Founded in 2014

Initial investment in 2015, 2019

Board member: Jyotsna Krishnan

'Samunnati works with players across the agriculture and allied activities value chain by providing financial intermediation, market linkages and advisory services'

Company overview

Samunnati addresses the massive demand for financial and non-financial services by agriculture and allied supply chains in India that have been underserved by banking and other distribution channels. Samunnati integrates value chain parameters into the product construct and leverages the social capital and trade capital in buyer-seller relationships, by using non-traditional sourcing through community based aggregators and customized risk assessment measures. Their products are specifically tailored to factor in cash flow patterns, seasonality and the nature of collateral in these supply chains. Samunnati is Elevar's first investment focused on agriculture in India and leverages the inherent scalability of financial services business models to cater to a large, underserved segment with enormous potential.

Community served

Samunnati caters to underserved entrepreneurs at various levels of supply chains, such as, small and marginal farmers, agri traders, input suppliers, processors and aggregators by providing financial products and helping build critical market linkages. Samunnati’s customized products help improve efficiency, increase productivity and enhance income levels through access to quicker and more effective capital that aligns cash flows to the specific end-use pattern within the value chain.

The estimated credit potential in India for a few top value chains in Samunnati’s portfolio is over $30 billion.


Anil Kumar, Founder and CEO, has over two decades of experience in the banking and microfinance industry and is personally passionate about agriculture. His experience developing business models catering to the low income segment in this sector is particularly relevant for this venture along with his long standing career in retail banking. Prior to founding Samunnati, Anil was the CEO of IFMR KGFS and earlier in his career, he played a key role in managing ICICI’s agri-loan portfolio - both of which contributed significantly towards shaping his nuanced understanding of this segment.