Insights from the All-India Debt and Investment Survey 2019
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.
Insights from the All India Debt and Investment Survey (AIDIS) 2019
In this slide deck, we cover some of the key insights from the AIDIS 2019 that throw light on the current landscape of household finance in India.
Comments to the Reserve Bank of India on the Report of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps dated 18 November 2021
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).
Does financial and macro policy explain household investment in gold?
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.
Response to Niti Aayog’s Discussion Paper on “Digital Banks – A Proposal for Licensing and Regulatory Regime in India”
In our response, we question the assumptions put forth by the discussion paper for the creation of DBs and the concomitant licensing and regulatory regime.
What is Social Protection?
Blog post series: This series of posts will attempt to do two things – first, to examine the definitional boundaries of social protection and where they relate to other financial services for low-income households, and second, to use this to arrive at a working definition of social protection for policymakers and research organisations such as Dvara Research. As a first step, we break down a few questions in this first post.
A Brief Comparison of the Bad Bank Experience across Jurisdictions
Bad Banks are typically Government sponsored Asset Reconstruction Companies (ARCs) setup with the primary objective of cleaning up bank balance sheets. Unlike private ARCs, the Bad Banks are setup as a one-time measure with the primary objective of reducing the build-up of Non-Performing Assets (NPAs) post a financial or economic crisis.
Managed Competition – Revisiting Enthoven’s Principles
In this piece, we revisit Enthoven’s principles and propose a broader definition of the concept of managed competition in order that it may encompass other countries’ experiences that do not conform to a strict application of Enthoven’s concept.
Part-2: Features of Public Credit Registries: An International Comparison
In this post, we investigate the mandates of the PCR as set out by the respective regulations and legislative instruments, associated reporting standards, and the operational features, including revenue models, if any.
Contrasting the Financial Disclosures Reported by HDFC Bank Limited in India and in U.S.
In this blogpost, we present the key differences in financial disclosures reported by HDFC Bank Limited in India and in the United States (U.S.). As of March 31, 2021, HDFC Bank Limited (henceforth the bank) had 18.65% of its shareholding in the form of American Depository Shares (ADS) that are listed on the New York Stock Exchange (NYSE).