Agriculture
Digital Land & Crop Verification
For KCC Loans
Business Background
Verifying land ownership and crop conditions for Kisan Credit Card (KCC) loans was a persistent challenge in remote and semi-urban regions of Andhra Pradesh. Traditional manual verification processes were slow, inconsistent, and lacked real-time visibility—leading to delays in loan disbursement, inaccurate credit evaluations, and a higher risk of defaults. To overcome these hurdles, a digital-first approach was needed to automate assessments, strengthen risk profiling, and accelerate loan approvals.
Lending Transformed
50%+
reduction in loan approval time
through automated digital verification
70–80%
increase in verification accuracy
using satellite and AI analytics
30%
drop in loan default risks
due to better-informed risk profiling
100%
digital audit trail
for transparency and compliance
Amnex Solution
Amnex introduced an AI-powered, geospatial intelligence platform to revolutionize land and crop verification. By using satellite-based crop monitoring and AI-driven health assessments, the system delivered accurate, real-time insights into farm conditions. Digital land verification reports combined historical satellite data with on-ground validation, while an integrated portal streamlined KCC tracking and farmer profiling. A custom analytics dashboard empowered banks with actionable insights into crop trends and land use patterns.
Impact
Faster Loan Processing
Automated land and crop validation cut loan turnaround time significantly.
Reliable Assessments
Satellite imagery and AI delivered pinpoint accuracy in verifying land ownership and crop status.
Smarter Credit Decisions
Real-time and historical insights enhanced data-driven lending strategies.
Reduced Manual Effort
End-to-end digital processes minimized human error and clerical work.
Lower Credit Risk
Risk profiling with anomaly detection flagged potential defaulters early.
Transparent Workflow
Secure digital platform ensured traceable, auditable verification flows.
Scalable Framework
Built to expand across geographies, adapting to diverse agricultural ecosystems.
