Customized Solutions For Transforming Agriculture

1. CustomizedSolutions For Transforming Agriculture

2. Table of content About Us Challenges faced by Indian farmers Benefits of drip irrigation How it will help farmers? What we promote?

3. About Us - Financing Solutions For Climate Resilient, Future Ready & Profitable Farming. • NetafimAgricultural Financing Agency Pvt. Ltd. (NAFA) was promoted by Netafim Group, Israel to finance the stakeholders in micro-irrigation value chain. Netafim invented and pioneered the adoption of drip irrigation system across the world with the mission to promote a global change in the way water is used in agriculture. • One of the major hurdles in adoption, of micro irrigation by farmers, was their access to finance, hence Netafim decided to provide financial solutions to the stakeholders in micro irrigation value chain. NAFA, the Non-Banking Finance Company (NBFC) of Netafim Group, received the RBI license and commenced operations in March’2013.

4. Supporting Digitization & Automation Of Farming • Challenges faced by Indian farmers • Despite India being one of the largest producers of the horticulture crops, Indian farmers face various challenges to increase the yield output. The small segregated farms with low per-hectare yields are one of the major challenges for the Indian horticulture sector. Additionally, India stores only two percent of its horticulture products in temperature-controlled conditions, whereas China stores 15 percent and Europe stores 85 percent of its products in such facilities.

5. Supporting Digitization & Automation Of Farming • Moreover, the onset of COVID-19 pandemic has created additional supply-chain disruption for the horticulture farmers. Even though the farmers have adequate production, the logistical challenges have created a roadblock for fruits and vegetables to reach the urban consumers. While progressive Farmers/ FPOs have ventured to utilize the budding digitalization to reach the urban consumer directly through app and delivery capabilities, the marginal farmers are yet to gain the benefits out of the ‘new normal’ technology adaptations.

6. Benefits Of Drip Irrigation • Drip irrigation systems has a proven ability to increase productivity by utilizing an optimal quantity of water and fertilizers. According to the Economic Survey, 2020, the implementation of micro-irrigation systems has increased the water-saving by almost 50% and caused significant growth in the crop yields. Looking at these successful results, the Government aims to cover additional 2 million-hectare agri land under Drip irrigation systems per annum. • Adequate and timely availability of water is the one of the most pertinent issue that horticultural production is facing at present. Over the past few years, we have seen that many regions in India are facing extreme water scarcity. Hence, we need to drive the adoption of micro-irrigation systems in mission-mode. Indian farmers are willing to take up any technology that brings certainty of revenue in their life and adds economic value. Drip irrigation excels on both these fronts. Drip has visible and vast benefits, and this needs extensive propagation.

7. Why agricultural Term Loans are important in the present context • With the novel coronavirus slimming income generation opportunities for farmers, term loans seem to be the easiest path for gaining capital funds. • According to PRS Legislative Research, the agriculture sector’s contribution to India’s GDP has decreased from more than 50% in the 1950s to around 16%-17% now. There exist many reasons behind the cause of such decline, but one that sticks out like a sore thumb is the lack of monetary support. • The COVID-19 pandemic has forced agricultural supply chains to succumb to a rapid fall, further disrupting the livelihood of 70% of India’s rural households that depend primarily on agriculture. To upscale this landscape, funding for increased quality production and modern machinery use for value addition is necessary. • As opposed to other agricultural loans that only offer an 18 months repayment limit, long term loans allow farmers more time- 15 years; while also acting as a catalyst in their capital funds. Keeping in mind how the pandemic has put the world on hold, a more extended repayment period serves as a ray of hope for farmers barely getting by. Long-term loans will help them increase the credit flow and improve their livelihood by paving the way for dairy farming, irrigation, horticulture, animal husbandry, inland fisheries, etc.

8. Why agricultural Term Loans are important in the present context • Funds for farming equipment • In today’s fast-paced world, the agricultural supply chain has failed to keep up in terms of efficacy. With the quality, speed and value of production not favouring India’s farming sector, a boost in farm mechanization can lead to an unprecedented boom. • Purchasing lands • As long-term loans bring in capital, it allows farmers to purchase lands further used for cultivation. Owning a land brings long-term benefits for the farmers and provides crop cultivation to supplement the country’s exceeding demand in present times. • Aid in Horticultural Activities • An influx of capital funds via long-term loans will help farmers pay attention to the quality of their horticultural activities. • Provide Larger Scope for Dairy and Poultry Industry • As our country still stands to have the largest livestock population, long-term loans help explore dairy and poultry farming. • Assists in Fish Farming • Today, fish farming is said to be the fastest-growing sector in terms of food production. The long-term loan credit flow can cover the cost of operation, formulation, and financing. When the farmers have not availed any investments but needs working capital, long term loans again act as a saving grace.

9. How We Help Farmers With Our Smart Technology? • Almost 80-90% increase in water-use efficiency • 30% of saving in electricity cost per hectare (due to reduced hours) • 30% saving in fertilizer consumption • Almost 50% increase in productivity • All above resulting in boosting farmer income by more than 40%

10. What We Promote? Sustainable Agriculture Practices by promoting climate resilient technologies by focusing on using water efficiently to reduce negative impact on environment. Access to Financial Service To small holder farmers and Small & Medium rural agri enterprises Improving Farmer’s Income Level By helping him to adopt cash-crops, increasing crop-productivity and helping him to grow more with less

11. Thank you Netafim Agricultural Financing Agency Pvt. Ltd. (NAFA) Registered Office: 1602 & 1603, The Affaires, 16th Floor, Plot no. 9, Sector 17, Palm Beach Road, Sanpada, Navi Mumbai – 400 705, Maharashtra. Phone Number : +91-22-6170 7600 Toll-Free : 1800 2677762 Whatsapp : +91-8928493972 Email: info@nafa.co.in customercare@nafa.co.in Web: https://nafa.co.in