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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.
More importantly it is a unique approach that harnesses proprietary tools with the objective of increasing confidence, extending protection to more stakeholders by extending the analytical scope beyond traditional risk analysis and helps over the medium to long term.
Kshema is our proprietary location aware ESG tool that allows us to profile risk across all the grids encompassing every micro climatic zone in the country effectively covering our entire potential customer base.
It was built through collaboration of multiple Kshema (opens in a new tab) partners who are individual and institutional subject matter experts from across the globe.
An integrated approach enables the efficient risk profiling by ensuring material ESG risk and opportunities are adequately priced into insurance decisions.
When these risks are properly priced into the premiums – that is our opportunity to build long term sustainability for our investors and customers.
It is a structured framework that evaluates environmental, social, and governance risks to help businesses ensure compliance, sustainability, and resilience.
ESG assessments identify risks like climate impact, labor practices, and governance gaps, helping companies build trust and attract responsible investors.
It uses frameworks, data analytics, and materiality assessments to measure ESG risks, prioritize issues, and guide sustainable decision‑making.
“We do not assume any liability for any actions undertaken based on the information provided here. The information gathered from various sources and are displayed here for general guidance and does not constitute any professional advice or warranty of any kind.”
IntroductionIf you own a vehicle, understanding third-party car insurance is essential. It is the most basic form of motor insurance and is required by law for all vehicles driven on Indian roads.What This Blog Covers • What third-party insurance means and how it works. • Why it is considered mandatory car insurance in India. • The benefits, coverage, and limitations of this policy. • The consequences of ignoring the car insurance legal requirement.This guide provides a clear overview of the leg
Meri Fasal Mera Byora is a Haryana government initiative to benefit the farmers of the state. It is an important platform for crop registration and provides access to various government agriculture-related benefits. As the Kharif 2026 season is in progress, completing registration correctly can help farmers avoid delays in receiving support and scheme benefits by understanding benefits of insurance to farmers.What This Guide CoversWho should register for kharif 2026Documents and details required
IntroductionCrop Loss in Karnataka remains a critical challenge for farmers, especially during the kharif season when weather uncertainties are at their peak. Understanding the causes and taking preventive measures can significantly reduce risks and improve yields by understanding proven ways to protect crops.In this blog, you’ll learn:Major causes behind crop damage in KarnatakaKey Karnataka kharif crop risks farmers should watch out forPractical strategies to minimise losses and protect cropsP
IntroductionThe Rythu Bharosa scheme in Telangana continues to play a crucial role in supporting farmers during Kharif 2026. This is the Telangana government’s flagship farmer investment support scheme for seeds, fertilisers, and labour. By providing timely financial assistance, it helps reduce input costs and stabilise agricultural income and improve financial security through benefits of insurance to farmers.What this blog coversKey advantages of the scheme in Kharif 2026How Rythu Bharosa supp
IntroductionThis is our Maharashtra Kharif crops guide that can help the farmers of Maharashtra plan the upcoming monsoon season effectively. With the right crop choices, sowing time, and risk protection strategies, farmers can maximise yield and reduce uncertainty with the help of https://kshema.co/plans/What this blog covers:Best crops suited for the Kharif season in MaharashtraIdeal sowing dates to ensure higher productivityRegion-wise considerations for crop planningPractical insurance tips
If your PM Kisan payment has not been credited in 2026, it can be both confusing and frustrating. Many farmers across India face delays due to technical or verification issues, but most problems can be resolved with the right steps.In this blog, you will learn:Why your instalment may be delayed or missingHow to complete a quick PM Kisan status checkWays to fix errors and receive future paymentsWhere to seek help if the issue persistsUnderstanding the PM-Kisan Samman Nidhi Scheme in 2026The PM-Ki