When was MicroGraam founded?

MicroGraam was founded in 2009 and raised its 1st funding round 3 years after it was founded.

Where is MicroGraam located?

MicroGraam is headquartered in Bengaluru, India. It is registered at No. 370, 4th Cross J P Nagar III Phase, Bangalore, Bengaluru, Karnataka, India, 560078.

Which legal entities is MicroGraam associated with?

MicroGraam is associated with MICROGRAAM MARKETPLACE PRIVATE LIMITED and 1 other.

How many employees does MicroGraam have?

As of Sep 30, 2026, the latest employee count at MicroGraam is 4.

Is MicroGraam a funded company?

MicroGraam is a funded company, having raised a total of $859K across 4 funding rounds to date. The company's 1st funding round was a $***** Angel round, raised on Feb 16, 2012.

How much is MicroGraam worth?

The latest valuation of MicroGraam is $***** as of Mar 29, 2019. This marks a decline of 60% from its peak valuation of $2.38M in Feb, 2012. This marks a decline of 60% from its peak valuation of $2.38M in Feb, 2012.

When was the latest funding round of MicroGraam?

MicroGraam's latest funding was a $***** Seed round on Mar 29, 2019, with participation from 2 investors. Its primary sector is Digital Lending. In India, the Digital Lending sector has seen $1.59B in funding in 2026 to date.

What is the annual revenue of MicroGraam?

Annual revenue of MicroGraam is less than ₹10 Cr as on Mar 31, 2024

Where does MicroGraam rank among its competitors?

MicroGraam ranks 4th amongst 7 active competitors, of which 3 are funded. It stands 2nd in terms of total funding among its competitors. The most recent competitor to raise funding was Sub-K, which secured an undisclosed amount in Feb, 2023.

Who are the top competitors of MicroGraam?

MicroGraam's top competitors include Sub-K, Z2P and DailyPe. Among them, Sub-K secured the most recent funding round in February, 2023.

MicroGraam - 2026 Company Profile, Team, Funding, Competitors & Financials

Company Details

Microgram is a P2P lending platform for microloans. Lenders can browse through the profiles of borrowers and lend amount at a set interest rate return. Borrowers comprise of the rural population such as farmers and local store businesses. The lender will get quarterly repayments into the ‘My MicroGraam’ account.

Website: micrograam.com
Social
Email ID: *****@micrograam.com
Phone Number: +91 **********
Registered Address: No. 370, 4th Cross J P Nagar III Phase, Bangalore, Bengaluru, Karnataka, India, 560078

Key Metrics

Founded Year

2009

Location

Bengaluru, India

Stage

Seed

Total Funding

$859K in 4 rounds

Latest Funding Round

Seed, Mar 29, 2019, $*****

Post Money Valuation

$***** as on Mar 29, 2019

Investors

Artha Venture Challenge & 9 more

Ranked

4^th among 7 active competitors

Annual Revenue

0 - ₹10 Cr as on Mar 31, 2024

Employee Count

4 as on Sep 30, 2026

Similar Companies

KrediOne & 33 more

View MicroGraam's full profile

MicroGraam is associated with 2 legal entities given below:

Legal Entity Name	Date of Incorporation	Revenue	Latest Employee Count	Reports
MICROGRAAM SOCIAL DEVELOPMENT FOUNDATION CIN: U67190KA2010NPL056433 , India, Active	Dec 30, 2010	0 - ₹10 Cr (As on Mar 31, 2025)	-
MICROGRAAM MARKETPLACE PRIVATE LIMITED CIN: U67190KA2009PTC051638 , India, Strike off	Nov 26, 2009	0 - ₹10 Cr (As on Mar 31, 2024)	-

MicroGraam has raised a total funding of $859K over 4 rounds. Its first funding round was on Feb 16, 2012. Its latest funding round was a Seed round on Mar 29, 2019 for $*****. 2 investors participated in its latest round. MicroGraam has 5 institutional investors and 5 angel investors.

Here is the list of recent funding rounds of MicroGraam:

Filter this list

Date of Funding	Funding Amount	Round Name	Post-Money Valuation	Revenue Multiple	Lead Investors	Other Investors
Mar 29, 2019	5716678	Seed	1457476	2678420	4040462	1857679
Mar 28, 2018	5914480	Seed	5225885	4135784	2038720	Chandramouli Janakiraman & 5 more
Sep 04, 2013	6603661	Seed	7500136	4993102	Artha Venture Challenge	4507972

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View details of MicroGraam's funding rounds and investors

The founders of MicroGraam is Rangan Varadan.

Here are the details of MicroGraam's key team members:

Rangan Varadan: Co-Founder of MicroGraam and founder of 4 other companies, including BillionTech, BillionLoans and BeyondSquare. They are also an angel investor in 1 startup and serve on the boards of 3 companies.
Contact Info: 4 email addresses and 1 phone number

MicroGraam's Board of Directors

MicroGraam's board has 1 active member. Rangan Varadan is part of team.

Here is the list of MicroGraam's board of directors:

Name	Type	Representing	Status	Duration
Rangan Varadan	Team	-	Current	15y 7m
ecxomig	Team	-	Past	8y 2m
rdpqxqm	Team	-	Past	1y 4m

View details of MicroGraam's Founder profiles and Board Members

MicroGraam's employee count trend

MicroGraam has 4 employees as of Sep 26. Here is MicroGraam's employee count trend over the years:

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Top competitors of MicroGraam include Sub-K, Z2P and DailyPe. Here is the list of Top 10 competitors of MicroGraam, ranked by Tracxn score:

Rank	Company Details	Short Description	Total Funding	Investors	Tracxn Score
1st	Sub-K 2010, Hyderabad (India), Series C	Provider of digital financial services for underserved populations	$21.9M	Accion, Basix & 46 others	40/100
2nd	Z2P 2016, Hyderabad (India), Acquired	Micro-lending consumer financing company	$90.2K	-	40/100
3rd	DailyPe 2022, Surat (India), Seed	Online lending marketplace for business financing	$500K	Y Combinator	38/100
4th	MicroGraam 2009, Bengaluru (India), Seed	P2P lending platform for microloans	$859K	Manipal Group, Villgro & 8 others	30/100
5th	Robocash 2014, Mumbai (India), Deadpooled	Online micro loans platform	-	-	26/100
6th	Yaarope Ernakulam (India), Unfunded	Operator of a mobile platform for P2P lending and chit funds	-	-	24/100
7th	Svadhan 2022, Kochi (India), Funding Raised	Developer of a microfinance marketplace app connecting lenders and microfinance customers	-	Kerala Startup Mission	22/100
8th	WeCareIndia 2011, Gulbarga (India), Unfunded	P2P marketplace for microloans	-	-	16/100
9th	Credexy 2018, Noida (India), Deadpooled	Microcredit platform for low-income groups and entrepreneurs	-	-	16/100
10th	Microfinance Bazaar 2022, Varanasi (India), Deadpooled	AI and SaaS-based P2P lending platforms for consumers	-	-	15/100

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MICROGRAAM MARKETPLACE PRIVATE LIMITED, the legal entity associated with MicroGraam, generated less than ₹10 Cr in revenue for the financial year ending on Mar 31, 2024. The revenue of MICROGRAAM MARKETPLACE PRIVATE LIMITED has a compounded annual growth rate (CAGR) of -7% in the last 1 year.

Financial Statement Summary

Metrics	FY 2023-24	FY 2022-23	FY 2021-22	FY 2020-21	FY 2019-20
Income Statement
Revenue	4653	2332	3979	2429	2940
Total Sales	2495	8291	7503	4155	2037
Total Expenses	6656	7750	6757	5890	6312
Operating Expenses	7243	2162	8948	4955	8428
Employee Expenses	9986	8126	5749	8925	3876
Operating Income (EBIT)	3963	8279	4105	3238	4609
Interest Expenses	9590	9089	3454	4410	1759
Expenses from other activities	7696	5143	7606	7005	9411
EBITDA	4922	9026	9778	7998	1030
Taxes	1534	2395	2369	4114	8372
Net Profit	4062	5150	4631	6339	6164
Balance Sheet
Assets	7896	9299	8489	8942	6138
Accounts Receivables	1084	8491	9515	8312	3532
Inventory	1207	9635	8147	5619	1902
Liabilities	3640	3097	7977	1762	5538
Total Debt	8861	9914	5118	8329	2765
Accounts Payable	7500	1084	1706	9716	3546
Equities	3327	5121	3884	1658	5850

Detailed Financials (Income Statement, Balance Sheet, Cashflow Statement)

Founders own 28.81%, Funds own 10.36%, Enterprises own 22.13% and Angels (largest shareholder) own 38.68%. The net worth of MicroGraam's founders is INR 1.94Cr as of Mar 29, 2019. The cap table displayed below is for MICROGRAAM MARKETPLACE PRIVATE LIMITED which is the legal entity associated with MicroGraam.

Shareholders Name	Post Round Holding %	Net worth	Cumulative Investment	Realised Returns	Unrealised Returns	Return Multiple
Founder	28.81%	1.94Cr	9937309	6151237	1632318	8884095
Rangan Varadan	8088941	2180362	6247565	7600306	8356709	9083286
Fund	10.36%	70L	4842740	7261677	6154847	5649279
Manipal Group	622	141	761	356	358	974
Enterprise	22.13%	1.49Cr	5452144	9618512	5992123	6877749
Angel	38.68%	2.61Cr	3405224	8098340	2258925	2040558
P Balasubramanian	7228259	1022807	4298548	2096304	8832870	4257691
Venkatraman Balakrishnan	8748141	4390840	5846800	5402362	3967775	2980659
Chandramouli Janakiraman	321	638	174	882	222	540
Total	99.98%	6.75Cr	3175886	8221980	4372614	3322165