Approximately, 10% of Indians every year fall into poverty because of a hospitalisation event. Many more experience considerable financial stress or forego care.

While access to basic financial services, say a loan, is helpful to generate some emergency cash, we need more holistic solutions for families to afford healthcare on a sustainable basis.

Our Initiatives

Dvara Health Finance’s (DHF) mission is to ensure that spending on health translates into better financial and health outcomes for all Indians. We will do this by giving households a better way to pay for health and improving the value derived from health spends.

Its first product is NEEM. NEEM is a bundle comprising access to a health team (health worker + digital health platform), affordable medicines and financial solutions tailored for health needs. We have specialised offerings for those with diabetes management and cardiovascular health management needs.


Bindu Ananth

Founder & CEO
Bindu Ananth, Founder & CEO, Dvara Health Finance: Bindu is the Chair and Managing Trustee of Dvara Holdings (Formerly Dvara Trust). She was Board Chair of Northern Arc Capital from 2009 – 2018. Prior to this, Bindu worked in ICICI Bank's microfinance team between 2001 and 2005 and was head of the new product development team within their Rural Banking Group in 2007.

She has an under-graduate degree in Economics from Madras University and Masters Degrees from the Institute of Rural Management (IRMA) and Harvard University's John. F. Kennedy School of Government.

Bindu has co-edited “Financial Engineering for Low-Income Households”, a book published by SAGE. She has also published in the Economic and Political Weekly, OECD Trade Paper Series and the Small Enterprise Development Journal. She was a member of three RBI Committees: financial inclusion, SME finance and housing securitisation. She was a member of the Taskforce of the Insolvency & Bankruptcy Board of India (2017). She was a member of the Government of India’s High Level Committee on Women (2014-15) and the Tamil Nadu Government’s Expert Committee on Revival of MSMEs (2022).

She is an Independent Director of NeoGrowth Credit, Avanti Finance and Syngenta Foundation. Bindu was a recipient of the ET Prime Women’s Leadership Award in 2020.

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