HDFC ERGO's "SAKSHAM" app is a comprehensive tech solution for crop risk management. Required Permission: • Location - This Application collects your device's location, which helps the Service Provider determine your approximate geographical location and make use of it in the following ways: Geolocation Services: The Service Provider utilizes location data to meet the app's core functionality and perform the location-based surveys. KML Plotting: We are plotting a KML while performing the survey which requires an approximate and accurate location (whichever is available first as the app is supported offline also).