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.
Head - Financial Systems Design
Research Associate
Research Associate
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a health insurance/ assurance scheme which was launched by the Government of India (GoI) in September 2018. It is the second component under Ayushman Bharat; a scheme envisioned to achieve Universal Health Coverage (UHC) in India.
This paper report results from an experimental study that examines the impact of information disclosure on consumers’ purchase decision of a high-risk financial product
Reports of growing debt stress among microfinance borrowers in Assam follows a similar path as those in AP. In this post we analysis this issue and provide possible solutions
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. […]
In this report we propose Monitoring and Detection Framework for OID with twin outcomes in mind, that of financial stability and financial consumer protection
Banks in India will need to work hard to build a well-functioning ‘internal market’, which at the moment is quite broken.
SEBI needs to clearly define who a retail consumer is and ensure that this definition is inclusive enough that it accounts for the universe of consumers that are susceptible to the mis-selling of financial products and services
In this post, we look at whether the grievances of the MSME sector in relation to their use of financial services are adequately.
In this post, we outline some measures that the RBI and Government can take to alleviate the stress faced by the MFI sector
This post analyses the present regulations governing the restructuring of personal loans and their implications for the borrower’s credit score and her credit record
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
