See every financed field, all season long.

• 01Field officers can't visit every field every month.
• 02Repayment dates are often set by the calendar, not the crop.
• 03By the time a loan is overdue, the crop failed months ago.

A Kisan Credit Card loan is really a bet on a field. The branch sees the sanction and the repayment. Everything that happens in between, the sowing, the rains, the dry spells, the harvest, stays out of view.

1. 28 Jun

   Sowing confirmed

   The parcel greens up within the expected window for soybean.

2. Jul - Aug

   Growth tracked

   Crop health compared with the village average after each clear pass.

3. 02 Sep

   Dry spell flagged

   Index drops on cotton parcels after 19 days without rain.

4. 05 Sep

   Officer visit

   Photos and notes from the field join the loan file.

5. 18 - 25 Oct

   Harvest

   Expected window from the district crop calendar and imagery.

6. 30 Oct

   Repayment after sale

   Reminder goes out once the produce has been sold.

Reminders go out after the expected harvest and sale, not on a fixed date when the crop is still in the field.

Soybean comes off the field in October. Cotton is picked in rounds until January. Rabi onion is sold in spring. One due date for all three makes no sense to the farmer, and it shows up later as avoidable overdue.

“Flags are for helping early, not for pressure.”

• The visit list is built from flagsFlagged parcels come first, ordered by route, with the reason for each visit.
• Photos are geotaggedEach photo is checked against the parcel boundary before it is filed.
• Notes sync to the loan fileFarmer conversations, irrigation status and next steps, saved offline and synced later.

Every estimate is labeled as an estimate. Every flag is reviewed by a person before anyone acts. Land parcel details are used only with the farmer's consent, recorded at loan time, and deleted when the loan relationship ends.