Misha leads the Household Finance Practice at Dvara Research. In this role she focuses on identifying key research gaps in the field of household finance and building evidence to inform market practices and design of financial sector policy. Misha specialises in policy research and advocacy in the domain of financial inclusion. She has several years of experience working with the financial inclusion vertical at IFMR LEAD where she managed two large scale trials on the impact of access to formal financial services on low-income households in rural Tamil Nadu. While with IFMR LEAD, she was awarded the CFI Accion Fellowship to research the role of agent network in transitioning low-income households to digital financial platforms. Prior to Dvara Research, she worked as a Senior Research Manager with the Centre for Social Impact and Philanthropy at Ashoka University, researching on the state of the Indian philanthropy sector. Misha has written several research papers and columns, commenting on the state of inclusive finance in India. Misha holds a Master’s in Economics from the University of Edinburgh and a Bachelor’s Degree in Economics from Stella Maris College, Chennai.
Almost 65% of India’s population lives in its rural areas.1 India’s financial sector has seen unprecedented expansion, driven by policy initiatives, digital infrastructure and regulatory reforms. Initiatives like Pradhan Mantri Jan-Dhan Yojana (PMJDY), Aadhaar-linked banking, Unified Payments Interface (UPI) and digital lending have significantly improved access to financial services, particularly for underserved segments.
