Department of Land Resources (DoLR) and RBI Innovation Hub (RBIH) Explore Digital Land-Credit Infrastructure for Rural Lending

Key facts

• The Department of Land Resources (DoLR) under the Ministry of Rural Development and the RBI Innovation Hub (RBIH) held a high-level meeting to integrate digital land governance with the Unified Lending Interface (ULI) for faster agricultural credit.
• The proposal aims to leverage authenticated digital land records for consent-based lending, particularly for Kisan Credit Card (KCC) loans.
• Key proposals include secure access to digital land records, faster processing of KCC loans, reduction in transaction costs, and use of digital mortgage information to prevent multiple loans against the same land parcel.
• The initiative also involves adopting common data standards, expanding the Unique Land Parcel Identification Number (ULPIN) or Bhu-Aadhaar, and ensuring API interoperability between land record databases and financial institutions.
• The Unified Lending Interface (ULI), developed by RBIH, is designed as a common API-based platform for lenders to access verified borrower information from multiple sources with customer consent.
• Earlier in 2026, RBIH integrated NABARD's e-KCC and Cooperative Digital Credit Infrastructure with ULI, enabling Regional Rural Banks (RRBs) and District Central Cooperative Banks (DCCBs) to process agricultural loans digitally.