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

Priyadarshini Ganesan Dvara

Priyadarshini Ganesan

Senior Research Associate

Our Work

January 20, 2013 | Dvara Research

his post is a continunation of our series of posts on Unemployment Support in India. The below post borrows heavily from Kamimura’s “Employment structure and Unemployment insurance in East Asia

By Anand Sahasranaman
November 22, 2012 | Dvara Research

This is the beginning of a series of blogs on the Municipal Finance scenario in India. In the first post we look at the 74th Constitutional Amendment Act, the rationale behind it and its intentions.

By Anand Sahasranaman
November 9, 2012 | Dvara Research

The recent approach paper of the Financial Services Legislative Reforms Commission (FSLRC) has brought a fresh focus on consumer protection.

By Anand Sahasranaman
October 31, 2012 | Dvara Research

This is the first post in the Unemployment Support in India series. In this series, we will explore the unemployment support mechanisms in India today;

By Anand Sahasranaman
January 28, 2012 | Dvara Research

In the current edition of Economic & Political Weekly, Anand Sahasranaman of IFMR Finance Foundation has published a paper on Panchayat Finances based on an analysis of three villages - Pallavapuram, Pandiyapuram and Cholapuram in rural Tamil Nadu

By Anand Sahasranaman
August 12, 2011 | Dvara Research

In February 2010, I had the opportunity to visit Pudhuaaru KGFS in Thanjavur. This is a remarkable project which helps us see the interface between households and the financial system in a wholly new light.

July 21, 2011 | Dvara Research

The Committee to Review Implementation of Informal Sector Pension (CRIISP) recently released their report focusing on National Pension Scheme (NPS), its design architecture, its performance till date and recommendations for increasing outreach and awareness about the product

By Shweta Aggarwal
June 27, 2011 | Dvara Research

Remittances are the second largest source of funding for developing countries, contributing more than capital flows and development assistance.

By Shilpa Sathe
May 25, 2011 | Dvara Research

In India, gram panchayats (GPs) were given constitutional legitimacy following the passage of the 73rd Constitutional Amendment Act, which was meant to decentralise power and responsibility to them to improve local public service delivery and governance.

By Anand Sahasranaman
April 1, 2011 | Dvara Research

A defining characteristic of the finances of low-income households is the irregularity and seasonality of cash-flows, and the generally small surplus.

By Rajat Bansal