Ratnam has been associated with Dvara for the past 12 years most recently, as Chief Business Officer of Dvara KGFS

Ramkumar Ratnam

Dvara KGFS Digital Services, a subsidiary of Dvara Kshetriya Gramin Financial Services (Dvara KGFS) has announced the appointment of Ramkumar Ratnam as Chief Executive Officer.

Under his leadership, the company, which is focused on building digital infrastructure and expanding access to financial services in rural India, will focus on strengthening its digital payments ecosystem, expanding service offerings and deepening financial access across rural and underserved communities.

Ratnam has been associated with Dvara for the past 12 years most recently, as Chief Business Officer of Dvara KGFS.

Dvara KGFS Digital Services aims to build a digital platform that will enable customers in rural India to access essential digital financial services, including the Aadhaar Enabled Payment System (AEPS), Bharat Bill Payment System (BBPS) and domestic money transfers, closer to home while creating sustainable livelihood opportunities for rural entrepreneurs.

“I am honoured to take on this new responsibility and lead Dvara KGFS Digital Services. Dvara has always been committed to working towards the financial well-being of underserved communities, and I am excited to build on that foundation. We have the chance to provide more people with access to a wider range of financial services and to enhance the value we generate for our customers, partners and stakeholders through digital innovation” Ramkumar Ratnam said.

Published on June 26, 2026