Agribusiness | Agriculture Finance | Banking & Project Appraisal Expert
Shivam has experience in agriculture finance, banking, credit appraisal and agribusiness project assessment. He holds a BSc (Hons) in Agriculture, completed in 2023, and an NPTEL certificate in Organic Farming for Sustainable Agriculture Development.
His experience covers a wide range of agriculture and allied-sector projects, giving him practical insight into how different agriculture businesses are planned, financed and assessed. His exposure includes dairy, goat farming, fisheries, farm mechanisation, solar energy, food processing, warehousing and projects supported under the Agriculture Infrastructure Fund (AIF) and other relevant government programmes.
Experience in Agriculture Finance & Project Appraisal
Shivam has worked with a wide range of priority-sector agriculture loans and gained experience in understanding how banks assess agriculture and agribusiness proposals. His areas of knowledge include project costs, financial projections, cash flow, profitability, repayment capacity, borrower contribution, project risks and the overall financial viability of a business.
He has studied and assessed around 40 agriculture and agribusiness project reports across different sectors. This has helped him understand both the financial side of a project and the practical factors that can affect its success.
A project may look attractive because of high projected income or profit. But realistic costs, reasonable assumptions, market conditions and repayment ability are just as important. Shivam’s approach is to look beyond the figures and understand whether the business makes sense in practice.
A Farming Background
Shivam’s connection with agriculture started well before his professional experience in agriculture finance. Coming from a farming background, he spent many years helping his father on the farm and gained first-hand experience of agricultural work.
His formal education in agriculture and later experience in agriculture finance brought together two different perspectives. This allows him to look at an agriculture business from the viewpoints of the farmer, entrepreneur, banker, buyer and seller.
This combination is central to the way he approaches agribusiness and financial decisions.
Why Shivam Created AgritechKart
Shivam created AgritechKart to share his knowledge with farmers, young entrepreneurs and learners interested in agriculture business and finance.
He believes that people planning an agriculture business need more than a list of investment costs and expected profits. They need to understand how the business works, where the money goes, what assumptions are being made, what risks may arise and whether the numbers are realistic.
Through AgritechKart, he aims to explain agribusiness ideas, agriculture loans, Kisan Credit Card, project reports, agriculture finance, banking and business planning in simple and practical language.
What You Can Expect From His Articles
Shivam’s content focuses on making agriculture finance and business concepts easier to understand. His articles use practical examples, simple explanations and financial thinking to help readers evaluate opportunities rather than simply accept numbers presented on paper.
The goal is straightforward:
Understand the opportunity. Check the numbers. Think about the risks. Make a better decision.
Explore AgritechKart
Discover practical information about agribusiness, agriculture finance, agriculture loans, project appraisal and agriculture business planning.