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Household Finance in India: Approaches and Challenges

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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). This paper attempts to comprehensively review existing literature, flag key research questions and priorities for innovation that financial service providers, regulators and policymakers and researchers should focus on in order to move the needle on universal access to finance. This paper is divided into two parts. The first part summarises the key research themes and methodologies used in the field of household finance, while the second part synthesizes evidence on the current state of household finance in India and priorities for innovation in financial services of low- income households.

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