Independent Research and Policy Advocacy



We produce blogs to discuss new research findings, ongoing projects, and even personal reflections on the research process. Our blogs are written for a variety of audiences, including other researchers, policymakers, practitioners, financial service providers, grassroots organizations, impact investors and the public. The format is simple and easy to grasp. The language is straightforward, and the tone is non-academic. Our blogs can be of varying lengths. We choose to write a blog when we don’t want to do a full- fledged study or follow a rigorous research process. Blogs may contain opinions and they can also be based on experiences. Some of our blogs may just share some observations, learnings, or challenges.

Our Work

December 22, 2020 | Dvara Research

In this blog post, we explore a case of exclusion from the PDS, wherein a daily wage labourer, Mr. Kabeer, was unable to obtain a ration card

December 21, 2020 | Dvara Research

In this post, we look at whether the grievances of the MSME sector in relation to their use of financial services are adequately.

By Anukriti Tiwari
December 1, 2020 | Dvara Research

The Social Protection Initiative at Dvara Research has collaborated with the Centre for Monitoring Indian Economy (CMIE) to document the accessibility of key banking facilities during the COVID-19 lockdown.

By Dvara Research
December 1, 2020 | Dvara Research

This blog post examines the merit of NPCI issued Guidelines that disallow TPAPs from serving more than 30% volume of all UPI transactions

November 17, 2020 | Dvara Research

In this blog post, we analyse migrant risks and work choices

By Vikram Bahure
November 11, 2020 | Dvara Research

In this case study, we explore the case of a farmer who spent a year attempting to enrol under PMK

By Aarushi Gupta
November 4, 2020 | Dvara Research

This blogpost discusses the case of an unorganised sector worker who, along with many other workers, did not receive the cash entitlement into her bank account

By Nishanth Kumar
October 30, 2020 | Dvara Research

This blog post deconstructs three crucial examples of states seeking to implement digital welfare systems and contracting out design and implementation to private entities

October 29, 2020 | Dvara Research

In this post, we outline some measures that the RBI and Government can take to alleviate the stress faced by the MFI sector

By Madhu Srinivas, Akhil Mehra
October 28, 2020 | Dvara Research

This post analyses the present regulations governing the restructuring of personal loans and their implications for the borrower’s credit score and her credit record