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The untimely onset and uneven distribution of south-west monsoon rainfall lead to agricultural drought causing reduction in food-grain production with high vulnerability over semi-arid tract (SAT) of India. A combined deficit index (CDI) has been developed from tri-monthly sum of deficit in antecedent rainfall and deficit in monthly vegetation vigor with a lag period of one month between the two. The formulation of CDI used a core biophysical (e.g., NDVI) and a hydro-meteorological (e.g., rainfall) variables derived using observation from Indian geostationary satellites. The CDI was tested and evaluated in two drought years (2009 and 2012) within a span of five years (2009-2013) over SAT. The index was found to have good correlation (0.49-0.68) with standardized precipitation index (SPI) computed from rain-gauge measurements but showed lower correlation with anomaly in monthly land surface temperature (LST). Significant correlations were found between CDI and reduction in agricultural carbon productivity (0.67-0.83), evapotranspiration (0.64-0.73), agricultural grain yield (0.70-0.85). Inconsistent correlation between CDI and ET reduction was noticed in 2012 in contrast to consistent correlation between CDI and reduction in carbon productivity both in 2009 and 2012. The comparison of CDI-based drought-affected area with those from existing operational approach showed 75% overlapping regions though class-to-class matching was only 40-45%. The results demonstrated that CDI is a potential indicator for assessment of late-season regional agricultural drought based on lag-response between water supply and crop vigor. (C) 2015 Elsevier B.V. All rights reserved.