Our Products

Our Flagship Product: ‘Unnati’ Co-branded Farmer Credit Card:

‘Unnati’ is a co-branded credit card is exclusively for farmers. The end-use of credit is primarily for the purchase of inputs at CreditAI powered Inputs Merchant Shops such as – Farmer Producer Companies (FPCs), Cooperative Societies, NGOs, Self-Help Groups (SHG) & Joint Liability Groups (JLG), Retail Input Stores, Inputs Dealers, Aggregators and Inputs Brands.

Unnati being a close-loop credit facility to farmer, use of this facility is limited to inputs purchases at digitally enabled point of sale on-boarded, enabled & operated by CreditAI. The farmer gets inputs without any hassles & in-time using Unnati cards. With lowest interest rates and quick
approval time, farmer is benefited every season or crop cycle.

Link to Unnati Farmer Credit Card:

  • Buy Inputs at your Nearby Store
  • Interest free up to 50 days
  • Interest Rate of 1.5% Per month post
  • Attractive Cash back and Reward Points
  • Easy Repayment options

Card Limit (Max)

₹ 20,000

Interest Free Days

50 days

Interest Per Annum


Attractive Reward Points

Up to ₹ 800 Per month Cash Back

Easy Repayment

with EMI Conversion options

Uniqueness of our Solution

  • CreditAI’s products enable unbanked and underserved farmers to transact cash-less and stay on-course with their cultivation activities without having to borrow loans from money lenders at higher interest rates.
  • CreditAI products do not compete with traditional crop loans or retail loans in the agri segment but create a unique space in the credit products segment.
  • CreditAI offers technology platform for banks to introduce new and innovative products.
  • Along with offering innovative products, the CreditAI technology platform enables merchants/input sellers to use our platform for revenue generation and manage business operations.
  • Our approach is: bringing over a change in the entire operational ecosystem and behavioural aspects of the agri credit segment.