Type: Author

Dwijaraj heads the Financial Systems Design Initiative. His work focuses on households’ access to credit and impediments therein. His research interests include the legislative and regulatory frameworks governing providers, regulators, and other entities in the financial sector. His work also focuses on personal insolvency and bankruptcy. Dwijaraj holds a Master’s in Public Policy from the […]

With one and a half decades of experience, Deepti leads Dvara Research’s thinking on regulatory and policy themes in financial and banking systems. Deepti’s area of research and advocacy include consumer protection and institutional conduct, financial inclusion, and retail and wholesale financial services within Indian as well as international jurisdictions. She was part of the […]

Beni Chugh heads the Future of Finance Initiative. Her work focuses on identifying systemic stability and consumer protection concerns in digital finance. She also contributes to the Social Protection Open Digital Ecosystem workstream at Dvara Research, where her work focuses on designing and implementing citizen centric, digital social protection delivery platforms. Beni holds a Master’s […]

Anubhutie is a Research Associate with the Future of Finance Initiative. She completed her Bachelors of Science in Economics, Mathematics and Statistics and has Master’s in Public Policy from St. Xavier’s College, Mumbai. With the Future of Finance Initiative, her research focuses on data infrastructure for financial inclusion in India.

Anjali is a Research Associate in the Social Protection Initiative vertical at Dvara Research. She holds a Master’s degree in Public Policy from National Law School of India University, Bangalore and a Bachelor’s degree in Microbiology from St. Xavier’s College, Kolkata. At Dvara Research, her work revolves around the design of social protection systems, health […]

Amulya is a Senior Research Associate in the Financial Systems Design initiative. Her research focuses on understanding and improving access to suitable financial services for all, especially low-income households. Her work aims to enable the creation of a regulatory framework that fosters both meaningful inclusion and financial stability. Amulya holds a Master’s in Rural Management […]

Aishwarya is a Senior Research Associate at Dvara Research. She is passionate about building welfare systems that are equitably accessible for all and redistributive in nature. Aishwarya’s areas of research and advocacy include digitisation in social protection, last-mile delivery systems, and grievance redress mechanisms in digital finance and social protection. An overarching theme across her […]

Abhishek is a Research Associate with the Social Protection Initiative. He takes keen interest in mobility, spatial analysis, and rural development. Prior to Dvara Research, he was working as a Research Associate at Indian Institute of Management Ahmedabad, where he worked on developing sustainable framework for gold mining as an opportunity for rural development in […]