SaakhSetu: AI Credit Scoring – Explainable AI credit scoring for agricultural lending

Summary: SaakhSetu is an enterprise AI platform that delivers explainable credit scores for farmers, enabling banks and financial institutions to process rural loans in under one hour. It integrates Government APIs and satellite data to generate transparent, auditable credit decisions, addressing India's agricultural credit gap.

What it does

SaakhSetu provides AI-driven farmer credit scores using Explainable AI frameworks like SHAP and LIME, combining legacy banking rules with Agri-Stack data and multi-spectral satellite imagery to produce transparent, auditable reason codes for each score.

Who it's for

The platform targets banks, NBFCs, cooperative banks, and regional rural banks seeking to streamline agricultural loan appraisals and reduce manual processing times.

Why it matters

It reduces loan appraisal times from 30-45 days to under an hour while lowering manual appraisal costs and supporting safer lending to underserved small and marginal farmers.