The Microfinance sector is gearing up for change as the recent RBI (Regulatory Framework for Microfinance Loans) Directions, 2022 has put in place comprehensive regulations to ensure customer protection

In this note, we discuss how the current approach of the PCA framework is inconsistent with the objectives it seeks to achieve.

By requiring only limited public reporting on asset quality, banks in India have enjoyed a level of opacity that banks in other jurisdictions do not

This data book compiles trends on household participation in formal financial services over the last few years.

This report, a compilation of all our key learnings from field engagements spanning 7 states, attempts to bring the last mile to the fore of policy discussions on social protection entitlements and their delivery.

Large-scale scams in PM-Kisan suggest there's vast leakage in DBT advantages. While inclusion errors are being tracked, exclusion should take priority.

In this paper, we document the experience of Germany’s SHI system with managed competition and the challenges faced by this sub-system in faithfully implementing the principles of managed competition as originally envisioned by Enthoven.

India’s Personal Data Protection Bill, 2019 (the Bill) was introduced in Parliament in December 2019, and is currently under consideration by a Joint Parliamentary Committee of MPs.

This post summarises how BNPL lending functions and highlights customer protection concerns that can put at risk the promise of better credit access.

While the system was rightly designed to eliminate ghost beneficiaries, the impact of exclusion errors needs to be professionally and independently evaluated in detail.