Independent Research and Policy Advocacy


Policy Briefs

A Policy Brief is a concise document that summarizes a specific policy issue and offers action-oriented recommendations. For us, it is an important output format for communicating complex policy issues to a non-technical audience. We believe that our policy briefs can help policymakers to better understand the issues at hand and make informed decisions backed by thorough research.

September 27, 2023 | Dvara Research

This research presents a framework comprising nine principles, which we believe are pre-requisites for creating user-centric GRMs.

By Anubhutie Singh, Srikara Prasad, Beni Chugh
August 7, 2023 | Dvara Research

This study presents the design of an Outcome Based Survey crafted to evaluate the effect that UPI-fraud-awareness campaigns have in reducing individuals’ propensity to engage with fraudulent communication.

By Beni Chugh, Lakshay Narang
June 5, 2023 | Dvara Research

Managed competition is a theoretical concept for designing and regulating health insurance systems. Such systems can secure consumers' interests by managing diverging incentives, instituting uniform regulations, equipping consumers to make informed choices, and creating a competitive environment tailored to rewarding those organisations that improve services to consumers.

By Anjali Nambiar, Hasna Ashraf, Aarushi Gupta
June 24, 2022 | Dvara Research

The Microfinance sector is gearing up for change as the recent RBI (Regulatory Framework for Microfinance Loans) Directions, 2022 has put in place comprehensive regulations to ensure customer protection

November 8, 2021 | Dvara Research

In this policy brief, we review the literature to uncover the deficiencies of the consent model and propose measures to improve the consent artefact for new to technology and constrained users.

By Manasvi Aiyer, Beni Chugh
August 25, 2021 | Dvara Research
By Madhu Srinivas, Deepti George
March 26, 2021 | Dvara Research

Impact of Information Disclosure on Consumer Behaviour 1

By Niyati Agrawal, Misha Sharma, Madhu Srinivas, Monami Dasgupta, Monika Halan
March 17, 2021 | Dvara Research

Excessive debt negatively affects households and can diminish any developmental gains from such debt. It also dampens a nation’s economic growth and threatens its financial stability.

September 28, 2020 | Dvara Research

In the wake of COVID-19 related lockdown and the resultant impact on the financial lives of millions of households, the Reserve Bank of India (RBI) approved a series of regulatory measures, which among others, enabled lending institutions to provide their borrowers with a 6 month-repayment moratorium on term loans. A debt moratorium at this scale […]

By Dwijaraj Bhattacharya, Misha Sharma, Monami Dasgupta
May 19, 2020 | Dvara Research

In this policy brief, we identify some of the challenges in enrolling for and availing the benefits under the Pradhan Mantri Garib Kalyan Yojana announced by the Central Government of India.

By Aarushi Gupta, Anupama Kumar, Janani AP