What We Do

In the move towards inclusive finance, there are solutions that need more than finance. They need understanding of client needs, expertise at designing products and experience in building linkages needed to bridge such gaps. Our post harvest financial solutions redefine the tenets of traditional financing models. With an unprecedented blend of technology, storage innovation and risk management, Aryadhan resolves the post harvest financial challenges of client segments and geographies hitherto untouched by financial institutions.

Aryadhan complements the portfolio of services offered by Arya Collateral in strengthening value chain integration. Arya Collateral offers aggregation, storage and market linkage facilitation services in primary and secondary agriculture markets for various market participants. Aryadhan bridges the critical gap in availability of finance through innovative product structures to support these participants in improving their earnings.

Together, Arya Collateral and Aryadhan provide a comprehensive suite of post-harvest services that enable sustainable market and financial linkages. The core strength of this combine is that it operates at multiple levels of the value chain spanning across aggregation, storage, processing, transportation, finance and market integration.



  • D.Chattanathan, is currently the Managing Director of Aryadhan Financial Solutions Pvt Ltd. Before spending almost two decades at ICICI Bank ltd in Rural and Inclusive Banking, he worked with organizations like Zuari Agro Chemicals, Asian paints and Allahabad Bank. He has authored various articles and papers including the paper on Enhancing the flow of Credit and Managing risks in Agriculture which he co authored with Nachiket Mor and Rajiv Panthary which was published in India and The Global Economy by Indian Council for Research on International Economic Relations. He is the author of the book TITBITs of Corporate life and Dollops of life. He is a graduate in Agriculture with Postgraduate Diploma in Public Relations and Journalism. He is a topper in PGDPR&J from SCMS Kochi. He has to his credit CAIIB and DFS from Indian Institute of Bankers. He qualified for ICAR Junior Fellowship in Agriculture Economics and was a recipient of Gromor Fellowship sponsored by Coromondel Fertilizers during his graduation.

Prasanna Rao

  • Prasanna completed his Post graduation in Rural Management from the Institute of Rural Management, Anand in 1999.
  • As part of his 8 year stint at ICICI Bank, he headed the Agri-commodity finance business and had built / managed a peak portfolio of USD 500 Mn for the Bank. Here he was instrumental in the development of agri - finance portfolio.
  • He has also worked with prestigious organisations like Gujarat Cooperative Milk Marketing Federation (Amul) and Coca-Cola in Cooperative Marketing and FMCG Sales roles.
  • He is a Chevening Financial Services Fellow from Kings College London.

Anand Chandra

  • Anand is a graduate of Agricultural Sciences and an MBA with a specialization in Agri- Business Management from
  • MANAGE in 2004. He has an experience of 8 years in Agri-Commodity Based financing.
  • He has been a part of ICICI Bank as the National Product Head for the Agri-Commodity Finance Business. He was instrumental in developing the product and the associated processes for the Bank since the inception of the product.
  • Anand has been a part of the prestigious, “Accessing Global Markets” program at Cornell University.

Rajnish Khandelwal

  • Rajnish Khandelwal has done MBA from Utkal University and M.Sc in Shipping Management from World Maritime University. He has an experience of 24 years in initiating new projects about Shipping Management involved in Collateral Warehousing of Agri Commodities of the group, their Financial Planning or Financial Viability of the Project. He is part of JM Baxi & Co. as Senior Vice President from last 11.5 years and has handled various Ship Agency, Project Manager for New shipbuilding of the group involved in Collateral Warehousing of Agri Commodities of the group and involved in Business development for various shipping activities of the group

Kushal Agrawal

  • Kushal Agrawal is a Chartered Accountant by profession. He has an experience of more than 10 years in the field of Finance and Investing business. He has been part of Aspada group for more than 6 years and have valuable experience as a Investor in various fields of Business and is currently Board Member of 6 companies engaged in various business like Agri Processing, Hospital group, Logistics and Supply.

Jinesh Shah

  • Jinesh Shah has completed his CA in 1990s with Institute of Chartered Accountants of India and MBA with Jamnalal Bajaj Institute of Management Studies. He has been part of Omnivore for more than 10 years as a Managing Partner. He has also worked as an Investor in India Agtech and Food Tech start-ups and various well recognized institutions.

Our Team

Ritesh Raman

Head-Warehousing & Collateral Management
  • Ritesh Raman has completed his MBA in Agribusiness Management from the National Institute of Agricultural Marketing (NIAM), Jaipur in 2003 after his graduation in Horticulture Sciences from Maharashtra. He has experience in Commodity Finance, Agri-Warehousing & Collateral Management, Strategic Planning and Sales & Marketing of agri-inputs and agri-infrastructure consulting. His professional lineage associates him with ICICI Bank Ltd. as Zonal Head-Commodity Control & Management Group under Commodity Finance Division. Over his 10 years of professional experience, he has worked with National Collateral Management Services Limited (NCMSL) and rolled out its warehousing and collateral management business in the states of MP & Chhattisgarh..

Sandeep Katiyar

Group CFO and Chief Risk officer, Aryadhan
  • Sandeep Katiyar is a seasoned Finance Professional with over 15 years of industry experience (Finance and Agriculture) in strategic & corporate financial, treasury & risk management, working capital management, arranging funds, PE, Audit. Before joining Arya, he worked with ICICI Bank & ILFS and has experience in SME & Retail lending & Agri Consultancy. Sandeep hails from agricultural family with experience of farming and trading. He has done MBA from Institute of Rural Management, Anand. Currently, he is pursuing Senior Leadership Development Programme from Harvard Business School.

Shenoy Mathew

  • Shenoy is a graduate of Agricultural Sciences and an MBA with a specialization in Agri- Business Management from MANAGE in 2003
  • In his decade long association with Dow Agro-Sciences, he has held key positions including that of Corporate and Exports Business Leader and Regional Manager. In his last role, he headed the marketing function for Herbicides and Rice fungicides business of Dow.

Joginder Ralhan

  • Joginder is a graduate in Rural Management from the Institute of Rural Management, Anand (IRMA) in 2005
  • An engineer by qualification, he has been a part of the Indian dairy industry for over 14 years. He has held leadership positions in the Gujarat Cooperative Milk Marketing Federation (Amul) and Parag Foods (Go/Gowardhan). He has an in-depth understanding of agriculture supply chains.

Inderjeet Singh

Business Head
  • Inderjeet Singh is a veteran in Agri Business and has been associated with rural lending, Commodity Funding, Collateral management and other facets of Agri Business for more than 20 years now. He has worked with institutions like UPL, ICICI Bank, HDFC Bank, Soc Gen, DBS Bank and NBHC during this period. During this period he has been involved with ideation of new concepts and products which include warehouse receipt finance, corporate linked farmer funding etc. He has worked with leading agri. input companies, Banks and collateral management companies and has exposure to sales of agri inputs, rural, agri and SME lending, Collateral management and agri warehousing. He is a post graduate from GB Pant university of agriculture and Technology.

K.P. Vijay

Business Head, A2Z Godaam
  • K.P Vijay brings in about 9 years of entrepreneurial experience and 18 years of work experience across retail segments of the Banking, Telecom & IT industry with substantial exposure of operating in a & set-up environment and its associated stress. In the early part of his career, He was associated with baazee.com, a C2C auction platform, which was subsequently acquired by ebay and was responsible for running acquisition programs buyers & sellers for the platform apart from the Brands promotion. Before moving on as an entrepreneur in his last assignment, Vijay was associated with ICICI Bank for over 8 years in various roles including Managing the Private Banking relationships while being based out of South Africa and setting up Alternate Channels, the non face-to-face NRI relationship acquisition program.

Ankita Jain

Credit Underwriting
  • Ankita is a young and dynamic Chartered Accountant with an MBA in Business Analytics from IMT. Before joining arya, she was working with a reputed CA firm where she has handled various audit assignments of Banks. Like- Statutory, Stock, credit, revenue and Due diligence. At Arya, Ankita started as Deputy Manager - Audit & Risk and presently heads the Credit Dept of Aryadhan. Under her leadership, the company has achieved its portfolio from INR 25 cr to INR 100 cr.

Our Offerings

Aryadhan offers a range of financial solutions to address the needs of various value chain participants. It specialises in designing and offering post-harvest financial products that strive to address clients emergent needs. We go beyond traditional methods bringing new technologies, financial solutions and partnerships. This enables faster seamless delivery of credit to clients and geographies – many of who are at margins of financial inclusion. The following graphic marks the landscape in which Aryadhan operates:

Aryadhan endeavours to make agriculture finance an OTC (Over the counter) offering while covering possible risks effectively.
All products and solutions are designed with this objective in mind.

Investors & Financial Partners