• We are a Technology Company established in 2014 and headquartered in Pune, India
  • We provide Advanced Technology solutions and services in Agriculture, based on Real Time Big Data Analysis, Digital Technology, GIS Mapping combined with Satellite Imagery and Weather Data
  • Semantic Technologies & Gokhale Institute of Politics and Economics (GIPE) (http://gipe.ac.in/)have entered into an MOU for a 5 year collaboration on for use of technology for Crop Yield estimation, end-to-end digital Crop Cutting Experiments(CCEs) for yield determination and use of Satellite/Drone data for Loss Assessment in agriculture as per Niti Aayog (https://niti.gov.in/) recommendations.
  • Gokhale Institute of Politics and Economics (GIPE) is an autonomous institute of Maharashtra State Government and is the pioneer of Agricultural Insurance in India.
  • Semantic has trained over 200 Agricultural graduates/postgraduates at VAMNICOM, Pune (Associated with Ministry of Agriculture, GOI) and GIPE in a one week residential course on National Crop Insurance Programme (PMFBY) in general and procedure for conducting end-to-end digital CCEs
  • Semantic Technologies provides in-depth Cluster wise detailed analysis including risk profiling of districts of PMFBY clusters based on client requirement.
  • Semantic provides crop health monitoring services from sowing to harvesting at taluka and village level.
  • Semantic’s Remote Sensing division provides the following services.
    1. Periodical crop maps of Insurance units
    2. Vegetation indices (VI) based analysis of crop health
    3. Potential yield estimation
    4. Smart Sampling based CCEs for yield loss assessment

1. Crop Sown Area Verification

Comparison of sown area provided by government with Remote Sensing derived sown area as per specific requirement either at taluka level or village level as may be required (80 to 90% accuracy)


  • Validation of insured crop area in IU
  • Checking of application data
  • Prevent false claims

2. Monitoring Crop Phenology- Taluka level/Village level as specifically required

Showing green biomass(NDVI), health(Chlorophyll) and Water Stress(NDWI). Comparison of fields and crop condition determination.

  • Crop emergence (Sowing date determination)
  • Crop Mid Season
  • Crop ready for Harvesting
  • Crop Sown area

Note: Showing green biomass(NDVI), health(Chlorophyll) and Water Stress(NDWI). Comparison of fields and crop condition determination.


  • Crop growth validation
  • Cultivated Area validation
  • Immediate overview of low/high yield
  • Prevent false claims

3. Crop Performance-Deviation Detection

  • Identification of crop growth and crop health deviation(induced by pests, diseases, soil salinity, weather hazards)
  • Comparison of fields as per specific request with average levels (NDVI, Chlorophyll, NDWI) per crop
  • Crop condition determination


  • Yield Estimate
  • Validation of crop in CCE plots
  • Prevent false pay-outs

4. Drought Monitoring-Taluka Level

  • Severity of drought at Taluka Monthwise
  • Proven and internationally acknowledged method based on Vegetation Condition Index(VCI)


  • Early risk Assessment
  • Validation of Yield loss

5. Crop Damage Assessment (Flood)

  • Identify flooded areas
  • Assess crop damage


  • Based on Radar Data(Sentinel-1)
  • Report of flooded area
  • Client to provide planting date, crop type and reference fields for validation

6. Smart Sampling

Introduction: Smart sampling is stratified random sampling. This sampling method takes in to account the health of the crop during the growing stages and is more representative. PMFBY has mandated smart sampling in many states.


  • For smart sampling each taluka will be stratified on the basis of crop health
  • Selection of the villages for crop cutting experiments will be done for each strata.
  • Based on CCE yield for each stratum will be determined.
  • This will ensure fair compensation to farmers for yield loss.

7. Individual Crop Loss Assessment

We provide individual crop loss assessment surveys in prescribe format as required by Insurance company.

8. CCE Co-observation

  • Co-observing high quality CCEs with end-to-end digital proof using CropTech App.
  • Capturing real time CCE data using Semantic web portal
  • Providing Dashboard access to Client for monitoring
  • Dedicated personnel district-wise/ taluka-wise to monitor ground situation during the entire crop season

Mr. S. N. Dash

  • 6 years of banking with Agricultural Credit Portfolio in State bank of India and India Overseas Bank. 20 years of working experience in Crop Insurance in G.I.C of India and A.I.C of India Limited.
  • 10 years of academic experience in National Insurance Academy, Pune, VAMNICOM, Pune and Gokhale Institute of Politics and Economics.
  • 4 years of Consultancy in Crop Insurance to Oman Reinsurance Company, Muscat and General Insurance Company in Nepal.
  • A recognized trainer on Agriculture insurance for RBI, Various banks and Govt. officials of State Government and Central Government.

Prathamesh Shenoy

  • Holds over 17 Years experience in developing IT systems for Insurance and Healthcare domains.
  • Provides thought leadership and architectural expertise to a cross-functional team charged with deploying a host of customer-related applications and data to the cloud. Possesses extensive knowledge of databases, data modelling techniques and analytics.
  • Holds a Bachelor's Degree in Information Technology.

Lalit Jadhav

  • Responsible for leading the company's enterprise architecture, information management and cloud computing solutions, implementation and delivery across a suite of hosted services.
  • Provides individual and team leadership expertise across all products and platforms. Developing enterprise reference architecture, SOA & Cloud strategy in a SaaS driven enterprise business model.
  • Holds a Bachelor's Degree in Computers and Masters in Operations

Kiran Prajapati

  • A Postgraduate in Statistics from Pune University
  • He has a passion for Crop Data Analysis & has done extensive work in establishing the risk profile of districts under the PMFBY crop insurance scheme.
  • His insight in Crop Area, Yield, Sum Insured of major crops is masterful
  • His knowledge of Agriculture combined with his professional skills of Regression Analysis, Statistical Modelling and Software produce a mine of information on the agriculture sector

Jitendra Tajanpure

  • A Postgraduate in Statistics from Pune University
  • Determine methods for finding or collecting data.
  • His insight in Crop Area, Yield, Sum Insured of major crops is to collect and analyse data and help solve real-world problems in crop insurance.
  • He has a passion for data analytics and has done work in analysing risk profile in crop Insurance.

Vaibhav Hurpade

  • Responsible for Developing Native Android Applications using Java, Kotlin and Google Libraries.
  • About 3.5 yrs of Experience in Mobile App Development.
  • Holds a Degree of Bachelor's of Engineering in IT.
  • Semantic has conducted over 10000 CCEs for IFFCO Tokio, Bajaj Allianz and Bharti AXA Insurance companies for Kharif and Rabbi crops in Chhattisgarh, Rajasthan & Maharashtra States under PMFBY.
  • Semantic has developed “CropTech” App for conducting end-to-end digital CCEs which is well accepted by Insurance companies to whom we provide dashboard for viewing in real time progress of CCEs.
  • Semantic and Gokhale Institute, Pune have jointly conducted a project for Ministry of Agriculture and Farmers Welfare for Gram-Panchayat Level Yield Estimation using Technology.
  • This Project was conducted across 3 states viz. Maharashtra(Aurangabad, Ahmadnagar ), Karanataka (Kalaburgi) and Madhya Pradesh(Harda and Seoni).
  • The Crops concerned for the above project were Cotton, Tur(Piegon Pea) and Wheat and almost 3000 digital end to end CCEs were conducted by Semantic Technologies Pvt Ltd

Crop Cutting Experiments

  • Witnessing CCEs conducted by State Government & ensuring proper recording of data
  • Deputation of trained personnel for CCE witnessing
  • Conducting high quality CCEs with end-to-end digital proof
  • CCE sampling methodology to ascertain number and location

Glimpses of our work


392 A, Mahale Plot, 3rd Floor Gokhalenagar, Pune Maharashtra, India - 411016

 (+91) 20 2567 1122

 (+91) 20 2567 3344



91Springboard, Godrej & Boyce, Gate No 2, Plant No. 6, LBS Marg,Opposite Vikhroli Bus Depot,Vikhroli West, Mumbai Maharashtra, India - 400021

 (+91) 98206 63939


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