✅ How to Start Social Investing with Sharan Micro Finance

Step 1: Choose Your Investment Option

At Sharan Micro Finance, we offer flexible and customizable social investment models to align with your financial goals and social values. Whether you’re an individual investor, part of a corporate CSR initiative, or a family office looking for ESG-aligned investments, you can choose from:

• Fixed Impact Deposits (with assured returns over a set tenure)

• Debt-Based Instruments (earn interest on capital deployed in microloans)

• CSR-Aligned Contributions (non-returnable funds aligned with SDG outcomes)

• NRI-Compliant Investment Plans (FEMA-aligned structures)

Our investment advisors will help you select the model best suited to your risk appetite, preferred return window, and impact interest areas (e.g., women in agriculture, artisans, micro-retailers).

Step 2: Due Diligence & Onboarding

We maintain a transparent and compliant onboarding process. Once your interest is confirmed:

• Our team provides detailed investment documentation, including company credentials, Section-8 registration, RBI adherence (if applicable), and microloan deployment strategy.

• You receive risk disclosures, expected ROI range, social impact framework, and FAQ guides.

• You sign a simple investor agreement or CSR MoU, outlining the investment value, tenure, reporting terms, and withdrawal conditions.

This ensures legal clarity and peace of mind before deployment.

Step 3: Capital Deployment to High-Impact Borrowers

Your funds are directly deployed into vetted, income-generating microenterprises run by underbanked women from rural and semi-urban India. These women are part of Joint Liability Groups (JLGs) or Self-Help Groups (SHGs) and have completed borrower training.

Sharan uses robust criteria to ensure credit-worthiness and alignment with livelihood sectors such as:

• Tailoring & embroidery

• Dairy and livestock

• Food vending and tiffin services

• Small grocery or vegetable stalls

• Home-based crafts and micro retail

Each loan is disbursed digitally or via secure field channels with proper documentation and borrower profiling.

Step 4: Track Your Impact in Real Time

As a socially responsible investor, you get access to regular performance and impact reports, including:

• Portfolio Updates – number of borrowers funded, repayment cycles, capital in use

• Impact Metrics – increase in borrower income, job creation, education support

• Visual Stories – case studies, testimonials, before/after scenarios

We share quarterly updates and, for CSR or institutional partners, offer customized dashboards for ESG and SDG alignment tracking.

Step 5: Receive Returns or Reinvest

Based on your chosen model, you’ll start receiving:

• Periodic Interest Payouts (monthly, quarterly, or annually)

• Principal Repayment at end of tenure (for fixed-term plans)

You have the flexibility to:

• Withdraw your earnings,

• Or reinvest the capital to multiply your social and financial impact.

Many of our investors choose to roll over their returns into fresh microloan cycles, amplifying long-term community development and legacy impact.