The document discusses eKutir, a proposed "one stop shop" platform to help meet the credit and knowledge needs of smallholder farmers in India. Currently, smallholder farmers face inadequate and untimely credit from banks and money lenders, which has prevented increased productivity and income. eKutir would provide farmers with inputs, advisory services, risk analysis, financial tools, and a credit card to purchase inputs. This would help farmers, banks/MFIs, input suppliers, traders, and others by reducing risks, transaction costs, and improving outcomes for all stakeholders.

1. Meeting the credit needs
of small-holder Farmers
One stop shop for farmers
eKutir
Opportunity Driven By
Knowledge
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2. What is the Present
Credit Arrangement
Banks & MFIs
• Money lenders
• Credit is inadequate – Last resort
• Credit not given in • No increase in
time • Farm Credit - a risky productivity
Portfolio • No increase in
• Banks perceived as income
• Small and Marginal
alien organisations Farmers are Non • Cycle of
• MFI’s only concentrate bankable Perpetual
on credit dispersal • Lack of concern poverty
• No value added
services offered
Farmers Impoverished
Farmers
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3. eKutir
• No liquidity problems
Post • Inputs available from entrepreneurs
Intervention eKutir
Phase • Quality, Service and
• Good Market & • No credit transactions by
de-risking done farmers for inputs
Captive Customers
• Better Portfolio • Instant Payment to
• Value added services
Management Farmers
• Less Risk and more
• Enhanced Income
• No liquidity crunch
Productivity
• Less transaction costs
• More Income • More products
without credit from
input suppliers
Farmers
Local Traders
• Less Risk and AgriProcessors
Transaction costs
• Outsourcing of • Benefits from inputs
Banking and outputs
• Assured quality of farm
operations to • Better Productivity
produce
eKutir • Enhanced Incomes
• Captive Farmer groups
• More market • Adherence to GAP standards
access A Happy
eKutir Farmer
Banks /MFIs
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4. eKutir Voucher System Voucher to be issued to
registered farmers
eKutir Voucher will be issued to
the registered farmers for availing
all information and advisory on
line through ekutir hubs for two This will help farmer in
2Vr books to be issued
crops. This system has been coming to the hubs and
with 10leaves for two
start taking some more
designed to help the farmer to crops
agri inputs
come to the hubs and get
objective information without
paying anything. This voucher
system initially to be sponsored
by eKutir Rural Management
Services Ltd but later on to be At the hub vr no will be Farmer can come to the
sponsored by different Agri entered and the hubs and ask queries on
amount will be entered line for those two crops
Agencies but later on after the as income free of cost
farmer realises the importance of
the information and online
advisory will start paying for the
usage.
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5. • Business expansion of eKutir entrepreneurs
• Monetisation of the Farmers Information
• To build up the credit Information of the
AgriPlus Farmers
eKutir • Helps in mitigating the risks of the stakeholders
•Ekutir Farmers’ Credit Card will
be issued to the Farmers by
FIS/MFIs/Contract Farmer/
• Fis/MFIs/ get a readymade market where
Organisation/Agri Processors
the risks and the transaction cost is
•Farmers are issued the card to minimized
meet their input requirements for • BCs/BFs can earn more money because of
raising a crop. Fis/MFIs/ this opportunity
•Farmers indicates the crops for
which the credit in the form of
kinds will be taken from eKutir or
eKutir accredited organisations • They can issue a credit card to their captive
•The transaction will be confined farmers for buying and paying inputs required
to the input requirements of the for raising the identified crops. The quality of
crops indicted by the farmer .For the crop is ensured and the utilisation of the
inputs ensured
crop changes he has to apply and Contract Farming
Organisation/Agri • The payment is made by them if agreed by
changes to be effected
Processors Farmers and also the payment of the produce
•The total repayment will be net of creidt is paid to them.
confined to total duration of the
crops + 15days
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6. De-Risking the Small-Holder Farmer
• Registration Charges from
Crop the farmer for giving
objective advisory
Planning Tool • Charges from other farmer
• Registration Charges
Farmer Risk • Charges from the Bank/Fis
Analysis Tool for giving risk analysis
Report
Farmers • Registration of the Farmer
• Commission from the banks
Financial Tool for any financial transaction
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7. De-Risking the Small-Holder Farmer
• Registration of the farmer
Soil Nutrient • Registration Charges from the
Fertliser /Soil Nutrient Vendors
Management • Commission/Profit for selling
Tool the nutrients/supplying the
nutrients
Seed Selection • Registration of the Farmer
• Seed Vendors Registration
Tool • Commission on selling seeds
Pest & Disease • Registration of Farmers
• Registration of Vendors
Management • Commission on selling of
Tool pesticides
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8. De-Risking the Small-Holder Farmer
Harvesting • Registration of the Farmer
Management • Registration of different
buyers
Tool
• Registration of Farmer
Marketing • Registration of
Management Traders/Buyers
• Commission on marketing
Tool from the Farmers
• Registration of the Farmer
Farmers Advisory for advisory
Tool • Registration of different
advisors
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9. Namaste
&
Thank You!
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