Invest in Sahaja Aharam Farmers Fund

“The Sahaja Aharam Farmer’s Fund” serves as an investment opportunity targeting small and marginal organic farmers in Telangana, Andhra Pradesh, and Maharashtra.

Throughout the crop production cycle, farmers necessitate credit to secure various inputs including seeds, bioinputs, farm tools, and logistical support. This funding is essential at different stages of crop growth. Due to limited access to institutional credit featuring interest subvention, farmers often resort to borrowing at high interest rates from private money lenders or input dealers. This predicament leads to constrained sales options, hindering their access to better markets. Timely and affordable credit plays a pivotal role in assisting tenant farmers to sustain their agricultural endeavors.

With harvest time looming, farmers frequently find themselves in distressing situations as they require immediate capital for the upcoming season. Preventing tied-up sales and distress transactions is possible solely through access to affordable capital.

The Sahaja Aharam Producer Company (SAPCO), a union of 60 Farmers Producer Organizations (FPOs) spanning Andhra Pradesh, Telangana, and Maharashtra, has been established under the auspices of the Centre for Sustainable Agriculture (CSA). SAPCO is dedicated to providing extension services and business development support to FPOs. CSA engages directly with 65 FPOs across these three states and extends support to numerous FPOs across India.

The Sahaja Aharam fund serves as a lifeline for farmers, offering them credit to acquire essential inputs, support their livelihoods, nurture small rural enterprises, access markets, and develop infrastructure. FPOs consolidate produce from diverse farmers, store it, and facilitate sales to appropriate buyers and retailers. This process involves varying levels of value addition to ensure optimal price realization. All activities are meticulously managed with transparency and traceability at the forefront.

Investing in this fund translates to a substantial 25-50% increase in farmers’ incomes, with particular emphasis on benefiting small and marginal farmers, youth, and women.”

About the Impact Partner Organization:

Centre for Sustainable Agriculture (CSA) is a professional impact organization engaged in establishing models of sustainable agriculture across India. The motto is caring for those who feed the nation. We work across the agri-value chain i.e., production, inputs, FPOs, organic certification, food processing, marketing and taking the best learnings for policy implementation. In this process, we keep the focus farmer centric where the capacities of the farmers are built to help themselves. We work in partnership with governments, corporate entities, Non-Governmental Organizations (NGOs)s and Community Based Organizations (CBOs). CSA is directly working with 63 FPOs in AP, Telangana and Maharashtra. CSA is working as a Resource Supporting Agency for NABARD, SFAC and NCDC in both Andhra Pradesh and Telangana states. Sahaja Aharam Producer Company is a federation of farmer producer organisations promoted and supported by CSA. Under the brand of Sahaja Aharam certified organic products are marketed directly from farmers/FPOs. CSA is formed in 2004 under Indian Trusts Act 1882 and has FC registration number 010230731.

CSA envisions to become national institution to lead the transition of Indian agriculture to become ecologically and economically sustainable.

  • Conducting research on agroecological farming methods and their impact
  • Assisting farmers and consumers in successfully transitioning to organic
  • Building vibrant rural enterprises and producer organisations
  • Enhance the last mile delivery of support services, and
  • Improve the governance of public policy systems

Frequently Asked Questions

What is Rang De’s mission?

Rang De is on a mission to revolutionize credit access and enable financial inclusion for every individual in India. We are focused on providing affordable and timely credit access to unbanked individuals in the country. To know more about us, visit

What is unique about Rang De?

Rang De is India’s pioneering and only peer to peer lending platform focused on providing timely and affordable credit to unbanked communities.

Is Rang De a crowdfunding platform?

Rang De is not a crowdfunding platform. Rang De is an RBI regulated peer to peer lending platform. Individuals lend money towards livelihood and education needs of communities. Individuals who receive the loans repay it as per a predefined repayment schedule. This can be either withdrawn or reinvested.

A crowdfunding platform on the other hand primarily raises donations and enables users to do the same for specific causes. Crowdfunding of donations is unregulated and does not come under the purview of any regulator.

Is Rang De an NGO?

No, Rang De is not an NGO. Rang De is an RBI regulated NBFC P2P platform.

How does Rang De sustain itself?

Rang De has adopted a platform as a service business model. We earn our revenues through platform access fees paid by our impact partners. The impact partners pay a one time setup fee at the time of their onboarding and an annual recurring fee. The impact partners pay this fee to gain access to Rang De’s regulated credit platform for their communities. To know more about our impact partners, check

Is Rang De regulated by RBI?

Yes, Rang De is regulated by RBI.

How is Rang De different from existing P2P platforms?

Rang De provides credit access at the lowest rate, along with flexibility for the investees to choose exactly when and how much they want to borrow.


Have more questions?

How does the Rang De model work?

Social investors invest in an investee or fund of their choice. Each social investor invests an amount of their choice, starting with Rs. 100. Once a loan is fully funded through these investments, the funds are transferred directly to the investee’s bank account. The investee repays the loan according to a repayment schedule, and the social investors receive these repayments in the form of Rang De credit in their dashboard. This credit can be reinvested or withdrawn to the social investor’s bank account.

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How does Rang De curate investees?

Rang De works with a network of impact partners across the country. These organizations identify individuals who need credit within the communities they work with. To know more about our impact partners, visit

Who are Impact Partners? What do they do?

Impact partners are credible organizations across the country that work with underserved communities. They empower these communities through entrepreneurship training, capacity building, providing access to markets, and more. Their partnership with Rang De augments their work by providing credit access to these communities. To know more about our impact partners, visit

How do I make an investment?

You can make an investment in 3 simple steps:

  1. Choose an investee or fund to invest in
  2. Enter an amount to invest
  3. Make the payment

You can find all investees and funds on

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What are the payment options to make an investment?

You can pay using debit card, net banking, UPI, or any wallet such as Amazon Pay, Mobikwik, Phone Pe, etc.

You can also make a payment using a credit card. However, this cannot be done directly- you have to use your credit card through any of your existing wallets such as Amazon Pay, Mobikwik, Phone Pe, etc.

What is the minimum investment I can make?

You can invest as little as Rs.100 on Rang De.

What is the maximum investment I can make?

You can invest upto Rs.50,000 in an individual investee. You can invest a total of upto Rs.50,00,000 across different investees or funds on the platform.

Where can I track my investments and repayments?

You can track all your investment and portfolio related details through your dashboard.

What is KYC? Why is it needed?

KYC (Know Your Customer) is the mandatory process of verifying your identity. RBI prohibits us to disburse your investment to any investee unless your KYC is complete. This helps us ensure that only verified social investors use our platform.

I can see many loans that are partly funded. Will all of them get fully funded?

Rang De ensures that 100% loans listed on the platform get fully funded. The loans are prioritized according to the urgency of the credit requirement of the investee.

How can I withdraw my money?

You can withdraw your money from your dashboard. to any Indian bank account. The money will be transferred to your bank account within 1 day. There are no extra charges for this process.

Do I receive a formal loan agreement for the investment made on Rang De?

Yes, you will receive a loan agreement for each of your investments. You may download the copy from your dashboard. View a sample copy of the loan agreement here.

How does Rang De ensure that I get my money back?

Rang De works with a set of credible and ethical community organizations or social enterprises called impact partners. These organizations identify communities engaged in sustainable livelihoods, but do not have access to institutional credit. They mentor these communities in effectively utilizing and repaying this credit, leading to an excellent repayment rate on Rang De. However, as per RBI regulations, we cannot guarantee any repayments on the platform. To know more about our repayment statistics, visit

How much interest will I earn if I invest?

You can earn upto 10% flat per annum through your investments. Your returns vary across different investees and funds that you invest in- these are visible upfront in the investee or fund details before and during investment.

Are investments on the Rang De platform taxable?

Yes, the interest earned on investments made on Rang De are taxable in the year of receipt.

Rang De does not deduct any tax at source since the loans are on a peer to peer basis. We provide an interest certificate at the end of each financial year, which will help you assess your tax liability. We recommend that you consult your tax advisor to assess your tax liability.

Can I invest as an NRI or OCI card holder?

Yes, we accept investments from NRIs and OCI card holders. The investments must be made in Indian currency through an Indian bank account.

What are the KYC requirements for NRIs and OCI card holders?

You are required to either submit your Aadhaar card if you have one, or your PAN card along with a valid address proof (passport or OCI card)

What are the payment options for NRIs and OCI card holders?

We accept payments in Indian currency from Non Resident Rupee accounts maintained with Banks in India. RBI regulations do not permit us to accept payments from overseas Bank accounts or international cards issued overseas.

If I am a NRI, how can I invest through Rang De?

NRIs can invest through Rang De by signing up and completing their eKYC process. You will need your PAN and Indian address proof for the eKYC process.

How can I invest through Rang De as an OCI card holder?

If you have an OCI card, you will need your PAN card, your OCI card, and your current residential address proof to complete your eKYC process. After this, you can start investing.

What is the difference between a NRI and OCI card holder? How can I know the correct category as an investor?

A NRI or Non-Resident Indian is someone who is residing outside India and is an Indian citizen. This is usually an individual who has gone abroad for employment or business purposes. If you are an Indian citizen intending to stay outside India for an undefined period of time, you are a NRI.

An OCI card holder is a foreign national of Indian origin who has registered as an Overseas Citizen of India (OCI) under Section 7A of the Citizenship Act, 1955. The OCI card was introduced in 2005 and OCI card holders can live and work in India for an indefinite period.

What are the tax implications for NRIs and OCI card holders?

For NRIs, income earned through investments in India is taxable in India. For OCI card holders, his/her global income is taxable subject to the conditions of DTAA (Double Tax Avoidance Agreement).

What is the difference between social investing as a NRI and an OCI card holder?

Only the documents required in the eKYC process are different. While NRIs need their PAN and Indian address proof, OCI card holders will need their OCI card, their PAN, and their current residential proof to complete this process and start investing.

I am a foreign national. Can I invest on Rang De?

No. As per the RBI (Reserve Bank of India) guidelines, only Resident Indians, Non-Resident Indians, and Overseas Citizens of India/Persons of Indian Origin having valid KYC documents and Indian bank accounts can invest on Rang De.

Can I invest in foreign currency?

No. According to the guidelines set by the Reserve Bank of India (RBI), investing in foreign currencies is not permissible on our platform.

Do I need an Indian bank account to invest?

Yes. You are required to have an Indian bank account. A NRI or OCI requires a NRO (Non-Resident Ordinary) account to invest on our platform.

What is a NRO bank account?

A NRO (Non-Resident Ordinary) bank account is a type of bank account that allows NRIs and OCIs to manage their income earned in India. This account is typically used to hold and manage income generated from sources within India, such as rental income, dividends, pensions, etc.