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

June 17, 2021 | Dvara Research

In this slide deck, we explore the impact of COVID-19 on remittances at a broad, national level by using India’s largest household-level panel dataset

By Rakshith S. Ponnathpur
June 3, 2021 | Dvara Research

As part of the 5th Dvara Research Conference on Household Finance primer series, in this post we discuss the theme "Savings and Financial Behavior"

May 27, 2021 | Dvara Research

As part of the 5th Dvara Research Conference on Household Finance primer series, in this post we discuss the theme ‘Household Portfolios’

By Natasha D’cruze
May 19, 2021 | Dvara Research

As part of the 5th Dvara Research Conference on Household Finance primer series, in this post we discuss the theme 'Portfolios of Migrant Households'

By Rakshith S. Ponnathpur
May 6, 2021 | Dvara Research

In this brief, we look at how the financial portfolios of Indian households have changed over time, specifically between 2014 to 2020, using the Consumer Pyramid Household Survey collected and maintained by the Centre for Monitoring Indian Economy.

By Niyati Agrawal, Misha Sharma, Harini Ravi
April 21, 2021 | Dvara Research

This post reviews various sources of literature on how COVID-19 has affected migrant households & conclude by summarises some of the recommendations provided by sector experts

By Rakshith S. Ponnathpur
March 31, 2021 | Dvara Research

This working paper was accepted to the 4th Annual Conference of India Gold Policy Centre at IIM Ahmedabad

By Rakshith S. Ponnathpur, Monami Dasgupta
March 26, 2021 | Dvara Research

we conducted a study to evaluate the impact of information disclosures in discouraging consumers from making unsuitable choices, i.e., choices that do not align with their financial circumstances, risk capacity and appetite.

By Niyati Agrawal, Misha Sharma, Madhu Srinivas, Monami Dasgupta, Monika Halan
February 19, 2021 | Dvara Research

This chapter documents the growing informalization of India’s labour force and the consequences of this phenomenon for the state of social protection in India.

February 12, 2021 | Dvara Research

In this blog post, we summarise the results from survey conducted to understand the challenges faced by rural households' in accessing and using formal financial services

By Monami Dasgupta, Misha Sharma