Independent Research and Policy Advocacy

Dr. Indradeep Ghosh

Indradeep Ghosh Dvara

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 […]

Sowmini G Prasad

Sowmini G Prasad Dvara

Sowmini is a Research Associate with the Financial Systems Design initiative. She has a Master’s in Public Policy from National Law School of India University, Bengaluru. She is also a Chartered Accountant and began her career at VMware working as a Financial Analyst for their Asia-Pacific business operations. She later worked with Infosys as an […]

Risha Ramachandran

Risha Ramachandran Dvara

Risha Ramachandran is a qualitative researcher who is passionate to work in the areas of gender, work and mental health. She has a Master’s in Social work (Mental Health) from Tata Institute of Social Sciences, Mumbai. After her Masters, she worked in a community based mental health project in Mehsana, Gujarat and later developed a […]

Priyadarshini Ganesan

Priyadarshini Ganesan Dvara

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 […]

Niyati Agrawal

Niyati Agrawal Dvara

Niyati is a Research Associate with the Household Finance Research Initiative and Data Analytics Associate at Dvara Research. She completed her Master’s in Economics from Ashoka University, wherein for her dissertation, she worked on developing a theoretical model to study the problem of self-control with respect to social influence. Prior to joining Dvara Research, she […]

Natasha D’cruze

Natasha D’cruze Dvara

Natasha D’cruze is a Research Associate with Household Finance Research Initiative. She has a Master’s in Development Economics from SOAS, University of London, and an undergraduate degree in Economics from Delhi University.  She has worked as an action researcher on the digital and Aadhaar-based delivery mechanism of social welfare schemes in Jharkhand, where she did […]

Misha Sharma

Misha Sharma Dvara

Misha leads the Household Finance Practice at Dvara Research. In this role she focuses on identifying key research gaps in the field of Household Finance and building evidence to inform market practices and design of financial sector policy.  Misha specialises in policy research and advocacy in the domain of financial inclusion. She has several years […]

Hasna Ashraf

Hasna Ashraf Dvara

Hasna is a Research Associate with the Social Protection Initiative. She completed her master’s degree in development studies from Indian Institute of Technology Madras. At Dvara she has been researching extensively about social security systems, with a focus on health systems. As a fellow to the Lancet Citizens’ Commission on Reimagining India’s Health System, she […]

Dwijaraj Bhattacharya

Dwijaraj Bhattacharya

Dwijaraj leads the Financial Systems Design Initiative. His work focuses on households’ access to credit and impediments therein. His research interests include the legislative and regulatory frameworks governing providers, regulators, and other entities in the financial sector. His work also focuses on personal insolvency and bankruptcy. Dwijaraj holds a Master’s in Public Policy from the […]

Deepti George

Deepti George Dvara

With one and a half decades of experience, Deepti leads Dvara Research’s thinking on regulatory and policy themes in financial and banking systems. Deepti’s area of research and advocacy include consumer protection and institutional conduct, financial inclusion, and retail and wholesale financial services within Indian as well as international jurisdictions. She was part of the […]