Dvara Research is a policy research institution based in India. Our mission is to ensure that every individual and every enterprise has complete access to financial services. We strongly believe in the deeply transformative power of finance in unlocking the potential of individuals, households, enterprises and local governments. 

Our Policy Initiatives

Financial Systems Design

The initiative aims to develop and disseminate financial systems designs focused on achieving both inclusion and stability.
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Household Finance​

The initiative aims to rigorously understand the financial choices and decisions of low-income or excluded individuals and households, and their relation to achieving households’ objectives.
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Future of Finance​

The initiative aims to identify and address new challenges for policy and regulation in India around customer protection, given the waves of digital innovation currently sweeping financial services.
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Social Protection​

The initiative aims to conduct research that will inform the design and implementation of a universal social security system.
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Latest Themes

COVID- 19 pandemic has made a damaging impact on the lives of low-income households. In this context, we have been sharing our insights on issues related to low-income households and some recommendations to tackle the issues.
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Dvara Research has been part of the drafting team of the Working Group (WG) report on the SSE. To elaborate on some of the recommendations made by WG, we have been sharing our insights on the report through various channels.
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Our commitment to financial inclusion led us into debates on privacy & dignity for consumers and we have been actively contributing to the public discourse on India’s personal data protection regime since 2017.
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We have been active in responding to issues related to Micro, Small, and Medium Enterprises (MSMEs) and providing our insights on how to tackle the issues by unlocking the power of finance.
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Latest Work


Can Lenders Also Sell Insurance and Investment Products?

August 5, 2020 | Findev Gateway

Sowmini G Prasad & Deepti George


Needed, a modern personal insolvency regime

August 4, 2020 | BusinessLine

Dwijaraj Bhattacharya & Deepti George


Picturising the Portfolios of Indian Households

July 28, 2020 | Dvara Research

Shailesh Kumar & Misha Sharma

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