E-Kisan Upaj Nidhi

Published on 22 Mar 2025

• The Ministry for Consumer Affairs, Food & Public Distribution launched ‘e-Kisan Upaj Nidhi’.

• The digital platform seeks to facilitate farmers in obtaining post-harvest loans from banks against their stocks stored in the Warehousing Development and Regulatory Authority (WDRA) registered storehouses.

• The platform allows banks to offer loans against electronic negotiable warehouse receipts (e-NWRs).

• This initiative, featuring a no collateral, extra security deposit policy, aims to prevent distress sales by farmers, enabling better post-harvest storage opportunities.

• The farmers can thus easily store their produce and sell them at the right time and meanwhile obtain loans at a cheaper rate of around 7% from banks.

Keywords:

E-Kisan Upaj Nidhi agriculture Indian agriculture agriculture loan Loan Post Harvest loan Public Distribution System Warehouse Food security