The AI Powered Agricultural Credit Assessment System for Banks and NBFCs
SaakhSetu generates Yogyank™, India’s first AI driven farmer credit entitlement score, enabling Banks and NBFCs to reduce appraisal costs by up to 90% and lower projected NPAs by 40 to 50% through fully Explainable AI (XAI).
- ISO 27001 Aligned
- Aligned with RBI FREE AI Framework
- Explainable AI (XAI)
- Credit assessment in under a minute
The Paradox
Growing Credit,
Deepening Exclusion
Despite significant policy initiatives and growing credit flows, India's agricultural credit system is yet to fully reach those who need it most.
The SaakhSetu Solution
A new, governance-first approach to agricultural credit assessment. We bridge India’s credit gap by uncovering true creditworthiness through intelligent, risk-factored assessments.
Competitive Advantage
Purpose-Built for Agricultural Credit.
Unmatched in Transparency.
SaakhSetu is purpose built for Indian agricultural credit and generates the Yogyank™ Score, a transparent farmer credit entitlement framework. By combining traditional banking wisdom with advanced AI, SaakhSetu enables accurate, compliant, and fully explainable credit decisions.
| Feature | SaakhSetu | Others |
|---|---|---|
| Explainable AI | Supported (✓) | Not Supported (✕) |
| Hybrid Architecture | Supported (✓) | Not Supported (✕) |
| Purpose-Built for Agri-Credit | Supported (✓) | Not Supported (✕) |
| Banking Integration | Supported (✓) | Not Supported (✕) |
About Company
Arbix AI Solutions is a Deep-Tech Fintech AI company headquartered in Hyderabad, focused on addressing one of India’s most critical challenges: the agricultural credit gap. We are a collective of seasoned bankers, technologists, and AI specialists united by the belief that responsible, governance-first technology can enable meaningful financial inclusion.
Transformative team of expertise
Built by Banking Experts,for Banking Leaders
SaakhSetu is the result of a rare synergy of expertise, brought to life by a founding team with a singular focus on solving India's agricultural credit challenge.
We've got answers
Your questions answered
Yogyank™ is an AI driven farmer credit entitlement score generated by SaakhSetu. Unlike traditional credit scores that rely primarily on historical repayment data, Yogyank is a forward looking metric that combines verified government data, satellite indicators, and market signals to assess a farmer’s repayment capacity and livelihood stability, particularly for agricultural borrowers with limited formal credit history.
SaakhSetu replaces manual field verification with Holistic Data Fusion. Instead of physical visits, the platform aggregates verified data from multiple sources, including Government APIs such as Agri-Stack and PM-KISAN, satellite imagery for crop and land indicators, and real time market data. This automated process feeds into the credit assessment engine, generating a comprehensive entitlement assessment in less than 60 seconds.
SaakhSetu builds a dynamic and contextual profile of each borrower by integrating multiple data signals, including soil health indicators, weather and rainfall trends, historical crop performance, market price movements, and lender provided information. This holistic approach enables a more accurate assessment of agricultural risk than template based methods
SaakhSetu uses a Hybrid AI Engine that combines traditional banking rules with advanced machine learning models. Rules based logic is applied for eligibility and policy checks, while machine learning models support deeper risk differentiation. This approach delivers materially improved predictive accuracy and consistency compared to legacy appraisal templates.
SaakhSetu delivers measurable operational and portfolio level benefits. Banks typically see a 75 to 90 percent reduction in appraisal costs compared to manual processes, along with significantly faster processing times. Improved risk differentiation also contributes to a projected 40 to 50 percent reduction in default rates over time.
High agricultural NPAs often result from limited information and delayed assessments. By analysing granular and contextual data related to farm conditions, weather variability, and market exposure, SaakhSetu improves early risk identification and supports more informed, risk based lending decisions before disbursement.
Yes. SaakhSetu is engineered for deployment in rural environments. The platform includes offline capable components that allow field staff to operate in areas with limited or intermittent connectivity. Data synchronises automatically once connectivity is restored.
SaakhSetu enables banks to confidently extend credit to underserved and thin file agricultural borrowers, including small, marginal, and tenant farmers. By providing fair and transparent risk assessments, the platform supports safer expansion of Priority Sector Lending portfolios while maintaining asset quality.
No. SaakhSetu is built on the principle of Explainable AI. The platform uses recognised explainability techniques to generate clear and auditable reason codes for every Yogyank score, enabling loan officers, auditors, and regulators to understand the basis of each credit assessment.
SaakhSetu is designed in alignment with the principles outlined in the RBI’s Framework for Responsible and Ethical Enablement of Artificial Intelligence. The platform emphasises transparency, fairness, accountability, and human oversight in AI assisted credit decisioning.
SaakhSetu follows an API first, microservices based architecture. It integrates with existing Core Banking Systems through secure standard APIs, enabling non disruptive deployment without requiring changes to legacy infrastructure or database migration.
SaakhSetu implements bank grade security controls, including encryption, role based access control (RBAC), and comprehensive audit trails. Data handling and storage are designed in accordance with applicable data localisation and data protection requirements, including the Digital Personal Data Protection (DPDP) framework.