Jaipur, January 2026.
Farmers and rural businesses often struggle with limited awareness of government schemes, subsidy-linked infrastructure opportunities, and structured financing options—creating a gap between policy benefits and actual adoption. Recognizing this unmet need, Kotak Mahindra Bank has gone beyond traditional lending to position itself as a knowledge partner, helping customers make informed decisions and access financing tailored to their requirements.
To bridge this gap, Kotak conducts awareness sessions across the state on topics such as government subsidy schemes, Agri Infrastructure Fund (AIF), cold storage support, seasonal working capital structures, and commodity pledge financing. Recently in Nagaur, the Bank engaged with leaders from Agricultural Produce Market Committee (APMC) to share insights on creating subsidy-linked infrastructure—an approach that strengthens customer trust and loyalty.
Manish Kothari, Group President and Head – Commercial Banking, Kotak Mahindra Bank, said:“Today’s customers need a partner who understands their challenges and guides them toward the right opportunities. In Rajasthan, we are committed to empowering farmers, transporters, and small businesses with competitive financing, faster turnaround times, and technology-driven solutions that make banking simple and accessible.”
Digital Platforms for Speed and Convenience
Customers in Rajasthan increasingly seek convenience and faster turnaround times. Kotak addresses this need through its digital platforms and automated credit journeys, ensuring quicker decisions, paperless processes, and a seamless experience. Whether it’s tractor loans for mechanization, equipment finance for infrastructure projects, or working capital&agriinfrastructure finance for agri-traders/processors, Kotak offers solutions designed for the State’s business communities unique needs.
Driving Growth Across Agri and Infra Segments
Rajasthan’s agricultural belts—Sri Ganganagar, Hanumangarh, and Alwar—are leading in farm mechanization, supported by high tractor penetration and strong dealership networks. Apart from their regular use in the farms, Tractors are increasingly being used for agri&commercial haulage, construction support, and mining-related transport, creating demand for flexible financing solutions. Kotak holds a leadership position in tractor financing as well as financing most APMC clusters, helping local enterprises scale operations and modernize supply chains.
On the infrastructure side, expansion of highways and water resource projects—including canal systems and dams—are improving connectivity and irrigation reliability. Jaipur’s rise as a commercial hub, coupled with mining belts in Kota, Udaipur, and Bhilwara, is creating demand for Commercial Vehicles and Construction Equipment financing.
To leverage these opportunities, Kotak Mahindra Bank is expanding its on-ground coverage teams, deepening engagement with OEMs and dealerships, and enhancing accessibility through its extensive branch and partner network. With Rajasthan’s infrastructure and agricultural sectors set for accelerated development, Kotak aims to play a pivotal role in enabling growth through knowledge, technology, and customer-first solutions.
