Independent Research and Policy Advocacy


Research Reports

Research Report is an output that presents the findings of a research project. It is a written account of the research process that includes the research questions, methodology, results, and conclusions. Research reports may vary in length and complexity, depending on the purpose of the research and the intended audience. At Dvara Research, we write reports in a formal and objective style, and they are often used to communicate research findings to audiences who are non-academic, such as governments, policymakers, and other stakeholders.

Our Work

March 21, 2024 | Dvara Research

Business correspondent (BC) agents are crucial last-mile infrastructure that support India’s vision for efficient, population-scale delivery of financial and other government services using Digital Public Infrastructure (DPI). These agents primarily facilitate cash deposits, cash withdrawals (together known as cash-in cash-out or CICO), and optionally facilitate access to insurance, savings products, and various welfare schemes for rural and low-income India.

August 28, 2023 | Dvara Research

The study explores the financial lives of platform workers and finding answers to the following questions: do platform workers face volatility in their income and expenses, and how much do their earnings and expenditures vary on a day-to-day basis; how long do they work to earn as much as they would like to; whether and where they save and borrow; what strategies do they adopt to manage their money to meet their day-to-day expenses, raise lump-sums, deal with and recover from shocks; what social protection benefits do they have access to; what their financial goals are; and what barriers exist, if at all, in their pursuit of those goals.

By Rakshith S. Ponnathpur, Risha Ramachandran
July 28, 2023 | Dvara Research

MFIN India and Dvara Research partner to gather insights on users’ experience of navigating the MFIN-Customer Grievance Redress Mechanism (MFIN-CGRM). The study deploys mixed methods — a primary survey of over 300 users, stakeholder interviews and desk research to understand the user-centricity of the MFIN-CGRM.

March 31, 2023 | Dvara Research

In this interim report, we document our observations about the user interface of In-App GRMs in UPI applications (UPI Apps). Our observations are based on our review of the customer redress journey on these GRMs – mainly in terms of the GRM’s accessibility and usability – from the lens of a low-income, digital immigrant customer.

By Aishwarya Narayan, Srikara Prasad
March 6, 2023 | Dvara Research

Technological advancement is enabling governments to break away from this fragmented model and adopt an approach that allows individual departments to share infrastructural capacities. In policy parlance, this new approach is referred to as an ‘ecosystem-based’ delivery model, wherein several government departments are integrated at the back end, operate on the same platform, with their workflows interoperable with each other.

By Aishwarya Narayan, Lakshay Narang, Aarushi Gupta, Beni Chugh, Dr. Indradeep Ghosh
February 13, 2023 | Dvara Research

Access to credit enables an individual and her household to achieve financial well-being and results in economic welfare outcomes for the entire society. However, excessive debt diminishes all developmental gains, and negatively impacts overall economic growth and stability.

By CGAP, Dvara Research
February 13, 2023 | Dvara Research

Despite significant policy support for financial inclusion, there is little evidence about what has been achieved by way of knowing which households and individuals are financially included, or what is the impact of such inclusion on these persons.

By Natasha D’cruze, Dr. Indradeep Ghosh, Geetika Palta, Misha Sharma, Susan Thomas
November 3, 2022

There are several reasons for low take-up of life insurance policies in general and specifically low take-up of term life insurance. These factors range from supply side barriers such as misaligned incentive structures for agents selling life insurance policies, lack of availability and accessibility to a larger suite of life insurance products customized to the needs of low-income households to demand-side barriers such as household’s contextual factors that limit their awareness and priority for a life insurance product and their behavioural preferences pertaining to life insurance products.

August 5, 2022 | Dvara Research

In this study, we conduct a quantitative analysis of household finance data to understand the status of health insurance ownership in India, identify the determinants of health insurance ownership, and understand the relationship between households’ access to health insurance and their health expenditure.

July 25, 2022 | Dvara Research

In this paper, we characterise the National Health Insurance system of Israel, its universal public healthcare system, as one which has adopted managed competition and achieved remarkable outcomes. We place the establishment of the system in the country’s political-economic context to determine the role of the structural factors in shaping health policy in the country.