Kshema Landing

A friend in every weather

Kshema builds customized insurance products for farmers and cultivators in the Indian Food & Agriculture Sectors

Kshema Bharosa

Extremes se Suraksha

Extreme climate events and related perils can wreak havoc on your cultivation output. We are committed to helping you shield yourself from financial distress with our localized insurance products for your cultivation.

Our planet needs humanity!

We are doing our bit. Our work offers Financial Resilience to Cultivators, combats Climate Change, promotes Rural Entrepreneurship and enables Women Empowerment.

The power of images, data transparency and climate modeling excellence

iAGRI, our proprietary platform, specializes in data-driven risk management solutions for the insurance markets, using cutting-edge AI-based algorithms to assess, model and price insurance risks adequately.

Kshema In Numbers

Number of Farms Geo-tagged
Million Acres Geo-tagged
Micro-Climatic Zones Covered

Kshema Product Categories


Protect your farms from extreme climate events.


Recover your expenses in the event of loss.


Protect yourself from loss of livestock and yield loss.

Farm to Fork

Comprehensive end-to-end cover for cultivators.


Our people make a difference every day. What do you want from your career?

Kshema Blog

iAGRI – A location-aware ESG-focused Risk Assessment Mode

At Kshema we have a proprietary framework that fundamentally and systematically includes location aware ESG issues in risk analysis and shape our value decisions. This allows us the benefit of drawing evidence-based results as opposed to heuristic decision making. The … Read More

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Protecting the Food and Agriculture Ecosystem

Climate change is real, and the Food and Agriculture Ecosystem needs loss mitigation in the face of increasing incidence of high risk extreme climate events. Living through a cyclone or flood can be a nightmare, especially in the rural areas … Read More

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Why does India need an evolved protection framework for cultivators?

As a predominantly agrarian economy where the sector employs 47% of the workforce, India relies on the cultivator for its food security. While there are many measures at a federal level that protect the interests of the cultivators, there is … Read More

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