Dvara Entrepreneur-in-Residence

The Dvara EIR (Entrepreneur-in-Residence) Program is a unique program run by Dvara Trust where we at Dvara partner with talented, passionate, innovative and insightful entrepreneurs to build new businesses that fulfil the Dvara Mission of financial inclusion.

Over the last ten years, we have developed unique insights and capabilities through our businesses and research work in the area of financial inclusion. These insights, developed over the years by working with remote rural households in India, has enabled us to build pioneering businesses and undertake rigorous research that has moved the needle forward on financial inclusion.

We are very excited about the opportunities that are getting unlocked through the structural transformations we see all around.

At the same time, we have a sense of urgency around solving un-solved problems for low-income households in India, for instance, how can we design better channels to serve households or curate new services that re-imagine the design of financial services for the segment.

We want to pursue these newer opportunities through a more open and inclusive approach and invite opportunities to partner with entrepreneurs (EIRs) who have great ideas or are willing to listen to ours and build newer businesses that help serve low-income households in more compelling ways than ever done before.

We promise to offer a unique environment for our EIRs that gives them an anchor of our mission, access to patient capital, opportunity to gain insights from our talented researchers at Dvara Research, collaborate, learn and partner with other leaders in our group companies and to benefit from our network of partners.

Our Incubations

Dvara Money

Dvara Money is a digital platform that aims to provide a comprehensive neo wealth management offering to the urban underserved by leveraging technology, institutional partnerships and deep customer insights to deliver focused and curated solutions to their customers. With an innate understanding that the formal financial system can be complex, Dvara Money works towards taking away that complexity and offer customers an ability to take advantage of high-quality and curated financial products that are relevant to their needs.   Know More

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Pramod Ghorpade

Co-Founder & CEO,
Dvara Money
Pramod is the Co-Founder and Director at Dvara Money and has extensive experience spanning over 20+ years working in different roles and various technologies across domains in companies like Cisco, NetApp, and Avaya. He has also partnered and mentored multiple start-ups as part of his experience. He holds a Bachelor’s degree in Electronics and Communication and a Masters in Business Administration.
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Yamuna Sastry

Co-Founder & Chief Impact Officer,
Dvara Money
Yamuna is the Co-Founder at Dvara Money and the Founder and CEO of CabDost, which merged with Dvara Money in January 2021. She has also worked as the Assistant Professor at REVA University and as a Senior Risk Consultant at KPMG. Yamuna was recognized as one of the Top 15 Women Entrepreneurs and was awarded the Women Transforming India Award 2018.
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Shafeeque Thazhatheri

Co-Founder,
Dvara Money
Shafeeque is the Co-Founder at Dvara Money and the Co-Founder of CabDost. Previously, Shafeeque has worked in the financial services industry and is skilled in Financial Management, Business Planning, Operations Management, Strategic Planning, and Leadership.

Dvara E-Registry

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, Dvara E-Registry makes the process of participating in the mainstream financial marketplaces seamless and enables customisation of products.   Know More

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Sanjay Mansabdar

Founder & CEO,
Dvara E-Registry
Sanjay is the Founder and Managing Director at Dvara E-Registry. He has over 25 years of experience across Financial Markets, Venture Capital, AI, Consulting and Education. As an entrepreneur and investor, Sanjay has significant expertise in transforming ideas to solutions. Sanjay holds a B.Tech in Mechanical Engineering from IIT Bombay and a PGDBM from XLRI, Jamshedpur. He is also a Ph.D. candidate in Economics and Finance from BITS-Pilani.

Dvara SmartGold

Dvara SmartGold aims to provide a comprehensive ‘phygital’ investment vehicle to financially integrate every household in the country through a uniquely curated gold savings plan that allows savings in small flexible instalments allowing for the ability to use the holdings. Dvara SmartGold operates on a digital model and is intended to be a mobile solution for the middle and lower-income households to purchase gold in the most convenient, secure and cost-effective manner.   Know More

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Sanjeev Agarwal

Co-Founder & CEO,
Dvara SmartGold
Sanjeev Agarwal is the Founder and Director at Dvara SmartGold. His foray into new Business Development began in the early years of his career handling the Sales, Distribution and Brand Management of new category launches by Hindustan Levers and Cadburys. His vast experience includes previous positions as Chair, FICCI Gems & Jewel Council, MD, World Gold Council and Director, Deutsche Bank. He has a unique combination of experience and exposure to sales and marketing and business unit development across consumer and luxury Products, banking and financial services.
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Rajeev Agarwal

Co- Founder,
Dvara SmartGold
Rajeev is the Co-Founder at Dvara SmartGold. He has extensive experience across Healthcare, Mobile & Internet Commerce having worked in VeriFone/HP, GE Healthcare, BioImagene, Philips, Ricoh Innovations and several startups. While at Philips, Rajeev created and launched an e-ICU solution for T2/T3 cities for which he received the CEO Award for Best Innovation in 2013. Rajeev also created an innovative service solution which disrupted the Employee Health & Wellness space and brought Ricoh into the Healthcare industry.

Dvara E-Dairy

Dvara E-Dairy Solutions aims to empower every small and medium dairy farmer in India with comprehensive financial and cattle management solutions in order to help them participate and prosper in the growing dairy economy by providing them suitable digital solutions by leveraging new age technologies. The solutions include an IoT as well as a mobile one.   Know More

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Ravi K A

Founder & CEO,
Dvara E-Dairy
Ravi K A is the Director at Dvara E-Dairy. He has vast experience across Agribusiness and Rural Finance and extensive exposure across the entire product life cycle including product development, rural sales and marketing. He holds a Masters degree in Management from the prestigious Asian Institute of Management, Manila and brings hands on experience in conceptualizing and leading implementation of innovative financial inclusion model for rural India.