Dvara Kshetriya Gramin Financial Services (Dvara KGFS), a NBFC dedicated to fostering financial inclusion in deep rural villages across India, has announced the appointment of Ramaswamy Subramanian as Deputy Chief Executive Officer.
Ramaswamy brings over n 30 years of cross-functional and cross-product experience in the BFSI and Consumer Loyalty sectors. Over the years, he has handled diverse responsibilities such as Product, Digital, Sales & Distribution, Marketing, Operations, Process Reengineering, Technology, and Business Solutions.
Prior to joining Dvara KGFS, he headed product portfolios at Karnataka Bank and Suryoday Small Finance Bank.
His previous work experience also includes stints in HDFC Bank, Global Trust Bank, Reliance Mutual Fund, Reliance Capital, IndiaFirst Life Insurance, and AIMIA, the global leader in consumer loyalty. He has successfully launched and managed several innovative product lines and business verticals across his career. Ramaswamy has also been an entrepreneur in the digital lending space. He holds a Master’s degree in Management Studies from Mumbai University, specialising in Finance.
LVLN Murthy, CEO, Dvara KGFS, said, “We are glad to have Mr Ramaswamy Subramanian back at Dvara KGFS. He joins us at a pivotal stage in our journey. His strong expertise in financial services, digital lending, and large-scale operations will further strengthen our leadership team. His strategic insight and sharp knowledge of customer-centric financial delivery will expediate our mission of enabling long-lasting financial well-being for our customers.”
Ramaswamy Subramanian said, “I am delighted to rejoin Dvara KGFS at an exciting time in its journey as the organisation enters a new phase of growth. I look forward to working closely with the leadership team to enhance financial resilience, drive sustainable growth and deliver long-term value to our customers and stakeholders.”

