Davinta has established a robust, trusted, and secure branchless banking channel to assist clients who offer financial products and services to unbanked customers across geographies.


For our banking clients, we offer a channel combined with technology platform that enables quick acquisition and servicing of customers at any point in time. While offering value to customers, this also gives banks an opportunity to reach out to a larger population.

  • JLG Loans
  • Recurring Deposits
  • Remittance
  • Savings
  • Self Help Group (SHG) Loans

Joint Liability Group (JLG) is a lending model that enables a group of individuals (usually five) to take a group loan, wherein the responsibility of loan recovery lies on all the group members. JLG-based credit is an industry proven concept and it has been successfully implemented in several countries.


Forming and nurturing small, homogeneous and participatory self-help groups (SHGs) amongst the poor, has emerged today as an effective tool for human development, which especially improves the quality of life by giving access to formal credit.

Mojority of transactions in rural areas are cash transactions. Davinta’s solutions help convert this cash to e-money and then be processed / transferred to various domestic and international locations.

Davinta provides financial services for entrepreneurs and small businesses lacking access to banking and related services. This, in turn, promotes economic development, employment and growth through the support of micro-entrepreneurs and small businesses.


Due to limited access to official banking channels, people of the last-mile usually end up paying a much higher interest rate. Davinta’s aim is to facilitate easy credit to these people at affordable interest rates.

For telecom operators, it’s a challenge to cater to the last-mile. It is difficult not only to set up and maintain infrastructure to service rural areas, but also to collect payments in these areas as physical distribution of recharge cards is less viable and exposure to online payment channels is minimal.


Davinta offers utility and bill payments as integral part of its solution. Telecom providers can take benefit of Davinta’s widespread reach to service the last-mile.

Davinta offers revolutionary technology solutions to improve the operational efficiency of social benefit schemes such as the Mahatma Gandhi National Rural Employment Guarantee Scheme – MGNREGs and Social Security Pensions – SSP. These benefits are transferred through the electronic benefit transfer (EBT) scheme, which is a part of the overall Financial Inclusion Plan (FIP), where to begin with, a bank account is required to provide a range of permissible banking services.


Davinta offers its technology right from the enrolment of beneficiaries, issuance of biometric smart cards to the disbursement of wages. It also offers scheme-specific solutions to various stakeholders.

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