Agri fintech platform reaches over 11,000 borrowers across 700 villages through cattle based lending model
Chennai, 3 February 2026: Dvara E-Dairy has crossed ₹100 crore in cumulative loan disbursements, marking a significant step in expanding formal credit access for women dairy farmers through a technology led and scalable dairy finance model.
The disbursements have reached more than 11,000 women dairy farmers across over 700 villages, many of whom are accessing institutional credit for the first time. The financing has supported farmers in expanding dairy operations, typically increasing herd sizes from two to three cattle to ten to twenty cattle over a three to five year period, while building more stable and predictable farm incomes. In many households, dairy represents a primary source of independent income and economic agency for women.
Small and marginal dairy farmers have historically remained underserved by formal finance due to the absence of conventional collateral, fragmented documentation, and the complexity of livestock based cashflows. Dvara E Dairy was established to address these structural challenges by applying fintech driven innovation to dairy underwriting and credit delivery, designing systems anchored in dairy economics rather than proxy indicators.
Central to this approach is Surabhi, the company’s proprietary dairy operating platform, supported by an AI led cattle intelligence stack that brings predictability and risk transparency to dairy lending. The platform enables end to end workflows covering farmer onboarding, cattle level assessment, cashflow based underwriting, doorstep verification, and field execution.
Surabhi uses a unique bovine biometric identity known as Surabhi ID, along with cattle imagery, health data, breed characteristics, and productivity indicators, to assess income potential and align lending decisions closely with actual dairy economics, even in the absence of formal records such as printed milk slips.
By recognising cattle as productive economic assets, the platform reduces reliance on land records and traditional documentation, enabling faster, lower friction, and more responsible lending decisions at the village level.
Commenting on the milestone, Balaji Lakshmanan, Co Founder and Chief Executive Officer of Dvara E Dairy, said crossing ₹100 crore in disbursements was an important institutional marker, but its real significance lay in thousands of dairy households gaining access to credit designed around their lived realities. He said the integration of cattle level intelligence with dairy cashflow analysis demonstrates how fintech can meaningfully extend formal finance to livelihoods that have long remained excluded.
John Vincent, Co Founder and Chief Operating Officer, said the company has focused on building institutional capabilities that combine deep field engagement with technology driven underwriting. He said platforms such as Surabhi enable informed and responsible credit decisions while ensuring finance directly supports herd growth, productivity, and income stability.
As it continues to scale, Dvara E Dairy said it remains focused on deepening its village footprint, strengthening field execution, and using fintech infrastructure as a core institutional capability to sustainably extend dairy finance to underserved farmers.
Dvara E Dairy Solutions Private Limited is an agri fintech company focused on supporting small and marginal dairy farmers through technology enabled financial services and cattle management solutions. The company is part of the Dvara Holdings portfolio and the Dvara Venture Studio cohort working toward systemic change in financial inclusion.
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