Samir Shah

Incorporated in 2017, Dvara Solutions is an ISO 9001:2015 certified technology product company with a mission to enable financial institutions to be highly customer-centric. Our flagship product – Perdix – is a comprehensive technology product for digitising key aspects of a financial institution’s process. Technology products designed and offered by Dvara Solutions includes its flagship product Perdix that comprises of the customer management and loan management systems. Perdix also has centralised audit, e-learning and business intelligence tools to cater to all the technology needs of a growing financial institution. Further, Dvara’s mobile technology solutions offer full functionality of all its technology products on mobility devices such as mobiles and tablets. This provides a competitive edge to the financial institution making it truly customer centric.

Dvara Kshetriya Gramin Financial Services Private Limited (Dvara KGFS) is a leading non-banking financial company (NBFC) that operates in remote rural areas of India. Established in 2008, the company focuses on providing financial services to low-income households and small businesses. Dvara KGFS offers a range of financial products, including savings, credit, insurance, and investment services, and uses a customer-centric approach to serve the needs of its customers. The company has a presence in 10 states of India, with 390 branches and a workforce of over 2,800 employees. Dvara KGFS is committed to creating sustainable livelihoods and contributing to the socio-economic development of rural India.

Northern Arc Capital Limited (NACL) is a diversified financial services platform focused on expanding the flow of credit to individuals and businesses across India. The Company operates a differentiated credit model that combines Direct-to-Customer (D2C) lending with a Credit Solutions for Origination Partners. Under its D2C lending business, NACL lends directly from its balance sheet to end customers across the MSME, consumer, & rural segments through a nationwide network of 372 branches & 55 digital partnerships. Complementing this, the Credit Solutions business enables 357 Origination Partners to access capital through Northern Arc’s fund management platform, placements from external investors, & the Company’s own balance sheet. Together, this integrated approach has facilitated financing of approximately INR 2.4 trillion to date, impacting over 130 million lives. As a platform, NACL manages assets aggregating INR 18,328 crore, comprising a lending balance sheet of INR 15,121 crore & assets under management of INR 3,207 crore within its fund business. In addition, the Company has facilitated credit placements of INR 1,23,365 crore to external investors. The platform is powered by technology, data-driven underwriting, & deep sectoral expertise, positioning Northern Arc as a distinctive and scalable credit solutions franchise within the financial services ecosystem. It is backed by leading global investors including LeapFrog Investments, Affirma Capital, Eight Roads, the International Finance Corporation (IFC) and SMBC, & is guided by an experienced & highly regarded Board of Directors. The Northern Arc group comprises NACL which is the holding & operating company; Northern Arc Investment Managers Limited, which houses the fund management business; Northern Arc Securities Limited, which operates the online bond platform; Pragati Finserv Limited, exclusive rural distribution arm; & Northern Arc Foundation, the Company’s CSR arm. * Data as of December 31, 2025.

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Incorporated in 2017, Dvara Solutions is an ISO 9001:2015 certified technology product company with a mission to enable financial institutions to be highly customer-centric. Our flagship product – Perdix – is a comprehensive technology product for digitising key aspects of a financial institution’s process. Technology products designed and offered by Dvara Solutions includes its flagship product Perdix that comprises of the customer management and loan management systems. Perdix also has centralised audit, e-learning and business intelligence tools to cater to all the technology needs of a growing financial institution. Further, Dvara’s mobile technology solutions offer full functionality of all its technology products on mobility devices such as mobiles and tablets. This provides a competitive edge to the financial institution making it truly customer centric.

Dvara Kshetriya Gramin Financial Services Private Limited (Dvara KGFS) is a leading non-banking financial company (NBFC) that operates in remote rural areas of India. Established in 2008, the company focuses on providing financial services to low-income households and small businesses. Dvara KGFS offers a range of financial products, including savings, credit, insurance, and investment services, and uses a customer-centric approach to serve the needs of its customers. The company has a presence in 10 states of India, with 390 branches and a workforce of over 2,800 employees. Dvara KGFS is committed to creating sustainable livelihoods and contributing to the socio-economic development of rural India.

Dvara Trust is a private trust whose mission is to ensure that every individual and every enterprise has complete access to financial services. We bring to our efforts expertise in the design, delivery and scaling of financial services and a deep understanding of mainstream markets.