Dvara E-Dairy Achieves ₹100 Crore in Loan Disbursements to Dairy Farmers

Dvara E-Dairy, a fintech company dedicated to the dairy sector, announced that it has surpassed ₹100 crore in total loan disbursements, marking a significant achievement in enhancing dairy finance accessibility in India. This initiative has impacted more than 11,000 women dairy farmers across 700 villages, many of whom are accessing formal credit for the first time.

The financing provided by Dvara E-Dairy has empowered farmers to expand their cattle holdings fr om the usual two to three animals to as many as 10 to 20 over a period of three to five years. This growth is expected to lead to more stable farm incomes, particularly for households wh ere dairy is the main source of income for women.

Central to Dvara E-Dairy's approach is its proprietary platform, Surabhi, which utilizes an AI-driven 'Cattle Intelligence Stack' to enhance lending and insurance processes. This platform facilitates comprehensive workflows from onboarding to cattle-level assessment and cashflow-based underwriting, leveraging unique bovine biometric identities and other indicators to align credit decisions with actual dairy economics.

The technology allows Dvara E-Dairy to recognize cattle as productive assets, reducing the reliance on traditional documentation such as land records, and enabling more efficient lending decisions. Balaji Lakshmanan, Co-Founder and CEO, stated that the milestone represents thousands of dairy households accessing credit tailored to their realities.

John Vincent, Co-Founder and COO, emphasized the focus on building institutional capabilities through technology-driven underwriting and its direct support for herd growth and income stability. The initiative demonstrates how fintech can enhance access to formal finance for long-excluded livelihoods.