Dvara E-Dairy Crosses ₹100 Crore in Disbursements,
Expanding First-Time Access to Formal Credit for Women Dairy Farmers
Chennai, India, 03 February 2026 — Dvara E-Dairy, a specialised agri fintech company
focused on dairy, today announced that it has crossed ₹100 crore in cumulative
loan disbursements, marking a significant milestone in building a scalable,
technology-led dairy finance ecosystem in India.
The disbursements have reached over 11,000 women dairy
farmers across 700+ villages, many of whom are accessing formal institutional
credit for the first time. The financing has enabled farmers to
systematically accelerate their dairy operations—expanding herd size from
typical 2-3 cattle to 10-20 cattle over a 3-5 year horizon and build more stable and predictable farm
incomes—particularly in households where dairy serves as a primary source of
independent income and economic agency for women, enabling
them to transition from subsistence farming to entrepreneurial dairy
enterprises.
Despite dairy being a critical rural livelihood, small
and marginal dairy farmers have historically remained underserved by formal
finance due to the absence of conventional collateral, fragmented
documentation, and the perceived complexity of livestock-based cashflows. Dvara
E-Dairy was founded to address these structural barriers by applying
fintech-led innovation to dairy underwriting and delivery, designing credit
systems grounded in dairy economics rather than proxy indicators.
At the core of this approach is Surabhi, Dvara
E-Dairy’s proprietary dairy operating platform, underpinned by an AI Cattle Intelligence
Stack that brings identity, predictability, and risk transparency to dairy
lending and insurance. Surabhi enables end-to-end phygital workflows spanning
onboarding, cattle-level assessment, cashflow-based underwriting, doorstep
verification, and field execution. The platform leverages Surabhi ID—a unique
bovine biometric identity—along with cattle imagery, health, breed, and
productivity indicators to assess dairy income potential and align credit
decisions closely with real dairy economics, even for farmers without formal
records such as printed milk slips.
This technology-led approach allows Dvara E-Dairy to
recognise cattle as a productive economic asset, reduce dependence on
traditional documentation such as land records, and enable faster,
lower-friction, and more responsible lending decisions at the last mile.
Commenting on the milestone, Balaji Lakshmanan,
Co-Founder and CEO of Dvara E-Dairy, said: “Crossing ₹100 crore in
disbursements is an important institutional milestone for us, but its real
significance lies in what it represents—thousands of dairy households, many of
them first-time borrowers, gaining access to credit designed around their lived
realities. By combining cattle-level intelligence with dairy cashflow analysis,
we are demonstrating that fintech can meaningfully expand access to formal
finance for livelihoods that have long remained excluded.”
John Vincent, Co-Founder and COO, added: “Our focus has been on building
institutional capabilities that combine deep field engagement with rigorous,
technology-driven underwriting. Platforms like Surabhi allow our teams to make
informed, responsible credit decisions while ensuring that finance directly supports
herd growth, productivity, and income stability for dairy farmers.”
As Dvara E-Dairy continues to scale, the company
remains focused on deepening its village footprint, strengthening field
execution, and using fintech infrastructure as core institutional capacity to
sustainably extend dairy finance to underserved farmers.
About Dvara E-Dairy
Dvara E-Dairy Solutions Private Limited is
focused on solving the problems of small and marginal dairy farmers by building
an ecosystem platform and deploying new-age technologies, and providing access
and scale in financial services and cattle management services. It aims to
create synergy between dairy farmers, financial services institutions and value
chain companies to assist them in making informed decisions.
It is an agri fintech
portfolio company of Dvara Holdings and is part of the Dvara Venture Studio
cohort that Dvara Holdings is pioneering into being the premier start-up
partner in India for entrepreneurs working towards large-scale systemic change
in financial inclusion.
For more information,
visit: https://dvaraedairy.com
