Puneet Chopra


Puneet Chopra heads the Banking and Product Development, Agriculture and Allied Services, and Private Sector Development Domain at MSC.

He is an expert in business planning, strategy and operations, consumer research, product development, and innovation. Puneet specializes in distribution channels, marketing, process re-engineering, and project and program management. With a career spanning over two decades, he has diverse experience in various roles and capacities across banking, financial services, insurance, telecommunications, information technology, media, entertainment, and transportation industries.

Posts by Puneet Chopra

Market readiness for mobile money interoperability

Interoperability of mobile financial services offers great benefits for the wider ecosystem. This blog explores the impact of interoperability on financial inclusion.

Does the new inclusion scheme risk adding a Rs. 1,000 billion subsidy burden?

Here the author reviews the comprehensive financial inclusion scheme launched by the Prime Minister of India and concludes the scheme has right intent but needs meticulous attention to cover potential pitfalls.


Speaking with us, Puneet Chopra, MSC’s Domain Leader- Digital Financial Services: Banks/Product Innovation, shares his views on business correspondent model in India and explains how interoperability of BC channels can enhance the confidence of stakeholders, such as the government, banks and BCNMs, in the system. Taking the conversation ahead, he observes the dichotomy of what is […]

The Curious Case of Missing Agents in Rural India

This note highlights the survey conducted by MicroSave covering five districts of U.P and Bihar, to ascertain the real presence of CSPs and their activity levels.

Optimising Commissions and Payout Mechanism For G2P Payments Under Electronic and Direct Benefit Transfer

This Policy Brief tries to address the two fundamental questions of (1) what should be an appropriate fee for disbursal of G2P payments? and (2) what can be the norm or mechanism for division of the payout between banks, BCNMs and CSPs?

Behind the Big Numbers: Improving the Reach and Quality of Agent Networks in India

MicroSave PB #9 describes the true reach and quality of India’s BC networks, the design features of successful agent networks, and policy and regulatory interventions in poor communities across India.

Great business for banks – So why are they slow to build agency banking?

In this blog, MicroSave elaborates the reasons why despite clear business opportunity banks are reticent and unwilling to commit to agency banking.

Aadhaar Enabled Direct Benefit Transfer in East Godavari

MicroSave’s pilot study in India highlights barriers, best practices and a roadmap to implement the ambitious, policy initiative of transferring the government benefits directly into the Aadhaar linked accounts of the beneficiaries.