Dhosa Fincare Pvt Ltd!

Empowering Your Journey with Expertise and Integrity

The Future of India lies in its villages

There are 857 Million rural customers in India

About Our 23 years of journey

Dhosa Fincare Pvt. Ltd (DFPL) is registered under the Indian Companies Act , 2013.

DHOSA Fincare Pvt. Ltd. is a leading grassroots development organization that has been operating since 2003. Previously, it was known as DCBS (Dhosa Chandaneswar Bratyajana Samity). Our company is an authorized Business Correspondent for multiple banks and non-banking financial companies (NBFCs) in India. DHOSA provides micro-loans under the Joint Liability Group (JLG) model, credit-linked insurance, and individual and group-based savings accounts, delivered directly to the doorsteps of its members on behalf of its banking partners.

Our Mission

To serve 5 lakhs customers by 2027.

Our Vision

Empower the Financially underserved segment of society in cost effective manner.

As on March 26th

No of State:
2

No of districts:
24

No of branches:
74

Active Borrowers:
63773

AUM (in Crore) :
240 Cr

Geographic Location

Head Office

BB-164,Second Floor, Sector-1, Salt Lake City,

Kolkata-700064.

Our Products

MSME

We offer individual loans to micro or small traders, small shops or businesses with a vintage of three months...

DETAILS

FIG

A loan for farmers to fund agriculture and related activities as a group.

DETAILS

IGL

A loan designed to empower economically active women in low income areas engaged in small trade, providing them...

DETAILS

Success Stories

Success Story of

Mrs. Madhavi Sarkar, Uttar Dinajpur

Mrs. Madhavi Sarkar, a 50 year old lady from the Poradanga group of South Dinajpur had agriculture as their only source of income but didn’t have their land. She took a Loan of Rs. 50000 from Dhosa Fincare pvt ltd on 26th October 2023 and used that loan for agriculture process. She entered into an agreement on land. Thereby using the land for cultivation purposes. She entered into an agreement land. Thereby using the land for cultivation purposes. She bought her land using the profit earned from selling the Agro – commodities producted from the land she entered into the...

Success Story of

Mrs. Bhabani Barman, Uttar Dinajpur

Mrs. Bhabani, a 45 year old member of Ram Haripur Group in Dhosa Fincare pvt ltd from a village in Uttar Dinajpur district, West Bengal, relied on agriculture as her sole source of income. Faced with challenges like floods and crop diseases due to climate change, she opted for a group loan sustain her agricultural practices. In 2023, she borrowed Rs. 50,000for two years, repaying it in fifteen-day intervals. These initiatives are transforming methods and contributing to her family’s income showcasing her proactive approach to addressing challenges through loan utilization. It’s inspiring to see Mrs. Bhabani’s resilience and problem-solving attitude...

Success Story of

Mrs. Kamala Barman, Uttar Dinajpur

Kamala Barman, A 55 year old woman and member of Dhosa Microfinance group supports a family of five. Initially running a small sweet shop with sales dependent on occasion, she decided to take a group loan of Rs. 55,000 nine months ago. Since then, she had observed positive changes; the sweet shop is now running successfully, and her income has notably increased. This group loan has proven to be a valuable support for individuals in circumstances, making Kamala an inspirational figure for others in similar situations....

Success Story of

Mrs. Tori Barui, Purulia

In order to help these marginalized individuals mainly women, Dhosa Fincare Pvt Ltd proposed a Joint Liability Group (JLG) that would lend money to them without requiring any security. Each JLG member was accountable to the others. This case study that follows concerns a resident of Bero In the West Bengal district of Purulia. Farming and cow rearing are the two main professions.Tori Barui is a 35 year old house wife from Bero village, She has a 6 years old son. Her husband was a wage laborer ,monthly income was Rs. 5000 but the family faced lots of financial stress.So she...

Grievance Officer Details
Lender Name	1.Avanti Finance Private Limited 2.Avanti Microfinance Private Limited
Services Offered	1. Sourcing of loan applicants. 2. Providing collection-related services to the borrowers sourced by Dhosa in the Avanti Credit program. 3. Servicing and assisting the borrowers during the lifecycle of the loan tenure. 4. Act as the first-level grievance redressal for borrowers in the field.
Nodal Officer details (Escalation 1) :	Name: Saurabh Kumar Designation: Nodal Officer Email: saurabh.kumar@avantifinance.in Nodal Officer Number: +91 98450 93467
Grievance Officer	Name: Edwin Samuel Designation: Grievance Officer Email: edwin.samuel@avantifinance.in Grievance Officer Number: +91 98803 65147
Lender website URL	https://www.avantifinance.in/ , https://www.avantimfin.in/
DLG Disclosure as of May 31^st 2025 for Avanti finance	1. Portfolio 1 – 20,76,50,000 2. Portfolio 2 – 23,97,15,008 3. Portfolio 3 – 12,84,28,000 4. Portfolio 4 – 7,09,15,000 5. Portfolio 5 – 16,65,83,000 6. Portfolio 6 – 7,80,86,000
DLG Disclosure till 28^th FEB 2026 for Avanti finance	1. Portfolio 1 – 228,239,780.06

Empowering Your Journey with Expertise and Integrity

The Future of India lies in its villages

There are 857 Million rural customers in India

About Our 23 years of journey

As on March 26th

Geographic Location

Our Products

Success Stories

Our Partners