Smart finance to
enhance rural livelihoods
Smart finance to
enhance rural livelihoods
Empowering India’s dairy farmers with smart credit solutions
mooPay is India’s first and only fintech building asset and income-generating financial products exclusively for dairy farmers. Our offerings are designed to unlock potential at every level – from cattle ownership to dairy farm expansion – ensuring financial stability and growth for farmers, and secure, impactful lending opportunities for our partners.
Direct Farmer
Payments
Banking
Services
Cattle and Sachet Loans
Insurance
Products
Explore our services
Dairy loans
Credit solutions tailored for dairy farmers
A full-stack platform of credit, banking, and insurance solutions, embedded in the dairy ecosystem.
Cattle Purchase Loans
mooPay’s flagship loan product helps rural dairy farmers buy new milch cattle – turning them into income-generating assets from day one. With structured repayments, the cattle becomes debt-free by the end of the term and continues to provide income. The product aligns with mooPay’s vision of enabling productive asset ownership for long-term rural financial stability.
Loan size:
Repayment period:
Loan purpose:
Insurance:
Why partners prefer it
- Fully asset-backed lending with direct income linkage
- Insured asset lowers lending risk
- High repayment motivation through income dependency
- Strong field verification and utilization monitoring by mooPay
Sachet Loans
A micro-loan product enabling farmers to meet everyday dairy needs – from feed and nutrition to minor equipment and health care. It helps improve milk yield and operational efficiency. These loans are digitally disbursed and recovered with minimal turnaround time, ensuring seamless support for uninterrupted dairy operations.
Loan size:
Repayment period:
Loan purpose:
Why partners prefer it
- High-frequency lending with strong repeat usage
- Targets productive use-cases with visible short-term ROI
- Embedded in dairy value chain through mooPay’s milk payment system
- Digitally trackable usage patterns
Farm Improvement Loans
This loan product is tailored for progressive farmers aiming to scale. Customers use this to purchase at least three new cattle (insured), and upgrade farm infrastructure, including milking machines, cattle sheds, fodder cutters, bio-digesters or solar chillers. These investments lead to better hygiene, higher milk yield and operational efficiency – helping to transform a small dairy into a commercial-grade unit.
Loan size:
Repayment period:
Loan purpose:
Insurance:
Why partners prefer it
- Larger loan ticket with diversified asset use
- Targets high-potential farmers with proven repayment history
- Insurance, utilization checks, and income visibility enhance creditworthiness
- Enables partnerships with agri-input and machinery brands
Milk Receivable Financing (MRF)
This is a working capital solution embedded within the dairy payment cycle. mooPay enables instant loans against milk poured but not yet paid for. Instead of waiting 10-15 days for their milk payments, farmers can access funds within minutes, for short-term emergencies or cash flow needs. The loan is auto-settled from their upcoming milk cycle payment.
Loan size:
Repayment period:
Loan purpose:
Repayment:
Why partners prefer it
- Zero-default product with in-built repayment mechanism
- Real-time disbursement linked to verifiable milk quantity
- Ideal for building short-term credit books with quick turnover
- Strengthens engagement with dairy partners
Agent banking services
Banking made hyperlocal, right at the milk collection point.
mooPay brings last-mile banking to dairy farmers by embedding financial services within village dairy networks. Our agent-led model turns milk collection points into mini banking hubs – removing the need for travel, queues, or digital know-how.
Key offerings
Instant account
opening
Farmers can quickly open Aadhaar-linked savings accounts at local milk centers.
Easy cash in/out
(AEPS)
Our agents help with cash transactions using Aadhaar biometrics, even in remote areas without ATMs.
Hassle-free money
transfers
Send money anywhere in India securely, without smartphones or apps, through assisted transfers.
Why agent banking matters
Solves for low ATM and bank penetration in rural areas using AEPS-enabled cash access.
Eliminates long-distance travel and queues for farmers for basic banking tasks.
Deepens farmer-MSP engagement and loyalty through financial access at dairy points.
Generates additional income for MSPs in the form of commissions.
Frequent visits to the center lead to improved milk pouring, record-keeping and financial activity.
Channel financing
Powering the rural dairy supply chain with seamless working capital
mooPay’s Channel Financing bridges liquidity gaps for dairy input sellers, ensuring timely credit for distributors and retailers of feed, medicines, and supplies – so farmers get what they need, when they need it.
Key offerings
Distributor financing
Short-term credit to help distributors bulk procure, restock quickly, and meet seasonal demand.
Retailer financing
Flexible loans for agri-retailers to maintain stock, serve farmers on time, and repay with ease.
Why Channel Financing matters
Prevents stockouts by keeping inventory flowing during peak demand seasons.
Strengthens the supply chain by ensuring all players are financially equipped.
Improves farmer access by keeping essential inputs available locally.
Boosts distributor and retailer earnings through smoother inventory cycles.
Offers flexible credit aligned with dairy business cash flows.
Insurance
Protecting rural livelihoods against loss, risk and uncertainty
mooPay’s insurance offerings ensure farmers and their assets are protected during shock events like cattle death or climate disruption, helping them bounce back with dignity and resilience.
Key offerings
Cattle
insurance
Mandatory cover that protects farmers from cattle loss, safeguards loans, prevents distress selling and supports quick recovery.
Climate parametric
insurance
Automatic weather-triggered payouts that shield farmers from climate risks, supplement income, and build resilience.
Why insurance matters
Protects both cattle and livelihood by safeguarding assets and ensuring cash flow.
Strengthens the credit ecosystem by lowering default risk and boosting lender confidence.
Reduces vulnerability by cushioning farmers during calamities and preventing poverty fallback.
Simplifies claims with parametric triggers and easy cattle insurance workflows.
Enhances farmer trust through timely support, driving engagement and repeat credit use.
CattleSure – Smart Inspection. Secure Lending.
CattleSure is mooPay’s AI-powered cattle inspection process that validates herd health, milk yield, and ownership before and after loan disbursement—ensuring fraud-free lending, verified income growth, and stronger portfolio quality.
Pre-Disbursement Inspection
(Existing Herd Validation)
Before a loan is sanctioned, every cattle in the farmer’s herd undergoes digital inspection.
Milk Yield & Income Check:
AI models estimate daily yield and validate income stability.
Health & Productivity:
300+ phenotypic traits analyzed (udder health, lactation stage, body condition, etc.).
Fraud Prevention:
Confirms cattle ownership, unique ID, and eliminates multi-loan misuse.
Post-Disbursement Inspection
(New Cattle Verification)
Purchase Verification:
Confirms that new cattle are genuinely acquired (cross-checked against central database).
Income Tracking:
Compares pre vs post disbursement milk yield to measure uplift in farmer income.
Portfolio Integrity:
Flags duplication or fraudulent entries in cattle records.
Outcome: Ensures funds are used correctly and verifies the income boost from new cattle.
How the Tech Works
360° Guided Video:
Farmers or field agents record cattle from all angles.
AI/ML Analysis:
Video is broken into images; 300+ phenotypic traits analyzed (breed, health, lactation, yield).
Instant Digital Report:
Results on valuation, health score, milk capacity, and reproduction potential.
Smart Decision Support:
Reports power automated credit decisions, insurance underwriting, and portfolio monitoring.
Real-Time Validation:
Instantly flags anomalies like duplicate cattle IDs or false claims.
Why It Matters
95%+
accuracy
in cattle identification and health assessment
Fraud-proof lending & insurance
through unique digital cattle IDs
Faster
TATs
for loan approvals and insurance issuance
Better portfolio outcomes
reduced NPAs, higher farmer incomes, stronger repayment ability
The mooPay advantage
Deep dairy sector focus
We serve only dairy farmers. Our product design, risk models, and customer service are all deeply tailored to this segment.
Secure lending
From asset-backed loans to insured livestock and digital traceability, we ensure capital security and predictable returns.
Ground-level network
Our presence at village-level dairy centers ensures high engagement, real-time monitoring, and seamless disbursements.
Tech-enabled platform
Fully digital underwriting, disbursement, repayment, and reporting system built for scale.
Repayment models
Designed for low risk & high efficiency
mooPay operates with two distinct sourcing and repayment structures, each tailored to the borrower’s profile and the partner’s operational model. These frameworks ensure predictable cashflows, minimal defaults, and smooth portfolio management – all while reducing the need for manual collections.
Deduction at Source (DAS)
model (dairy-linked lending)
This model is used when loans are sourced through a partner dairy network. Farmers regularly supply milk to the dairy, and their loan repayments are automatically deducted from their milk payout before the balance is transferred to them.
How it works:
- Farmer’s daily milk supply is recorded by the dairy.
- The agreed EMI is deducted at payout time.
- The balance amount is paid directly to the farmer.
Why it works:
- Predictable repayment cycle:
Perfectly aligned to the farmer’s milk pouring schedule.
- Minimal default risk:
Repayments happen before funds reach the farmer’s account.
- Operational efficiency:
No physical collection required; all deductions are system-driven.
e-NACH model
(Open market lending)
This model applies when loans are given to farmers outside a DAS-partner dairy network — for example, those selling milk independently or engaged in allied agri-livelihoods. Repayments are collected through e-NACH (National Automated Clearing House) mandates linked to the borrower’s bank account.
How it works:
- Borrower signs an e-NACH mandate during loan onboarding.
- On the scheduled EMI date, the amount is automatically debited from their bank account.
- Any missed debits trigger automated reminders and follow-ups.
Why it works:
- Expands partner access beyond dairy-linked borrowers.
- No cash handling or in-person collection needed.
- Works with any bank account-enabled borrower.
How it works:
- Farmer’s daily milk supply is recorded by the dairy.
- The agreed EMI is deducted at payout time.
- The balance amount is paid directly to the farmer.
Why it works:
- Perfectly aligned to the farmer’s milk pouring schedule.
- Repayments happen before funds reach the farmer’s account.
- No physical collection required; all deductions are system-driven.
How it works:
- Borrower signs an e-NACH mandate during loan onboarding.
- On the scheduled EMI date, the amount is automatically debited from their bank account.
- Any missed debits trigger automated reminders and follow-ups.
Why it works:
- Expands partner access beyond dairy-linked borrowers.
- No cash handling or in-person collection needed.
- Works with any bank account-enabled borrower.
mooScore™
The underwriting engine behind every mooPay loan
Every rupee we lend is backed by more than just paperwork — it’s powered by deep, data-led insights from the dairy value chain.
We built a contextual risk model, embedded within daily milk transactions, to assess repayment capacity with remarkable precision. Every lending decision is informed by real-time data, not just credit reports.
This approach allows us to:
Approve loans even for first-time borrowers
Align repayments with milk payment cycles
Minimize defaults by predicting risk upfront
What is mooScore™?
mooScore™ is a revolutionary, data-driven credit scoring engine designed for dairy farmers. mooScore™ translates milk data into financial identity — turning daily dairy activity into reliable credit decisions.
A credit score (300–900) is generated using:
- Milk pouring behavior: Regularity, quality (FAT/SNF), quantity, and earnings
- Demographics: Location, dairy affiliation
- Credit history: From bureaus like Equifax, if available
Why it works:
- Up to 40% auto-approvals using ML models like xGBoost
- Default rate < 2% across hybrid and new-to-credit segments
- 60% of NTC borrowers successfully included
- Better targeting for lenders in rural and semi-urban areas
Scoring segments:
700+
Auto-approved
550–700
Manual review
<550
High-risk
CattleSure – Smart Inspection. Secure Lending.
CattleSure is mooPay’s AI-powered cattle inspection process that validates herd health, milk yield, and ownership before and after loan disbursement—ensuring fraud-free lending, verified income growth, and stronger portfolio quality.
Pre-Disbursement Inspection
(Existing Herd Validation)
Before a loan is sanctioned, every cattle in the farmer’s herd undergoes digital inspection.
Milk yield & income check:
AI models estimate daily yield and validate income stability.
Health & productivity:
300+ phenotypic traits analyzed (udder health, lactation stage, body condition, etc.).
Fraud prevention:
Confirms cattle ownership, unique ID, and eliminates multi-loan misuse.
Post-Disbursement Inspection
(New Cattle Verification)
Purchase verification:
Confirms that new cattle are genuinely acquired (cross-checked against central database).
Income tracking:
Compares pre vs post disbursement milk yield to measure uplift in farmer income.
Portfolio integrity:
Flags duplication or fraudulent entries in cattle records.
Outcome: Ensures funds are used correctly and verifies the income boost from new cattle.
How the tech works
360° guided video:
Farmers or field agents record cattle from all angles.
AI/ML analysis:
Video is broken into images; 300+ phenotypic traits analyzed (breed, health, lactation, yield).
Instant digital report:
Results on valuation, health score, milk capacity, and reproduction potential.
Smart decision support:
Reports power automated credit decisions, insurance underwriting, and portfolio monitoring.
Real-time validation:
Instantly flags anomalies like duplicate cattle IDs or false claims.
Why it matters
95%+
accuracy
in cattle identification and health assessment
Fraud-proof lending & insurance
through unique digital cattle IDs
Faster
TATs
for loan approvals and insurance issuance
Better portfolio outcomes
reduced NPAs, higher farmer incomes, stronger repayment ability
