Author: Dvara Research

An analysis on the changes in the financial portfolio of rural households between 1993 and 2003, and between 2003 and 2013

In this post, we highlight the need for understanding the results of panel survey on welfare transfers from a process evaluation perspective to identify the fault lines.

Reforms to PSL can have tremendous impact both on regional/sectoral development as well as improving the quality of bank assets.

In this data brief based on survey data received from CUTS, we present reflections to understand some of key questions.

We are delighted to announce the winners of Household Finance Research – Call for Research Proposals

Formal credit providers have increasingly gained prominence as a channel for distribution of non-credit products, such as insurance, investment and retirement products, to low-income households in India.

Personal insolvency needs to be treated as a social insurance option. A mechanism which relies on the interaction between creditors and borrowers must be put in place

In this research brief we picturise the portfolio of Indian households by reviewing the participation rates across various financial and non-financial instruments using data from 2019.

We discuss the need for a clear vision, rationale, and a roadmap to be placed by the RBI for how it sees the draft framework enable the development of this market. We also consider how RBI has made the choice between capital neutrality and capital relief through this framework and how the outcomes from such a choice can have an impact on how securitisation serves the efficient movement of risks within the banking system and also to investors outside the banking system.

The Reserve Bank of India (RBI) recently allowed financial institutions to on-board new customers using video-KYC.