Independent Research and Policy Advocacy

Policy Initiatives

Financial Systems Design

A well-functioning and resilient financial system needs a good mix of institutions that collectively meet the financial intermediation needs of the country, be it individuals, households, businesses, sectors and local governments, while simultaneously enhancing the stability of the system as a whole.

Amulya Neelam Dvara

Amulya Neelam

Senior Research Associate

Deepti George Dvara

Deepti George

Deputy ED and Head of Strategy

Dwijaraj Bhattacharya

Head - Financial Systems Design

Navaneeth M S

Research Associate

Shree Harini Dvara Research

Shree Harini V

Research Associate

Sowmini G Prasad Dvara

Sowmini G Prasad

Senior Research Associate

Our Work

August 3, 2021 | Dvara Research

A Convening on ‘Emerging Customer Risks in Digital Lending’ was conducted on April 22nd and 23rd, 2021, by Dvara Research Foundation in collaboration with the Consultative Group to Assist the Poor (CGAP).

By Amulya Neelam, Sarah Stanley, Eric Duflos, Jayshree Venkatesan
July 26, 2021 | LiveMint

An RBI paper with bold proposals for this sector should stir a discussion on broader policy reforms

By Deepti George, V. Anantha Nageswaran
June 23, 2021 | Dvara Research

In this post, we analyse the RBI's proposed policy changes to payments and settlements sector and how they might impact the PBs and PPIs

By Amulya Neelam, Srikara Prasad
June 22, 2021 | CNBC TV18

From a student perspective, there are several challenges associated with paying for any form of higher education, which requires a greater level of commitment in terms of cost.

By Sowmini G Prasad, Dr. Nachiket Mor
June 16, 2021 | Dvara Research

This post captures comments by Dvara Research to the report of the SEBI Technical Group on Social Stock Exchange

April 15, 2021 | Dvara Research

In this paper, we assess the public disclosure regime of the Indian banking sector & provide our recommendations that RBI can consider implementing to enhance the transparency of disclosures

By Amulya Neelam, Sowmini G Prasad, Madhu Srinivas
April 14, 2021 | Dvara Research

In this post, we revisit the issue of over-indebtedness in microfinance and provide a set of suggestions to address them

April 9, 2021 | Dvara Research

In this post, we discuss the market & regulatory barriers that prevent most farmers, banks & NBFCs from participating in the commodity derivatives market

March 26, 2021 | Dvara Research

In this blog post, we share our responses submitted to the RBI to the questions posed in the discussion paper

March 24, 2021 | Dvara Research

Non-Banking Finance Companies (NBFCs) play a critical role in the credit ecosystem by acting as last-mile financiers for the unbanked and underserved segments of the Indian economy,