Amulya is a Senior Research Associate in the Financial Systems Design initiative. Her research focuses on understanding and improving access to suitable financial services for all, especially low-income households. Her work aims to enable the creation of a regulatory framework that fosters both meaningful inclusion and financial stability.

Amulya holds a Master’s degree in Rural Management from the Institute of Rural Management, Anand. She also holds a dual degree from BITS Pilani with a Bachelor’s degree in Chemical Engineering and a Master’s degree in Mathematics. Previously, she served in a project management role with Tata Trusts in Odisha and has also gained experience in the field of education assessment.