As part of our policy initiatives, we work on systemic issues that impact the financial landscape of the country. In this section, we curate some of the broader themes that highlight our research and advocacy on critical topics that are impacting the system.

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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At Dvara Research, we assess the last-mile delivery challenges in welfare and provide policy and design solutions to minimize exclusion errors in the delivery architecture

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At Dvara Research, we analyse how low-income households use financial and non-financial instruments to attain their objectives to inform product design and policies to serve them better.

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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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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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Gender Gap in Finance

Our insights on the gender gap in access and usage of financial services

Informal Sector Workers

Our reflection on issues related to informal
sector workers in

Priority Sector Lending

Our work on addressing the regional disparity in
Priority Sector


Our contributions towards why suitability should form the core principle of consumer protection


We have been active in responding to issues related to Micro, Small, and Medium Enterprises