Dvara Research is delighted to bring the 5th Dvara Research Conference scheduled from 7th to 11th June 2021. This year's conference is on the theme of Household Finance, and we are conducting this in collaboration with Robert Bosch Centre for Data Science and Artificial Intelligence at IIT Madras as the knowledge partner and Omidyar Network India, Transunion, Dvara KGFS as the funding partners.

The Household Finance Research Initiative (HFRI) at Dvara Research aims to understand how low-income households use financial and non-financial instruments to attain their objectives. Through this initiative, we aim to generate and catalyse insightful and rigorous research on low-income households that is customer-centric as well as relevant and responsive to the Indian policy context and financial landscape. To further this initiative and encourage collective learning from academic and non-academic research institutions, Dvara Research is conducting the 5th Dvara Research Conference, 2021, on the theme of Household Finance.


As part of this conference, we announced a global call for proposals, in May 2020, on themes at the intersection of financial inclusion and household finance research. After multiple rounds of screening, we selected a total of 10 research teams. The selected research teams will present their research outputs at this conference categorised under two research tracks. We also have eminent speakers joining us for keynote sessions, expert talks, and panel discussion on various themes of household finance.


Grant proposal themes

These themes were carefully curated to address the current challenges that exist in the field of household finance


Research Tracks

Submissions were made under two research tracks based on the theme of household finance

Day-wise Research Themes

Primary Research - (Track 2)

  • LEAD at Krea University Exploring Household Financial Decision-making Through a Migration LensRead More
  • Grameen Foundation India Understanding the Impact of COVID-19 on Preferences for Household Portfolio, Social Security and Risk Mitigation Strategies for Low-income Migrant Households and Their Response to Unconditional Cash TransfersRead More

Secondary Research - (Track 1)

  • NIPFP and IIT-Delhi Understanding Gold as An Asset Class in IndiaRead More
  • Flame University Household Portfolio Choice and Healthcare-Seeking Behaviour – An Empirical Analysis Focusing on Women in their Reproductive Age (15-49 years) in IndiaRead More
  • Sharda University and BITS Pilani Socio-Economic Determinants of Household Investment Portfolio in IndiaRead More

Primary Research - (Track 2)

  • Busara Center for Behavioral Economics From Person to Situation: Understanding and Testing Household Level Financial Behavior Using a Behavioral Design ApproachRead More

Primary Research - (Track 2)

  • BITS Pilani Urban Low-income Households & Savings: Understanding Issues and Challenges in Indian ContextRead More

Primary Research - (Track 2)

  • ICAR Development of Farmers Distress IndexRead More

Secondary Research - (Track 1)

  • IIIT-Bangalore Event History Analysis of Household Finance DataRead More
  • IIM-Shillong Financial Vulnerability Assessment using Data Analytics: Evidence from the rural households of 3 Indian statesRead More

Highlight Section

The 10 research teams will present their research outputs at Household Finance Research Conference scheduled for 7th to 11th June 2021. As part of this conference, we also have eminent speakers joining us for keynote sessions, expert talks, and panel discussions on various themes of household

Research Papers

The research papers produced under both the research tracks are available here


Blog Post Series

The blog posts and fact sheets summarising the key findings from the research is available here