Rang De DPIIT-recognised startup
Rang De: Business Model Canvas
The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.
Value Propositions
Rang De is dedicated to providing affordable and timely credit to unbanked communities, including farmers, artisans, and entrepreneurs.
sourceSocial investors can lend starting from as little as INR 500, and Rang De does not charge fees from investors.
sourceRouting credit through individuals who aren't focused only on financial returns, but on creating tangible impact on the ground, lowers the cost of credit for borrowers.
sourceCustomer Segments
Farmers, artisans, vendors and micro-entrepreneurs shut out of formal bank credit; over 93% of Rang De's borrowers are women.
sourceAbout 70% of the people funded through the platform are first-time borrowers.
sourceRetail individuals who lend directly to borrowers via the platform for both financial return and social impact.
sourceCustomer Relationships
Impact partners have a track record of working with local communities, anchoring borrower trust and repayment discipline for the platform.
sourcePlatform offers a buyback guarantee, public statistics, a secondary market and auto-invest options for social investors.
sourceChannels
Individual investors sign up and lend directly to borrowers through Rang De's website/technology-based platform; payment via debit card, net banking, UPI or wallets.
sourceGround-level impact partner organisations with a track record of working with local communities source and vet borrowers for the platform.
sourceKey Activities
Community-level evaluation of borrowers by impact partner NGOs/microfinance organisations before loans are listed.
sourceLaunched the Swabhimaan initiative in Kolar district in 2017, offering financial literacy and customised credit using digital tools.
sourceKey Resources
Key Partnerships
Approximately 16 field partners / impact organisations across India that identify communities engaged in sustainable livelihoods without access to institutional credit.
sourceCited as supporters of Rang De.
sourceRevenue Streams
Non-profit partner (impact) organisations pay Rang De a one-time setup fee of about Rs 2.4 lakh plus an annual recurring fee of about Rs 1.2 lakh; for-profit enterprises pay double. Rang De may also take a percentage of the interest charged, depending on the borrowing community.
sourceCost Structure
FAQs on Rang De
What is Rang De's business model?
Rang De's core value proposition centers on Affordable, timely credit for the unbanked, Zero-fee, low-minimum social investing, Lower cost of credit via individual lenders.
How does Rang De make money?
Rang De's cited revenue streams include Setup and recurring fees from partner organisations.