DIGI Warehouse – India’s First End-to-End Mobile Platform for Agri Commodity Financing Qorus-Infosys Finacle Banking Innovation Awards 2025

Submitted by

HDFC Bank

Premium

11/06/2025 Banking Innovation

A first-of-its-kind mobile platform that digitizes warehouse receipts and enables instant agri-financing by connecting all stakeholders—cutting disbursement time from 3 days to 2.5 hours.

Innovation details

Country
IndiaCategory
Product and Service InnovationKeyword
Operational excellence & efficiency, SME Banking, Claims management, Agricultural banking and insurance, SME Lending

Innovation presentation

Conceived to solve the delay in agri-commodity disbursals, DIGI Warehouse offers a unified digital platform for warehouse owners, collateral managers, and customers. Previously, physical receipts required 2–3 days for verification and processing. With this innovation, warehouse receipts are digitally generated, lien-marked, and transferred via a mobile app. Collateral managers issue digital storage receipts instantly. The project involved lending, ops, IT, and agri-business teams. Inspired by UPI's real-time architecture, it simplified 11 steps into 4, with a record disbursal TAT of 1.43 hours.

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