British International Investment

Greenizon Agritech Consultancy Private Limited

South AsiaCommunications & IT services

The company (which trades under the name ‘Jai Kisan’) offers financing solutions to the underserved, rural, agriculture value chain. It engages with and serves a range of individuals and organisations, including smallholder farmers, retailers, small and medium enterprise (SME) suppliers and agri-corporates.

Our investment

Description of the investment.

This investment is part of our 'VC Scale-up' strategy to support the growth of the most impactful companies in our venture capital funds portfolio. Our investment in Jai Kisan will contribute to improved economic opportunities for smallholder farmers and rural SMEs in India through the provision of a variety of financial services products.

Impact information

Applies to investments made from 2019 onwards. The tabs in this section define what we expect to achieve through the investment, assessing the potential impact of the investment against six dimensions of impact. You can find more details on our methodology of assessing impact here.


  • Improved economic opportunities for farmers through increased access to financial services (SDG 8.10)
  • Improved economic opportunities for SMEs through access to financial services and strengthened supply chains (SDG 8.3, 9.3)


Primary Secondary

This investment will help farmers access credit and other financial services (often for the first time), enabling increased productivity and income. In addition, Jai Kisan's financial services platform (Bharat Khata) allows rural SMEs to centralise business processes, gain access to supply chain finance and provide products to customers, enabling increased efficiency and incomes.

Demonstrate the commercial viability of financing farmers and the rural value chain through tech-based solutions, improving SME and individual livelihoods.


Stakeholder Geography Characteristics


Currently reaching over 75,000 farmers directly with access to finance. Of this client base, over 95 per cent own less than 2 hectares of land and over 50 per cent are accessing credit for the first time.



Currently reaching over 600 SMEs (e.g. retailers, traders, distributors, processors) operating in rural areas.

How much?

Scale Depth/Duration

Projected to reach over 13 million farmers and over 12,000 SMEs by 2025.

  • Depth of impact expected to be significant as over 50 per cent of customers are gaining access to financial services for the first time. In addition, impact should deepen over time as new products contribute to improved productivity and resilience.
  • Access to supply chain finance and other financial services should have a positive impact on SMEs, including increase in revenue and profitability.


  • Financial additionality: Capital is not offered in sufficient quantity.


Execution Risk
  • risk linked to future expansion into new areas and activities where the company does not yet have experience and track record.

Environmental and social information

  • Environmental and social summary

    A high-level description of the environmental and social aspects of the investment. This may include a summary of key environmental and social risks identified during environmental and social due diligence (ESDD); key elements of an environmental and social action plan (ESAP); or ways in which we plan to support the investee improve environmental and social standards, such as through their environmental and social management system (ESMS); as well as any other priority areas agreed with the investee.

  • Environmental and social risk

    A risk category rating, which indicates the level of environmental and social risk associated with an investment. For an explanation of the categorisations used, see here. We consistently provide an environmental and social risk category for all investments screened from 2023 onwards.

Environmental and social summary

We partnered with our fund manager to co-invest in this company, including by relying on our fund manager's ESDD. BII developed an environmental and social action plan with the investee, which included items related to applying our exclusion list, labour and working conditions, client protection / credit scoring processes and grievance management.

Environmental and social risk


Reporting and Complaints Mechanism

The Reporting and Complaints Mechanism allows anyone outside BII to report alleged breaches of the business integrity or environmental and social provisions of BII’s Policy on Responsible Investing. This includes breaches made by BII, a BII investee, or a portfolio company of a fund in which BII has invested. The Reporting and Complaints Mechanism Rules are available here. Reports and complaints can be submitted by email to [email protected] or by mail. See more details on our Reporting and Complaints Mechanism here.

For any other general enquiries contact us at [email protected]

  • Key facts

    First published

    When the investment was first published on the website database.

    July 2023
    Last updated

    When the last quarterly update of the website database occurred.

    March 2024
    Project number

    An identifier number shared by investments in the same project.


    The current status of the investment (green flag for active and red flag for exited).


    The geographical region where the country is located. We currently invest in Africa, South Asia, South East Asia and the Caribbean. In 2023, BII’s investment mandate was extended allowing it to invest in regional funds linked to Ukraine, with the majority of activity expected to begin post-war. Investments outside these regions were made prior to 2012 under previous investment mandates.

    South Asia

    We prioritise those sectors that facilitate development and need our capital the most. Our priority sectors contribute towards many of the Sustainable Development Goals. They range from investing in the power infrastructure that will provide people with better access to electricity, to investing in financial institutions that direct capital to the individuals and businesses that need it the most.

    Communications & IT services

    We provide capital in the following ways: directly – through direct equity, direct debt, guarantees and other non-intermediated financial instruments; and indirectly – principally through investment funds.

    For direct investments and fund investments, this is the date BII committed capital to the investments. This is typically the date on which legal agreements are signed by all parties.

    For the portfolio companies of our fund investments, this is the date (either the month or the quarter) on which the fund committed capital to the portfolio company.

    For direct equity investments, this is the date at which British International Investment exited the investment.

    For debt investments, this is the date at which the final debt repayment was made.

    For funds, this is the date at which the fund was terminated.

    For underlying fund investments, this is the date at which the fund manager exited the investment.

    The total amount committed, per financial instrument, per investment, on the date BII becomes subject to a binding legal obligation to provide funding or assume a contingent liability. This information is provided in US dollars.

    For direct investments, this is the amount that BII has committed to the business or project. For fund investments, this is the amount BII has committed to the fund.

    The currency in which the investment was made.

    Investment type :
    Start date :
    January 2023
    Amount :
    Currency of investment :

    The company or investment fund’s place of incorporation.


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