DIP is the first of its kind, innovative two-fold assessment of the cattle and dairy farmer by leveraging artificial intelligence, across Banking, Insurance and E-commerce for the dairy industry. DIP helps our partners to achieve scale in the largely under-penetrated dairy sector and benefits to all the stakeholders.

The dairy industry lacks such an innovative platform, else the option available for the players is to continue the existing practice and low market penetration.

Dairy Intelligence Platform - Cattle Loan

We check almost 50 plus parameters of the farmer and cattle by leveraging new age technologies.

  • Know Your Customer (KYC) for Farmer
  • Know Your Cattle (KYC) for cattle Digitized cattle to uniquely identity based on muzzle identity, health status, how well the farmer has been managing the cattle, estimated cash-flow by leveraging artificial intelligence.
  • Surabhi Score: Comprehensive score to underwrite the cattle accurately and at scale.

Benefits

Transform “Personal Loan to dairy farmer” to “True cattle Loan”. The solution has been used by lending institutions.

High straight-through
processing

Achieve
Scale

Achieve Speed
to Scale

Reduced
NPA

Pay per use and
lower Capex.

Reduce
Operational Cost

Impact achieved:

  • By leveraging the DIP, Jana Small Finance has disbursed Rs 34 Crores, achieved near to 100% collections through digital approach.
  • The unique approach of Surabhi Score + Farmer underwriting has been established over a period of 15 months.
  • Benefits delivered at doorstep to 4000 plus customers having 30% plus first-time borrowers.
  • In addition to “True cattle Loan” these customers got access to high quality veterinary services, facilitated cattle insurance at doorstep, and inputs to manage dairy efficiently.