Here you can find more about Rangde. Some of your questions about Rangde are answered here.

1. Re-Thinking Poverty
Re-Thinking
Progress
The Rang De Story

2. Genesis
The Problem:
• 92.3% of India’s population does not have access to credit from a
formal financial institution (source: MFI State of Sector report)
• Most MFIs have largely focused on scaling wide and not deep
leading to a natural exclusion of the poorest of the poor.
How do you then:
• Reach the poor on the fringes, esp. first time borrowers?
• Lower cost of borrowing so that we can offer them affordable
micro-credit?

3. About Rang De
• Found in 2008, based in Bangalore ; 21 FTE.
• Founders and co-CEO’s – Ramakrishna NK & Smita Ramakrishna ;
who lived in UK for 4 years before starting Rang De in India.
• Based on a non-profit and a social enterprise model with the
minimum amount of loan contribution at Rs 100 and typical loan
size for enterpreneurs between Rs 5000-15000 for purposes such
as cow-rearing, vegetable plantation, education loans etc.
• Based on model combining microfinance, peer-to-peer lending
and crowdfunding.

4. Rang De Impact
Here are some pertinent Rang De Impact Statistics. Because, sometimes,
numbers speak louder than words.
36,000+
Loans disbursed
Rs 32 cr
Loans
Disbursed
7900+
Social
Investors
`94.1%
Women
Borrowers
300+
Activities
Funded
16
States
Covered
25+
Corporate
Partners
99.78%
Repayment
Rate

5. Awards and Recognitions
While our work is its own reward, it has also been instrumental in winning us
some valuable recognition, in the form of awards.
LIST OF AWARDS

6. Rang De’s Model
A technology driven platform for delivering low cost credit through Crowd-
funding and Peer-to-Peer lending, leveraging a network of qualified “Impact
Partners” to target borrowers from low-income underserved communities,
especially first time borrowers
*Model currently slightly different for Indian citizens vs non-Indian nationals (inc. PIO’s/OCI’s) where the
non-Indian nationals cannot withdraw social investment at all because of RBI FCRA regulations

7. Corporate Partners
The model provides
• Ability to utilize CSR funds for
economic empowerment in a
manner that is measurable,
transparent and scalable
• Promote a culture of
responsible giving within the
organization through employee
engagement activities
• Amplify impact by investing
repayments

8. Rang De’s Innovation
Different loan products with variable interests rate are available to provide
customized solutions to borrowers’ need. At the moment, Rang De offers
business , microventure, education and special loans.
Loan Product Impact
Partner
Social
Investor
Rang De Contingency Impact
Partner
Incentive
Total (p.a.)
Business 5.0% 2.0% 2.0% 0.5% 0.5% 10.0%
Higher
Education
2.0% -- 2.0% 0.5% 0.0% 4.5%
Secondary
Education
4.0% -- 2.0% 0.5% 0.0% 6.5%
Microenterprise 2.0% 4.0% 2.0% 1.0% 0.0% 9.0%
Special Loans 5.0% 2.0% 2.0% 1.0% 0.0% 10.0%

9. The Model provides..
Rang De Social Investors
• Ability to choose borrowers
based on state, loan purpose,
and business activity.
• 100% of funds disbursed
directly to the borrowers
• Periodic updates and real time
progress online
• Repayment rate of 99.75%
• Over 98% of repaid amount is
re-invested in other borrowers

10. The Model provides..
Rang De Borrowers
• Access to credit at low cost.
4.5% flat p.a. to 10.0% flat p.a.
(8.5% APR to 17.9% APR) with
loan size from £50-£150
• Over 50% of Rang De’s
borrowers are first time
borrowers
• Access to credit for underserved
needs such as education and
income enhancement activities
• Build creditworthiness with a
credit history

11. What are the Chapters doing?
Individuals
Groups
Corporates
Engagement
Volunteers &
Interns
Fundraising
Events (inc field
partners)
Rang De Co-
ordination
Media
Engagement
Communications
Reach out to
other locations

12. Appendix -

13. Rang De vs traditional Microfinance
Unlike an MFI, Rang De is a true-blue not for profit organization. A social enterprise that
seeks to maximize its impact while striving for sustainability. Here’s a quick reality check.
Lowest Interest Rates
• Borrowers receive loans at a flat rate of 10.0% p.a. (17.9% APR), which is among the
lowest interest rates in the world
Impact
• 100% of the funds are used to support Rang De ‘s borrowers
• Over 50% of Rang De’s borrowers are first time borrowers
Transparency
• Rang De’s documentation is published publicly
• Everyone has access to our annual reports, audit reports, borrower evaluations,
financial statements etc.
Sustainability
• On-line fund raising reduces cost of borrowing
• Continuous Process Improvement
• Technology driven organization with in-house capabilities in technology