Independent Research and Policy Advocacy


Opinion Editorials

Our opinion editorials are published in newspapers, magazines, and new-age online publications. They are an important tool for public discourse and advocacy. They help us to raise awareness about important issues, and they often provide a platform for perspectives from our researchers, to be presented and to be heard.

January 15, 2024 | Moneycontrol

Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders

By Deepti George, Madhu Srinivas
January 15, 2024 | Hindustan Times

For the first time, the majority of Indian women have been financially included. Fresh data show that the proportion of Indian women with individual accounts in formal financial institutions (primarily banks) reached 61% in 2015, a sharp increase from 48% in 2014, lagging men by only eight percentage points.

By Bindu Ananth, Amy Jensen Mowl
January 15, 2024 | LiveMint

Imagine you are a labourer in a village in Odisha and have painstakingly completed your Aadhaar formalities (for which you gave a proof of permanent address and your fingerprints).

November 4, 2023 | Financial Express

These fraudulent messages have proliferated during the pandemic, where fraudsters induce panic or excitement that impairs the customers’ ability to think clearly.

By Lakshay Narang
September 20, 2023 | LiveMint

The microfinance industry has witnessed moves by the Reserve Bank of India (RBI) to revise the regulatory framework (March 2022) for it and also caution it against an exclusive focus on business growth (November 2022).

By Dr. Indradeep Ghosh, Anand Raman
June 28, 2023 | Moneycontrol

Insurance companies should align their sales practices to generate the best outcomes for low income households by ensuring easy access to a variety of products with disclosures that provide accurate information.

March 25, 2023 | ThePrint

The promise of SP-ODEs is compelling but it is worth reiterating that deploying them would not automatically translate into better welfare delivery.

By Lakshay Narang
January 14, 2023 | ET BFSI, The Economic Times

Tremendous efforts have gone into creating new authoritiessuch as the Central Consumer Protection Authority.

January 9, 2023 | ThePrint

Low-income households work with irregular income inflows, resulting in shrinking financial planning horizon and necessitating frequent decisions in response to frequent changes.

November 22, 2022 | FinDev Gateway

Indian households and businesses hold their wealth primarily in physical assets like real estate, gold, and durables, while barely investing in any financial assets.

By Niyati Agrawal, Rakshith S. Ponnathpur