Samaaru Finance Private Limited is a technology-enabled non-banking financial company (NBFC) that focuses on agricultural finance in India's rural sector. Established in 2019 as a joint venture with a Swiss-India agri incubator, the company secured its NBFC license in early 2023 after a founder buyout and refinancing in 2021. The company aims to enhance the farming profession by providing financial inclusion and prosperity to smallholder farmers. It operates in five Indian states, utilizing a branchless distribution model through partnerships with leading banks and milk agents. Samaaru Finance offers unsecured cattle loans and advisory services, including monthly farm visits to support farmers. The company emphasizes direct engagement with its customer base, which consists of smallholder farmers involved in dairy and allied agricultural activities. Its operational model combines financial services with on-ground advisory to promote sustainable repayment practices.