Know when to hold, unlock fair working capital, and sell directly to verified buyers.
A good harvest shouldn’t end in a distress sale to pay off an informal moneylender. Sporos gives farmers and FPOs short-term mandi price visibility, transparent credit profiles built from real farm activity, and direct buyer matching.
Live Mandi Forecasts, Open-Book Credit Scoring & Direct Buyer Matching
This unified data desk puts institutional-grade market intelligence and transparent credit underwriting directly into the hands of farmers, FPO managers, and rural cooperative banks.
60-Day Mandi History + 21-Day Price Forecast
Late-rabi arrivals in Nashik belt are tapering 19% below 5-year average while southern buyer indent is rising.
Pune Gultekdi APMC net after ₹95/qtl transport: ₹2,340/qtl (+₹160/qtl net advantage today).
Plainspoken AI Credit Scoring for Thin-File Farmers
Traditional banks reject millions of hardworking smallholder and tenant farmers simply because they don’t have urban salary slips or CIBIL credit-card histories. Sporos builds a transparent, auditable credit picture from how a farm actually works — land records, seasonal crop continuity, and cooperative repayment habits.
Land & Lease Records
Verified 7/12, Bhulekh, or FPO-attested cultivation agreement showing parcel area and irrigation access.
3-Year Crop Cycles
Multi-season satellite NDVI harvest history proving the plot is actively cultivated every Kharif & Rabi season.
Repayment Patterns
Regular seed/fertilizer settlement at the FPO store and consistent bi-weekly milk pouring at the dairy society.
Crop & Herd Resilience
Mixed crop + dairy income stability and active PMFBY crop insurance enrollment protecting against weather shocks.
Pre-Approved up to ₹1,95,000 @ 7.0% p.a. (48-Hour Cooperative Disbursal)
Farmer Protection Guarantee: Farmers can see every single point in their credit file, correct any land-record error through their FPO desk, and share the report only with RBI-regulated cooperative and rural banks of their choice.
Two-Sided Supply-Demand Matching (Farmer ↔ Buyer)
Connects graded farm and FPO lots directly to verified flour mills, oilseed crushers, and regional retail chains — with AI-assisted fair-price recommendations so both sides settle quickly without multi-layer commission cuts.
Shramik Kisan FPO Lot #MH-408
18 Member Farmers · Niphad, Nashik
- Commodity: Lokwan Milling Wheat (Grade-A)
- Verified Volume: 120 Quintals (12 Metric Tons)
- Moisture & Foreign Matter: 11.1% Moisture · <0.8% FM
- Harvest Date: Satellite & Gate Verified · 18 Mar
Recommended Clearing Band
Includes +₹75/qtl low-moisture protein premium over local APMC modal price (₹2,540/qtl).
Sahyadri Roller Flour Mills
Verified Buyer #BY-902 · Sinnar MIDC (38 km)
- Active Indent: 100 – 250 Quintals Lokwan Wheat
- Quality Spec: Moisture <12% · Test Weight >78 kg/hl
- Pickup Logistics: Buyer-arranged 14-ton truck at FPO gate
- Escrow Status: Verified Cooperative Bank Escrow
Why institutional buyers and rural banks trust Sporos records
Every harvest lot and credit file on Sporos is backed by continuous seasonal telemetry — not a one-time self-reported form filled out on the day of a loan application.
Zero commission charged to smallholder farmers listing harvest lots through their village FPO.
Transparent open-book credit metrics — zero hidden algorithm scoring or commercial markups.