Participants must be 25 to 65 years old, reside in Jharkhand, and have a role in household finance decisions. The study does not collect account numbers, balances, Aadhaar, PAN, passwords, or document copies.
Eligibility is checked before survey access, and identifiable participant data stays separate from published research outputs.
25+minimum participant ageJharkhandcurrent place of residenceDPDPprivacy framework alignment
Participation boundary
Who fits the study.
Eligibility is not just age or geography. The panel is meant for adults who genuinely influence how household finances are handled.
Eligible participants
Who can participate
Jharkhand residents aged 25 to 65
Primary earners, co-earners, homemakers, retired, students, and unemployed participants with a household finance role
Households with at least one financial instrument, including Jan Dhan
Data boundary
Only the information required to run the panel is collected.
The study keeps data needed for panel operations, survey access, and research analysis. Sensitive financial records, document copies, and account credentials are outside scope.
Identity data and research responses are stored separately
Public reports can use only the Research Layer
Identity data is retained for 12 months or until panel close, whichever is earlier
Anonymised research data and contact-layer data follow different clocks.
3 yearsanonymised response analysis90 dayssupport and token-delivery contact data
