Empowering every pillar of India’s dairy economy from the farmer to the financier
Empowering every pillar of India’s dairy economy from the farmer to the financier
Serving the underserved with purpose, precision and presence
Despite being the largest in the world, India’s dairy sector, including women, smallholders and first-time borrowers, remains deeply underserved by formal finance.
mooPay exists to change that reality. We align the interests of farmers, dairies and lenders to create a win-win ecosystem. From sachet-sized feed loans to multi-lakh infrastructure credit, our phygital model is inclusive, scalable and rooted in rural realities.
Whom we serve
Dairy farmers
Empowering the backbone of India’s dairy
For India’s dairy farmers, finance is not a luxury; it is a lifeline. Without access to affordable credit, they often turn to high-interest informal loans, which erode profits and limit growth. mooPay resolves this problem.
The challenge
- Daily milk income, but lump-sum expenses for feed, cattle, and emergencies.
- Reliance on informal moneylenders charging 24–60% interest.
- Lack of financial literacy and collateral keeps banks out of reach.
How mooPay helps
Doorstep finance
No more traveling miles for a loan or bank account
Transparent, quick loans
20 minutes for sanction, 48 hours for disbursement
mooScore™ advantage
Farmers with no credit history get a fair chance
Flexible loan options
From small working capital to cattle, feed, and farm improvement loans
Insurance & safety nets
Cattle, health, and life coverage to protect families
Relationship managers
Local guides who speak the farmer’s language
Impact for farmers
Higher milk yields (by affording better feed & healthcare)
Reduced stress and freedom from debt traps
More time for family and farm instead of chasing lenders
For farmers, mooPay is not just finance – it’s freedom.
Strengthening milk supply chains
The success of dairies and milk unions depends on a stable and productive farmer base. This can be challenging when farmers lack liquidity. We enable a stronger, more engaged farmer network that improves supply consistency and quality.
The challenge
- Farmers shifting to private buyers due to delayed payments.
- Difficulty in ensuring loyalty and consistent milk supply.
- Lack of digital records weakens trust and scalability.
How mooPay helps
Direct farmer payments
Instant, transparent payouts build trust
Financially secure farmers
more stable and loyal suppliers
Digital data trails
Strengthens traceability and compliance
Ecosystem building
Unions positioned as farmer-friendly institutions
Impact for dairy unions
diversion
relationships
Better reputation in the cooperative ecosystem
mooPay helps unions retain farmers and build long-term loyalty.
Lenders & banking partners
Expanding financial inclusion
For lenders, rural dairy finance is a vast, high-potential market that often remains untapped due to data and collection challenges. mooPay bridges this gap, making rural lending low-risk, high-return and scalable.
The challenge
- High cost of rural outreach
- High risk of defaults without data
- Difficulty in tapping into the huge but unserved dairy credit market
How mooPay helps
mooScore™-backed credit intelligence
reduces NPAs
End-to-end digital platform
From KYC to disbursement to repayment
Low-cost customer acquisition
Reach millions of farmers without physical branches
Priority sector lending compliance
with measurable impact
Impact for lenders
New customers at scale
Lower default risk
Stronger ESG & financial inclusion credentials
mooPay unlocks the untapped rural lending market safely and profitably
Beyond our core
stakeholders
Input suppliers & rural entrepreneurs
We empower feed distributors, veterinary suppliers and rural retailers to keep essential products available for farmers
Women in dairy
Over 50% of our borrowers are women. More than half take repeat loans – reflecting trust and tangible results
Insurance partners
We bundle cattle and climate insurance with loans to protect incomes, safeguard assets, and give lenders added confidence
Our purpose
To transform India’s dairy sector into a financially empowered engine of rural prosperity – one farmer, one loan, one village at a time.
