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.”

Dvara KGFS uses a customer-centric, technology-enabled business strategy to provide products and services through a distinctive “Wealth Management” approach. A financial well-being report, which serves as a tool to assess the suitability of a customer’s chosen product, is created by gathering information on a household’s assets, liabilities, income, expenses, and financial goals.

Our headquarters and branches, positioned in different locations, cater to a clearly defined geographical area spread over a contiguous location with a population of 5 million. As a business correspondent for banks and other financial institutions, we also collaborate with them on the distribution front using the direct origination approach (BC).

To help fulfil our vision of becoming a “Rural FinTech,” Dvara KGFS has embarked on an ambitious and innovative journey of implementing an omnichannel strategy for our customers by ensuring better reach, last mile connect, increased touchpoints, deeper penetration, and better products and services. The various components of this omnichannel network, apart from our traditional branch-based business model, include the following:

KGFS Digital: We operate in several villages, each with a network of digital agents that can provide a range of products and services to our clients.

Through cross-selling and up-selling, KGFS Direct, our inside sales channel, provides our current clients with digital access to a variety of products and services.

MyKGFS WhatsApp: Users can enable a variety of services using our self-service WhatsApp Chatbot channel, including digital EMI payments.

KGFS Branch on Wheel is our mobile branch, which allows us to serve customers at their doorsteps in the remote deep rural villages where we work.

KGFS Partnerships: Through our Business Correspondent Partnership model, we collaborate with FinTechs to originate business and provide better products and services to customers.

Our recent acquisition of Saija Finance Pvt. Limited has only further strengthened our reach and our customer base by adding new geographies, branches, and customers to Dvara KGFS. We are now present in 10 Indian states through 395 branches spread across 21,641 villages and 106 districts.


Our mission is to maximise the financial well-being of every individual and every enterprise by providing complete access to financial services in remote rural India.