{"id":1682,"date":"2024-02-01T15:25:31","date_gmt":"2024-02-01T09:55:31","guid":{"rendered":"http:\/\/localhost\/kisanmitr\/?page_id=1682"},"modified":"2024-02-01T15:56:06","modified_gmt":"2024-02-01T10:26:06","slug":"story-51","status":"publish","type":"page","link":"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/story-51\/","title":{"rendered":"Aryadhan &#8211; India Success Story"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1682\" class=\"elementor elementor-1682\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fd09b8 e-flex e-con-boxed e-con e-parent\" data-id=\"1fd09b8\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e6b77f elementor-widget elementor-widget-image\" data-id=\"1e6b77f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1390\" height=\"300\" src=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/12\/india-success.jpg\" class=\"attachment-full size-full wp-image-1110\" alt=\"India-Success-Story-Banner\" srcset=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/12\/india-success.jpg 1390w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/12\/india-success-300x65.jpg 300w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/12\/india-success-1024x221.jpg 1024w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/12\/india-success-768x166.jpg 768w\" sizes=\"(max-width: 1390px) 100vw, 1390px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-430db77 e-flex e-con-boxed e-con e-parent\" data-id=\"430db77\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1233caa elementor-widget elementor-widget-heading\" data-id=\"1233caa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">Aryadhan - An assisted Fintech solution for Post-Harvest finance\nneeds of smallholder farmers and FPOs<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a962d32 e-flex e-con-boxed e-con e-parent\" data-id=\"a962d32\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-97e1a08 e-con-full e-flex e-con e-child\" data-id=\"97e1a08\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41cc34e elementor-widget elementor-widget-text-editor\" data-id=\"41cc34e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<h2>Aryadhan<\/h2>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-baad362 e-con-full e-flex e-con e-child\" data-id=\"baad362\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e307fb elementor-widget elementor-widget-text-editor\" data-id=\"3e307fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Stage of adaption :<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03d7453 elementor-widget elementor-widget-text-editor\" data-id=\"03d7453\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Crop Planning Stage<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65ec02d e-flex e-con-boxed e-con e-parent\" data-id=\"65ec02d\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15ecff7 elementor-widget elementor-widget-text-editor\" data-id=\"15ecff7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>TECHNOLOGY BRIEF<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1c36b8 elementor-widget elementor-widget-text-editor\" data-id=\"b1c36b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Availability of finance is one of the key challenges faced by farmers, FPOs and small aggregators. The impact of this gap has been tremendously aggravated in the aftermath of the COVID-19 pandemic. Aryadhan specialises in offering post-harvest loans against warehouse receipts to farmers, FPOs and smaller entities through its wide network of accredited warehouses. It offers an assisted Fintech platform that enables sanctioning of a warehouse receipt loan to borrowers at their doorstep within a few hours with assistance from our field executives. The technology just requires borrowers to have their Aadhar Card or any other valid KYC document. It carries out defined credit analysis without any external invention and confirms sanction electronically. It has pre-defied parameters for more than 40 commodities and estimates eligibility automatically. Loans are disbursed against commodities stored in a nearby approved warehouse within a maximum of 24 hours from storage. The platform is now integrating artificial intelligence (AI) to assess the quality of the commodities. Loans of upto 70% of the commodity value are extended at attractive interest rates. For FPOs Aryadhan also helps set up flexible warehousing structures (Flexible Hermetic Storage technology solutions https:\/\/www.aryacma.co.in\/admin\/files\/Arya-FHS.pdf ) at their doorstep where ready warehouses are not available. This ensures seamless availability of storage and credit for FPOs and farmers at the farm gate.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6245cb1 e-flex e-con-boxed e-con e-parent\" data-id=\"6245cb1\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8bd53f1 e-con-full e-flex e-con e-child\" data-id=\"8bd53f1\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-352df02 elementor-widget elementor-widget-text-editor\" data-id=\"352df02\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>BENEFITS<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff174d5 elementor-widget elementor-widget-text-editor\" data-id=\"ff174d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Farmers are normally forced to sell their produce at distress values immediately after harvest due to lack of post-harvest finance availability. Warehouse receipt finance is a viable structure to address this challenge. However, we have not seen a large penetration of this product for the benefit of farmers. Traditional Banks have been servicing only larger traders, processors and corporates under their lending schemes. The fintech platform of Aryadhan ensures seamless availability of post-harvest credit to farmers and FPOs at their doorstep with minimal physical documentation. It also ensures minimal physical contact between the lenders and borrowers. Other ancillary benefits include bundling with flexible warehousing structures to overcome the challenge of shortage of warehousing space close to the borrowers. A price risk mitigation guarantee for FPOs is also expected to be launched soon in a partnership between Aryadhan and Rabobank Foundation. This guarantee would cover FPOs from any losses arising from downward price movements upon storage of commodities.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84f9aed e-con-full e-flex e-con e-child\" data-id=\"84f9aed\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4745f64 elementor-widget elementor-widget-text-editor\" data-id=\"4745f64\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>TECHNOLOGY READINESS<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a56ecd elementor-widget elementor-widget-text-editor\" data-id=\"6a56ecd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Deployed in large scale<\/strong><br \/>The platform has serviced more than 700 borrowers including 60 FPOs with membership of more than 40000 farmers. It has disbursed about INR 200.0 crores to these borrowers. Aryadhan focusses on servicing the post-harvest financing needs of farmers, FPOs and small aggregators in distant primary and secondary agriculture centers closer to the farmgate.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f82c9a0 e-flex e-con-boxed e-con e-parent\" data-id=\"f82c9a0\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ea490bc e-con-full e-flex e-con e-child\" data-id=\"ea490bc\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a233913 elementor-widget elementor-widget-text-editor\" data-id=\"a233913\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>INTELLECTUAL PROPERTY<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dba235 elementor-widget elementor-widget-text-editor\" data-id=\"8dba235\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Technology Not Protected<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a06673 e-con-full e-flex e-con e-child\" data-id=\"8a06673\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5b68ae elementor-widget elementor-widget-text-editor\" data-id=\"a5b68ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>CERTIFICATION<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-613f3fb elementor-widget elementor-widget-text-editor\" data-id=\"613f3fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Not Applicable<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-040b378 e-flex e-con-boxed e-con e-parent\" data-id=\"040b378\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1a0a675 e-con-full e-flex e-con e-child\" data-id=\"1a0a675\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0aee702 elementor-widget elementor-widget-text-editor\" data-id=\"0aee702\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>TARGET CUSTOMERS<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed5d71f elementor-widget elementor-widget-text-editor\" data-id=\"ed5d71f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Aryadhan focusses on servicing the post-harvest financing needs of farmers, FPOs and small aggregators in distant primary and secondary agriculture centers closer to the farmgate.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b19d11 e-con-full e-flex e-con e-child\" data-id=\"6b19d11\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c54ca28 elementor-widget elementor-widget-text-editor\" data-id=\"c54ca28\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SCALABILITY<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e28338 elementor-widget elementor-widget-text-editor\" data-id=\"6e28338\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Aryadhan recognises the large finance gap in post-harvest agriculture. This is estimated at about INR1.25 Lac crores with Banks being able to service only about INR0.40 Lac crores. A viable technology solution that cuts down on paperwork and builds on readily available information of farmers, FPOs and other small stakeholders can effectively bridge this gap.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d94c79d e-flex e-con-boxed e-con e-parent\" data-id=\"d94c79d\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f1bc9e8 e-con-full e-flex e-con e-child\" data-id=\"f1bc9e8\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a91f050 elementor-widget elementor-widget-text-editor\" data-id=\"a91f050\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>LIMITATIONS<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-223078f elementor-widget elementor-widget-text-editor\" data-id=\"223078f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Availability of liquidity at reasonable rates is one of the key limiting factors for large scale growth. Further, some support in terms of credit guarantees and enhancements could go a long way in scaling up such initiatives.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8449541 e-con-full e-flex e-con e-child\" data-id=\"8449541\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae94b9 elementor-widget elementor-widget-text-editor\" data-id=\"6ae94b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>TECHNOLOGY COST<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91f2aaf elementor-widget elementor-widget-text-editor\" data-id=\"91f2aaf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Aryadhan offers loans to its borrowers at 13-14% per annum.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-677d3ac e-flex e-con-boxed e-con e-parent\" data-id=\"677d3ac\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2eea1e6 elementor-widget elementor-widget-text-editor\" data-id=\"2eea1e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SOCIAL IMPACT<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa54956 elementor-widget elementor-widget-text-editor\" data-id=\"fa54956\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The fintech solution democratises finance for smallholders and their organisations. It ensures that they are able to overcome the challenge of being forced to sell their produce at distress values immediately after harvest. Availability of storage and post-harvest finance are among the most important reasons for farmer distress in our country. It is estimated that by undertaking post-harvest storage followed up by finance, smallholders can improve their income to the tune of 25% in a single agriculture season.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ec66e6 e-flex e-con-boxed e-con e-parent\" data-id=\"1ec66e6\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02b7b16 elementor-widget elementor-widget-text-editor\" data-id=\"02b7b16\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>CONTACT<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b075a4 e-flex e-con-boxed e-con e-parent\" data-id=\"7b075a4\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ddbc03 e-con-full e-flex e-con e-child\" data-id=\"6ddbc03\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bed44a9 elementor-widget elementor-widget-image\" data-id=\"bed44a9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"135\" src=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/10\/KisanMitr-logo-1024x462-1-300x135.png\" class=\"attachment-medium size-medium wp-image-65\" alt=\"\" srcset=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/10\/KisanMitr-logo-1024x462-1-300x135.png 300w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/10\/KisanMitr-logo-1024x462-1-768x347.png 768w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/10\/KisanMitr-logo-1024x462-1.png 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1013fe elementor-widget elementor-widget-image\" data-id=\"c1013fe\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/11\/icst-logo-WA-300x300.jpeg\" class=\"attachment-medium size-medium wp-image-635\" alt=\"\" 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src=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/11\/RICH-logo-WA-300x300.jpeg\" class=\"attachment-medium size-medium wp-image-634\" alt=\"\" srcset=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/11\/RICH-logo-WA-300x300.jpeg 300w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/11\/RICH-logo-WA-1024x1024.jpeg 1024w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/11\/RICH-logo-WA-150x150.jpeg 150w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/11\/RICH-logo-WA-768x768.jpeg 768w, https:\/\/kisanmitr.indiancst.com\/kisanmitr\/wp-content\/uploads\/2023\/11\/RICH-logo-WA.jpeg 1251w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9026200 e-con-full e-flex e-con e-child\" data-id=\"9026200\" data-element_type=\"container\" 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>\n\t\t\t\t\t\tEMAIL\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t kisanmitr@indiancst.in \t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f525cbd elementor-position-left elementor-vertical-align-middle elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"f525cbd\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone-volume\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  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The impact of this gap has been tremendously aggravated in the aftermath of the&hellip;&nbsp;<a href=\"https:\/\/kisanmitr.indiancst.com\/kisanmitr\/story-51\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Aryadhan &#8211; India Success Story<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"class_list":["post-1682","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Aryadhan - India Success Story - Kisanmitr<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"http:\/\/kisanmitr.indiancst.com\/kisanmitr\/story-51\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Aryadhan - India Success Story - Kisanmitr\" \/>\r\n<meta property=\"og:description\" content=\"Aryadhan &#8211; An assisted Fintech solution for Post-Harvest finance needs of smallholder farmers and FPOs Aryadhan Stage of adaption : Crop Planning Stage TECHNOLOGY BRIEF Availability of finance is one of the key challenges faced by farmers, FPOs and small aggregators. 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