MicroGraam is an online platform that enables social investors to lend funds to rural farmers, micro-entrepreneurs and students.
MicroGraam acts as a bridge for lenders to connect with rural borrowers and uplift them through gainful employment. MicroGraam partners with grassroots level organizations to identify and reach out to low-income borrowers in rural areas in Karnataka, Tamil Nadu, West Bengal, Jharkhand, and Assam. MicroGraam is able to lower the cost of microcredit by crowd-sourcing for funds through online platform and obtain loans from socially conscious investors. Social investors are able to avail up to an 8% interest return and a principle guarantee.