← IndexNB.

Plate V · Selected work · Co-founder & Tech Lead · 2020–22

OneAgrow

A credit-led neo-bank for the farmers of India

Co-founded in my final year of college with a childhood friend, with angel investment secured right after graduation.

5,000+farmers banking
Hand-drawn field herbs — the apothecary of the venture
The field, banking rooted in soil

The chronicle

OneAgrow was a credit-led neo-bank for Bharat, providing comprehensive financial, payments, and upskilling services to farmers. I co-founded it in my final year at IIT Kharagpur with a childhood friend, and we secured angel investment right after graduation.

As a founder I was involved in everything, from the inception of the idea to business strategy and marketing, but my main responsibility was building the entire tech stack for the low-end devices of India's farmers, and managing the tech and graphic-design team. The result was a feature-rich progressive web app under one megabyte, built for cheap phones and slow networks.

ReactPWAFirebaseNode.jsNPCIIndusInd BankML

Gallery 01

Features

Crop insights in many languages, mandi prices, a social feed, the marketplace, the farmer's daily companion.

Features — figure 01
Features — figure 02
Features — figure 03
Features — figure 04
Features — figure 05

Gallery 02

Bharat Bill Pay Service

Launched with IndusInd Bank and approved by the NPCI: payments for farmers across 16 categories.

Bharat Bill Pay Service — figure 06
Bharat Bill Pay Service — figure 07
Bharat Bill Pay Service — figure 08
Bharat Bill Pay Service — figure 09
Bharat Bill Pay Service — figure 10

Gallery 03

Banking & upskill

Savings accounts and post-harvest credit through IndusInd Bank's APIs, alongside best-practice knowledge for 100+ crops.

Banking & upskill — figure 11
Banking & upskill — figure 12
Banking & upskill — figure 13
Banking & upskill — figure 14
Banking & upskill — figure 15
Banking & upskill — figure 16
Banking & upskill — figure 17
Banking & upskill — figure 18
Banking & upskill — figure 19