Nirupama Kulkarni

I am Professor (formerly Additional Director–Research) at CAFRAL, a research institution promoted by the Reserve Bank of India. My academic research focuses on banking, digital finance, and housing markets in India, while my policy work spans central banking and financial regulation.

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I hold a Ph.D. in Finance and Real Estate from the University of California, Berkeley, an MBA from New York University, and a B.Tech. from IIT Bombay.

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