Independent Research and Policy Advocacy

Priyadarshini Ganesan Dvara

Priyadarshini Ganesan

Senior Research Associate
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Priyadarshini is a Senior Research Associate with focus on household finance. She has previously worked as Executive Officer with ECGC Ltd in the field of export credit insurance and as a Research Associate with IFMR LEAD in the theme of financial inclusion of rural households. Priya holds a Master’s in Economics from Madras School of Economics, Chennai. She is interested in understanding the systems and processes that engender social, economic and financial well-being of low-income households.

Focus policy initiatives

Center For Customer Protection
Household Finance



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July 4, 2024 | The Hindu Business Line

This will inspire more consumer trust, and enhance transparency among agents

March 21, 2024 | Dvara Research

Insurance is a hard sell anywhere in the world, but more so in developing countries like India, with a population that is predominantly low-income and largely informal. Life insurance, in its current form, came to India through the Europeans (1818) and was slowly Indianized. However, it was the nationalisation of life insurance and the state backing provided to the Life Insurance Corporation of India

January 29, 2024 | Dvara Research

In this deck, we discuss some factors influencing life insurance take-up, the problem with endowment life insurance for the low-income segment, and how better disclosures could be the first step in helping households choose the right insurance product for them.

January 19, 2024 | Dvara Research

In the following sections of this blog, we discuss the unique and complex financial lives of these households to set the context for product and process designs, delve into what a savings product for not just women but Low-Income Households (LIHs) in general could look like, and highlight some of the insights from various kinds of financial service providers on the challenges and opportunities in operationalising such a savings product for this segment. 

June 28, 2023 | Moneycontrol

Insurance companies should align their sales practices to generate the best outcomes for low income households by ensuring easy access to a variety of products with disclosures that provide accurate information.

May 8, 2023 | Dvara Research

This blog post summarises key takeaways from a virtual workshop we recently hosted. It was conducted against the backdrop of a study that we recently concluded titled “Can information disclosures influence life insurance purchase decisions for low-income households?”.

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.

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.

June 24, 2022 | Dvara Research

The Microfinance sector is gearing up for change as the recent RBI (Regulatory Framework for Microfinance Loans) Directions, 2022 has put in place comprehensive regulations to ensure customer protection