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Project description

EncureIT Brought Transparency to ~50 Lakh Crop Loans Across the State

The Hypothecation Tracking Portal is a digital platform that transforms how crop loans disbursed to farmers are managed, monitored, and regulated. With approximately 50 lakh loans distributed by banks across the state, the portal links bank claims to land records via the e-ferfar system, introduces a maker-checker verification workflow, and gives government, banks, and citizens a transparent view of loan status

Project showcase

/ Process /

Our Development
Process

Step 1

Conceptualisation

Mapping the crop-loan lifecycle and stakeholder needs (banks, government, farmers)
Defining maker-checker verification and claim rules
e-ferfar / Record of Right (ROR) integration requirements

Step 2

Design

Bank branch registration and authorization model
Claim creation, verification, and status workflows
MIS, dashboard, and citizen-access design

Step 3

Development

Claim generation with digitally-signed ROR verification
Bulk upload with data validation, fee/wallet management
API integration with e-ferfar; grievance routing

Step 4

Deployment

Bank branch onboarding and login provisioning
Government monitoring dashboards
Citizen access and complaint workflows

The Challenge

No Central Visibility Over Millions of Loans

~50 lakh crop loans across many banks had no unified, real-time tracking or regulatory oversight.

Weak Linkage to Land Records

Loans needed accurate, verifiable linkage to the concerned landowner's records to prevent errors and fraud.

Limited Citizen & Grievance Access

Farmers had little ability to view their own loan claims or raise complaints through a structured channel.

The Solution

Bank Registration & Maker-Checker Claims

Secure branch onboarding with authorized logins; claims created and verified through a maker-checker mechanism using digitally-signed ROR.

e-ferfar Integration via APIs

Claim information transmitted to the e-ferfar system to ensure accurate linkage against the landowner's extracts.

Bulk Upload & Validation

Banks upload historical loan data with validations; loan status confirmable up to 15 days post-tenure, with auto-removal of unconfirmed claims.

Citizen Access & Grievances

Farmers view and download their loan claims and file complaints routed to the bank's grievance redressal system.

MIS, Dashboards & Fee Management

Real-time statistics on banks, pendency, loan and landholder data; integrated wallet/payment gateway for per-claim fees.

The Results

Statewide Loan Transparency

A single portal for monitoring loans across all participating banks.

Accurate Land-Record Linkage

API-based e-ferfar integration tied claims to the correct landowner records.

Empowered Farmers

Citizens gained self-service access to claims and a formal grievance channel.

Regulatory Oversight

Government departments gained restricted MIS access for monitoring and compliance.

Background

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