Agriculture is the primary sector of our Indian economy. Almost two-thirds of the total work force earns their livelihood through farming and other allied activities. Credit to Agriculture is significantly linked to inclusive economic growth. At present, the process for getting Agricultural Crop loan requires customer to visit a bank branch in person along with the proof of land ownership and other documents. The Turn Around Time (TAT) from loan application to disbursement has been rather high, ranging from one to two weeks. Considering the challenges faced by customers and field functionaries in sanctioning KCC loans Union Bank of India has, in coordination with Reserve Bank Innovation Hub (RBIH) and under guidance of Reserve Bank of India (RBI), designed Digital KCC product for sanction of Fresh Loans of upto Rs.1.60 lakh. The product is a seamless Straight Through Process (STP) offering end to end solution, wherein the land records are verified through API integration and various other sources.