Household Finance
- Grievance Redress by Courts in Consumer Finance Disputes (with Karan Gulati), NIPFP Working Paper No. 331, 2021.
- Unshrouding product-specific attributes through financial education (with Olga Balakina, Vimal Balasubramaniam and Aditi Dimri), 2021.
- The Impact of Tax Breaks on Household Financial Saving (with Radhika Pandey and Ila Patnaik), India Policy Forum, 2019.
- Stock Market Participation in the Aftermath of an Accounting Scandal, Emerging Markets Review, 2019.
- From participation to repurchase: Low income households and micro-insurance (with Susan Thomas), Journal of Risk and Insurance, 2018.
- Misled and Mis-sold: Financial Misbehaviour in Retail Banks? (with Monika Halan), Journal of Comparative Economics, 45(3), 2017.
- Regulating consumer finance: Do disclosures matter? The case of life insurance (with Monika Halan), NIPFP Working paper 212, November 2017.
- On the Impact of Regulating Commissions: Evidence from the Indian Mutual Funds Market (with Santosh Anagol, Vijay Marrisetty and Buvaneshwaran G. Venugopal), World Bank Economic Review, 2016.
- The real costs of credit constraints: Evidence from the micro-credit market (with Susan Thomas), BE Journal of Applied Economics and Policy 16(1), 2016.
- The case of the missing billions: Estimating losses to customers due to mis-sold life insurance policies (with Monika Halan and Susan Thomas) Journal of Economic Policy Reform, 2014.
- What should regulation do in the field of micro-finance (with Susan Thomas), Economic and Political Weekly, XLVIII(5), 2012.
- A regulatory approach to financial product advice and distribution (with M. Sahoo), IGIDR Working Paper WP-2011-029, 2011.
- A policy response to the Indian micro-finance crisis (with Susan Thomas), IGIDR Working Paper WP-2011-007, 2011.
Pensions
- Simulating Pension Income Scenarios with penCalc (with William Price), World Bank Policy Research Working Paper, January 2018.
- In search of inclusion: Informal sector participation in a voluntary, defined contribution pension system (with Susan Thomas), Journal of Development Studies, 2015.
- The way forward for India's National Pension System (with Susan Thomas), IGIDR Working Paper WP-2014-22, 2014.
- Learning from the early experience of India's matching defined contribution scheme (with Robert Palacios), In Hinz et. al.(editors), Matching Contributions for Pensions: A Review of International Experience, Chapter 12, The World Bank, 2012.
- Demographic shift and financial markets in APEC-Asia: New age solutions to age old challenges (with John Piggott), Asia-Pacific Journal of Risk and Insurance, 6(1), 2012.
- Civil services and military pensions in India (with Ajay Shah), in Noriyuki Takayama (ed), Reforming Pensions for Civil and Military Servants, Chapter 4, 2011.
- Indexing Pensions (with John Piggott), SP Discussion Paper No. 0925, The World Bank, 2009.
- Superannuation fund governance: trustee policies and practices (with Wilson Sy, Chirs Inman and Neil Esho), Working paper, Australian Prudential Regulation Authority, 2008.
- Annuity markets in India: Do consumers get their money's worth? (with Estelle James), Economic and Political Weekly, XXXVIII(8), February 2003.
State Capacity and Regulation
- An analysis of the SEBI WhatsApp Orders: Some observations on regulation-making and adjudication (with Rajat Asthana and S. Vivek), The Leap Blog, 2021.
- Should consumers be restricted from storing their card data on the internet? (with Ajay Shah and Bhargavi Zaveri), xKDR Working Paper 3, 2021.
- Towards better enforcement by regulatory agencies in India (with Trishee Goyal), Data Governance Network, Working Paper, 14, 2021.
- Analysing India's KYC Framework: Can We Do Things Better? (with Rishab Bailey and Trishee Goyal and Riddhi Varma), 2021.
- Comments on the "Report by the Committee of Experts on Non-Personal Data Governance Framework" (with Rishab Bailey and Smriti Parsheera), 2020.
- A critique of the Aadhhar Legal Framework (with Vrinda Bhandari), NLSIR Rev (31), 2020.
- Disclosures in Privacy Policies: Does "Notice and Consent" Work? (with Rishab Bailey, Smriti Parsheera and Faiza Rahman), NIPFP Working Paper, WP No. 246, 2019.
- Protecting Citizens from the State post Puttaswamy: Analysing the Privacy Implications of the Justice Srikrishna Committee Report and the Data Protection Bill, 2018 (with Vrinda Bhandari), Socio Legal Review 14(2), 2018.
- Understanding Judicial Delay at the Income Tax Appellate Tribunal in India (with Pratik Datta and Surya Prakash B. S.), NIPFP Working paper 208, October 2017.
- Towards a privacy framework for India in the age of the internet (with Vrinda Bhandari), NIPFP Working Paper, 179, October 2016.
- International Regulatory Cooperation on the Resolution of Financial Institutions: Where Does India Stand?, New Thinking and the New G20 Paper No. 10, CIGI, 2015.
- An economic policy and legal analysis of The Micro Finance Institutions (Development & Regulation) Bill, 2011 (with Shubho Roy and Susan Thomas), IGIDR Working Paper WP-2011-025, 2011.
- The elephant in the age of liberation (with Parth Shah), in Benjamin Powell (ed), Making Poor Nations Rich: Entrepreneurship and the Process of Economic Development, Chapter 11, The Independent Institute, 2007.
Bankruptcy
- Designing a Personal Insolvency Regime: A Baseline Framework for India's Insolvency and Bankruptcy Code (with Adam Feibelman), Chapter 31, Insolvency and Bankruptcy regime in India: A Narrative, Insolvency and Bankruptcy Board of India, 2020
- The Way Forward for Personal Insolvency in the Indian Insolvency and Bankruptcy Code, NIPFP Working Paper, No 251, 2019.
- A Maximalist Approach to Data from India's New Insolvency and Bankruptcy System (with Adam Feibelman), Tulane Public Law Research Paper No. 19-4, 2019.
Contact
For more information on my work, to get in touch regarding new projects, or to just say hello, feel free to get in touch.