Investor Presentaiton
ESG Targets
Environmental
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Company will be carbon neutral by FY32
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Leverage on technology
Share of e-home loan applications: 55% by FY27
and 75% by FY32
Service requests through digital medium: 50% by
FY27 and 80% by FY32
Reduce environmental footprint
Reduction in scope 1 and 2* GHG emissions: 25%
by FY27, 30% by FY32
Reduction in scope 3^ GHG emissions: 25% by
FY27, 35% by FY32
Recycle over 90% of all waste in tier-1 cities by
end of FY27
LED lighting in 100% of offices by FY23
Renewable powered offices to be 10% of all
offices by FY27
Plant 1 lakh trees by FY27 and 2.5 lakh trees by
FY32
"No Single use plastic" policy
Responsible lending
Lending rate discount for customers who have a
positive environment and social impact
Exclude lending to customers who do not match
ESR framework of the company
*Our Scope 1 and 2 emissions include emissions from fuel
consumption in own vehicles, emissions due to fuel use in DG sets and
purchased electricity.
"Our Scope 3 emissions include business travel, employee commute,
paper, waste.
The above targets have been taken considering FY 19 as the base year
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Social
Employee welfare and experience
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Gender diversity: 30% to be women managerial
staff by FY27 and 40% by FY32^
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Employee First: 40% managerial job openings to
be internally filled
Work from home: 25% by FY27 & 35% by FY32
Training: from 22 hours per person in FY19 to 40
hours per person by FY25 and 60 hours per
person by FY32
Financial inclusion and customer first
Financial inclusion: Focus on affordable housing
and business loans to micro, small and medium
enterprises. By FY27, 75% retail lending to be
affordable housing and priority sector loans.
Phygital Strategy: Add 50 branches in Tier 1 and
2 cities operating on digital + physical model by
end of FY 22 and 100 by FY25
95% of the complaints received to be resolved
within the regulatory prescribed TAT
Drive customer satisfaction* to 95% by FY25
Community Service (CSR)
Continue investments towards: women
empowerment, education and bridging the gap
to basic human rights needs
^ Computed by removing Sales and Collections FOS (Feet-on-Street
staff)
* Surveys conducted covering all customers who are on-boarded
covering satisfaction around various parameters
Indiabulls
HOUSING FINANCE
Governance
Focus on Governance practices meeting
the highest ethical standards,
transparency and accountability
Adopt leading data privacy standards and
focus on best in class information security
practices
All ESG initiatives and achievements to be
overseen by the Board on a bi-annual
basis
Part of the management remuneration to
be linked to achievement of ESG targetsView entire presentation