Affordable Housing Finance
Operations, Supply Chain Management & 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.
Integrated MSc (Hons), 2008
Affordable Housing Finance
Bhanot, D., Kathuria, V., Das, D. (2020). Can institutional innovations in agri-marketing channels alleviate distress selling? Evidence from India. World Development, 137. https://www.sciencedirect.com/science/article/pii/S0305750X20303296?casa_token=rScf2JqE9ZgAAAAA:InEkNihtQsswHihrxf6ie5eMT28tj4TTNGryAhyOzJ8naYn79_JLuNu31aLDs9Um- U6GOVdngqxX
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://www.unescap.org/publications/asia-pacific-sustainable-development-journal-vol-26-no- 2-december-2019
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).
Bhanot, D., Bapat, V. (2016). Multiplier Effect of Self-Help Groups (SHGs) on Financial Inclusion Performance: Analysis of Indian States. Economic and Political Weekly, 51(33). https://www.epw.in/journal/2016/33/notes/multiplier-effect-self-help-groups.html
Bhanot, D., Bapat, V. (2015). Sustainability Index of Microfinance Institutions (MFIs) and Contributory Factors. International Journal of Social Economics, 42(33), 387-403.
Bhanot, D., Bapat, V., Bera, S. (2012). Studying Financial Inclusion in Northeast India. International Journal of Bank Marketing, 30(6), 465-484.
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.
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
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
Assistant Professor – Operations Supply Chain Management & Quantitative Methods
Senior Research Scientist
Client Service Analyst
International Journal of Bank Marketing
Journal of Housing and the Built Environment
International Journal of Social Economics
Business Statistics and Business Research Methods
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