Agri lending is policy-heavy but volume-deep. The leads here include first-time KCC applicants needing crop-cycle finance, tractor-and-equipment finance with PSU and private-bank tie-ups, dairy-and-allied-activity loans, and farmer-producer-organisation (FPO) lending. Geography is the biggest filter — agri leads cluster in Punjab, Haryana, Western UP, Maharashtra, Karnataka, and Tamil Nadu, and successful claims need a banker physically close to the customer. Tagged by crop cycle, irrigation type, and existing-debt status where known.