Where evidence matters most
Gurjas is positioned for social-science, management, public policy and development-facing research where methodological rigour must translate into institutional value.
Focus areas
Financial inclusion & digital public infrastructure
Our core research programme examines how digital financial systems — e-payments, the JAM trinity, fintech applications and blockchain-based delivery — convert into real capability and welfare gains for low-income households. This work spans large-scale primary fieldwork in Indian urban slums and cross-country analysis of digital financial inclusion across 97 economies, published in journals including Technological Forecasting & Social Change and Cities.
Urban poverty & capability-based development
Drawing on the capability approach, we study how credit utilisation, entrepreneurship development and social safety nets shape poverty outcomes in Indian cities — including the malpractices and unproductive consumption patterns that undermine welfare programmes.
Welfare delivery & governance innovation
We analyse government-led digital innovations — blockchain in public services, direct benefit transfer, social welfare schemes during crises — with attention to what actually reaches beneficiaries.
Macro-financial resilience
ARDL and GARCH-family modelling of capital flows, portfolio investment drivers and macro-financial stability, benchmarked across emerging economies for ICSSR-sponsored research.
Higher-education research & institutional capacity
Applied work on NAAC/IQAC processes, management education and research-capacity building in Indian higher education.
Evidence in practice
Representative areas of work, drawn from the team's research and project experience. Client-specific engagements are described only with prior consent.
Digital payments & welfare access in urban slums
Large-scale primary fieldwork (500+ respondents) on e-payment adoption, JAM-trinity delivery and capability conversion, translated into peer-reviewed evidence and policy-facing briefs.
Capital-flow resilience modelling
ARDL and GARCH-family volatility analysis of FPI drivers and macro-financial stability, benchmarked across India, Brazil and Indonesia for an ICSSR-sponsored research programme.
National innovation-hub coordination
Research administration, monitoring, utilisation tracking and compliance documentation within a DST-funded Technology Innovation Hub environment (iHub-AWaDH, IIT Ropar).
Community impact evaluation
An NGO impact-evaluation partnership is being formalised. This entry will describe the engagement, methodology and outcomes once the study is complete and consent is in place.