The launch comes as the company crossed a milestone of INR 150 crore in cumulative disbursements, spread across more than 33,000 loans in 50 districts and 3,000 villages across five states, through a network of over 250 Farmer Producer Organisations (FPOs).
Unlike conventional agricultural finance focused on seasonal crop loans or Kisan Credit Cards, Dvara’s Micro LAP product is designed to provide longer-tenure, asset-backed financing, allowing smallholders to unlock value from land holdings. The funds can be used for enterprise diversification, capital investment, or to build financial resilience.
Dvara E-Registry leverages its proprietary KhetScore engine, a satellite-powered AI credit model that assesses farm-level parameters such as crop health, irrigation status, and historical yield data to underwrite creditworthiness in data-poor rural segments.
Its digital platform, Doordrishti, connects farmers with lenders, FPOs, and agri-input providers, offering transparency and efficiency across the agri value chain.
“Traditional farm credit has not kept pace with the changing aspirations and risks faced by rural entrepreneurs. Micro LAP fills a critical gap by enabling land-based credit for non-seasonal uses,” a company spokesperson said.
The announcement aligns with India’s broader push for agricultural value chain formalisation and inclusive rural financial services. With banks and non-banking financial companies (NBFCs) increasingly exploring partnership models with agri-fintechs, Dvara’s tech-driven, decentralised infrastructure could serve as a replicable model for wider adoption.
