This course explains Informal Market Intelligence Usage and how reliance on informal networks and non-official sources for market information and price signals is evaluated within Agri & Rural Commercial Credit. It covers the key dimensions of MSP/mandi dependence, timing of income realisation, storage and holding constraints impacting repayment capacity, and sector risk, emphasizing the need for structured assessment, clear boundary definition, and independent validation before credit decisions are finalized. The course also distinguishes Informal Market Intelligence Usage from related credit management processes, and highlights its role within Market & Price Realisation Risk, where the credit analyst executes assessments, completes documentation, and flags exceptions for review, including escalation to credit committees where required.