MicroGraam is a peer-to-peer marketplace for microcredit that aims to reduce interest rates for borrowers and provide social and financial returns for investors. It connects borrowers directly with lenders to allow negotiation of interest rates. MicroGraam has partnerships with NGOs and self-help groups representing millions of potential borrowers in India. The platform aims to reduce overhead costs and offer individual loans, portfolios, and micro-ventures to investors with returns ranging from 5-10% and loan periods of 1-3 years.