A common thread across rural sources of livelihoods is their informal nature and consequentially the absence of monthly cash flows.
The cash flows are often irregular, and the variations may range from being daily to being seasonal in nature. Most rural households depend on multiple sources of income for basic needs like food, shelter and access to essential services like health and education.
Particularly for agriculture, we understand that riskiness of the business is contributed to three main factors:
- Time lag between investments and returns
- Volatility of commodity markets
- Underdeveloped financial markets
Our Initiatives
Dvara E-Registry aims to help channel financial products to rural India using an intelligent blend of macro and micro alternative and traditional data to bridge the information asymmetries between clients and providers.
By harnessing a variety of technologies like mobile and GIS and the power of Machine Learning, E-Registry makes the process of participating in the mainstream financial marketplaces seamless and enables customisation of products.
These credit products will add additional value when coupled with adequate agricultural know-how, access to relevant information about government schemes, agri-services, and price awareness across marketing platforms. Better farm productivity and price realization for farm produce ensure the ability to repay loans at market-determined interest rates.
Dvara Initiatives
Impact
At A Glance
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Where We Are
Our Presence
Tharakeswar is the Co-Founder & Interim CEO at Dvara E-Registry. He spearheads development and strategy, builds profitable partnerships with banks, NBFCs, insurance companies and governments. He manages a team of resources to design solutions that cater to the financial needs of the rural and agriculture segment. He brings to the team an experience of 18 years in Banking and Rural lending.
He has worked with SIDBI, AXIS Bank, ICICI Bank and Oikocredit in the areas of Agri lending, Corporate Banking, MSME lending, Microfinance and Financial Inclusion. He has led large teams successfully in the spaces of credit risk, product management, and business development during his previous assignments. He has developed successful models for financing agriculture value chain opportunities in his earlier stints.
He has worked with SIDBI, AXIS Bank, ICICI Bank and Oikocredit in the areas of Agri lending, Corporate Banking, MSME lending, Microfinance and Financial Inclusion. He has led large teams successfully in the spaces of credit risk, product management, and business development during his previous assignments. He has developed successful models for financing agriculture value chain opportunities in his earlier stints.
Tarun is the Co-Founder and Head of Value Chain at Dvara E-Registry. Tarun leads the team working on connecting farmers and constituent stakeholders of the agri value chain through E-Registry’s tech-platform. He has nearly a decade of experience in agriculture and trade markets. He started his career with developing supply chain in perishable commodities. Going forward, he worked with commodity exchange in different roles like business development, product manager and developing over the counter (OTC) trading platforms. Later, he moved into trading and worked as a merchant trader trading in agri commodities. He has extensive experience working with farmers and other value chain participants from across the country. Tarun has an MBA from National Institute of Agricultural Marketing (NIAM) in Agri-Business Management and a BSc in Horticulture from Dr. Yashwant Singh Parmar University of Horticulture and Forestry. He holds the distinguished honour of being awarded the Gold Medal for being an All Round Best Graduate.
Senthil is the Co-Founder & Head of Agronomy and Administration at Dvara E-Registry. Senthil is an agronomist and his current role at Dvara E-Registry focuses on developing the crop specific analytics for DER’s tech solutions for farmers. He also designs and develops the agronomic advice for various crop which ranges from information on soil fertility, nutritional, crop management and plant protection guidance to farmers across India. Senthil brings to the team a rich 20 years of work experience in commercial plant breeding, crop development and enhancement backed with a solid R&D experience. Over the years, he has been associated with reputed market leaders such as IRRI, BASF, E. I. D Parry, DuPont, Advanta seeds and Tamil Nadu Agriculture University. Senthil holds an MSc in Agriculture-Genetics and Plant breeding.