Nishanth researches a wide range of questions on Financial Systems Design and Household Finance, identifying structural challenges and limitations to financial inclusion and the implications of limited access for low-income households. His recent work includes a rationalisation of prudential requirements on NBFCs and an empirical study of regional disparities in credit access and recommendations to achieve fairer distribution and optimal credit depth. His research interests include exploring the network structures and interconnectedness in the financial system and its implications for understanding financial stability. He is also passionate about working on designing better tools for exploratory data analysis using unsupervised learning techniques. Nishanth graduated with a Masters in Applied Mathematical Sciences and an undergraduate degree in Mathematics.