Arya.ag

Arya.ag offers "storage solutions closer to farms" to reduce post-harvest losses and improve grain quality and marketability.

The platform "integrates storage with financing, enabling farmers to access loans within 30 minutes of depositing their produce at warehouses."

Arya.ag operates as a grain commerce platform that connects sellers and buyers of agricultural products, facilitating efficient commerce and reducing waste.

Arya.ag reaches between 850,000 and 900,000 farmers across 60% of India's districts, offering near-farm storage and credit access.

A DFC-backed debt facility was aimed at helping Arya.ag "connect farmers and farmer producer organizations (FPOs) with buyers nationwide, ensuring payment security, transaction transparency, and better market access."

Arya.ag is described as a grain commerce platform that connects agri producers (sellers) and buyers, providing assurance on quantity, quality and payments to both sides of the trade.

Farmers access loans within 30 minutes of depositing produce at Arya.ag warehouses, rather than through a manual/relationship-banking process.

Arya.ag engages farmers partly through Farmer Producer Organisations (FPOs) rather than purely one-to-one, to connect them with buyers nationwide.

Operates a physical network of agri-warehouses; the company currently functions in 60% of India's districts and manages over 11,000 agri-warehouses.

Aryatech is described as the group's agri-commerce/online marketplace subsidiary connecting farmers and FPOs with buyers nationwide.

Aryadhan is the group's embedded fintech arm used to expand financing to farmers through the platform.

Operating a network of agri-warehouses to provide near-farm storage that reduces post-harvest losses and improves grain quality and marketability.

Connecting sellers and buyers of agricultural products to facilitate efficient commerce and reduce waste.

Providing loans to farmers within 30 minutes of them depositing produce at warehouses, funded partly via its own balance sheet and partly via bank/DFI debt facilities (e.g. HSBC/GuarantCo, US DFC).

Key strategic initiatives for the Pre-Series D proceeds include deploying satellite technology to improve farm productivity, reduce waste, and increase transparency across the value chain.

Arya.ag manages over 11,000 agri-warehouses and operates in 60% of India's districts.

Aryadhan, the group's embedded fintech arm, disburses agricultural loans; Arya.ag disburses more than ₹110 billion (about $1.2 billion) in loans to farmers each year, with ₹25-30 billion of that from its own balance sheet.

Secured a $30 million debt facility from HSBC with backing from GuarantCo, to expand warehouse receipt financing and bridge payment gaps between farmers and buyers — GuarantCo's first-ever transaction in India's agritech sector and its first partnership with HSBC.

DFC provided debt financing as part of the 2022 Series C ($14M) and separately committed $19.8M in Oct 2024 to guarantee a debt facility for agri-commerce subsidiary Aryatech.

Arya.ag partners with FPOs to connect farmers with buyers nationwide as part of its market-access model.

Storage and warehousing income was Arya.ag's largest revenue contributor in FY24: Rs 212.8 crore, or 62.64% of total operating revenue (up 7.5% YoY).

Interest income on loans rose 27.2% to Rs 55.4 crore in FY24.

Fintrackr reports Arya.ag's take rate on its marketplace/commerce business improved to 3.8% in FY25 from 3.4% in FY24.

Cost of services was Rs 183.9 crore in FY24, representing 55.66% of total expenses (up 3.1% YoY).

Finance expenses (interest/borrowing costs) surged 56.3% YoY to Rs 60 crore in FY24.

Employee benefits expense rose 17.1% YoY to Rs 50 crore in FY24.