Arya.ag Aims Rs 3,000 Crore Commodity Financing in FY26, Launches 25 Tech-Enabled Farm Centres

Arya.ag, a prominent Indian grain commerce platform, has set an ambitious target to achieve Rs 3,000 crore in commodity financing by FY26. This represents a significant increase from the Rs 2,000 crore recorded in FY25, highlighting strong growth. The financing is facilitated through its Non-Banking Financial Company (NBFC) arm, Aryadhan Financial Solutions Private Limited. Currently, Aryadhan's Assets Under Management (AUM) are between Rs 1,000-1,500 crore. Cumulatively, Arya.ag, in partnership with banks, has enabled financing worth Rs 8,000-10,000 crore against commodity receipts. Chattanathan Devarajan, co-founder of Arya.ag, noted that their financing cost is slightly higher than direct bank loans but offers substantial benefits.

The company manages approximately 3.5-4 million metric tonnes of commodities across over 3,500 warehouses nationwide. Arya.ag provides farmers with integrated solutions including storage, access to funds against stored commodities, and a platform to connect with buyers.

A major development is the launch of 25 Smart Farm Centres across India. These centres, developed with partners like Neoperk, BharatRohan, FarmBridge, Finhaat, Fyllo, and Arya.ag’s Community Value Chain Resource Persons (CVRPs), bring advanced technology and data intelligence to farmers. They offer services such as IoT-enabled soil diagnostics, hyper-local weather insights, drone imaging for farm analysis, climate insurance, and farmer training. These tools empower farmers to optimize cultivation decisions from sowing to financing. Arya.ag plans to collaborate closely with Farmer Producer Organizations (FPOs) and individual farmers, viewing this as a form of backward integration.

Impact: This initiative is expected to boost agricultural finance accessibility, improve farm productivity through technology adoption, and strengthen the rural economy. It enhances the value chain for farmers by integrating finance, storage, and market access. The growth in commodity financing also indicates a robust demand for such services. Rating: 8/10

Definitions: NBFC (Non-Banking Financial Company): A financial institution that provides banking-like services but does not hold a full banking license. They are regulated by the Reserve Bank of India. AUM (Assets Under Management): The total market value of assets that a person or entity manages on behalf of clients. Warehousing Receipts: Documents issued by a warehouse operator acknowledging receipt of specified goods for storage. They can often be used as collateral for loans. FPOs (Farmer Producer Organizations): Farmer-owned organizations formed to leverage collective bargaining power for better access to inputs, technology, and markets. IoT (Internet of Things): A network of physical objects ("things") embedded with sensors, software, and other technologies that enable them to connect and exchange data with other devices and systems over the internet. Drone Imaging: Using unmanned aerial vehicles (drones) equipped with cameras to capture aerial images or videos of land, crops, or infrastructure for analysis.