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Rajesh Kharche
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Tractor Days
Books by Rajesh Kharche

Tractor Days is a vivid journey into rural India, where the sun rises over fields of mustard and sugarcane, and the thrum of a tractor engine is as familiar as the morning rooster, lies a world rarely captured in literature; the world of rural finance. Tractor Days is a humble attempt to step into that soil. It is not about balance sheets or banking jargon. It is about people. Borrowers. Bankers. Dealers. Dreamers. And tractors—not just as machines, but

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Who Moved My Tractor ?
Books by Rajesh Kharche

This book depicts the tractor universe and its stakeholders' competitive nature. It weaves dependency and unravels the intense competition amongst lenders, dealers, manufacturers, and the linchpin of it all the user farmer. The book highlights the importance of understanding the tractor's vittanirbhar (financially dependent) nature as a machine. It also emphasises the importance of collaboration among all industry stakeholders in addressing some ethical

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MANAGING DEFAULT RISK IN KISAN CREDIT CARD
Books by Rajesh Kharche

In the field of agriculture finance, default is the most common occurrence. Default involves a great deal of learning for it. Each default tells its own story. There are numerous factors that influence defaults. Many factors have reasons that are primarily driven by lenders. The default may be genuine or intentional, but understanding its full composition is fascinating. From the lender's perspective, it's critical to understand some of the factors that have a

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CREDIT RISK MANAGEMENT IN CATTLE FINANCE
Books by Rajesh Kharche

Commercial banks and NBFCs are into dairy finance business since many years. Policy makers are consistently emphasizing on improving credit flow to dairy sector including all its sub segments. Recently government included working capital finance for dairy activity as one of the priority area and brought it within the ambit of interest subvention. Now Kisan Credit Card facility is available for dairy farmers. 

Every financer has explored lending to

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REVITALIZING AGRICREDIT THROUGH CROP ANALYTICS
Books by Rajesh Kharche

Crop analytics, from seeding to commodity marketing, provides numerous insights to various stakeholders, particularly lenders and bankers. The article discusses some of the current and anticipated future trends that will assist banks in managing crop cultivation finances much more efficiently. Adoption of analytics will herald a new era in crop loan/Kisan Credit Card (KCC) in the coming days. Various technology service providers have built their business model

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