Independent Research and Policy Advocacy

Barriers to Basic Banking: Results from an Audit Study

In new study from NSE and IFMR, researchers use a “mystery shopping” approach where trained auditors, posing as low-income customers, attempt to open BSBDA (Basic Savings Bank Deposit Account) and low-cost accounts at banks in Chennai.

Sustainable Financing for Indian Cities

Municipal finances in India are characterised by the constant tension between the funds and functions of local governments. Cities in India have insufficient revenue tools to meet their expenditure requirements.

The Master Trainer Approach to Financial Education

In recent years there has been rising interest among financial service providers, NGOs and policymakers in educating customers and potential customers to enable them to make informed decisions on taking up and using financial products.

Revisiting the core ideas of CCFS

The Report of the Committee on Comprehensive Financial Services for Small Businesses and Low Income Households (CCFS) was submitted to the Reserve Bank of India (RBI) in January this year.

The Great Inequality Debate

Simon Kuznets’ seminal 1955 study on income inequality is famous for the inverted ‘U’ hypothesis1 which posits that as an economy develops, inequality first increases and then decreases if a certain level of income is achieved.