SEBI’s proposed changes can spruce up investment advisory regulations

The new proposals can significantly increase the number of RIAs by relaxing the requirement of having a Master’s degree and prior work experience and by lowering net-worth requirements.
Moving towards harmonisation in financial regulation: Let’s start with capital
Higher capital adequacy norms locking up funds
Political Economy of Health: Tamil Nadu
India’s healthcare sector has made significant strides in the last couple of decades. Yet, progress in terms of access, affordability, and quality of healthcare remains variable across states. There are many factors that affect the status of health in a national/sub-national geography, with the political economy of healthcare being a key driver of health outcomes. […]
Comments to the Reserve Bank of India on the Report of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps
In this blog post, we present our comments to the Report of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps, November 2021 (the Report) in response to the call for comments from all stakeholders by the Reserve Bank of India (RBI). Our response is accessible here. We appreciate the Report’s multi-dimensional approach […]
Response to Niti Aayog’s Discussion Paper on “Digital Banks – A Proposal for Licensing and Regulatory Regime in India”
Identifying the Market Failure and Mis-identifying the Intervention The discussion paper highlights a ‘market failure’ in the debt market for MSMEs wherein incumbent banks are unwilling to lend to MSMEs, who are otherwise creditworthy, due to lack of documentation and thereby leading to suboptimal outcomes for both banks and MSMEs[3]. Adding to these frictions is […]
Access, Redressal & Finance in Uttar Pradesh: Women-run Self-Help Groups (SHGs) in Rural Uttar Pradesh
In this video, we follow the self-help groups (SHGs) to understand how they assist women and their families in achieving financial security
Detecting Over-Indebtedness while Monitoring Credit Markets in India
The household sector, comprising of individuals, households, proprietorships, and other non-corporate entities, has over INR 46 trillion as outstanding in the Indian formal credit market. The ability to access credit enables an individual and her household to gain better financial wellbeing and economic welfare outcomes, and an excess of credit can diminish any developmental gains. […]
InSPIRE
Dvara Research and Khabar Lahariya Video Series: Access, Redressal & Finance in Uttar Pradesh
COVID-19 and Debt Moratorium – The Case of Microcredit
This policy brief examines the implications of debt moratorium in the context of microcredit