•  disha.bhanot@spjimr.org

Disha Bhanot

Assistant Professor

Operations Supply Chain Management and Quantitative Methods

Disha Bhanot holds a Ph.D. from the Indian Institute of Technology, Bombay with specialisation in Microfinance and Strategies for Financial Inclusion. She has a master’s degree from Birla Institute of Technology & Science, Pilani, with a major in Mathematics.

In her professional journey spanning 12 years, she has held research assignments and projects as a scientist and specialised in teaching Microfinance, Development Finance, Business Statistics, and Business Research Methods to management graduates.

Her noteworthy research work is anchored on topics of critical societal importance, such as Microfinance, Financial Inclusion, Affordable Housing Finance, and Agri-Supply Chains. Her scholarly contributions have been published in leading journals and periodicals such as World Development, Housing Studies, International Journal of Bank Marketing, Economic and Political Weekly, and Forbes India.

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Indian Institute Of Technology, Bombay

Ph.D., 2015
Focus: Microfinance

Birla Institute of Technology & Science, Pilani

Integrated MSc (Hons), 2008
Major: Mathematics



    Financial Inclusion

    Affordable Housing Finance

    Agri-Supply Chains


    Bhanot, D., Farias, V., Sinha, D., (2024). Interest subvention for crop loans in India: Win-win or win-lose ? Journal of Policy Modeling, Elsevier,  https://doi.org/10.1016/j.jpolmod.2024.05.006.

    Bhanot, D., Farias, V. F., & Sinha, D. (2021). Interest Subvention for Crop Loans in India: Win-Win or Win-Lose. Available at SSRN 3846070. http://dx.doi.org/10.2139/ssrn.3846070

    Bhanot, D., Kathuria, V., Das, D. (2020). Can institutional innovations in agri-marketing channels alleviate distress selling? Evidence from India. World Development, 137. https://doi.org/10.1016/j.worlddev.2020.105202

    Bhanot, D., Khaire, M., Kalro, A., Jha, S. (2019). Affordable Housing Finance Companies in India: How do they ‘differently’ serve the underserved? Housing Studies, 35(3). https://doi.org/10.1080/02673037.2019.1614538

    Bhanot, D., Bapat, D. V. (2019). Contributory factors towards sustainability of bank-linked self-help groups in India. Asia-Pacific Sustainable Development Journal, 26(2). https://doi.org/10.18356/be394dc2-en

    Link to Google Scholar


    Bhanot, D. (Author & Presenter), DSI International Conference, “Factors Impacting Failure of Women Micro-enterprises,” Online (November 20, 2021)

    Bhanot, D. (Author), POMS Annual Conference, “Interest Rate Elasticity of Loans to Small Farmers,” Online (April 24, 2020)

    Bhanot, D. (Author & Presenter), POMS International Conference, “Modelling likelihood of distress selling: Comparative study of agri marketing channels in India,” Brighton, UK. (September 4, 2019)

    Bhanot, D. (Author), Sustainability and Development Conference, “Distress Selling and role of agriculture supply chain – A study of horticulture crop in India.,” University of Michigan, Ann Arbor, USA. (November 11, 2018)

    Bhanot, D. (Presenter), 2017 Annual Meeting of the Decision Sciences Institute, “Modelling Distress Sale in Agriculture: Evidence from India.” Decision Science Institute, Washington DC, USA. (November 20, 2017)

    Bhanot, D. (Presenter), Sustainable Housing Conference 2016, “Housing Finance Companies in India: Negotiating the last financial mile,” Green Lines Institute for Sustainable Development, Porto, Portugal. (November 18, 2016)

    Bhanot, D. (Presenter), International Conference on Agribusiness in Emerging Economies, “Does inefficient agriculture supply chain cause distress sale? Learnings from the experience of Maharashtra,” Institute of Rural Management (IRMA), Anand, Gujarat, India., Gujarat. (January 7, 2016)

    Bhanot, D. (Presenter), Innovation and Entrepreneurship for Inclusive and Sustainable Development, “Studying the perception of bankers towards frugal innovations for the unserved,” Technology and Management Centre for Development (TMCD), Oxford, United Kingdom, United Kingdom. (August 30, 2013)

    Bhanot, D. (Presenter), Annual International Conference on Sustainability: Management and Beyond, “Efficient Microfinance Institutions: Sustainable Tool for Inclusive Growth and Development,” IIM Shillong, Shillong. (December 10, 2010)


    Bhanot, D. (2021). Revisiting Ayushman Bharat Scheme: Win-win or win-lose? Forbes India. https://www.forbesindia.com/article/bharatiya-vidya-bhavan039s-spjimr/revisiting-ayushman-bharat-scheme-winwin-or-winlose/68583/1

    Bhanot, D. (2020). Covid-19 lockdown: Do the poor need cash or calories? Fortune India. https://www.fortuneindia.com/opinion/covid-19-lockdown-do-the-poor-need-cash-or-calories/104536


    Quantitative Methods

    Business Statistics


    Management and Society


    Nominated for an online workshop on ‘Fast Tracking your Academic Career’ conducted by Aston Business School in March 2020

    Invited as a Speaker at the Roundtable Meet on ‘Skilling for Women – Promoting Social Entrepreneurship for Women in Rural India’, organized by Yunus Centre of Social Business of Vesim Business School, October 2019

    Invited as a Panelist for discussion on the topic, ‘Gender in Multiple Roles’ as part of BSIEM Programme, SPJIMR, November 2018



    Development Finance

    Business Statistics and Business Research Methods


    S. P. Jain Institute of Management & Research (May 2019 – Now)

    Assistant Professor – Operations Supply Chain Management & Quantitative Methods

    Tata Centre for Technology and Design, IIT Bombay (Aug 2018 – May 2019)

    Senior Research Scientist

    Tata Centre for Technology and Design, IIT Bombay (Jan 2015 – July 2018)

    Post-Doctoral Fellow

    JPMorgan Chase(June 2008 – Oct 2009)

    Client Service Analyst


    World Development

    International Journal of Bank Marketing

    Journal of Housing and the Built Environment

    International Journal of Social Economics


    Committee Member, Vivekanand Education Society’s Institute of Management, Mumbai, Maharashtra. (November 28, 2019)


    Decision Science Institute (DSI)


    Received seed grant funding of INR 1 million from Sir Dorabji Tata Trust through Tata Centre for Technology and Design, IIT Bombay for a research project on Affordable Housing Finance in India

    Received seed grant funding of INR 1 million from Sir Dorabji Tata Trust through Tata Centre for Technology and Design, IIT Bombay for a research project on Distress Selling in agriculture and role of agriculture supply chains

    Award of $6000 from Koo Endowment, Asian Studies Center, Michigan State University for research on the study of women-owned micro enterprises (MEs) of Kudumbashree Programme, Kerala, India

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