Aadhar India Works because
it's Unique and Sustainable

Helping Dairy Farmers in India get access to Working Capital and Loans.

Smart, Sustainable and Progressive

We make use of a proprietary underwriting process that combines demographic, economic, medical, behavioural, and credit history of the applicant to assign them credit scores.

Smart, Sustainable and Progressive

As a result, our risk exposure is significantly reduced in comparision to traditional microfinance institutions.

Extensive data collection makes household-level profiling possible, enabling Aadhar India to deliver highly customized solutions to customers. Applicants with low credit scores are educated on how to improve their score.

Truly Digital: End to End

Aadhar India offers end-to-end services to the customers at their doorstep, including the application process, document collection & verification, service delivery, and everything else.

Truly Digital: End to End

Aadhar India has deployed a service partner app to simplify the customer onboarding and loan management processes.

The customers too are able to track their loans, savings, and investments digitally through the dedicated customer app. They are now able to plan better and be more financially responsible.

Disruptively Efficient

We disburse 100% cashless microloans 70% faster than most other microfinance companies.

Even the repayment collections process is digitized and entirely cashless.

Disruptively Efficient

We eliminate redundancy, distributed infrastructure, and a bulk of the operational inefficiencies in the traditional microfinance structure.

The resulting cost savings enable to us to offer highly competitive microloans to our customers. As a result, we are able to maximize customer satisfaction which is guaranteed to improve customer retention.

Services tailor-made for the Small Dairy Farmer

Unlike the traditional channels, Aadhar India does not demand collateral from them. They are also not required to forgo daily wages by queing banks.

Services tailor-made for the Small Dairy Farmer

This also saves them the additional transaction costs involved with visiting branches miles away. Most important of all, Aadhar India’s financial solutions are tailored to each customer’s unique needs.

Cattle Industry is ripe for Re-evolution

India produces the most milk in the world, with 65% going through unorganized channels. Over 70 million people in rural India rely on cattle farming for their livelihood. However, poor infrastructure, cattle feed, and cattle breed result in an average productivity of cows of about 60% in India compared to the rest of the world. The impact of economic problems is most severe among the low-income groups. They are beleaguered by higher risks of health issues, poor quality education, limited opportunities, and lack of resources to uplift themselves. Even state institutions like banks do not lend them loans.

Our Vision

Our vision is to create a future where dairy farmers and cooperatives have the financial resources and tools they need to grow and prosper. We envision a world where the dairy industry is thriving in a sustainable manner, and where every farmer has access to the financial support and services they need to succeed. Through our commitment to innovation and excellence, we aim to play a central role in shaping the future of the dairy industry in India and beyond.

Our Mission

Our mission is to empower dairy farmers and cooperatives by providing them with innovative and accessible financial solutions. We are dedicated to making the financial process simple and straightforward, so that farmers and cooperatives can focus on what they do best: producing high-quality dairy products. We believe that access to financial resources is essential for the growth and success of the dairy industry, and our goal is to make these resources accessible to all