Why it needs to exist
A farmer today is scattered across a dozen disconnected records — land documents here, a ration card there, a loan file somewhere else — and not one of them travels with them or tells the full story.
Without a single, portable identity, the farmer stays invisible to the systems that could serve them. Formal credit, insurance, subsidy and fair markets all demand a legibility the farmer was never given the tools to prove.
What we're building
UGAM gives every farmer one identity that belongs to them — a 12-digit UGAM ID that links land, cultivation, transactions and history into a single trusted profile.
On top of it sits the UGAM Score: a living measure of activity and reliability that turns a lifetime of real farming into something a bank, an insurer or a buyer can finally act on.
From idea to the last mile
A farmer enrols once, through a trusted Hesaathi.
The UGAM ID links land, cultivation and activity into one profile.
Ongoing transactions — including Saudā auctions — enrich the record.
The UGAM Score unlocks credit, insurance and formal-market access.
The model
Owned by the farmer
Identity that travels with the person, not the institution.
Built from real activity
The Score reflects what the farmer actually does, not a form they filled.
A foundation, not a silo
Designed for other ventures and lenders to build on.
Where it's headed
The ID, the enrolment flow, and the first Score signals.
Linking UGAM to credit and insurance partners.
A rural identity standard the whole ecosystem trusts.
Explore other ventures
Want to build UGAM with us?
FORGE partners with founders, operators and capital who want to build institutions the village will own. If this is your kind of problem, let's talk.