AI-verified land records for agri-lendingVerify the land,
Verify the land,
the ownership,
the crop history - before you approve the loan.
Bhoomikhata digitizes and verifies land ownership records and crop history, then generates a loan eligibility score grounded in actual land data. It is built for the lender's decision, not the borrower's day-to-day.
Parcel-level ledger
One record. One score.
Decision support, not autopilot
Reasoning is shown, not hidden.
OwnerRamesh K. Verified
Survey No142 / 3B Verified
Area2.4 acres Verified
RegionBhagalpur, Bihar Rain-fed
Crop history · 6 seasonsYield vs regional average
R '23Wheat
K '23Rice
R '24Wheat
K '24Rice
R '25Wheat
K '25Maize
76
Loan Eligibility
Eligible · land data supports underwriting
Explainable
OwnershipCross-checked against registry
Crop historyMulti-season, per parcel
ScoringExplainable, reasoning shown
Built forBanks, NBFCs, cooperative lenders
The gap
Agri-lending gets decided on records that are not really verified.
Field officers spend hours on documents that are already outdated. Underwriting inherits their guesses. The people best-placed to grow the book end up de-risking their way out of it.
01
Land records live in paper registers and half-digitized portals that never fully agree.
Reconciliation is manual02
A borrower's actual crop performance is invisible without a field visit that rarely happens.
Yield is assumed, not measured03
Eligibility gets decided on incomplete information, because verifying properly takes too long.
Speed wins over accuracy The sequence
Four stages. One parcel-level record. One score.
The engine works the way a careful loan officer would - if they had unlimited time. Every stage is inspectable, every field carries provenance, and the final score can be traced back to the record that produced it.
Stage 01 · Digitize
Land records into a structured ledger
Paper registers, PDF exports, and fragmented portal records converted into a normalised parcel record.
khasra: 142/3B
owner: Ramesh K.
area: 2.4 ac
owner: Ramesh K.
area: 2.4 ac
Stage 02 · Verify
Ownership cross-checked against registry data
Name, survey number, and holding compared against available government registry and survey records.
registry_match: PASS
mutation_gap: 0 months
encumbrance: none flagged
mutation_gap: 0 months
encumbrance: none flagged
Stage 03 · Track
Multi-season crop history per parcel
Season-by-season crop and yield patterns built from self-reported, satellite-assisted, and third-party data.
R'23 Wheat, K'23 Rice,
R'24 Wheat, K'24 Rice,
R'25 Wheat, K'25 Maize
R'24 Wheat, K'24 Rice,
R'25 Wheat, K'25 Maize
Stage 04 · Score
Explainable eligibility, reasoning shown
A single decision-support score generated from the combined record, with the full reasoning attached, not hidden.
score: 76 · verdict: Eligible
drivers: ownership, yield
flag: rain-fed exposure
drivers: ownership, yield
flag: rain-fed exposure
Under the hood
What the AI actually does, said plainly.
Not a generic document scanner and not a black-box risk model. A focused set of capabilities, each built for the specific question a credit team is trying to answer.
Land record digitization
Extracts structured fields from paper and fragmented digital records - owner, survey number, area, boundary, and mutation trail - into a single searchable ledger.
source: rtc.pdf · fields: 12/12 · confidence: 0.94
Ownership verification
Cross-checks extracted ownership against available registry and survey data, flags mismatches, missing mutations, and encumbrance signals - honestly noted per-region.
registry_match: PASS · mutation_gap: 0m · encumbrance: clear
Crop history tracking
Builds a multi-season crop and yield history per parcel from self-reported, satellite-assisted, and third-party agricultural datasets, with the data source stated on every reading.
seasons: 6 · sources: self, sat, agri · anomaly: none
Explainable eligibility scoring
Combines the verified record into a decision-support score, showing the drivers and flags behind it - not a single opaque number handed to the underwriter.
score: 76 · drivers: [ownership, yield] · flag: rain-fed
Two lending realities
Built for two kinds of agri-lender, not adapted from urban credit tools.
Cooperative lending is not just a smaller bank, and NBFC agri underwriting is not just consumer credit at scale. Both surfaces exist because both workflows exist.
Banks and NBFCs
Land-based lending, decided on verified records, not paperwork.
Integrate parcel-level verification into your existing loan origination flow. The land record, the ownership check, the crop history, and the eligibility score arrive as one object your underwriter can act on.
Cooperative Lenders
Verification and scoring built for cooperative-scale agri-lending.
A workflow designed for cooperative societies and rural credit bodies, not scaled-down consumer credit tooling. Field-officer friendly capture, batch verification, and a portfolio view for the credit committee.
VerificationOwnership cross-checked against registry data
HistoryMulti-season crop record, per parcel
ScoringExplainable eligibility with reasoning shown
Live sample verificationGive us a land size and a primary crop.
Give us a land size and a primary crop.
We will run the sequence in front of you.
No forms, no login, no email. Enter two values, watch the panel run its ownership check, crop history read, and eligibility score - the same sequence that runs on a real parcel record inside the platform.
An illustrative demonstration based on typical patterns, not a live read of an actual land record. Real verification runs on connected registry, survey, and remote-sensing data inside the platform.
Land size2.40 acres Read
Primary cropWheat Read
Yield signalYield above regional Rabi average Modelled
Risk kickerRabi-dominant cycle, stable price band Flag
77
Illustrative eligibility
Eligible
Reasoning shown