Independent Research and Policy Advocacy

Policy Initiatives

Household Finance

Dvara Research’s Household Finance Research initiative aims to rigorously understand the financial choices and decisions of low-income or excluded individuals and households, and their relation to achieving households’ objectives. It has been our consistent endeavour to study financial inclusion as a gateway to a suite of appropriate financial services eventually enabling well-rounded household balance sheets and consumer financial well-being.

Misha Sharma Dvara

Misha Sharma

Head - Household Finance

Natasha D’cruze Dvara

Natasha D’cruze

Research Associate

Niyati Agrawal Dvara

Niyati Agrawal

Research Associate

Priyadarshini Ganesan Dvara

Priyadarshini Ganesan

Senior Research Associate

Risha Ramachandran Dvara

Risha Ramachandran

Research Consultant

Our Work

December 10, 2015 | Dvara Research

The All-India Debt and Investment Survey (AIDIS) is a survey conducted by the National Sample Survey Office (NSSO) at decennial intervals through household interviews from a random, nationally representative sample of households

By Nishanth Kumar
October 28, 2015 | Dvara Research

In the aftermath of the Global Financial Crisis, RBI took a major leap forward and set up a new Financial Stability Unit in 2009 specifically focusing on the measures to be taken for assessment and evaluation of financial system stability in the country

By Nishanth Kumar, Neha Dhoble
August 7, 2015 | Dvara Research

In the previous post of the blog series on financial depth, we attempted to understand the nature of the relationship between financial depth and economic growth.

By Nishanth Kumar, Irene Baby
July 31, 2015 | Dvara Research

This is the first post in our blog series on the concept of financial depth and the various methods to measure it. The introductory post summarizes the literature pertaining to the significance of financial depth.

By Nishanth Kumar, Irene Baby
March 9, 2015 | Dvara Research

The Finance Minister, in his budget speech for 2015-16, has announced a new defined benefit pension scheme - Atal Pension Yojanai (APY, henceforth) - for unorganised sector workers who are not covered under any statutory social security scheme.

By Vishnu Prasad, Anand Sahasranaman
January 21, 2015 | Dvara Research

Generalized Herfindahl-Hirschman Index to Estimate Diversity Score of a Portfolio across Multiple Correlated Sectors

By Vaibhav Anand, Ramasubramanian S V
January 18, 2015 | Dvara Research

The NSE-IFF Financial Deepening and Household Finance Research Initiative is very pleased to announce its final set of proposals selected for funding in this round.

By Dr. Santadarshan Sadhu
October 24, 2014 | Dvara Research

The National Stock Exchange, India and IFMR Finance Foundation are delighted to announce a joint call for research proposals, under the “NSE-IFF Financial Deepening and Household Finance Research Initiative” for the years 2014-15.

By Dvara Research
September 15, 2014 | Dvara Research

Municipal finances in India are characterised by the constant tension between the funds and functions of local governments. Cities in India have insufficient revenue tools to meet their expenditure requirements.

By Anand Sahasranaman, Vishnu Prasad
September 13, 2014 | Dvara Research

As part of the NSE-IFMR ‘Financial Inclusion’ Research Initiative, Vishnu Prasad, Anand Sahasranaman, Santadarshan Sadhu, and Rachit Khaitan of IFMR Finance Foundation have authored a working paper for the series.

By Vishnu Prasad, Anand Sahasranaman, Dr. Santadarshan Sadhu, Rachit Khaitan, Dvara Research