Renuka Sane

Financial Regulation, Consumer protection

Regulating consumer finance: Do disclosures matter? The case of life insurance (with Monika Halan), NIPFP Working paper 212, November 2017. [link]

Misled and Mis-sold: Financial Misbehaviour in Retail Banks? (with Monika Halan), Journal of Comparative Economics, 45(3), August 2017 [link]

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 February, 2016 [link]

International Regulatory Cooperation on the Resolution of Financial Institutions: Where Does India Stand?, New Thinking and the New G20 Paper No. 10, CIGI, 2015. [link]

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 [link]

What should regulation do in the field of micro-finance (with Susan Thomas), Economic and Political Weekly, 2012 [pdf]

A regulatory approach to financial product advice and distribution (with M. Sahoo), IGIDR Working Paper WP-2011-029, 2011. [link]

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. [link]

A policy response to the Indian micro-finance crisis (with Susan Thomas), IGIDR Working Paper WP-2011-007, 2011. [Link]


Simulating Pension Income Scenarios with penCalc (with William Price), World Bank Policy Research Working Paper, January 2018. [link]

In search of inclusion: Informal sector participation in a voluntary, defined contribution pension system (with Susan Thomas), Journal of Development Studies, 2015 [link]

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.

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. [Link]

The way forward for India's National Pension System (with Susan Thomas), IGIDR Working Paper WP-2014-22, 2014. [link]

Indexing Pensions (with John Piggott), Working Paper, The World Bank, 2009. [pdf]

Superannuation fund governance: trustee policies and practices (with Wilson Sy, Chirs Inman and Neil Esho), Working paper, Australian Prudential Regulation Authority, 2008. [pdf]

Annuity markets in India: Do consumers get their money's worth? (with Estelle James), Economic and Political Weekly, XXXVIII(8), February 2003. [link]

Savings, Insurance, Credit, Insolvency

The Impact of Tax Breaks on Household Financial Saving (with Radhika Pandey and Ila Patnaik), India Policy Forum (forthcoming).

Stock Market Participation in the Aftermath of an Accounting Scandal, Emerging Markets Review, 2019 [link]

The Way Forward for Personal Insolvency in the Indian Insolvency and Bankruptcy Code, NIPFP Working Paper, No 251, 2019 [link]

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 [link]

From participation to repurchase: Low income households and micro-insurance (with Susan Thomas), Journal of Risk and Insurance, 2018 [link]

The real costs of credit constraints: Evidence from the micro-credit market (with Susan Thomas), BE Journal of Applied Economics and Policy 16(1), January 2016 [link]

Data protection, privacy

A critique of the Aadhhar Legal Framework (with Vrinda Bhandari), NLSIR Rev (31), 2019 [link]

Disclosures in Privacy Policies: Does "Notice and Consent" Work? (with Rishab Bailey, Smriti Parsheera and Faiza Rahman), NIPFP Working Paper, WP No. 246, 2019 [link]

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). [link]

Towards a privacy framework for India in the age of the internet (with Vrinda Bhandari), NIPFP Working Paper, 179, October 2016. [link]


Estimates of air pollution in Delhi from the burning of firecrackers during the festival of Diwali (with Dhananjay Ghei), PLOS One, August, 2018 [link]

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. [link]

Borrowing by Indian firms (with Susan Thomas), India Development Report, 2012.

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.