RBI requires banks to assess and manage climate risk.
Scenario analysis and stress testing move from nice-to-have to expected. Agriculture is the most climate-exposed book.24
VarshaOrbiSat · Earth observation × Simulation · India
OrbiSat fuses multispectral and thermal satellite data with ground data — weather, census, health, credit — and runs what-if simulations. Banks see their crop-loan risk before the monsoon fails. Cities see where to save lives before the heatwave hits.
02The problem
India now has more satellite data than ever. But today’s tools describe the past: this field is stressed, this ward is hot. The people who carry the risk — a bank with ₹10 lakh crore in farm loans1, a city with a heatwave coming — need to know what happens if: if rain falls 30% short, if the heatwave lasts five days, if we put the water points here instead of there.
03The insight
In summer, an empty field can be the hottest pixel on a satellite image. But people don’t die in empty fields — they die in crowded wards with tin roofs, outdoor workers, the elderly, and no water nearby. A heat map says where it’s hot. We model who gets hurt. The same is true for farms: a rainfall number says how much rain fell. We model whose crop fails and whose loan breaks.
Same city. Same day. Different answer.
Illustrative simulation on synthetic data — not a forecast.
04What we do
One engine. Two markets. Every new dataset makes both products smarter.
Scenario engine
Asks what if, and computes the outcome.
01 / Sense
Multispectral, SAR and thermal imagery: Sentinel-1/2, Landsat 8/9, MODIS. Commercial high-res when needed.
02 / Fuse
Ground truth layered on top: IMD weather, census and population, health records, soil, elevation, loan books, ward boundaries.
03 / Simulate
Our scenario engine asks what if: rainfall ±X%, a 5-day heatwave, a budget of 40 water points — and computes the outcome.
04 / Decide
Outputs in the buyer’s language: ₹ at risk for a bank; lives protected per rupee for a city. Delivered by dashboard, API and audit-ready report.
05Why now
Scenario analysis and stress testing move from nice-to-have to expected. Agriculture is the most climate-exposed book.24
VarshaA new, legitimate budget line for exactly what we sell.5
VarshaUsing GIS, remote sensing, AI and social vulnerability indicators — our exact stack.8
ChhayaStates can now draw on ₹2.04 lakh crore of disaster funds (2026–31) for heat — cooling shelters, water points, early warning.6
Chhaya06Products
Climate-scenario simulation for crop loan and crop insurance books.
“If rainfall drops 30%, how much crop is lost — and how much of our loan book breaks?”
Ward-level heat vulnerability and intervention planning.
“Where should we place water points and shade shelters to protect the most people?”
07Why we win
| Capability | Monitoring tools (e.g. agri-sat platforms) | Global cat models | Free heat dashboards | OrbiSat |
|---|---|---|---|---|
| Satellite monitoring | ● | ◐ | ● | ● |
| Fuses ground data (census, health, credit) | ◐ | ◐ | ◐ | ● |
| Interactive what-if scenarios | ○ | ◐ | ○ | ● |
| Village / ward-level output | ● | ○ | ● | ● |
| Answers in ₹ or lives, not indices | ○ | ◐ | ○ | ● |
| Recommends where to act (optimisation) | ○ | ○ | ◐ | ● |
| Built for Indian regulation and schemes | ◐ | ○ | ◐ | ● |
Imagery is a commodity. Fusing it with census, health, credit and scheme data, and validating against what actually happened, is not.
We don’t sell NDVI. We sell ₹ at risk and lives protected.
Every model improvement and every dataset is reused across both products.
Every model is back-tested against real claims, defaults and heatstroke records — something most indices never do.
08Market
~$1.81B → $3.55B2026 → 20319
~$2–3Bgrowing ~17–19% a year10
India’s rural, co-operative and agri lenders, crop insurers, and cities with Heat Action Plans.
Market reports vary widely; we use conservative figures.
09Business model & GTM
SaaS subscription per loan or policy portfolio, priced per account per season, plus a per-scenario fee for regulatory stress-test reports.
First customers — Regional rural banks, co-operative banks, agri-NBFCs and crop insurers.
Annual city licence plus a per-season operations package (heat-season daily risk and placement plans). Funded through state disaster funds (SDRF) and Heat Action Plan budgets.
First customers — Cities with existing Heat Action Plans; state disaster management authorities.
Pilot (1 district / 1 city)
Paid pilot
State-level rollout
API for partners
10The ask
We’re raising to take Varsha and Chhaya from first pilots — one district, one city — to paid deployments with banks and state governments.