Tag: Credit Bureau

The Government of India called for pre-budget consultations in early January 2025. Dvara Research was one of the invitees, and we are once again grateful to policy makers for reposing trust in our work. In the past as well, Dvara Research has been a partner and advisor of choice for key policy-making bodies in the country.

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.

In this post, we discussed the formulation of the Public Credit Registries.

In this policy brief, we evaluate the design and operation of the public credit guarantee schemes for MSMEs present in India, the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and the Credit Guarantee Fund for Micro Units (CGFMU), against the principles developed by the World Bank Group (WBG) and Financial Sect

In this post, we discuss the market & regulatory barriers that prevent most farmers, banks & NBFCs from participating in the commodity derivatives market

This post analyses the present regulations governing the restructuring of personal loans and their implications for the borrower’s credit score and her credit record

Formal credit providers have increasingly gained prominence as a channel for distribution of non-credit products, such as insurance, investment and retirement products, to low-income households in India.

Part two in our two-part blog series on Improving Outcomes for the Financial System through Credit Rating Agencies

Part one in our two-part blog series on Improving Outcomes for the Financial System through Credit Rating Agencies

Comparing regulatory approaches that CRAs are subjected to across India, the US and EU.