100% tax-free
agricultural investments,
from ₹50,000
Invest in professionally managed farmland without buying, operating or managing a single acre. Insurance-backed, forward-contracted, and paid out monthly — with an expected return of up to 18% p.a.
- Investment Done
- ₹103.7 Cr
- Active Investors
- 25,000+
- Tax
- 100% Tax Free
- Minimum
- ₹50,000
Request a callback
Takes 30 seconds. A relationship manager reaches out within 24 hours.
100% tax-free income
Agricultural income is exempt from income tax. No TDS, no slab rate — the return you see is the return you keep.
100% insurance-backed operations
Crop operations are insured with Kshema General Insurance against weather, pest and yield failure.
Monthly income, 36-month tenure
Defined payout rhythm and a defined end date, with a 6-month lock-in. Not market-linked.
KYTE HARVEST
Income from real farmland, professionally managed, insurance-backed, and sold forward before it's grown.
18%
Annual returns, entirely tax-free
Fixed deposits, bonds and structured products now sit within a few points of each other. Harvest sits above that band — and pays no tax.
Bank FDs & Small Finance Banks
Liquid, capital-preserving, taxable
7.5 - 9%
Listed corporate bonds
Rated, market-priced, exchange-traded
9 - 11%
Market-linked debentures
Sold through banks and wealth desks
12 - 14%
Kyte Harvest Income Plan
Agriculture-led, insurance-backed, tax-exempt income
15 - 18%*
*Expected return range across the currently open Harvest series. Expected returns are objectives, not guarantees. Benchmark ranges are indicative of the Indian market and vary by issuer, rating and tenure. Every figure above except Harvest is taxed at your slab rate. Harvest is not, so the real gap is wider than these numbers show.
Three Harvest series currently open, at three entry levels.
Tax-Free IncomeEntry LevelOpenSeries XVI
The entry series. An expected 15.27% p.a. return through professionally managed, price-protected agricultural operations.
Subscribed62%- Annual Yield
- 15.27%
- Min. Investment
- ₹50,000
- Tenure
- 36 Months
- Lock-in
- 6 Months
- Payout
- Monthly
- Tax-Free IncomeMid LevelOpenCLOSES IN 3 DAYS
Series XVII
The mid series. An expected 16.27% p.a. return on the same underlying farm operations, at a larger investment amount.
Subscribed84%- Annual Yield
- 16.27%
- Min. Investment
- ₹3,00,000
- Tenure
- 36 Months
- Lock-in
- 6 Months
- Payout
- Monthly
- Tax-Free IncomeHighest TargetOpen
Series XVIII
The top series. An expected 17.31% p.a. return — the highest currently open on the platform.
Subscribed41%- Annual Yield
- 17.31%
- Min. Investment
- ₹5,00,000
- Tenure
- 36 Months
- Lock-in
- 6 Months
- Payout
- Monthly
Each series accepts a limited amount and fills up over time; the subscribed figures above change daily. Expected return figures shown are indicative figures associated with the respective opportunity and are not guaranteed.
Four easy steps. From sign‑up to your first payout
Step 01
Share your details
Name, mobile, email and the amount you're considering. Verify your number and you're in.
Step 02
Talk to a relationship manager
Within 24 hours. They walk you through each open series, the insurance policy, who buys the produce, and the risks.
Step 03
Complete KYC digitally
PAN, Aadhaar and bank verification, online. Your Kyte account activates once it clears.
Step 04
Invest and receive monthly income
Invest from ₹50,000 into whichever series is open, then track your investment and payout dates in your dashboard.
The return comes from real crops, insured operations and contracted buyers.
100% Tax Free
Agricultural income is exempt from income tax. No TDS on your payouts, nothing to pay at year end — you keep the full 18%. The same return from an FD or a bond shrinks to about 12.6%.
- Income is agricultural, not interest
- Zero TDS on your monthly payouts
- Nothing to reclaim, nothing to set off
Secured by Crop Insurance
Every season is insured with Kshema General Insurance against the risks that actually hit a farm — weather, pest and yield failure.
- Cover placed before the season begins
- Cover placed with Kshema General Insurance
- Policy terms shared with you before you invest
Backed by forward contracts
The crop is sold before it is harvested. Buyers and prices are agreed in writing ahead of the season, so the price is not left to the mandi on the day.
- Price and demand visibility fixed ahead of the season
- Buyers named and agreed before sowing
- Depends on the buyer honouring the contract
Diversified, not concentrated
Your capital is spread across 3 states, 9 farms and 25+ crops annually — so one bad season in one district doesn't decide your outcome.
- Farms sit in different climate zones
- Staggered harvesting cycles smooth the cash flow
- Reduces geographic and crop-specific concentration risk
Diversified across 3 states, 9 farms
and 25+ crops.
- STATES
- 3
- FARMS
- 9
- CROPS
- 25+
Operations run across 3 states, 9 farms and over 25 crops annually. The multi-location approach spreads exposure across varied climatic zones and harvesting cycles, which improves yield stability and smooths the cash flow that funds your monthly payout.
By spreading across regions and crop types, the portfolio limits the impact of a localised disruption — a failed monsoon in one district, a pest cycle in one crop.
- Punjab
- Haryana
- Rajasthan
- Gujarat — expanding
- Maharashtra — expanding
- Madhya Pradesh — expanding
Against the two things this money would otherwise sit in
| Attribute | Bank FD | Equity / MF | Kyte Harvest |
|---|---|---|---|
| Expected return (p.a.) | 7.5–9% | Market-linked | Up to 18% expected* |
| Tax on Income | Fully taxable at slab | Capital gains tax | 100% tax-free |
| Daily volatility | None | High | None — not market-linked |
| Backed by | DICGC cover to ₹5L | Company performance | Kshema crop insurance & forward contracts |
| Payout rhythm | On maturity / quarterly | Irregular dividends | Monthly |
| Minimum investment | ₹1,000 | ₹500 | ₹50,000 |
*Expected annual return across the currently open series. Expected returns are objectives, not assurances. Agricultural operations may be affected by weather, crop performance, operational and market factors. Capital is committed for the stated tenure and is not insured. FD and equity characteristics are general market descriptions for context only.
A regulated framework for alternative investing.
FARM MANAGER
Agri Delight
TRUSTEE
Mitcon Credentia
INSURANCE PARTNER
Kshema General Insurance
ESCROW PARTNER
ICICI Bank
REGULATED BY
Kyte is operated by Krasha Financial Services Private Limited and is registered with the Ministry of Corporate Affairs. Kyte is not a stock exchange and does not seek recognition as one. Partner roles are described as they apply to the respective opportunity.
What people currently invested on Kyte say
“What I appreciate is the predictability. Defined payouts, a defined lock-in, and a non-market-linked structure make it suitable for investors who prioritise income visibility over speculation.”
Ananya IyerTreasury & Risk Professional “Kyte stood out for its clear structure and disciplined approach. Defined tenure, and collateral-backed lending make it easier to understand how capital is being deployed and how income is generated.”
Rajiv MehtaFormer Credit Head “Kyte is easy to explain to clients because the structure is simple and transparent. There is clarity on tenure, payouts, and participation, which helps set the right expectations upfront.”
CA Ritu SharmaChartered Accountant
The things people ask before they invest.
Yes. Agricultural income is exempt from income tax under Section 10(1) of the Income Tax Act, and no TDS is deducted from your monthly payouts. No TDS on your payouts, nothing to pay at year end, you keep the full 18%. The same return from an FD or a bond shrinks to about 12.6%. Your own treatment still depends on your overall tax position, so run it past your CA. Kyte does not give tax advice.
Every season is insured with Kshema General Insurance, placed before sowing begins, against the operational risks that actually hit a farm — weather events, pest damage and yield failure. The policy for each series is shared with you before you invest, and cover applies per its terms, limits and exclusions. To be clear about what it does and doesn't do: it protects the farm operations that generate your income, not your capital itself.
It means the produce is sold before it's grown. Rather than harvesting and then hoping for a good price at the mandi, the operator agrees a price and a buyer ahead of the season. That is what makes an expected return possible to state at all. It does not remove every risk — the buyer still has to honour the contract.
No. You don't buy land, hire labour, plan crops or deal with a harvest. Agri Delight handles farm operations and crop planning as the operating partner. You earn from the farming. The professionals do it.
₹50,000 for Series XVI, ₹3,00,000 for Series XVII and ₹5,00,000 for Series XVIII. Every series runs a 36-month tenure with a 6-month lock-in and monthly payouts. Assume the capital is committed for the full tenure — early exit is not a standard feature.
Kyte is operated by Krasha Financial Services Private Limited, registered with the Ministry of Corporate Affairs. Kyte is not a stock exchange and does not seek recognition as one, and it does not facilitate the buying, selling or trading of securities on the platform. Where a structure requires a separately regulated entity, Kyte partners with duly regulated entities and acts as a channel partner for distribution in accordance with applicable law.
Farming can go wrong: bad weather, poor crop performance, operational problems, a buyer who fails to pay, or a shift in market conditions. Returns are expected figures, not guaranteed, and capital is at risk — insurance covers farm operations, not your principal. Your money is locked for the tenure. Anyone telling you an investment at this return level is risk-free is not being straight with you; the protections here reduce risk, they don't remove it.
No. The form starts a conversation, not a transaction. You'll get a call, the live series notes and the risk disclosures. Plenty of people take the call, read the documents and decide the timing isn't right — that's a completely normal outcome.
Your FD pays 7%, and the taxman takes a third.This doesn't work that way.
Two minutes with a Kyte relationship manager will tell you whether tax-free agricultural income belongs in your portfolio — and if it doesn't, they'll say so.
- Full series details, the insurance policy and who buys the crop
- No obligation, no pressure, no cost
- Straight answers on where the yield comes from
Request a callback
Takes 30 seconds. A relationship manager reaches out within 24 hours.