of the shopper’s rupee reaches tomato, onion and potato farmers in the cited RBI study.
Investor presentation · October 2026A product of Dhanmedha
Built around the farmer
A fair market.
A record of
every deal.
Farmers, distributors and buyers trade directly. Every confirmed sale builds a record the farmer owns.
Farmer→Distributor→Buyer
Karnataka first · Interactive prototype · January 2027 launch planned
The farmer’s trade,
on the farmer’s terms.Discover nearby demand.
Agree a price. Confirm payment.
on the farmer’s terms.Discover nearby demand.
Agree a price. Confirm payment.
01 / The problemKisanCred · October 2026
Today a farmer sells
to the first offer.
An advance ties the harvest to an agent. The farmer gets little price choice, waits to be paid, and finishes the season without a reliable record of the trade.
was the payment wait reported for Kolar tomato farmers selling through agents.
effective agent-advance cost in the historical study cited by the deck.
01
Agent’s advance
Cash before sowing.
02
Tied sale
The harvest goes through that agent.
03
Low price, late pay
Commission and a wait for money.
04
No usable record
The next season starts the same way.
Historical research, not KisanCred performance. RBI WPS 08/2024; Muniyappa et al., Kolar market study (2018). The supplied deck reports 43% of farmers studied took advances tied to selling through the agent.
02 / The solutionKisanCred · October 2026
Three trading roles.
One shared record.
Kisan HUB connects the trade. Confirmed orders and payment dates build the farmer’s own trading history.
Farmer
List a harvest, compare licence-checked demand and confirm that payment arrived.
Explore farmer view ↗Distributor
Source from farms when licensed, maintain live stock, and sell to nearby buyers.
Explore distributor view ↗Buyer
Post a weekly list and find distributors who can supply it, item by item.
Explore buyer view ↗FPO
Pool members’ harvest and buy inputs together. Each member confirms their own share.
03 / How a deal worksKisanCred · October 2026
Requested. Accepted.
Delivered. Confirmed. Paid.
01
Requested
The buyer sends an order request. Numbers stay masked.
02
Accepted
The seller accepts. The conversation moves to WhatsApp.
03
Delivered
The seller delivers or the buyer collects.
04
Confirmed
Both parties confirm quantity and quality.
05
Paid
The buyer pays the farmer directly that day. The farmer confirms receipt.
₹0 of the trade payment passes through KisanCred.
Try the order workflow ↗UPI or cash goes directly to the seller. KisanCred runs no trucks, holds no trade money, and takes no produce commission. Late payment is recorded on the buyer’s profile.
04 / Product / FarmerKisanCred · October 2026
A season in five tabs.
Phone OTP, name and village. Pick crops with pictures, then list the quantity and price beside a mandi reference. The design aims for setup in two minutes.
Hub · Orders · Earnings · Map · Account
Nearby demand, ongoing deals, paid earnings, distances and the farmer’s record.
See crop selection and harvest listing +
Pictures make listing easier.
Tap the crops you grow. Set the quantity with crate blocks and choose your own asking price. Today’s mandi price provides context.
Design screens from the updated pitch deck. Figures and profiles are illustrative.
05 / Product / DistributorKisanCred · October 2026
Buy from farms.
Sell from one inventory.
One switch separates buying and selling. Stock, sourcing orders and buyer requests share a workspace, with separate money views for each side.
- GST checked. APMC registration is optional at signup. Farm sourcing unlocks only after the required licences are checked.
- 5 kg minimum. Smaller produce quantities cannot be listed. Zero stock leaves matching.
06 / Product / BuyerKisanCred · October 2026
A weekly list.
Nearby distributors.
Add several items with a quantity, frequency and maximum price. Compare each distributor’s coverage, repeat a weekly request or reorder from history.
40 km first. 80 km when needed.
Open buyer workspace ↗The prototype compares straight-line distance. Delivery arrangements stay between the parties; road routing is a later refinement.
07 / FPOs and discoveryKisanCred · October 2026
Small farms.
One bigger order.
An FPO pools members’ harvest into a single lot and combines input requirements at the trade rate.
Every member has a say.
The buyer pays the FPO directly. Each member receives a share statement and confirms it on their own phone. Unconfirmed shares stay out of the member’s confirmed trade record.
Kisan Feed creates discovery.
Photo posts, saves and conversations help people find supply. A harvest post can become a marketplace listing.
Additional HUB categories: farm inputs, produce, farm services, machines, harvest listings, farmland introductions and livestock farm businesses. Animal sales are excluded.
08 / Trust and paymentKisanCred · October 2026
Farm access starts
with licence checks.
The proposed product checks identity and licences before opening farm sourcing. Payment confirmation stays with the farmer.
| Check | Who | Recorded evidence |
|---|---|---|
| GST verification | Distributors | GSTIN matched to the business name. |
| APMC trader licence | Distributors seeking farm access | Licence number, issuing market and validity date. |
| Section 72-A | Eligible direct farm purchasers | Required direct-purchase permission before farm lots unlock. |
| Same-day payment | Farm-produce purchases | The farmer marks “paid” on their own phone; late payers are flagged. |
Checks with dates, not a generic tick.
Ordinary buyers source from distributors. Farm access remains a separate permission for eligible purchasers.
Product policy and prelaunch plan. The Karnataka APMC Act, 1966 covers direct-purchase licensing and payment obligations. The launch plan includes a written legal opinion on the platform’s applicable requirements.
09 / Business modelKisanCred · October 2026
Free for farmers.
No produce commission.
Always free
Farm-produce trade
- Listing and selling harvest
- Buying as a farmer or buyer
- Accepted-deal WhatsApp conversations
- Earnings and the farmer’s trade record
Proposed revenue
Business tools
- Lead credits on inputs, services and machines
- Distributor plans for visibility and tools
- Sponsored slots, always labelled
Prices will be set during the pilot.
Earlier demo examples include Distributor Pro at ₹1,499/month and 50 credits at ₹1,100. These are hypotheses, not committed prices or revenue. Produce offers, quotes and orders remain free.
KisanCred receives only its own service fees. Trade payments go directly between buyer and seller.
10 / Karnataka firstKisanCred · October 2026
Starting where
we farm.
farm holdings in Karnataka
small or marginal holdings
licensed traders reported on the state market platform
APMC markets cited in the deck
Historical market context from the supplied PPTX: Agriculture Census 2015–16 (via Karnataka Economic Survey); Deccan Herald, January 2022, on the Unified Market Platform; The Federal, March 2026. These figures describe the market, not signed customers or current KisanCred reach.
| Platform | Core model in the supplied deck | Trade and evidence |
|---|---|---|
| e-NAM | Online trading between regulated mandis | Mandi trading and settlement |
| Ninjacart | Farm sourcing and retailer supply | Sourcing and logistics |
| DeHaat | Inputs, advice and output aggregation | Inputs and produce services |
| KisanCred | Direct farmer, distributor and buyer trade | No custody of trade money; farmer-controlled trade records |
Positioning comparison from the pitch deck, not an exhaustive feature audit.
11 / RoadmapKisanCred · October 2026
The road to launch,
and after.
Now–Dec 2026
Finish the product
Moneyverse, the technology partner named in the deck, builds the app. Obtain the Karnataka trade-law opinion and sign up the first licensed traders.
January 2027 · planned
Launch
State launch event and farmer sign-ups, with FPOs and the agriculture department invited.
Event and participation remain planned.Early 2027
Pilot and seed round
Pilot in one or two districts and raise the seed round alongside it. Test activation, repeat demand and payment confirmation.
Next
Scale across Karnataka
Digitise FPOs, add agricultural workforce services and expand the trading network.
Prelaunch work and pilot measures +
Before launch
Legal opinion, a letter to the Department of Agricultural Marketing, a CA note on GST, and a proposed 20–30 licence-checked purchasing businesses.
Measure the trade
Activated distributors, repeat demand, response time, both-side confirmation, payment timeliness and disputes.
Measure the business
Retention, lead quality, record completeness and willingness to pay before expanding.
12 / The teamKisanCred · October 2026
The founders who
grew up around farming.
“Our families run a farming business. We’ve seen these problems up close, season after season.”
Hari Vatsa Rajiv
Founder & CEO · Engineer
Karan Emmanuel
Co-founder & COO
Medhansh Mohanram
Co-founder & CTO
Shaswat Kumar
Co-founder & CMO
Roshni Gowdanar
Co-founder & Director
Technology partner: Moneyverse
Dhanmedha Private Limited
CIN U62013KA2026PTC224742 · Bengaluru, Karnataka
13 / Interactive productKisanCred · October 2026
Explore the whole
working prototype.
Choose a role and try the workflow. The same demo stays open when you expand it, so you can return to the pitch without losing your place.
Sample data throughout. WhatsApp, payments and licence checks are simulated. This prototype does not place live orders or move money.
KisanCred · A product of Dhanmedha
Trade first.
Records by confirmation.
Payment direct.
Build a working cluster. Make every confirmed deal count.
Experience KisanCred ↗