Climate-related disasters cost India an estimated $12 billion in 2025 alone. According to Swiss Re, 93% of those losses were uninsured. For insurers and the banks financing exposure in affected regions, this is no longer a peripheral concern. It impacts the balance sheet. Climate hazard mapping tools are changing how insurers understand, price, and manage weather-related risks. By combining satellite imagery, geospatial intelligence, and AI-driven climate models, these tools

Starting FY 2025-26, Indian financial institutions have to submit mandatory climate-related financial disclosures. This is covered under the RBI's phased framework. Following this, all commercial banks, all-India financial institutions, and top and upper-layer NBFCs must begin governance, strategy, and risk management disclosures from FY 2025-26, with metrics and targets following from FY 2027-28. Institutions that cannot quantify their exposure to floods, droughts, and cycl

In 2025, over 1.58 lakh hectares of cropland were damaged across 13 Indian states between April and July due to floods. Maharashtra alone lost more than 90,000 hectares. Farmers had to wait for months before they received financial relief. Rural India's heavy dependence on seasonal, rainfed agriculture increases the severity of the situation. For a family whose income depends on one crop per season, a single failed harvest can take years to recover from. Why Traditional Crop