Assistant Professor

Dr Kamal Sai Sadharma Erra

Department of Economics


  1. Money and Banking
  2. Spatial and Panel Econometrics
  3. Macroeconomics



Sri Sathya Sai Institute of Higher Learning, Whitefield
BCom (Hons)


University of Hyderabad
MA (Economics)


University of Hyderabad
PhD (Economics)


  • September 2020 to December 2021 – Guest Faculty – SRM University-AP

Research Interests

  • Club convergence in levels of financial inclusion across developed and developing countries.
  • Effect of greater access to formal financial services in India on poverty, income inequality and unemployment at the rural and urban levels.
  • Impact of COVID-19 pandemic on the microfinance sector, together with shift in policy framework of the government towards small businesses in India.

Awards & Fellowships

  • 2015 – Junior Research Fellow – University Grants Commission
  • 2017 – Senior Research Fellow – University Grants Commission

List of Publications

  • Financial Inclusion Across Major Indian States: Some Spatial Panel Error Component Evidence. - Sadharma, E. K. S. & Acharya, D. - International Journal of Social Economics, 48(3), 419-436. (2021)
  • Non-Banking Financial Companies-Microfinance Institutions in India: Current Policy Issues and Challenges - Acharya, D., & Sadharma, E. K. S.- Arthika Charche: FPI Journal of Economics and Governance, 5(1), 03-14. (2020)
  • Does Financial Inclusion Matter for Poverty and Unemployment? Some Evidence from Indian States - Sadharma, E. K. S., & Venkatachalapathy, T. K. - Microfinance Review, 10(1), 36-51 (2018)

Contact Details