𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐢𝐧 𝐈𝐧𝐝𝐢𝐚'𝐬 𝐄𝐧𝐭𝐞𝐫𝐩𝐫𝐞𝐧𝐞𝐮𝐫𝐢𝐚𝐥 𝐒𝐩𝐢𝐫𝐢𝐭 In 2022, I experimented with lending small amounts to small ventures across India through Rang De. I lent a few thousands to - Shivamurthy from Hassan, Karnatka for purchasing 3 cows and fodder, - Jai Kumar from Rohru, Himachal for buying supplies for his apple farm - Anjan Sarmah from Biswanath, Assam for procuring fish seeds - Gandimathi G from Namakkal, Tamil Nadu for her ambitious venture of mushroom cultivation - Pinki Devi from Mahendargarh, Haryana for adding more goats to her existing dairy business with 6 goats and so on ... Here are the findings from that experiment: 1. Indians (mango people - aam janta) across the length and breadth of this country are honest people. They don't run away, they work hard and they pay you back. Only 1.38% of the borrowed sum is marked as NPA. It is even lower than 2.8% NPA (as of March, 2024) of scheduled commercial banks of India. 2. These businesses are cash flow positive and profitable. Their business models are tried, tested and just need capital to scale. 28% of them were able to foreclose their loans earlier than they were due and pay 6.7% interest as well. 3. Easier access to affordable credit can spur economic mobility and reduce inequality in India while generating returns for investors. Note: These businesses / livelihoods are often crushed by local lenders who charge them as high as 20% which even most of us can't afford. Our loan helps them build a credit history which allows them to take loans from banks in the future. It is not charity or dole - This is Compassionate Capitalism. Smita Ram | Ramakrishna NK - More power to you! I am definitely going to quadruple down on my investments in real India.

𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐢𝐧 𝐈𝐧𝐝𝐢𝐚'𝐬 𝐄𝐧𝐭𝐞𝐫𝐩𝐫𝐞𝐧𝐞𝐮𝐫𝐢𝐚𝐥 𝐒𝐩𝐢𝐫𝐢𝐭 In 2022, I experimented with lending small amounts to small ventures across India through Rang De. I lent a few thousands to - Shivamurthy from Hassan, Karnatka for purchasing 3 cows and fodder, - Jai Kumar from Rohru, Himachal for buying supplies for his apple farm - Anjan Sarmah from Biswanath, Assam for procuring fish seeds - Gandimathi G from Namakkal, Tamil Nadu for her ambitious venture of mushroom cultivation - Pinki Devi from Mahendargarh, Haryana for adding more goats to her existing dairy business with 6 goats and so on ... Here are the findings from that experiment: 1. Indians (mango people - aam janta) across the length and breadth of this country are honest people. They don't run away, they work hard and they pay you back. Only 1.38% of the borrowed sum is marked as NPA. It is even lower than 2.8% NPA (as of March, 2024) of scheduled commercial banks of India. 2. These businesses are cash flow positive and profitable. Their business models are tried, tested and just need capital to scale. 28% of them were able to foreclose their loans earlier than they were due and pay 6.7% interest as well. 3. Easier access to affordable credit can spur economic mobility and reduce inequality in India while generating returns for investors. Note: These businesses / livelihoods are often crushed by local lenders who charge them as high as 20% which even most of us can't afford. Our loan helps them build a credit history which allows them to take loans from banks in the future. It is not charity or dole - This is Compassionate Capitalism. Smita Ram | Ramakrishna NK - More power to you! I am definitely going to quadruple down on my investments in real India.

Livelihood + Sustainability — two themes close to my heart. Recently, I had the pleasure of meeting Mr. Chandra, an inspiring e-auto driver. Thanks to Rang De, a social finance platform, he was able to access affordable credit and replace his diesel auto with a cleaner, more efficient e-auto from Racer Energy. The impact? ✅ Lower Capex of e-Auto & hence less EMI ✅ Doubling of daily income (Can now send both kids to school) ✅ Zero tailpipe emissions ✅ Reduced Physical exertion -- Driving an auto is much easier now This is what inclusive, sustainable progress looks like — when the right credit at the right time transforms not just livelihoods, but entire communities. Kudos to Rang De and Racer Energy for making this possible. You too can drive change - one family at a time by investing through Rang De. #Livelihoods #Sustainability #ImpactInvesting #SocialInnovation #CleanMobility #RangDe #EAuto #ClimateAction Prajwal Potluri Madhura DasGupta Sinha Abhishek Dhasmana

What is the right age to teach children financial literacy? Also if it comes with a layer of complexity will they understand what it means? I was explaining the concept of social investment to my son using the Rang De website and app, a while ago. The first time he saw it he asked me when I would reach a stage where I had made an investment in rural entrepreneurs in each state. The second time we spoke, he went through the profiles to understand the needs that the entrepreneurs were taking loans for. The third time it came up, he asked me - "Would you make an investment in someone I choose from the group of investees?" My response(surprised!) - "Yes sure, but you need to explain to me how you chose that rural investee". His immediate question was about how I was making my choices. I shared a few thoughts on that with him and he went about looking at the list, going through each detail. Finally he shared the below investee and wrapped up the whole discussion saying that he felt she deserved it. There are some things the schools will teach the children. But a lot of things we need to teach, as parents - that people and their dreams matter. And investing in that, is what creates meaning for us too. We find our life's purpose by contributing to someone else's purpose. Rang De Sukhada Chaudhary Ramakrishna NK #socialimpact #socialinvestment #socialentreprise #ruralentrepreneurship #womenentrepreneurs

India's rural entrepreneurs, farmers and artisans still struggle for access to affordable credit..I have invested in 5 rural entrepreneurs through Rang De , India’s first social peer to peer platform. its very fulfilling to know that I could help them to build sustainable livelihoods. Join me in boosting India’s rural entrepreneurship, while getting repaid with interest. Become a social investor today through. rangde.in #bharat #socialinvestor

𝐁𝐞 𝐚𝐧 𝐀𝐤𝐬𝐡𝐚𝐲𝐚 𝐏𝐚𝐭𝐫𝐚 𝐰𝐢𝐭𝐡 Rang De Today’s auspicious occasion of Akshaya Tritiya; a day celebrated for making new beginnings, making new investments, and buying precious metals like gold, owes its origins to the legend of the Pandavas, who, during their exile, shared whatever they gathered on that day. Impressed by their selflessness, Lord Krishna, on this day, bestowed upon them the Akshaya Patra-the inexhaustible vessel; which ensured they never ran out of food during their exile; the vessel symbolized the attainment of eternal prosperity. This story has always resonated with me: real prosperity lies not just in accumulating, but in sharing. This year, instead of adding gold to my portfolio, I chose to invest in something that echoes the spirit of the Akshaya Patra: hope and opportunity for others. As a social investor with Rang De, an RBI-regulated P2P lending platform, I am able to lend directly to rural entrepreneurs and small business owners across India, who are often excluded from traditional credit channels. These are hardworking individuals-farmers, artisans, and first-time entrepreneurs-whose dreams need just a little support to take flight. Through Rang De my investment doesn’t just generate returns; it helps someone start or grow their business, create jobs, and build a sustainable livelihood This year, I encourage my network to consider how we can all be vessels of abundance-not just for ourselves, but for the many who are still waiting for their opportunity. Wishing everyone an 𝐀𝐤𝐬𝐡𝐚𝐲𝐚 𝐓𝐫𝐢𝐭𝐢𝐲𝐚 filled with lasting prosperity and the joy of giving. 𝑷𝑺: 𝑰 𝒉𝒂𝒗𝒆 𝒅𝒐𝒏𝒆 𝒑𝒆𝒓𝒔𝒐𝒏𝒂𝒍 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕𝒔 𝒕𝒉𝒓𝒐𝒖𝒈𝒉 𝑹𝒂𝒏𝒈 𝑫𝒆 𝒑𝒍𝒂𝒕𝒇𝒐𝒓𝒎 𝒔𝒊𝒏𝒄𝒆 𝑶𝒄𝒕𝒐𝒃𝒆𝒓 2024. 𝑻𝒉𝒊𝒔 𝒊𝒔 𝒏𝒐𝒕 𝒑𝒓𝒐𝒎𝒐𝒕𝒊𝒐𝒏𝒂𝒍 𝒑𝒐𝒔𝒕 #SocialInvesting #AkshayaTritiya #RangDe #FinancialInclusion #ImpactInvesting Smita Ram Ramakrishna NK Sukhada Chaudhary

𝗪𝗵𝗮𝘁 𝗶𝗳 𝗰𝗿𝗲𝗱𝗶𝘁 𝘄𝗮𝘀𝗻’𝘁 𝗮 𝗯𝘂𝗿𝗱𝗲𝗻, 𝗯𝘂𝘁 𝗮 𝗯𝗿𝗶𝗱𝗴𝗲 𝘁𝗼 𝗱𝗶𝗴𝗻𝗶𝘁𝘆? In my journey working with 𝘄𝗲𝗮𝘃𝗲𝗿𝘀 𝗶𝗻 𝗕𝗵𝗮𝗴𝗮𝗹𝗽𝘂𝗿 – the 𝗦𝗶𝗹𝗸 𝗖𝗶𝘁𝘆 𝗼𝗳 𝗜𝗻𝗱𝗶𝗮 – I have seen firsthand how the 𝗹𝗮𝗰𝗸 𝗼𝗳 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗰𝗿𝗲𝗱𝗶𝘁 forces skilled artisans into daily-wage labour. Not because they lack talent. But because they lack 𝗱𝗶𝗴𝗻𝗶𝗳𝗶𝗲𝗱, 𝗮𝗰𝗰𝗲𝘀𝘀𝗶𝗯𝗹𝗲 𝗰𝗿𝗲𝗱𝗶𝘁 to purchase the required machineries. That’s why I find Rang De’𝘀 𝗺𝗼𝗱𝗲𝗹 𝗱𝗲𝗲𝗽𝗹𝘆 𝗶𝗻𝘀𝗽𝗶𝗿𝗶𝗻𝗴. At a time when most micro-credit options 𝗯𝘂𝗿𝗱𝗲𝗻 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀, carry exploitative interest rates and rigid terms, 𝗥𝗮𝗻𝗴 𝗗𝗲 𝗲𝗺𝗽𝗼𝘄𝗲𝗿𝘀 𝘁𝗵𝗲𝗺 𝘄𝗶𝘁𝗵 𝗱𝗶𝗴𝗻𝗶𝘁𝘆, 𝘁𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝗰𝘆, 𝗮𝗻𝗱 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 – back to the borrower. Their 𝗽𝗲𝗲𝗿-𝘁𝗼-𝗽𝗲𝗲𝗿 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝗺𝗼𝗱𝗲𝗹, powered by a 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗼𝗳 𝘀𝗼𝗰𝗶𝗮𝗹 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀, 𝗼𝗳𝗳𝗲𝗿𝘀 𝗺𝗮𝗿𝗴𝗶𝗻𝗮𝗹 𝗳𝗮𝗿𝗺𝗲𝗿𝘀, 𝗿𝘂𝗿𝗮𝗹 𝗲𝗻𝘁𝗿𝗲𝗽𝗿𝗲𝗻𝗲𝘂𝗿𝘀, 𝗮𝗻𝗱 𝗮𝗿𝘁𝗶𝘀𝗮𝗻𝘀 𝗹𝗼𝗮𝗻𝘀 𝗮𝘁 𝗮 𝘃𝗲𝗿𝘆 𝗺𝗶𝗻𝗶𝗺𝗮𝗹 𝗿𝗮𝘁𝗲 – and 𝘄𝗶𝘁𝗵 𝗳𝘂𝗹𝗹 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 𝗼𝘃𝗲𝗿 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘁𝗲𝗿𝗺𝘀. That blend of compassion + curation + community-driven lending is rare – and refreshing. It’s 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗳𝗼𝗿 𝗰𝗿𝗲𝗱𝗶𝘁’𝘀 𝘀𝗮𝗸𝗲 – and that’s the difference. For me, this isn’t just a fintech innovation. 𝗜𝘁’𝘀 𝗮 𝘀𝗼𝗰𝗶𝗮𝗹 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 – and must be studied, supported, and scaled. We need more such models where technology and compassion work hand in hand. 💡 Hats off to Ramakrishna NK and Smita Ram and a full team of Rang De for building something truly meaningful. I hope more ecosystem players take inspiration from your work. #SocialImpact #InclusiveFinance #FintechForGood #CommunityLending #CSRLeadership #MakingADifference

We at Niiti Consulting feel so honoured to take a few steps alongside the Rang De team in your journey to enable women at the grassroots to be financially resilient, own assets and exercise their agency. More power to you and your amazing partners in the field. I firmly believe this collective action to create local ecosystems for women to thrive is what will bring sustainable transformation!

Ramakrishna NK Rang De doing appreciable work. I hope these changes will make a chain of change where everyone try to help each other and grow together.

Smita Ram you people are doing great job. Submitting the following information for others who read this reply - Folks, I use Rakshabandhan and Bhai Dooj to donate to Rang De women entrepreneurs on behalf of all my sisters, instead of giving gifts to my sisters. My sisters don’t mind at all. Hope you follow my steps. I promise, your sisters, too, won’t mind. 🥰

In a world where most chase titles, profits, and the next big valuation, Rang De’s quiet focus on impact, purpose, and real change is deeply inspiring! 🙏

Affordable and hassle-free credit is crucial for smallholder farmers to gain the agency they need to avoid distress selling and purchase agri-inputs on time. For generations, farmers have relied on local moneylenders or Adatiyas for everything—from buying seeds to selling their produce—often trapping them in cycles of debt and vulnerability. By ensuring access to fair credit, we empower farmers to make independent financial decisions, ultimately strengthening the rural economy. Kudos to Rang De for addressing this critical challenge and working towards a more sustainable and dignified future for our farmers!

In 2021, Girish Shilamkar introduced me to Rang De, a peer-to-peer lending platform. After learning about social entrepreneurship and the success of Grameen Bank, my confidence in micro-financing grew, and I embarked on my social investing journey about eight months ago. I kicked off 2025 with a four-day Social Investing trip in Rajasthan, where I witnessed firsthand the transformative impact of social investments on people's lives. It was an eye-opening experience that reinforced my belief in the power of financial inclusion. I highly encourage you to explore Rang De and consider giving social investing a try! I'm sharing my experiences from the Social Impact trip in my blog—check it out, and feel free to ask me any questions. 😊 📖 Blog:

Join hands with Smita Ram and Ramakrishna NK to invest in creating sustainable livelihoods on India's trusted and RBI regulated social peer to peer lending platform #RangeDe. Make an impact!

Thank you Rang De for this mention. I have been following your work for last several years and was so happy to find a platform that enables social investors to reach the needy rural entrepreneurs to bridge their funding gaps at low interest rates and many of us were happy to do this in the initial phase with zero interest until RBI came with new rules…… Great job by Ramakrishna NK and Smita Ram for creating this wonderful platform…., Wishing you all good wishes as you grow this platform to reach more rural entrepreneurs….. Encourage Friends and contacts in my network to look at investing through this platform and create more livelihoods….,you can track your investments and get great reports….,, #Ruralentreprenuers #fundinggap #ruralfinance #livelihood

I started investing in farmers 1.5 years back through Rang De and it has been the most satisfying investment Kishor Nayar, PhD, PE

26th Jan is an annual milestone to connect with - for the nation and Rang De as well towards empowering marginal people for financial inclusion. That's how .... " DESH BADAL RAHA HAI " in reality.... Smita Ram

Congratulations to Rang De on this incredible milestone of 17 years! The work you are doing is truly inspiring and making a significant impact on the lives of so many Indians. Your dedication to empowering individuals and fostering self-reliance is commendable and sets a great example for other associations. Keep up the fantastic work and continue to share your updates with us. Keep rocking! Smita Ram have loved watching Rang de grow

A platform that is well-governed for social investment. Rang De, thank you for helping us achieve our social goals!! 🙏