About MicroGraam
MicroGraam is a Financial Services company based in Bengaluru (India) founded in 2009. It operates as a microloans are facilitated via a P2P platform for rural borrowers. MicroGraam has raised $859.22 thousand across 4 funding rounds from investors including Manipal Group, Axilor Ventures and Venkatraman Balakrishnan. MicroGraam was last valued at $971.86 thousand in March 2019. Its focus areas include FinTech, Alternative Lending, Online Lenders and Consumer Loans. Its competitors include Z2P, DailyPe, p2p Microfinance, Svadhan and Kiara Microcredit and 3 more; 2 of its 8 listed competitors have raised funding.
Company details
MicroGraam was established in 2009 in Bengaluru, India, as a peer-to-peer lending platform focused on microloans. Borrowers from rural areas, including farmers and local store owners, are matched with lenders through borrower profiles. Amounts are lent by lenders at predetermined interest rates, with quarterly repayments directed to My MicroGraam accounts. Operations center on financial access for underserved communities in the microfinance sector.
- Headquarters Bengaluru, India
- SectorsFinancial Services
- Email••••••••
- Phone•••• ••••
- Website micrograam.com
- Social LinkedIn X Facebook
- Annual Revenue$11.87 K (USD)-29as on Mar 31, 2021
- Net Profit-$23.31 K (USD)64as on Mar 31, 2021
- EBITDA-$22.81 K (USD)64as on Mar 31, 2021
- Total Equity Funding$859.22K (USD)
in 4 rounds
- Latest Funding Round$57.75K (USD), Seed
Mar 2019
- InvestorsManipal Group
& 9 more
Associated legal entities of MicroGraam
MicroGraam is associated with 2 registered companies on The Company Check. Each company page carries the filings, financials, charges and directors of that entity.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Micrograam Social Development Foundation CIN U67190KA2010NPL056433 | Active | 30 Dec 2010 | Bangalore, Karnataka | ₹0.3 Cr | – | 2 | View details |
| Micrograam Marketplace Private Limited CIN U67190KA2009PTC051638 | Strike Off | 26 Nov 2009 | Bengaluru, Karnataka | ₹0.1 Cr | – | 3 | View details |
Funding Insights of MicroGraam
MicroGraam has successfully raised a total of $859.22K across 4 strategic funding rounds. The most recent funding activity was a Seed round of $57.75 thousand completed in March 2019. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $859,215
- Total Rounds 4
- Last Round Seed — $57,748
- First Round $402,144
(Feb 2012)
- Investors Count 10
All 4 funding rounds of MicroGraam with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Mar 2019 | $57,748 | Seed | $971,858 | Manipal Group | |
| Mar 2018 | $362,472 | Seed | $973,874 | Venkatraman Balakrishnan | |
| Sep 2013 | $36,851 | Seed | – | Artha Venture Challenge | – |
| Feb 2012 | $402,144 | Angel Round | $••••• | P Balasubramanian | – |
| Date | Valuation | Stage |
|---|---|---|
| Feb 2012 | $2.39M | •••••••• |
Last known valuation $971,858 (Mar 2019). 10 investors in total: 5 institutional and 5 angel.
Investors in MicroGraam
MicroGraam has secured backing from 10 investors, including angel, institutional, and venture fund investors. Prominent investors backing the company include Manipal Group, Axilor Ventures and Venkatraman Balakrishnan.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Angel investor network for businesses | – | 72degrees.co.in | Bengaluru, India | |
Venture capital firm investing in early-stage startups in technology sectors. | 2014 | axilor.com | Bengaluru, India | |
Sector agnostic startup incubator | – | arthaventurechallenge.com | Zurich, Switzerland | |
Education, healthcare, insurance, and research services are provided globally. | 1993 | manipalgroup.com | Bengaluru, India | |
Tech startups are supported via VC-backed acceleration programs. | – | axilor.com/accelerator | Bengaluru, India | |
VB Venkatraman Balakrishnan | - | – | unknown_035fd764d22340c7b | - |
CJ Chandramouli Janakiraman | - | – | unknown_94edfb1dfa27444eb | - |
AM Abhay Madhukar Kulkarni | - | – | unknown_bf7db33461374125b | - |
PB P Balasubramanian | - | – | unknown_82c5a64997c148b98 | - |
RV Rangan Varadan | Founder of Billionloans, angel investor, ex-banker with focus on fintech | – | unknown_af6b7a97f5694593a | - |
Investor details for MicroGraam
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
Board of directors of MicroGraam
The boards of the 2 registered companies of MicroGraam currently have 4 directors; the longest-serving is Vijayalakshmi Sampath, appointed in 2010. 2 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Vijayalakshmi Sampath DIN 02714011 | Director | 30 Dec 2010 | 15 yrs 9 mo | Micrograam Social Development Foundation |
| Rangan Varadan DIN 02806823 | Director | 30 Dec 2010 | 15 yrs 9 mo | Micrograam Social Development Foundation, Micrograam Marketplace Private Limited |
| Balakrishnan Venkatraman DIN 02825465 | Director | 01 Apr 2013 | 13 yrs 6 mo | Micrograam Marketplace Private Limited |
| Bala Subramanian Parasuram DIN 00597834 | Director | 01 Apr 2013 | 13 yrs 6 mo | Micrograam Marketplace Private Limited |
Financials of MicroGraam
Figures of Micrograam Social Development Foundation, the primary company behind MicroGraam, for FY 2025. Revenue was ₹26.1 Lakh (+1020% year on year). Net profit was ₹20.9 Lakh (80% margin). EBITDA was ₹25.1 Lakh (96% margin). Revenue has grown at a compounded annual rate of +117% over three years and +7% over five years.
- ₹26.1 LakhRevenue · FY 2025 · +1020% YoY
- ₹20.9 LakhNet profit · 80% margin
- ₹25.1 LakhEBITDA · 96% margin
- ₹1 LakhPaid-up capital
- +117%Revenue CAGR, 3 years
- +7%Revenue CAGR, 5 years
Balance sheet, profit and loss, cash flow and ratios of Micrograam Social Development Foundation are on its company page.
Detailed financial statements for MicroGraam
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
- Statement rows
- Financial ratios
- Five-year trends
- Downloads
Verified entity values are shown only after access is granted.
Timeline of MicroGraam
4 dated milestones of MicroGraam across 10 years, from founding to its latest funding, stage changes and deals.
- Founded MicroGraam is founded.
- Funding First funding round of $402K.
- Milestone Reaches Minicorn status.
- Funding Latest funding round, Seed, of $58K.
Competitors of MicroGraam
MicroGraam has 8 listed competitors in our database, 2 of them funded. They include Z2P, DailyPe, p2p Microfinance, Svadhan and Kiara Microcredit, among others.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| z2p.biz | 2016 | Hyderabad, India | $90,233 | – | Microloans are facilitated via a P2P lending platform for consumers. | |
| dailype.in | 2022 | Surat, India | $125,000 | 12 | Online lending marketplace for business financing | |
| p2pmicrofin.org | 2010 | Pilani, India | – | 32 | Operates a peer-to-peer microfinance platform. | |
| svadhan.com | 2022 | Kochi, India | – | – | Developer of a microfinance marketplace app connecting lenders and microfinance customers | |
| kiaramicrocreditweb.com | 2016 | Madurai, India | – | 163 | Operates an online platform offering micro loans to individuals. | |
| wecareindia.org | 2011 | Gulbarga, India | – | – | Operates as a P2P marketplace for microloans. | |
| vizzve.com | 2015 | Bengaluru, India | – | – | Operates an online lending platform offering microloans. | |
| microfinancebazaar.com | 2022 | Varanasi, India | – | – | An AI and SaaS-based P2P lending platform for consumers. |
Detailed competitors of MicroGraam
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
- Competitive positioning
Verified entity values are shown only after access is granted.
Top companies in Alternative Lending
10 companies that operate in the same segment as MicroGraam (Alternative Lending), ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Payment acceptance and processing solutions provider for businesses | 2018 | Gurugram, Haryana, India | USD 589.25 M | USD 179.52 M | 3,670 | |
A peer-to-peer marketplace for business loans is operated and developed. | 2010 | London, England, United Kingdom | USD 372.67 M | USD 299.61 M | 860 | |
Diversified loans are provided via an AI-enabled online marketplace. | 2012 | Palo Alto, California, United States | USD 128.65 M | USD 1.04 B | 1,190 | |
Various consumer loans and financial services are offered online. | 2011 | San Francisco, California, United States | USD 3.04 B | USD 4.77 B | 6,843 | |
Technology platform for real estate transactions and mortgages is provided. | 2014 | Gurugram, Haryana, India | USD 97.98 M | USD 28.9 M | 9,619 | |
Purchase financing solutions are offered to businesses via installment payments. | 2019 | Dubai, Dubai, United Arab Emirates | USD 837 M | – | 4,683 | |
Financial services are provided, specializing in personal and business loans. | 2016 | Mumbai, Maharashtra, India | USD 320.39 M | USD 106.45 M | 2,161 | |
Credit score checking and comparison platform for financial products | 2007 | San Francisco, California, United States | USD 869.77 M | – | 1,487 | |
Financial benefits platform for on-demand pay is provided to employees. | 2018 | London, England, United Kingdom | USD 133.02 M | – | – | |
Payflow is recognized as a financial wellness application for employees. | 2020 | Alcobendas, Comunidad De Madrid, Spain | USD 58.23 M | – | – |
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Frequently Asked Questions about MicroGraam
MicroGraam was founded in 2009 and raised its 1st funding round 3 years after it was founded.
MicroGraam is headquartered in Bengaluru, India. It is registered at Bengaluru, Karnataka, India.
MicroGraam is a funded company, having raised a total of $859.22K across 4 funding rounds to date. The company's 1st funding round was a Angel Round of $402.14K, raised on Feb 2012.
Annual revenue of MicroGraam is $11.87K as on Mar 31, 2021.
MicroGraam was established in 2009 in Bengaluru, India, as a peer-to-peer lending platform focused on microloans. Borrowers from rural areas, including farmers and local store owners, are matched with lenders through borrower profiles. Amounts are lent by lenders at predetermined interest rates, with quarterly repayments directed to My MicroGraam accounts. Operations center on financial access for underserved communities in the microfinance sector.
MicroGraam has 10 investors. Key investors include Manipal Group, Axilor Ventures, Venkatraman Balakrishnan, Chandramouli Janakiraman, and 72 Degrees.
The valuation of MicroGraam is $971.86K as of Mar 2019.
MicroGraam is associated with 2 legal entities: Micrograam Social Development Foundation, Micrograam Marketplace Private Limited.
The legal entities of MicroGraam currently have 4 directors, including Vijayalakshmi Sampath, Rangan Varadan, Balakrishnan Venkatraman and others.