Daybreak India's farmers got faster loans. Then the prices crashed
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Nov 23, 2025 A new model is empowering Indian farmers with quick loans and proper grain storage, but the agricultural market faces a crisis. Prices have plunged to five-year lows, severely impacting revenue despite savings on interest. The podcast explores the innovative tech behind rapid loan approvals and the challenges farmers like Himanshu and Neetu face when prices drop drastically. It dives into the complexities of agricultural economics, highlighting how even the best lending strategies struggle against falling crop values.
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Farmer Gets Seven-Minute Loan
- Himanshu used Arya to deposit wheat and get near-instant loans, avoiding moneylenders' 36% interest and risk of land seizure.
- The digital, Aadhaar-OTP process credits money in under seven minutes, giving farmers quick access to cash.
Lease, Digitize, Scale Warehouses
- Arya scales by leasing underutilized warehouses and digitizing operations instead of building infrastructure from scratch.
- This partner-formalize-digitize-manage playbook lets Arya run thousands of warehouses and reach remote farmers.
Automate Quality Checks And Fast Loan Pricing
- Use AI-enabled scanners to assess grain quality, measure moisture, and set loan value quickly at intake.
- Calculate loans at 60–75% of grain value and automate disbursement to match moneylenders' speed.