Dvara KGFS was incorporated in August 2008 by Dvara Trust, a private trust set up with the mission “to ensure that every individual and every enterprise has complete access to financial services.” Dvara KGFS works towards achieving this goal through its network of branches in remote rural areas that offer a range of financial products and services. The organisation instils this mission into its business by facilitating and originating financial products and services through a unique branch-based business model called Kshetriya Gramin Financial Services (KGFS), which translates to “Regional Rural Financial Services.”
“After completing high school, my parents were very keen that I take up engineering, which I did, and I ended up completing a Bachelors in Mechanical Engineering. Post which, I joined a reputed firm as a Quality Engineer but knew very quickly that this line of work was not for me. I decided...
As a weaver, I have been into making sarees for over three decades now. The lockdown and the resulting situation is something that I have never experienced before. The demand has come to a standstill, especially with no marriage functions being held, which used to be a major source of revenue. Th...
I have been a customer of KGFS for over four years now and have relied on them for my financial needs over the years. With the first loan that I took from them, I started my journey into the dairy business, which I continue to run.The income from dairy, along with what I earn from the little Agri...
“We have been into agriculture for generations. My father and grandfather were both farmers, and I walked in their footsteps to be one too. We own three acres of land and sow vegetables evenly. There are challenges as with any profession; however, our experience and understanding of the cro...
“I got married to my husband, a farmer when I was just 20 years old. It has been 20 years since then. We have two children now. My husband’s income from the farm was always minimal through the years and we did not have any substantial savings. To make matters worse, 10 years ago, my h...
Kasthuri lives in Risiyur village in the Thiriuvar District of Tamil Nadu. Her husband works overseas as a salesperson so he can earn more and provide for the family.Kasthuri looks after her 2-year-old daughter and runs her own tailoring unit. The pandemic caused severe financial difficulties as ...
It was a Wealth Manager from KGFS that came as a ray of hope during a very difficult time that I found myself in about five years ago. I don't recollect her name, but had it been not for her, I am not sure what I would have done. I had taken a loan to purchase cattle to earn an income, however, h...
“Every village household knows that gold is a huge necessity. Because most of our husbands here are engaged in farming or some sort of daily wage labour, our incomes aren’t stable, and we cannot rely on that to run our households or meet sudden immediate expenses. Hence, we all hope t...
“I joined the Dvara E-Dairy team as an intern working on developing an app that would collect cattle details and images from the farmer and store it on the cloud. One of the challenges we had to navigate was patchy internet connectivity from the field which we circumvented by storing inform...
Kempalamma works as an agricultural labourer in the village of Jakkahalli. Her husband is a mason and together they have two daughters and a son.
The Covid-19 pandemic has not been kind to Kempalamma and her family. Her husband lost his job and due to constant financial constraints, ...
“I have been a mechanic for over 20 years now, running a welding/repair shop that caters to all types of vehicles. It’s a profession that I am well versed in, and I supplement my income by also operating a travel cab and vehicles for vegetable transport. I was briefly in Singapore doi...
“The lockdown and the restrictions it brought about was a very difficult period for me to manage things financially. My husband works in Singapore as a labourer, and from March onwards he hasn't sent in any money. Things came to a standstill, and it's an experience that I would never forget...
They say inspiration can come from anywhere, and I found mine in my son's school. I always liked doing make-up; at a fancy dress competition that my son participated in, I got a chance to showcase my skills. The response was overwhelming, and he eventually won the first prize. The teachers at sch...
Seethalakshmi has been part of the Dvara team for the last ten years. Born and brought up in Tirunelveli district, Tamil Nadu, she moved to Chennai 25 years ago and now lives here with her husband and two children. Her husband is a security guard at a school, and together they have raised and edu...
I’ve borrowed from microfinance companies earlier, but the experience of availing credit through Dvara E-Registry and Dvara KGFS was a truly unique experience for me. The loan amount was adequate, and the interest rate was affordable for me. Also, the loan was disbursed on time. We are happ...
Our headquarters and branches span across different locations to cater to specific geographical and demographic requirements of a population of 5 million+.
