Publication: Dvara Research

The Centre for Customer Protection is announcing a call for proposals for the Voice of the Aggrieved Customer (VoAC) project, under the auspices of CPP. The Centre invites Consumer Groups, Self-Regulatory Organisations (SRO), industry associations, Financial Service Providers (FSPs) including digital FSPs, DFS agents and business correspondents, financial planners/advisors, investigative journalists, institutional and independent academicians, research institutions/think-tanks and scholars to submit proposals to document authentic experiences of customers, in the context of digital financial services and customer protection.

In this paper, we review the literature on what constitutes financial well-being of a
household and how it can be visualised as the outcome of financial inclusion. If financial
well-being can be measured accurately, it can guide both policy makers and financial service
providers on what and where are the gaps in how finance can improve the lives of their
customers.

India’s healthcare sector has made significant strides in the last couple of decades. Yet, progress in terms of access, affordability, and quality of healthcare remains variable across states.  There are many factors that affect the status of health in a national/sub-national geography, with the political economy of healthcare being a key driver of health outcomes. […]

We presented detailed feedback on the Reserve Bank of India’s Discussion Paper on Review of Prudential Norms for Classification, Valuation and Operations of Investment Portfolio of Commercial Banks in the form of answers to the ten questions posed within the Discussion Paper.

In this post, we set out our vision for what social protection in India should aim to do, and then pose some questions on how we might achieve this.

In our response, we commend and highlight the more risk sensitive methodology and the corresponding disclosures outlined in the draft guidelines. However, we also point out that not including conduct risk under operational risk is a major lacuna.

Health systems are extremely complex, with multiple interacting components which can lead to varied outcomes depending on the context in which
they are placed. Building a systematic understanding is then essential for designing health systems and reforming existing ones.

The All-India Debt and Investment Survey (AIDIS) conducted by the National Statistical Office is a nationally representative survey of Indian households that collects information about the assets and liabilities of households.

In this blog post, we present our comments to the Report of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps, November 2021 (the Report) in response to the call for comments from all stakeholders by the Reserve Bank of India (RBI).

Gold dominates household portfolios in India. This has been labelled as irrational behaviour by financially illiterate households. In this paper, we show that household preference towards gold is not irrational in the context of the Indian financial and macroeconomic environment which includes high inflation, financial repression, and capital controls.