Independent Research and Policy Advocacy



A primer is an introductory piece that serves as a guide or explains an idea, a concept, or a theory. Our primers may appear on our own website, often in long form, or in external media such as news websites or newspapers, often in short form, and are meant to explain our work to a layperson audience.

Our Work

March 13, 2023 | ThePrint

There is a need for updated dataset on households' consumption patterns, increased frequency of surveys on households’ balance sheet, and to collect data on financial well-being.

February 27, 2023 | ThePrint

Unlike term plans that provide life risk cover or unit-linked schemes, where returns are market-linked, endowment plans offer maturity benefits upon survival & minimum guaranteed return.

February 13, 2023 | ThePrint

Unlike terms & condition document, key facts statement is a simple, page-long snapshot of key information about a loan. However, depth of information it offers can be shallow.

By Srikara Prasad
January 30, 2023 | ThePrint

Low-income households seek loans often, but credit is suitable if it helps sustain or improve financial well-being. This is what must be ensured by lenders, regulators & policymakers.

By Natasha D’cruze, Rakshith S. Ponnathpur
December 12, 2022 | ThePrint

'JAM' trinity facilitates direct benefit transfers of welfare subsidies into bank accounts of poor, but teething issues have kept the programme from realising its true potential.

November 28, 2022 | ThePrint

The latest iteration of India’s data protection legislation calls for a reminder of why the country needs a Personal Data Protection Bill and what would make it a good one.

By Srikara Prasad, Beni Chugh
November 6, 2021 | Dvara Research

Disruptive innovations (mainly through digitalisation) are resulting in a change in the structure of markets and their functioning, emergence of new business models as well as new products and processes (Organisation for Economic Co-operation and Development, 2017).

By Sarah Stanley, Srikara Prasad, Anubhutie Singh, Beni Chugh
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’

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
April 4, 2019

Click here to access the primer on Consumer Data Infrastructure.  Large scale data infrastructures (such as the proposed Public Credit Registry, the GSTN System and the Indiastack) are emerging to support the delivery of financial services in India. This raises questions regarding the role of the State and of the regulation of these infrastructures. The existing […]