Author: Dvara Research

In the wake of COVID-19 related lockdown and the resultant impact on the financial lives of millions of households, the Reserve Bank of India (RBI) approved a series of regulatory measures, which among others, enabled lending institutions to provide their borrowers with a 6 month-repayment moratorium on term loans. A debt moratorium at this scale […]

This policy brief examines the implications of debt moratorium in the context of microcredit

This post is part of a series of guest posts on social security for self-employed workers in the informal economy

Financial inclusion is a key aspect of sustainable economic growth. It helps households mobilise savings, smooth consumption and manage risks throughout their life cycles.

On August 30, Paytm Mall allegedly suffered a massive data breach after being targeted of a group of hackers. The allegations were made by Cyble, a US cyber-risk intelligence firm. These were immediately denied by Paytm Mall, which, in turn, threatened to take legal action against Cyble. Meanwhile, customers and vendors have no way of verifying whether a breach occurred, or if their data has been compromised,

In this post, we highlight how in the face of widespread loss of income, households relied on an informal economy, often at high costs

In this ongoing series, we will cover stories of citizens who have been excluded from social protection benefits delivered through the DBT and PDS.

In this report, we analyse the payments bank (PB) model in terms of the performance of individual PBs in furthering the goal of financial inclusion placed on the payments bank model.