Ayekart

Ayekart is full-stack agri-food fintech platform empowering traditional businesses across the agricultural value chain. The company combines technology, finance and supply chain solutions to bridge gaps between farmers, processors, distributors and retailers. With a mission to "fuel Bharat's food future," Ayekart operates in 19 states, serves 40,000+ merchants, and has processed over 600,000 transactions. 

Core Products and Services

• Ayekrishi (FPO Management): Digital tool for market linkage, procurement planning, and advisory support for Farmer Producer Organizations.

• Integrated Supply Chain Platform: Connects 2,000+ farmer groups with 500+ processors and 1M+ retail outlets for seamless sourcing, processing and distribution.

• Embedded Finance: Working capital loans, distributor financing and payment solutions via NBFC/bank integrations (e.g., virtual account numbers).

Business Model & Revenue Streams

• Transaction Fees (70%): Commission on B2B/B2C platform transactions.

• Embedded Finance (20%): Interest/share from loan facilitation.

• SaaS Subscriptions (10%): Premium features for FPOs/MSMEs.

Customer Segmentation

• B2B Focus: 95% revenue from FPOs, processors, distributors.

• Geographic Reach: 220+ pin codes; 60% revenue from Uttar Pradesh, Bihar, Odisha.

Top Clients & Partnerships

• Grameen Foundation: PaaS partnership extending Ayekrishi to 50,000+ FPOs, focusing on women empowerment.

• Chinnayya Adivasi Vikas Sangham: Co-bidding for government projects supporting tribal farmers.

• Nature’s Fresh Express: Supply chain integration for perishables.

• Financial Institutions: Siply, Caspian Debt and 10+ NBFCs/banks for embedded finance.

• Diversification: Top 5 partners contribute <30% revenue; merchant base spans 40,000+ entities.

Future Outlook & Strategic Priorities

• National Expansion: Target 25 states by 2025; scale retail network to 1M+ outlets by 2028.

• Export Market: Africa/Bangladesh entry via tech partnerships (Q3 2025).

• Product Innovation: AI-driven demand forecasting and carbon-credit financing.

• Operational Scalability: Managing fragmentation across 220+ pin codes.

• Regulatory Compliance: Evolving agri-finance norms (RBI, state-level).