--- type: "industry" title: "Agriculture APIs | Rural Payments & Farmer DBT Cashout | Eko" description: "AePS DBT cashout, rural money transfer, and FPO payout APIs for India's agricultural sector. Works without smartphones. Covers PM-KISAN, MGNREGA, all DBT schemes." keywords: "agriculture api india, farmer dbt cashout api, pm-kisan withdrawal api, aeps agriculture, rural fintech api india" slug: "agriculture" category: "sector-specific" canonical: "https://eps.eko.in/industries/agriculture" --- > **Canonical URL:** https://eps.eko.in/industries/agriculture > _This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above._ # Agriculture APIs for rural financial services & farmer payments Connect India's 140 million farming households to financial services — DBT cashout, last-mile money transfer, cooperative KYC, and FPO payments — using only Aadhaar and a biometric device. To get started, fill the form at https://eps.eko.in/signup (with your name and mobile number) or call us at +919513181707 ## Trust Signals - Trusted by 50,000+ businesses - RBI compliant - 99.9% uptime ## The Challenge India's agricultural sector receives over ₹2.5 lakh crore annually in government transfers — PM-KISAN, MGNREGA, PM Fasal Bima Yojana, and state DBT programs — yet millions of farmers still travel 20–30 km to the nearest bank branch to access their own money. Biometric cashout at local agent points solves this, but requires certified AePS infrastructure that most agri platforms lack. For agri-fintech, FPO lending platforms, and input finance companies, the challenge is assessing creditworthiness of farmers with no credit bureau history and verifying Jan Dhan accounts with minimal transaction history. Eko's agriculture stack addresses both the access problem and the credit assessment problem from one integration. ## Recommended Solution Packs ### Rural Financial Services Pack _(featured)_ AePS cashout, Aadhaar KYC, and money transfer for rural platforms — works without a smartphone. **Includes:** AePS Cashout, Aadhaar Verification, Bank Verification, Fund Transfer [View solution pack](https://eps.eko.in/solutions/rural-financial-services-pack) ### DBT Cashout Pack Enable farmers to withdraw PM-KISAN, MGNREGA, and state-DBT benefits at local agent points. **Includes:** AePS Cashout, Aadhaar Verification, Bank Verification [View solution pack](https://eps.eko.in/solutions/dbt-cashout-pack) ### MFI Field Operations Pack Digitize Kisan credit disbursals and field collections for agricultural MFIs. **Includes:** AePS Cashout, DMT, Bank Verification, PAN Verification [View solution pack](https://eps.eko.in/solutions/mfi-field-operations-pack) ## Recommended APIs | API | Description | Relevance | Link | Markdown Link | | --- | --- | --- | --- | --- | | AePS Cashout | Biometric DBT withdrawal — farmers access PM-KISAN, MGNREGA at village agent points | High | [Details](https://eps.eko.in/products/aeps-api) | [Markdown](https://eps.eko.in/products/aeps-api.md) | | Aadhaar Verification | eKYC for farmer onboarding — most farmers have only Aadhaar as ID | High | [Details](https://eps.eko.in/products/aadhaar-verification-api) | [Markdown](https://eps.eko.in/products/aadhaar-verification-api.md) | | Bank Account Verification | Validate Jan Dhan and cooperative bank accounts before DBT or payout routing | High | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) | | DMT | Instant cash-to-bank remittance for seasonal migrants and rural wages | High | [Details](https://eps.eko.in/products/dmt-api) | [Markdown](https://eps.eko.in/products/dmt-api.md) | | PAN Verification | Farmer identity for input credit and cooperative KYC | Medium | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) | | BBPS | Collect loan EMIs and cooperative dues digitally from rural borrowers | Medium | [Details](https://eps.eko.in/products/bbps-api) | [Markdown](https://eps.eko.in/products/bbps-api.md) | ## Use Case Scenarios ### PM-KISAN cashout at village level **Situation:** An agri-platform wants to enable farmers in 500 villages to withdraw PM-KISAN instalments without travel to banks. **Integration:** AePS-enabled village agents at local kirana stores. Farmers use Aadhaar + fingerprint; agents earn commission per transaction. **Outcome:** 80,000 farmer withdrawals per month across 500 villages. Average travel time reduced from 2 hours to 5 minutes. ### Input finance disbursals to FPO members **Situation:** A seed company extends input credit to 10,000 FPO members and needs to disburse directly to individual farmer accounts. **Integration:** Bank Account Verification confirms Jan Dhan accounts for all 10,000 farmers. Fund Transfer disburses credit directly — no cash handling by FPO managers. **Outcome:** Input credit disbursal time from 3 weeks to same-day. Zero misappropriation incidents. ### Agricultural MFI field collection **Situation:** A Kisan credit cooperative collects weekly EMIs from 5,000 farmers across 50 villages. **Integration:** Field officers use AePS biometric collection app. Each repayment is biometrically authenticated and instantly reconciled. **Outcome:** Cash handling eliminated. Collection efficiency improved from 78% to 96%. ## Integration Steps 1. **Sign Up** — Create an account on Connect App and get your sandbox credentials. 2. **Submit KYC** — Complete your business KYC verification process. 3. **Integrate APIs** — Use our comprehensive documentation to integrate the APIs. 4. **Test in Sandbox** — Test your integration thoroughly in our sandbox environment. 5. **Go Live** — Get production credentials and start processing real transactions. ## Compliance ### NPCI AePS guidelines Eko's dual-gateway AePS (FingPay + FINO) meets all NPCI OC 88/91 compliance requirements. ### RBI BC framework Village agents operate under Eko's BCNM licence — no separate bank license required. ## FAQs ### Does AePS work in areas without 4G connectivity? Yes. AePS needs only a minimal 2G data connection. Eko's dual gateway (FingPay + FINO) provides fallback for maximum success rates in low-connectivity zones. ### How do village agents earn commissions? Agents earn ₹5–25 per AePS transaction and ₹10–30 per DMT transfer, settled daily to their Eko wallet or bank account. ### Can I assess farmer creditworthiness without a bureau score? Yes. AePS transaction history and bank account verification can proxy income signals. For FPO lending, GST verification of the FPO entity supports credit assessment. ## Related Industries - [Microfinance](https://eps.eko.in/industries/microfinance) ([markdown](https://eps.eko.in/industries/microfinance.md)) - [Agent Networks (CSP/BC)](https://eps.eko.in/industries/agent-networks-csp) ([markdown](https://eps.eko.in/industries/agent-networks-csp.md)) - [Kirana & Retail](https://eps.eko.in/industries/kirana-retail) ([markdown](https://eps.eko.in/industries/kirana-retail.md))