Independent Research and Policy Advocacy

Policy initiatives

Center For Customer Protection

This program focuses on solutions that speak to the changing landscape of issues pertaining to financial customer protection in India. It studies how institutional practices in customer protection can build trust and confidence to increase uptake and usage of formal financial products and services among low-income, rural, and women consumers.

Aishwarya Narayan

RESEARCH ASSOCIATE

Aishwarya Narayan

RESEARCH ASSOCIATE

Aishwarya Narayan

RESEARCH ASSOCIATE

Aishwarya Narayan

RESEARCH ASSOCIATE

Aishwarya Narayan

RESEARCH ASSOCIATE

Aishwarya Narayan

RESEARCH ASSOCIATE

Aishwarya Narayan

RESEARCH ASSOCIATE

Aishwarya Narayan

RESEARCH ASSOCIATE

Early Writings

Our Work

March 1, 2024 | Dvara Research

 Our response covers two themes: Leading from a customer protection perspective, our comments emphasise the need for the prospective SRO to have duties towards the customers, at par with responsibilities towards the regulator.

February 27, 2024 | Hindustan Times

India needs a robust and comprehensive financial customer protection regime, which it currently lacks. Imagine the following scenario. Raja and Rani are a low-income householder couple with two children in elementary school. They also take care of Raja’s ailing mother. The household’s monthly income is ₹20,000.

January 29, 2024 | Dvara Research

In this deck, we discuss some factors influencing life insurance take-up, the problem with endowment life insurance for the low-income segment, and how better disclosures could be the first step in helping households choose the right insurance product for them.

January 19, 2024 | Dvara Research

In the following sections of this blog, we discuss the unique and complex financial lives of these households to set the context for product and process designs, delve into what a savings product for not just women but Low-Income Households (LIHs) in general could look like, and highlight some of the insights from various kinds of financial service providers on the challenges and opportunities in operationalising such a savings product for this segment. 

December 1, 2023 | ACCESS

Advancing women’s financial inclusion is a key policy objective for both advanced and emerging economies. Providing access to formal finance is seen as an important lever in helping poor women seize economic opportunities and build a resilient future for themselves and their families.

November 4, 2023 | Financial Express

These fraudulent messages have proliferated during the pandemic, where fraudsters induce panic or excitement that impairs the customers’ ability to think clearly.

By Lakshay Narang
September 27, 2023 | Dvara Research

This research presents a framework comprising nine principles, which we believe are pre-requisites for creating user-centric GRMs.

By Anubhutie Singh, Srikara Prasad, Beni Chugh
September 20, 2023 | LiveMint

The microfinance industry has witnessed moves by the Reserve Bank of India (RBI) to revise the regulatory framework (March 2022) for it and also caution it against an exclusive focus on business growth (November 2022).

By Dr. Indradeep Ghosh, Anand Raman
May 30, 2023 | Dvara Research

This research brief aims to synthesize existing evidence on the performance of PMJJBY and PMSBY since their inception, the reasons for low participation in these schemes, and the barriers to their successful implementation.

May 29, 2023 | Dvara Research

When viewed from a consumer’s perspective, these challenges manifest at different stages of their journey with a health insurance program, beginning from the decision to enrol in a program and ending at the renewal stage. While tweaks to the design of the health insurance program or moving to a more integrated model of healthcare provision may help in this blog post, we explore the role that social capital can play in circumventing some of these challenges.

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India
  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India
  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India

  • Detecting Over-Indebtedness while Monitoring Credit Markets in India