Renuka Sane is the Managing Director at Trustbridge. Her research interests lie in credit and bankruptcy, pensions, household finance, financial markets regulation, and the regulatory state. She has a PhD in Economics from the University of New South Wales and holds an MA in Economics from Mumbai University.
Sane was a member of the Task Force of Experts set up by the Employees Provident Fund Organisation to study its pension scheme. She was a member of the research team of the Bankruptcy Legislative Reforms Commission on Individual Insolvency. She was a member of the Pension Advisory Committee of the Pension Fund Regulatory Development Authority, and a member of the Working Group on personal insolvency at the Insolvency and Bankruptcy Board of India.
Education
2006-11: Ph.D. Economics, University of New South Wales, Sydney.
Thesis title — Australian Retirement Policy: Incentive effects on the elderly
2001-03: MA (Economics), University of Mumbai
1998-2001: BA (Economics-Statistics), St. Xavier’s College, Mumbai
Publications
1. Consumer Protection
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- 2017: Misled and missold: Financial misbehaviour by retail banks, Journal of Comparative Economics, 45(3), (with Monika Halan).
- 2021: Grievance Redress by Courts in Consumer Finance Disputes, NIPFP working paper No. 331, (with Karan Gulati).
2. Credit and bankruptcy
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- Designing a Personal Insolvency Regime: A Baseline Framework for India’s Insolvency and Bankruptcy Code, Chapter 31, Insolvency and Bankruptcy regime in India: A Narrative, Insolvency and Bankruptcy Board of India, (with Adam Feibelman).
- What should regulation do in the field of micro-finance? Economic and Political Weekly, XLVIII(5), (with Susan Thomas).
3. Pensions
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- In search of inclusion: Informal sector participation in a voluntary, defined contribution pension system, Journal of Development Studies, (with Susan Thomas).
- Civil services and military pensions in India, In Noriyuki Takayama (editor), Reforming Pensions for Civil and Military Servants, Chapter 4, Maruzen Publishing, (with Ajay Shah).
4. Savings and insurance
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- Impact of tax incentives on household financial saving, India Policy Forum, 15(1), (with Radhika Pandey and Ila Patnaik).
5. State capacity
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- A critique of the Aadhaar legal framework, The National Law School of India Review, (with Vrinda Bhandari).
- International Regulatory Cooperation on the Resolution of Financial Institutions: Where Does India Stand?, In Henning and Walter (editors), Global Financial Governance Confronts the Rising Powers, Chapter 9, Centre for International Governance Innovation.
6. Health and climate
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- Estimates of air pollution in Delhi from the burning of firecrackers during the festival of Diwali, PLoS ONE, 13(8): e0200371, (with Dhananjay Ghei).