Buy Now Pay Later for Farmers

PrajaAgro BNPL lets you buy inputs at sowing time and pay after harvest — typically 4-6 months later.

Who is Eligible?

• Active FPO members
• Farmers with verified land records
• Previous-season good repayment history

How It Works

1. Apply — submit your land record + FPO ID in the app
2. Get approved — usually within 24 hours, based on your history
3. Shop — select "BNPL · Pay after harvest" at checkout
4. Repay — pay after harvest via UPI, bank transfer, or mandi proceeds

What Can You Buy on BNPL?

• Seeds (all categories)
• Fertilizers (urea, DAP, NPK, organic)
• Pesticides (up to ₹10,000 per season)
• Equipment rental (tractors, sprayers)

What Does It Cost?

• Interest: Subsidised by partner banks — currently 0% for FPO members
• Processing fee: None
• Late fee: Only if repayment is 30+ days overdue

Why BNPL Matters

A typical rice farmer needs ₹8,000-12,000 of inputs at sowing but earns only at harvest (4-5 months later). BNPL bridges this gap without the predatory rates of local moneylenders (often 36-60% per year).

Check your BNPL eligibility in the PrajaAgro app today.