Independent Research and Policy Advocacy

Indradeep Ghosh Dvara

Dr. Indradeep Ghosh

Executive Director
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Dr. Indradeep Ghosh is the Executive Director of Dvara Research. He has a PhD
from MIT, an MA from Cambridge University (where he won the Adam Smith Prize
given to the top graduating student in the university), and a BA from St.
Stephen’s College, all in Economics. After graduating from MIT, Dr. Ghosh
pursued an academic career for more than a decade, first at Haverford College
in Philadelphia,

Pennsylvania, and then at the Meghnad Desai Academy of Economics in Mumbai,
India. At Dvara Research, he works with the Board to drive its research agenda
and leads research priorities in coordination with the practice heads.

Dr. Ghosh brings an interdisciplinary orientation to understanding and
solving the problems of financial inclusion and social protection in India,
and an enthusiasm for co-creating solutions in a style of constructive
engagement with other research organizations, academic researchers, and
practitioners (financial service providers, civil society organizations,
social enterprises, and non-profits). Dr. Ghosh also interfaces regularly with
policymakers and regulators to advocate for sensible pro-poor financial
inclusion and social protection policies. In 2020, Dr. Ghosh led the drafting
team for the Social Stock Exchange report (by SEBI’s Working Group), and in
2021, Dr. Ghosh served on the Insolvency & Bankruptcy Board of India’s
Research Guidance Group. He continues to occasionally publish in peer-reviewed
journals such as the Economic & Political Weekly (
see here
, under Special Articles) and the Journal of Cultural Economy (see here). Recently, Indradeep has written about the relation between household level
economic activity and macro-aggregate economic activity, and also about
women’s financial inclusion.

Focus policy initiatives

Financial Systems Design
Household Finance
Social Protection Initiative
Center For Customer Protection
The Future Of Finance Initiative



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January 18, 2024 | Dvara Research

This blog is the first in our trust series where we study trust in digital financial services. This blog attempts to lay down the conceptual contours of trust.

December 1, 2023 | Dvara Research

This chapter documents the growing informalization of India’s labour force and the consequences of this phenomenon for the state of social protection in India.

December 1, 2023 | ACCESS

Advancing women’s financial inclusion is a key policy objective for both advanced and emerging economies. Providing access to formal finance is seen as an important lever in helping poor women seize economic opportunities and build a resilient future for themselves and their families.

October 19, 2023 | Dvara Research

This blog is the first in our trust series where we study trust in digital financial services. This blog attempts to lay down the conceptual contours of trust.

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
March 10, 2023 | ibbi

T he Insolvency and Bankruptcy Code, 2016 (Code) is the umbrella legislation for insolvency resolution of corporate persons, partnership firms and individuals

March 6, 2023 | Dvara Research

Technological advancement is enabling governments to break away from this fragmented model and adopt an approach that allows individual departments to share infrastructural capacities. In policy parlance, this new approach is referred to as an ‘ecosystem-based’ delivery model, wherein several government departments are integrated at the back end, operate on the same platform, with their workflows interoperable with each other.

By Aishwarya Narayan, Lakshay Narang, Aarushi Gupta, Beni Chugh, Dr. Indradeep Ghosh
February 13, 2023 | Dvara Research

Despite significant policy support for financial inclusion, there is little evidence about what has been achieved by way of knowing which households and individuals are financially included, or what is the impact of such inclusion on these persons.

By Natasha D’cruze, Dr. Indradeep Ghosh, Geetika Palta, Misha Sharma, Susan Thomas
January 23, 2023 | Dvara Research

The Inclusive Finance India Report is a comprehensive and well-researched account on cumulative progress made in India toward reaching the ambitious goal of universal financial inclusion.

By Dr. Indradeep Ghosh, Susan Thomas, XKDR Forum, Dvara Research
October 17, 2022 | ThePrint

The social dimension of household finances is often missed by popular commentary on finance, which sees such decisions as being made by an individual for only themselves.