|
|
|
You can get e-magazine links on WhatsApp. Click here
|
|
|
|
|
|
Dvara E-Dairy crosses Rs 100 cr disbursement milestone, unlocking formal credit for women dairy farmers
|
|
Wednesday, 04 February, 2026, 08 : 00 AM [IST]
|
|
Our Bureau, Mumbai
|
Dvara E-Dairy, a specialised agri-fintech company focused on dairy-led livelihoods, has crossed Rs 100 crore in cumulative loan disbursements, marking a major milestone in building a scalable, technology-driven dairy finance ecosystem in India.
The company has extended formal credit to over 11,000 women dairy farmers across more than 700 villages, many of whom are accessing institutional finance for the first time. The funding has enabled farmers to systematically expand their dairy operations—typically growing herd sizes from 2–3 cattle to 10–20 cattle over a 3–5 year period—thereby creating more stable, predictable incomes. For women-led households, dairy often serves as a primary source of independent income, helping them transition from subsistence farming to entrepreneurial dairy enterprises.
Despite being a critical rural livelihood, dairy has traditionally remained underserved by formal finance due to challenges such as lack of conventional collateral, fragmented documentation, and the perceived complexity of livestock-based cash flows. Dvara E-Dairy was founded to address these structural gaps by designing credit systems rooted in dairy economics, rather than relying on proxy indicators like land ownership.
At the heart of this model is Surabhi, the company’s proprietary dairy operating platform powered by an AI Cattle Intelligence Stack. Surabhi enables end-to-end phygital workflows, including farmer onboarding, cattle-level assessment, cashflow-based underwriting, doorstep verification, and field execution. Using Surabhi ID, a unique bovine biometric identity, along with cattle imagery, health, breed, and productivity indicators, the platform assesses income potential even in the absence of formal records such as printed milk slips.
This technology-led approach allows Dvara E-Dairy to recognise cattle as productive economic assets, reduce dependence on land records, and deliver faster, lower-friction, and more responsible lending at the last mile.
Commenting on the milestone, Balaji Lakshmanan, co-founder and CEO, said the achievement reflects thousands of dairy households gaining access to finance aligned with their lived realities. John Vincent, co-founder and COO, added that combining deep field engagement with rigorous, tech-enabled underwriting has been key to ensuring finance directly supports herd growth, productivity, and income stability.
As it scales further, Dvara E-Dairy plans to deepen its village footprint and strengthen field execution, positioning fintech infrastructure as a core institutional capability to sustainably serve underserved dairy farmers.
|
|
|
|
|
|
|
|
|
|