This course explains Fragmented Land Risk and how operational and enforcement risks arising from fragmented landholdings are identified, assessed, and governed within Agri & Rural Commercial Credit. It covers the key dimensions of validation of landholding structures, ownership/tenancy, title continuity, and sector risk, emphasizing the need for structured assessment, clear boundary definition, and independent validation before credit decisions are finalized. The course also distinguishes Fragmented Land Risk from broader portfolio diversification strategies, and highlights its role within Land & Ownership Due Diligence, including limit setting, exception handling, and escalation to credit committees.