Independent Research and Policy Advocacy

Micro-realities of financial inclusion

It is now well-accepted that the power of financial services to the customer, particularly low-income households, is realised only through the availability of a broad range of services, and not just through small loans or opening bank accounts.

Ground zero observations in Andhra Pradesh

What does it mean to be a farmer in Kurnool (a district in Andhra Pradesh)? One part of the district grows commercial crops such as sunflower and tobacco while another supports nothing but paddy (the Telugu-Ganga Canal influences the soil in way that only paddy can be grown here).

How access to finance can reduce poverty

Finance Matters – A fortnightly column by IFMR Finance Foundation in The Hindu Business Line will explore ways in which the power of finance can be unlocked for improving the wellbeing of millions of households.

The world’s poor need safe places to save

Did you know that only half the adult population in the world has access to a bank account? More than 3 billion people don’t have access to savings accounts, and they are predominantly the world’s poorest people who live on less than US$2 per day.

NPS Lite: Securing Old Age Income

The announcement of National Pension System (NPS) Lite, a pension plan geared towards economically disadvantaged populations, brings hope for much needed money during non-productive years

The Local Touch: Financial Inclusion – ET Article

With a vast majority of the Indian population living in the rural hinterland, its economy and growth are linked to developmental efforts. Crucial to this is in ensuring that the fruits of financial inclusion reaches their doorstep.

Financial Inclusion in the Hills

Including the poor into the formal financial system has been hard despite numerous and sustained efforts. The difficulty in achieving inclusion attains a whole new meaning in hills and mountainous regions where populations are sparse and connectivity is extremely low.