Samunnati secures ₹2,300 crore fund in FY25,12 new lenders

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Samunnati, India’s leading agri-value chain enabler, secures ₹2,300 crore fund in debt funding during the financial year 2024-25, marking a 50% increase from the previous year. This substantial capital raise has helped the company diversify its lending sources through debt market instruments, securitization, and enhanced bank exposure. Samunnati has onboarded 12 new lenders, expanding its total lender relationships to 46. The new lenders include major banks like the State Bank of India, Indian Overseas Bank, Federal Bank, Kotak Mahindra Bank, Karur Vysya Bank, and ESAF Small Finance Bank. Additionally, development finance institutions such as Blue Earth, USDFC, and Enabling Qapital, along with NBFCs like Piramal, Shriram Finance, and Ambit, have joined as lending partners.

Samunnati secures ₹2,300 crore fund in FY25,12 new lenders. The funding infusion has strengthened Samunnati’s liquidity position, allowing it to register a Gross Transaction Value of over ₹7,000 crore. The company also witnessed a 30% increase in its average Assets Under Management (AUM), now standing at ₹2,000 crore. Despite liquidity challenges in the financial ecosystem, Samunnati maintained an average monthly liquidity of ₹142 crore, a significant 65% increase from the previous year. The firm continues to focus on providing customized solutions to smallholder farmers, farmer collectives, and agri-enterprises. As part of its commitment to sustainable financing, Samunnati became the first NBFC in the agriculture sector to list a green bond on the Bombay Stock Exchange in FY25. With an additional debt pipeline of ₹600 crore lined up for the first quarter of 2025-26, the company is poised for continued growth and expansion in India’s agribusiness sector.

1. Samunnati: A Game-Changer in Agri-Value Chain Financing

1.1 Overview of Samunnati’s Working Model
Founded in 2014, Samunnati operates as an agri-value chain enabler, offering financial and non-financial solutions to small and marginal farmers, agri-enterprises, and supply chain participants. The company bridges critical gaps in agricultural finance, enabling farmers to access credit without traditional collateral constraints. By integrating innovative lending models with market linkages, Samunnati helps stakeholders across the agricultural ecosystem optimize their productivity and profitability.

1.2 Revenue Model and Financial Performance
Samunnati earns revenue through interest income from loans, transaction facilitation fees, and value-added services provided to farmer collectives and agri-enterprises. Its business model revolves around partnerships with financial institutions, leveraging structured finance solutions, and facilitating direct market linkages for farmers.

1.3 Founders and Leadership Background
Anil Kumar SG, the Founder and CEO of Samunnati, has a deep-rooted understanding of financial services and agribusiness. His expertise in structuring financial solutions for underserved communities has positioned Samunnati as a market leader in the agricultural finance domain.

2. The Funding Boost and Lender Expansion in FY25

2.1 Details of Samunnati’s Recent Fundraising
Samunnati secures ₹2,300 crore fund in FY25 through a diversified funding strategy that included bank loans, debt market instruments, and securitization. This marked a 50% increase compared to the previous fiscal year.

2.2 List of New Lenders and Their Role
The company added 12 prominent lenders, taking its total lender base to 46. These include:

• Banks: State Bank of India, Indian Overseas Bank, Federal Bank, Kotak Mahindra Bank, Karur Vysya Bank, and ESAF Small Finance Bank.
• Development Finance Institutions (DFIs): Blue Earth, USDFC, and Enabling Qapital.
• Non-Banking Financial Companies (NBFCs): Piramal, Shriram Finance, and Ambit.

2.3 Impact on Liquidity and Growth
With an improved capital structure, Samunnati maintained an average monthly liquidity of ₹142 crore, a 65% year-on-year rise. This has enabled higher lending capacity and increased Gross Transaction Value beyond ₹7,000 crore.

3. Samunnati’s Commitment to Sustainable Agricultural Financing

3.1 Role of Green Bonds and Sustainable Finance
Samunnati became the first agri-sector NBFC to list a green bond on the Bombay Stock Exchange in FY25. This aligns with its commitment to sustainable finance and environmental impact-driven growth.

3.2 Future Debt Pipeline and Expansion Plans
With a ₹600 crore debt pipeline planned for the first quarter of FY26, Samunnati aims to expand its reach across India’s agricultural value chains.

4. Learning for Startups and Entrepreneurs

4.1 Importance of Diversified Funding Sources
Startups should explore multiple funding avenues, including bank loans, debt instruments, and alternative finance options, to maintain liquidity and growth.

4.2 Leveraging Market Linkages
Creating direct market linkages enhances financial sustainability and strengthens business models, especially in sectors like agriculture.

4.3 Focus on Impact-Driven Growth
Businesses that prioritize sustainable and impact-driven solutions can build long-term resilience and attract institutional investors.

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