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Empowering Communities: The Rang De Revolution in Financial Inclusion


Since its inception in 2008, Rang De has been at the forefront of India’s financial inclusion revolution as the country’s pioneering social peer-to-peer (P2P) lending platform. With a steadfast mission to provide access to low-cost and affordable credit, Rang De combines the power of empathy and technology to empower individuals from low-income households who are often financially excluded. Through its innovative platform, Rang De facilitates investments in first-time borrowers such as farmers, entrepreneurs, and students, catalyzing positive change in communities nationwide.

In its early years, Rang De received crucial support from ICICI Foundation and Tata Trusts, bolstering its efforts to bridge the gap in financial access. Over the years, Rang De’s impact has been profound, raising over INR 80 crores from a community of more than 15,000 individuals and disbursing it to 65,000 low-income households, thereby transforming lives and livelihoods.

In 2019, Rang De ushered in a new era with the launch of its revamped platform, RangDe.in, transitioning into a Non-Banking Financial Company (NBFC P2P). This landmark move positioned Rang De as the first RBI-regulated social peer-to-peer lending platform in India, reaffirming its commitment to compliance, transparency, and innovation.

Rang De Advantage:

Rang De offers a unique opportunity for individuals to make meaningful social investments, catering to the growing aspirations of a global Indian community keen on contributing beyond traditional charity. Unlike conventional philanthropy, Rang De’s distinctive social investing model resonates with socially conscious investors, enabling them to reinvest repayments received, thus perpetuating a sustainable cycle of impact and empowerment.

Founders’ Vision:

Driven by a shared vision inspired by the transformative potential of microcredit, co-founders Smita Ram and Ramakrishna (Ram) NK embarked on a journey to leverage credit as a tool for poverty alleviation. Witnessing the profound impact of Prof. Yunus and the Grameen Bank’s Nobel Peace Prize win in 2006, they envisioned a platform that could catalyze sustainable development by providing timely and affordable credit to underserved communities.

Pioneering Social Investing:

Rang De’s mission is rooted in pioneering social investing, enabling individuals to lend directly to unbanked farmers, artisans, and entrepreneurs. Through this platform, everyday citizens can contribute to the growth of these communities, kickstarting, sustaining, and nurturing livelihoods where traditional banking services often fall short.

Revolutionizing Credit Access:   

At the heart of Rang De’s mission is a steadfast commitment to revolutionize credit access and catalyze last-mile financial inclusion. Through a highly differentiated business model, Rang De maximizes impact, profitability, and growth, while ensuring affordability for borrowers and a rich investing experience for lenders.

The Power of Transparency:

Rang De distinguishes itself through radical transparency. By empowering social investors with the ability to handpick their investees and providing insights into organizational operations, Rang De fosters trust and accountability, nurturing a community-driven approach to financial inclusion.

Community of Passionate Investors:

Central to Rang De’s success is its community of passionate angel investors, including luminaries like Girish Mathrubootham and Arun Jain. United by a shared mission and purpose, these investors fuel the platform’s efforts to create a more equitable and inclusive financial landscape.

Invitation to Join the Movement: As Rang De continues its journey, it invites individuals to join the movement and invest in change. By supporting entrepreneurs from low-income backgrounds, individuals can play a pivotal role in shaping a brighter future for generations to come.

In conclusion, Rang De stands as a testament to the transformative power of microcredit in fostering financial inclusion and empowering marginalized communities. Through its innovative approach, commitment to transparency, and unwavering dedication, Rang De continues to pave the way towards a more equitable and prosperous India. Join the movement today and be a part of the Rang De revolution.

Founders’ Dedication:

Smita Ram and Ramakrishna (Ram) NK’s journey with Rang De is a testament to their unwavering dedication and visionary leadership in the realm of social entrepreneurship. Their commitment to empowering marginalized communities and driving sustainable change has been the cornerstone of Rang De’s success.

Smita Ram’s tenure as CEO has been characterized by strategic foresight and a deep-seated belief in the transformative power of financial inclusion. Under her leadership, Rang De has not only navigated regulatory challenges but has also expanded its reach and impact, touching the lives of countless individuals across India. Smita’s unwavering commitment to the organization’s mission has earned her recognition as a trailblazer in the field of social finance.

Ramakrishna (Ram) NK’s journey is a testament to his passion for social change and his relentless pursuit of innovative solutions to address India’s developmental challenges. His personal experiences have fueled his determination to create meaningful impact, driving him to spearhead initiatives that tackle issues like child labor and rural unemployment head-on. Ram’s visionary leadership has been instrumental in shaping Rang De into a platform that not only provides access to credit but also fosters community-driven empowerment and sustainable development.

Together, Smita and Ram embody the spirit of social entrepreneurship, inspiring others to join them in their mission to create a more equitable and inclusive society. Their dedication, resilience, and vision continue to guide Rang De on its path towards catalyzing positive change and building a brighter future for generations to come.


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