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The Rise of AgriTech Ecosystem in India

Agriculture has always been at the heart of the Indian economy. The bulk of the population is still dependent on agricultural activity to meet their basic needs. Even though there has been a digital boost amongst the farmer community present in the market, agricultural productivity is still low. Also, the proportion of agricultural employees in India is anticipated to fall to 25.7% by 2050. Furthermore, with high labor costs, a shortage of skilled workforce, and food security among the primary issues impeding agricultural output, farmers require a technological boost to match the rising demand. 

Where other businesses are facing a funding winter amidst this economic crisis, the agritech market is anticipated to increase at a CAGR of almost 50%, hitting a $34 billion market by 2027 over the next five years, reveals a new report by Avendus Capital. This will only lead to the rise of agritech ecosystem in India. Here are the 3 major trends dominating the industry:

  1. Increased investments in Agri-tech: An EY report states that the Indian agritech market potential is expected to be around US$ 24 billion by 2025 According to Entrackr, between January 2020 and June 2022, about 100 agritech startups raised nearly $1.33 billion across 139 deals.
Agritech startup funding Y-O-Y growth
Agri startup funding
  1. Boost in Digital Literacy in Tier 2 & Tier 3 cities: In the last 5 years, smartphone penetration has soared by 150%, reaching 50% of rural households. This has helped to democratize the knowledge that can be used for agricultural management. Short-form video consumption has driven social media usage in rural India. The apps like MX Player, Snapchat, and Moj are ranked #2, #4, and #6 in terms of app downloads in India, respectively, according to Digital India 2022 (DataReportal).
  1. Farming-as-a-Service: Given the uncertainty around commodity prices and marketing, FaaS has been a lifesaver for marginal farmers and farm owners looking to cut fixed expenses and lower the need for collateral. As the cost of using a machine is split across multiple entities, they can rent rather than buy making it more affordable and accessible.

Indian agribusiness is surely getting a makeover and the focus is more on creating a better mobile experience for farmers by arming them with smart devices and digital tools to create a smooth mobile experience. The number of Agri-based Mobile applications has also shot up at a much faster rate. Industry behemoths have already ventured into the field to fill the existing gap in the market. Let’s look at some of the popular agri-based applications: 

  1. ITC MAARS: FMCG conglomerate ITC launched a super app– ITC MAARS (Meta Market for Advanced Agricultural Rural Services) to boost farmers’ income and efficient procurement of Agri products by providing agricultural and related services to farmers on a digital platform. The phygital ecosystem gives farmers AI/ML-driven value-added personalized and hyperlocal crop advisories. 

Features:  

  • A crop calendar for scientific planning of crop cycles, 
  • A ‘‘crop doctor’’ function for real-time resolution of infestation, 
  • Access to good quality inputs and market linkages, 
  • Real-time soil testing, and precision farming among others. 

It will also onboard financial partners to provide loans and sell insurance. The app will allow the farmer to check the prices of the products in the nearest mandi and the option to sell them to ITC.

  1. Kisan AgriDoctor: AgroStar
Popular agri-based applications: Kisan AgriDoctor: AgroStar

A one-stop shop for all farmer needs, Kisan AgriDoctor has over 5 Lakh farmers on its Kisan agricultural Helpline app, which also happens to be the highest-rated farming-focused app in India.

  1. Samaadhan FaaS: EM3 AgriServices
popular agri-based applications: Samaadhan FaaS: EM3 AgriServices

Centered on providing technology and mechanization to the farming community on a Pay-for-Use basis to increase agricultural output.

  • Through a network of farm hubs, the app provides a platform that enables technology to reach the farmer and the farm (Samadhan Kendras)
  • Each unit is outfitted to handle a full range of fundamental and precision agricultural activities across the entire crop production cycle and is administered by IT-enabled technologies.
  1. GrainBank: Ergos 
popular agri-based applications

A technological platform that lets farmers transform their grains into tradable digital assets, get loans against those assets through associate NBFCs and Banks, and get better prices for their output.

The Way Forward: 

Attracting farmers to the mix through a knowledge management portal and using it to engage with them has become an absolute necessity now. This platform could be a marketplace, a movie theatre, a medical device, or an upskilling venture in the hands of the group. It is a data mine of valuable information, providing insights into the behavior of one of the largest occupational sectors of the country. The other means could be a  transparent ecosystem along with a mobile app with a smart interface that would help in making farmers’ journeys more transparent, trackable, and real-time in action. 

Additionally, government initiatives such as an exclusive super app for farmers would educate them on post-harvest concerns including marketing, crop cultivation, and technology. It will also facilitate direct communication between farmers and the scientific community offering limitless possibilities and dramatically improving the experience for farmers, consumers, and organizations. Further, the recently announced agriculture-focused accelerator fund in the Budget 2023 would significantly strengthen the agritech ecosystem.

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How Smarter Sales Apps Are Reinventing the Frontlines of Insurance Distribution

The insurance industry thrives on relationships—but it can only scale through efficiency, precision, and timely distribution. While much of the digital transformation buzz has focused on customer-facing portals, the real transformation is happening in the field, where modern sales apps are quietly driving a smarter, faster, and more empowered agent network.

Let’s explore how mobile-first sales enablement platforms are reshaping insurance sales across prospecting, onboarding, servicing, renewals, and growth.

The Insurance Agent Needs More Than a CRM

Today’s insurance agent is not just a policy seller—they’re also a financial advisor, data gatherer, service representative, and the face of the brand. Yet many still rely on paper forms, disconnected tools, and manual processes.

That’s where intelligent sales apps come in—not just to digitize, but to optimize, personalize, and future-proof the entire agent journey.

Real-World Use Cases: What Smart Sales Apps Are Solving

Across the insurance value chain, sales agent apps have evolved into full-service platforms—streamlining operations, boosting conversions, and empowering agents in the field. These tools aren’t optional anymore, they’re critical to how modern insurers perform. Here’s how leading insurers are empowering their agents through technology:

1. Intelligent Prospecting & Lead Management

Sales apps now empower agents to:

  • Prioritize leads using filters like policy type, value, or geography
  • Schedule follow-ups with integrated agent calendars
  • Utilize locators to look for nearby branch offices or partner physicians
  • Register and service new leads directly from mobile devices

Agents spend significantly less time navigating through disjointed systems or chasing down information. With quick access to prioritized leads, appointment scheduling, and location tools—all in one app—they can focus more on meaningful customer interactions and closing sales, rather than administrative overhead.

2. Seamless Policy Servicing, Renewals & Claims 

Sales apps centralize post-sale activities such as:

  • Tracking policy status, premium due date, and claims progress
  • Sending renewal reminders, greetings, and policy alerts in real-time
  • Accessing digital sales journeys and pre-filled forms.
  • Policy comparison, calculating premiums, and submitting documents digitally
  • Registering and monitoring customer complaints through the app itself

Customers receive a consistent and seamless experience across touchpoints—whether online, in-person, or via mobile. With digital forms, real-time policy updates, and instant access to servicing tools, agents can handle post-sale tasks like renewals and claims faster, without paperwork delays—leading to improved satisfaction and higher retention.

3. Remote Sales using Assisted Tools

Using smart tools, agents can:

  • Securely co-browse documents with customers through proposals
  • Share product visualizations in real time
  • Complete eKYC and onboarding remotely.

Agents can conduct secure, interactive consultations from anywhere—sharing proposals, visual aids, and completing eKYC remotely. This not only expands their reach to customers in digital-first or geographically dispersed markets, but also builds greater trust through real-time engagement, clear communication, and a personalized advisory experience—all without needing a physical presence.

4. Real-Time Training, Performance & Compliance Monitoring

Modern insurance apps provide:

  • On-demand access to training material
  • Commission dashboards and incentive monitoring
  • Performance reporting with actionable insights

Field agents gain access to real-time performance insights, training modules, and incentive tracking—directly within the app. This empowers them to upskill on the go, stay motivated through transparent goal-setting, and make informed decisions that align with overall business KPIs. The result is a more agile, knowledgeable, and performance-driven sales force.

5. End-to-End Sales Execution—Even Offline

Advanced insurance apps support:

  • Full application submission, from prospect to payment
  • Offline functionality in low-connectivity zones
  • Real-time needs analysis, quote generation, and e-signatures
  • Multi-login access with secure OTP-based authentication

Even in low-connectivity or remote Tier 2 and 3 markets, agents can operate at full capacity—thanks to offline capabilities, secure authentication, and end-to-end sales execution tools. This ensures uninterrupted productivity, faster policy issuance, and adherence to compliance standards, regardless of location or network availability.

6. AI-Powered Personalization for Health-Linked Products

Some forward-thinking insurers are combining AI with health platforms to:

  • Import real-time health data from fitness trackers or health apps 
  • Offer hyper-personalized insurance suggestions based on lifestyle
  • Enable field agents to tailor recommendations with more context

By integrating real-time health data from fitness trackers and wellness apps, insurers can offer hyper-personalized, preventive insurance products tailored to individual lifestyles. This empowers agents to move beyond transactional selling—becoming trusted advisors who recommend coverage based on customers’ health habits, life stages, and future needs, ultimately deepening engagement and improving long-term retention.

The Mantra Labs Advantage: Turning Strategy into Scalable Execution

We help insurers go beyond surface-level digitization to build intelligent, mobile-first ecosystems that optimize agent efficiency and customer engagement—backed by real-world impact.

Seamless Sales Enablement for Travel Insurance

We partnered with a leading travel insurance provider to develop a high-performance agent workflow platform featuring:

  • Secure Logins: Instant credential-based access without sign-up friction
  • Real-Time Performance Dashboards: At-a-glance insights into daily/monthly targets, policy issuance, and collections
  • Frictionless Policy Issuance: Complete issuance post-payment and document verification
  • OCR Integration: Auto-filled customer details directly from passport scans, minimizing errors and speeding up onboarding

This mobile-first solution empowered agents to close policies faster with significantly reduced paperwork and data entry time—improving agent productivity by 2x and enabling sales at scale.

Engagement + Analytics Transformation for Health Insurance

For one of India’s leading health insurers, we helped implement a full-funnel engagement and analytics stack:

  • User Journey Intelligence: Replaced legacy systems to track granular app behavior—policy purchases, renewals, claims, discounts, and drop-offs. Enabled real-time behavioral segmentation and personalized push/email notifications.
  • Gamified Wellness with Fitness Tracking: Added gamified fitness engagement, with rewards based on step counts and interactive nutrition quizzes—driving repeat app visits and user loyalty.
  • Attribution Tracking: Trace the exact source of traffic—whether it’s a paid campaign, referral program, or organic source—adding a layer of precision to marketing ROI.
  • Analytics: Integrated analytics to identify user interest segments. This allowed for hyper-targeted email and in-app notifications that aligned perfectly with user intent, driving both relevance and response rates.

Whether you’re digitizing field sales, gamifying customer wellness, or fine-tuning your marketing engine, Mantra Labs brings the technology depth, insurance expertise, and user-first design to turn strategy into scalable execution.

If you’re ready to modernize your agent network – Get in touch with us to explore how we can build intelligent, mobile-first tools tailored to your distribution strategy. Just remember, the best sales apps aren’t just tools, they’re growth engines; and field sales success isn’t about more apps. It’s about the right workflows, in the right hands, at the right time.

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