Kissandhan’s ₹3,244 Crore Revolution: How One NBFC is Reshaping Rural India

At a time when access to timely credit can make or break a farming season, Kissandhan, the NBFC arm of Sohan Lal Commodity Management Ltd (SLCM), is quietly changing the way rural India borrows. 

With more than ₹3,244 crore in loans disbursed so far, the company is helping thousands of farmers move beyond traditional financial hurdles. This article is based on the information stated by credible reports published by Krishi Jagran, Business Line, Rural Voice, AgNews and Kissandhan.com.

Consider Ramesh Yadav, a wheat farmer from Madhya Pradesh, who had 80 quintals this season. Prices during the period were as low as ₹1,800 per quintal, not sufficient to recover his costs. Rather than selling at a low price, he kept his crop in a Kissandhan-associated godown and availed himself of a loan of ₹1.2 lakh in three days. 

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Two months later, the prices increased to ₹2,200 per quintal. Ramesh sold his crop for ₹1.76 lakh, cleared his loan, and walked away with an additional ₹32,000 — simply by waiting for the opportune moment to sell.

The right kind of credit has the potential to make all the difference between success and failure for farmers, and Kissandhan is making it happen.

More than ₹3,244 Crore Disbursed: A Big Step Forward

Kissandhan has exceeded the ₹3,244 crore mark in total loan disbursements — an important milestone that reflects how desperately farmers require agri-finance and even more so, trust it. But it is not merely a number. 

What matters most is that it's empowering farmers to manage their finances and scale their businesses on the ground.

37,000+ Farmers Impacted: Actual Change on the Ground

Kissandhan, the agri-finance subsidiary of the SLCM Group, has now impacted more than 37,000 farmers in India. Though the ₹3,244 crore in aggregate loans is a large figure, what matters is how these loans are helping farmers to grow and remain financially stable.

Here's a closer look at the type of impact being created:

Reaching Farmers in 14+ States

Kissandhan's loans have found their way to farmers in over 14 Indian states, providing much-needed financial support in regions where formal credit sources are hardly available.

Aid to Small and Marginal Farmers

Most of the farmers assisted by Kissandhan have less than 2 hectares of land. Through initiatives such as the BC Partnership Lending Programme, even small landowners — more than 9,600 women among them — have been able to obtain access to loans. (Rural Voice)

No More Impulse Selling at Discounted Price

With warehouse receipt-backed loans, the farmer is not forced to sell their crops immediately, even at a low price. They can put their crops in warehouses and wait for a better price so that they can earn more. (Krishi Jagran)

Fast Loans for Emergency Situations

When funds are needed for irrigation, sowing seeds, or harvesting, timing is of utmost importance. Kissandhan has a reputation in this regard for the fast approval of loans that allow a farmer to get the funds they need at times, even in a couple of days. (Krishi Jagran)

Innovative Financing: Warehouse Receipt Loans

Kissandhan, SLCM Group's agri-finance subsidiary, has brought a revolutionary commodity-backed loan system to India. It allows farmers to store their produce in approved warehouses and raise funds against the warehouse receipts. 

This innovative financing mechanism keeps farmers from selling their crops at once, especially when prices are low.

Before Kissandhan vs After Kissandhan