He completed a master's in economics from Delhi School of Economics (DSE), University of Delhi, and a Ph.D. in economics from IFMR. Before joining the Ph.D. programme at IFMR, Jyoti worked with the Centre for Micro Finance (CMF) at IFMR-LEAD as a research associate for more than three years. Jyoti has also worked with The World Bank as a short-term consultant (STC) on an impact evaluation study in Chhattishgarh, India. Jyoti has participated and presented papers in various national and international conferences both in India and abroad. Some of his research articles have been published in peer reviewed journals. His research interests include development economics, applied econometrics, and behavioural economics.