Independent Research and Policy Advocacy

Household Finance in India: Approaches and Challenges

Household Finance is the study of how institutions provide goods and services to satisfy the financial functions of the household, how consumers make financial decisions and how government action affects the provision of financial services (Tufano, 2009).

The Risk Aggregator Model in Banking for India

India has relied on banks to drive its financial inclusion efforts. However, the high levels of NPAs in banks’ balance sheets has forced them to cut back on lending, adversely affecting the financial inclusion agenda.