Independent Research and Policy Advocacy

Priyadarshini Ganesan Dvara

Priyadarshini Ganesan

Senior Research Associate
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Priyadarshini is a Senior Research Associate with a focus on household finance. She had previously worked as an Executive Officer with ECGC Ltd. in the field of export credit insurance and as a Research Associate with IFMR LEAD in the theme of financial inclusion of rural households. Priya holds a Master’s in Economics from Madras School of Economics, Chennai. She is interested in understanding the systems and processes that engender social, economic and financial well-being of low-income households.

Focus policy initiatives

Center For Customer Protection
Household Finance



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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.

May 8, 2023 | Dvara Research

This blog post summarises key takeaways from a virtual workshop we recently hosted. It was conducted against the backdrop of a study that we recently concluded titled “Can information disclosures influence life insurance purchase decisions for low-income households?”.

February 27, 2023 | ThePrint

Unlike term plans that provide life risk cover or unit-linked schemes, where returns are market-linked, endowment plans offer maturity benefits upon survival & minimum guaranteed return.

November 3, 2022 | Dvara Research

Life insurance is an important financial tool that allows households to manage financial risks arising from the death of an earning member.

November 3, 2022

There are several reasons for low take-up of life insurance policies in general and specifically low take-up of term life insurance. These factors range from supply side barriers such as misaligned incentive structures for agents selling life insurance policies, lack of availability and accessibility to a larger suite of life insurance products customized to the needs of low-income households to demand-side barriers such as household’s contextual factors that limit their awareness and priority for a life insurance product and their behavioural preferences pertaining to life insurance products.

August 5, 2022 | Dvara Research

In this study, we conduct a quantitative analysis of household finance data to understand the status of health insurance ownership in India, identify the determinants of health insurance ownership, and understand the relationship between households’ access to health insurance and their health expenditure.

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

February 8, 2022 | CNBC TV18

India needs to carefully assess its capacity, need and social context while choosing its own path towards not just greater agricultural productivity and better farmer welfare but also ecological sustainability.

November 3, 2021 | The Hindu Business Line

It is an important tool for agrarian families to manage and mitigate their risks

September 2, 2021 | The Hindu

he microfinance movement in India is set to receive another dose of impetus with the Reserve Bank of India’s (RBI) recently released Consultative Document on Regulation of Microfinance in June 2021. Following the Malegam Committee Report, which is a decade old now, the current document looks to reassess and realign the priorities of the sector.