Samunnati Investor

Financial, value-chain, and social-development solutions delivered through group companies, anchored by 100%-owned NBFC subsidiary Samunnati Finance.

Each Samunnati Finance loan account is assigned a named Relationship Manager who serves as the customer's primary point of contact for account servicing and transactional needs.

Before a loan agreement is signed, Samunnati's loan officers explain interest rates and charges in person, and every borrower receives a Key Fact Statement (KFS) and repayment schedule spelling out interest and charges.

Samunnati runs grassroots capacity-building projects aimed at strengthening the operational and leadership capabilities of the Farmer Producer Organisations it partners with.

For CSR and impact-focused partners, Samunnati positions the relationship as jointly building programs to improve livelihoods and development outcomes, rather than a standard vendor arrangement.

Samunnati's lending arm operates under a Non-Banking Financial Company license from the Reserve Bank of India, first received in 2016 -- the regulatory foundation for its credit business.

Samunnati presents its leadership bench as carrying a large combined base of experience across banking, agriculture and financial services.

Samunnati's built-up distribution network -- FPOs, farmers, SME/MSMEs, enterprises and corporates it has onboarded over time -- is a core origination and scale asset that would be costly for a new entrant to replicate.

Samunnati names its trade and embedded-finance technology backbone -- powering its marketplaces and embedded lending -- among its core differentiators.

The business operates through a set of specialised group companies -- Samunnati Finance (NBFC/lending), Samunnati Agri Value Chain Solutions (trading), Samunnati Agri Innovations Lab (SAIL), and the Samunnati Foundation -- letting regulated and non-regulated activities run under separate, purpose-built entities.

Samunnati's first green bond, per the company's own milestones timeline (2021).

Samunnati's first co-lending MOU, per the company's own milestones timeline (2021).

Samunnati Finance earns interest on term loans, receivables finance and other credit extended across the agri value chain, with the rate set through a risk-based pricing model built on cost of funds, margin and risk premium.

Beyond interest, Samunnati Finance levies processing/upfront fees, credit-monitoring and client-visit fees, on-boarding/documentation fees, and other transaction charges (pre-payment, cash handling, remittance) on its loan products.

Agri-tech and startup partners onboarded through Samunnati's Innovation & Research vertical share value with Samunnati under a fee-based model as they distribute through its FPO/enterprise ecosystem, generating recurring revenue for Samunnati.

For some enterprise strategic partnerships, Samunnati structures customised financing tied to the partner's cash flows instead of a conventional interest-bearing loan -- an alternate monetisation route alongside standard lending.

Samunnati Finance's standalone operating expenses ran at roughly 4.5% of assets in FY2024, down from 5.4% in FY2023 and 5.9% in FY2022, per CRISIL's rating rationale on the company.

As a lending NBFC, Samunnati Finance's largest input cost is its cost of borrowing from banks and debt-market lenders; CRISIL notes the group held this broadly steady through FY2024 even as the RBI repo rate rose.

Credit costs (provisioning and write-offs on the loan book) rose sharply to an annualised 3.4% in H1 FY2025 from 0.9% in FY2024, including a Rs 27 crore write-off, reflecting the asset-quality risk inherent in unsecured agri lending.