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

August 6, 2020 | Dvara Research

We are delighted to announce the winners of Household Finance Research – Call for Research Proposals

By Household Finance
July 28, 2020 | Dvara Research

In this research brief we picturise the portfolio of Indian households by reviewing the participation rates across various financial and non-financial instruments using data from 2019.

By Misha Sharma, Shailesh Kumar
July 2, 2020 | Ideas For India

Given the extent of liquidity shock caused by Covid-19, the Reserve Bank of India enabled all lending institutions to provide their borrowers with a repayment moratorium on term loans until 31 August 2020.

By Misha Sharma, Giorgia Barboni
June 10, 2020 | IDR Online

Innovative and blended finance structures, such as Social Venture Funds, offer a unique opportunity for nonprofits to secure new funding.

By Dr. Indradeep Ghosh, Nishanth Kumar
May 29, 2020 | Dvara Research

Investment in gold by Indian households is motivated by social, economic, and cultural factors.

By Rakshith S. Ponnathpur, Monami Dasgupta
May 15, 2020 | Dvara Research

Household Finance is the study of how institutions provide goods and services to satisfy the financial functions of the household, how consumers make financial decisions and how government action affects the provision of financial services (Tufano, 2009).

By Misha Sharma, Monami Dasgupta, Vishwanath C
May 4, 2020 | Dvara Research

Inviting research institutions/think-tanks, institutional and independent academicians, and scholars to submit research proposals

May 1, 2020 | NDTV Profit

The goal cannot be eliminating all MSME failure as we simply don’t have the resources to provide that magnitude of a backstop.

March 17, 2020 | Dvara Research

This blog examines the growth in household holdings of financial assets and liabilities for the period 2000-01 to 2016-17

By Rakshith S. Ponnathpur, Misha Sharma
January 14, 2020 | Dvara Research

Insights and field experiences from Dvara Money.

By Asmita Chatterjee, Dvara Money