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

Preethi Sundararajan

Senior Research Associate

Priyadarshini Ganesan Dvara

Priyadarshini Ganesan

Research Manager - Climate & Agri Finance

Shreenandan H S

Research Associate

Our Work

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
January 23, 2021 | Dvara Research

In this research brief, we use the income and expenditure data from CMIE to study the formal savings potential of the households over a period of six years

By Niyati Agrawal, Rakshith S. Ponnathpur
January 7, 2021 | NDTV Profit

The best banks are boring banks, whose strength is in the maturity of their processes for managing capital, writes Nachiket Mor.

By Dr. Nachiket Mor, Deepti George
December 24, 2020 | Dvara Research

In this post, we summarise the themes of HHF as articulated in a our working paper as well as comment on the gaps in a recent paper on HHF

By Monami Dasgupta
December 18, 2020 | Dvara Research

This brief presents the evidence on the impact of COVID-19 on the daily life of low-income households from a fortnightly panel survey conducted by Dvara Research

By Niyati Agrawal, Hasna Ashraf
November 26, 2020 | Dvara Research

In this note, we review the current status of ESIS and consider pathways through which ESIS can more effectively deliver the promised services and benefits to its beneficiaries.

By Sowmini G Prasad, Dr. Indradeep Ghosh