transform access to finance for India’s rural economy. The founders bring a rare combination of deep empathy for farmers and the execution ability to build scalable financial infrastructure in a challenging market. By combining supply-chain integration with technology-led underwriting, the company is unlocking credit for millions who have long been excluded from the formal system. We believe Jai Kisan has the potential to emerge as a category-defining financial institution for rural India.
Our investment is driven by the conviction that Jai Kisan can transform access to finance for India’s rural economy. The founders bring a rare combination of deep empathy for farmers and the execution ability to build scalable financial infrastructure in a challenging market. By combining supply-chain integration with technology-led underwriting, the company is unlocking credit for millions who have long been excluded from the formal system. We believe Jai Kisan has the potential to emerge as a category-defining financial institution for rural India.
Our investment is driven by the conviction that Jai Kisan can transform access to finance for India’s rural economy. The founders bring a rare combination of deep empathy for farmers and the execution ability to build scalable financial infrastructure in a challenging market. By combining supply-chain integration with technology-led underwriting, the company is unlocking credit for millions who have long been excluded from the formal system. We believe Jai Kisan has the potential to emerge as a category-defining financial institution for rural India.
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