NOV 2025
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
Satellites show what happened. We show what happens next.
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
Everyone has a map. Nobody has a what-if.
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
The hottest place is not the most vulnerable place.
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.
LowHigh
Layer
- Heat
- Land surface temperature. Hottest pixels: fields, rail yards, industrial roofs.
- Risk
- Hazard × Exposure × Vulnerability. Crowded wards, tin roofs, outdoor workers, elderly, no water nearby.
Same city. Same day. Different answer.
Illustrative simulation on synthetic data — not a forecast.
04What we do
Sense. Fuse. Simulate. Decide.
One engine. Two markets. Every new dataset makes both products smarter.
Inputs · Satellite + ground
- Sentinel-1 / 2 SAR · MSI
- Landsat 8 / 9 · MODIS Thermal
- IMD weather Gridded
- Census & population Ward
- Health records Cases
- Soil · elevation Terrain
- Loan & policy books Client
OrbiSat core
Scenario engine
Asks what if, and computes the outcome.
rainfall ±X%5-day heatwavebudget: 40 points
Outputs · Buyer’s language
- ₹ exposure at risk Banks
- Villages past loss threshold Insurers
- Lives protected per rupee Cities
- Site plan · lat / long Ops
- Dashboard · API · report Audit-ready
01 / Sense
Sense.
Multispectral, SAR and thermal imagery: Sentinel-1/2, Landsat 8/9, MODIS. Commercial high-res when needed.
02 / Fuse
Fuse.
Ground truth layered on top: IMD weather, census and population, health records, soil, elevation, loan books, ward boundaries.
03 / Simulate
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
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
2026 changed the rules — and the money.
JUN 2026
RBI KCC Directions let banks finance satellite crop monitoring.
A new, legitimate budget line for exactly what we sell.5
VarshaJUN 2026
NHRC calls for ward-level heat vulnerability maps.
Using GIS, remote sensing, AI and social vulnerability indicators — our exact stack.8
ChhayaAUG 2026
Heatwaves become a notified national disaster.
States can now draw on ₹2.04 lakh crore of disaster funds (2026–31) for heat — cooling shelters, water points, early warning.6
Chhaya06Products
Two products. One engine.
Product 01 · Banks & insurers
Credit
Varsha
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?”
- Village-level loss
- ₹ exposure at risk
- RBI stress-test ready
Product 02 · Governments & cities
Public
Chhaya
Ward-level heat vulnerability and intervention planning.
“Where should we place water points and shade shelters to protect the most people?”
- 6-factor vulnerability index
- Placement optimiser
- Lives-per-rupee
07Why we win
Others map. We simulate.
| 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 | ◐ | ○ | ◐ | ● |
- The fusion is the moat.
Imagery is a commodity. Fusing it with census, health, credit and scheme data, and validating against what actually happened, is not.
- Outcome language.
We don’t sell NDVI. We sell ₹ at risk and lives protected.
- One engine, two markets.
Every model improvement and every dataset is reused across both products.
- Validated against reality.
Every model is back-tested against real claims, defaults and heatstroke records — something most indices never do.
08Market
A market being forced into existence.
India geospatial analytics
~$1.81B → $3.55B2026 → 20319
Climate-risk analytics · Global
~$2–3Bgrowing ~17–19% a year10
Our beachhead
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
How we make money.
Varsha · SaaSBanks
Per portfolio, per season.
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.
Chhaya · LicenceCities
Annual licence + season ops.
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.
- Stage 01
Pilot (1 district / 1 city)
- Stage 02
Paid pilot
- Stage 03
State-level rollout
- Stage 04
API for partners
10The ask
Help us put a what-if engine in orbit.
We’re raising to take Varsha and Chhaya from first pilots — one district, one city — to paid deployments with banks and state governments.