Farmers · Finance, insurance & buyback
Financed. Insured. Bought back.
The three risks that stop a farmer from changing are money before sowing, weather during the season and price after harvest. BhoomiSeva takes care of all three before your first input is applied.
Three protections
Money, weather and price, handled up front.
Protocol finance
A loan for your farm, paid straight to suppliers, never as loose cash. Repaid weekly on fresh-vegetable farms, at harvest for oilseeds. Coming soon.
Crop and family insurance
Climate-resilience cover for your crop and life cover for your family, for the season.
Guaranteed buyback
Your produce bought at the farm gate at mandi +10% and more, at a price agreed before you sow.
Protocol finance · coming soon
Financed, not funded. Repaid from what families booked.
The lender pays for your farm directly, never as loose cash. How you repay depends on what you grow: every week for fresh vegetables, at harvest for oilseeds and other crops sold as branded products.
Fresh vegetables · Shri AnnaSeva Farm
- 1
Fifty families book your acre
Their money is blocked a quarter at a time, before you sow.
- 2
Your setup is financed
Drip, trellis, nursery and the first eight weeks of inputs, about ₹2 lakh, paid to suppliers.
- 3
You deliver every week
Harvest the day before, graded at your farm shed. One Acre Rate of ₹30 a kg for every vegetable, plus a ₹4 Harit Bonus.
- 4
A small instalment first, the rest to you
BhoomiAahar pays the lender's weekly instalment from your weekly payment, and the balance reaches you the same week.
Oilseeds and branded-product crops · subject to confirmation
- 1
Families book the finished product
For example a cold-pressed oil basket. Their money is held for up to 9 months through our partner KAMALO.
- 2
Your season's protocol is financed
About ₹35,000 an acre, delivered in four stages through the Kendra.
- 3
Your harvest is bought back
At mandi +10%, a quality bonus and a 5% share of the MRP of the oil your seed becomes.
- 4
The loan clears at source
The loan is deducted from the buyback payment and the balance is paid to you.
Status
Both farm loans are coming soon.
They are being set up with a partner lender for the coming seasons, and the first Shri AnnaSeva farms are being set up with Warkem Biotech. Farmers who register early get them first.
Register early Pre-apply for a farm loanInsurance
A protected crop and a protected family.
Crop insurance
- Climate-resilience cover for the sown area
- Enrolment opens before sowing; policies are issued at sowing
- Weather and crop risk reviewed mid-season
- Claims assessed and settled after harvest, where needed
- DigiSafe, underwritten by Bajaj General Insurance
Family life cover
- Life cover for enrolled farmers and their families
- Arranged for the season through a life insurance partner
- Part of your Harit Kranti 2.0 Farmer Membership
Guaranteed buyback
Your price is agreed before you sow.
BhoomiAahar buys protocol produce at the farm gate. The price starts above the mandi and rises with quality.
- Buyback at the farm gate, with collection points fixed for your cluster
- A pre-harvest residue and quality test confirms eligibility
- Quality incentive slabs are shared with you before harvest
- Payment against the agreed, quality-linked price
Illustration, per ₹100 of mandi price
The quality bonus depends on the grade of your produce. The MRP share comes from the sale of the BhoomiAahar product your produce becomes.
Good to know
Questions farmers ask about money.
Can I get protocol finance today?
Not yet. Both farm loans are being set up with a partner lender for the coming seasons. Register early and you will be offered them first when they open in your area.
Will the loan be paid to me in cash?
No. Setup is paid to suppliers and protocol inputs are delivered through the Kendra, stage by stage. This keeps the money working on the farm and makes repayment simple.
How is the loan repaid?
It depends on your crop. On a Shri AnnaSeva vegetable farm, a small fixed instalment is taken from your weekly payment and the rest is paid to you. For oilseeds and other branded-product crops, the loan is deducted from the buyback payment at harvest and the balance is paid to you.
When is my buyback price fixed?
For field crops the price is linked to the mandi and agreed before you sow, and quality incentive slabs are shared with you before harvest. On a Shri AnnaSeva vegetable farm there is no mandi link: one Acre Rate for every vegetable, fixed once a year before Kharif, plus the Harit Bonus.
What if bad weather damages my crop?
Your crop is covered by climate-resilience insurance for the season. Claims are assessed and settled after harvest, where needed.
Do I have to sell everything to BhoomiAahar?
The buyback covers the produce from your registered protocol acre. Ask your Kendra about the terms for your crop and cluster.
Next steps
Secure your season before you sow.
We guide. The farmer grows. The family books ahead.
Ask BhoomiSathi on WhatsApp, or find the Kendra nearest to you — the first soil test is where it starts.