Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — ESG Presentation (October 2025)
29 slides from Cholamandalam Investment And Finance's sustainability presentation, October 2025
Slide 1: ESG Presentation Oct'25 – Dec'25
ESG PRESENTATION OCT’25 – DEC‘25 1
Slide 2: Contents
Contents ESG at Chola Responsible Product & Process ESG Governance Structure Improving Efficiency Policies aligned with SDG Internal Awareness campaign ESG Rating and Ranking Sustainability Achievements Environmental Consciousness Risk Culture People Power 2
Slide 3: Environmental, Social & Governance (ESG) at Chola
Environmental, Social & Governance (ESG) at Chola ESG Framework at Chola: This framework guides us to reinforce principles of ESG in all aspects of the company’s businesses and focus its efforts on responsible products, improving efficiency, people power and environmental consciousness aligned with
Slide 4: ESG Governance Structure
ESG Governance Structure Board – The final authority for all the major policy and sustainability reports Board related to ESG CSR Committee – This Committee comprises Chairman, an independent CSR Committee Director and a non-executive Director to support and advise Board on the company’s policies, s
Slide 5: Policies aligned with SDG
Policies aligned with SDG Complied SDG Sl. N Chola Policies (Yes/No) 1 Appointment of Statutory Auditors Yes SDG 8 2 Board Diversity Policy Yes SDG 5 Board Policy on Resolution of Advances For Covid-19-Related 3 Stressed Accounts Yes SDG 5 & 8 4 Business Responsibility Policy Yes SDG 3, 4, 5, 8, 10,
Slide 6: Policies aligned with SDG
Policies aligned with SDG Complied (Yes/No) SDG Sl. N Chola Policies 17 Maternity & Paternity leave policy Yes SDG 3 18 Murugappa Equal Opportunity Policy Yes SDG 5 & 10 19 Policy For Claiming Unclaimed Interest or Principal on Non-Convertible Securities Yes SDG 8 20 Policy on Co-Lending Yes SDG 8 2
Slide 7: Chola ESG Rating and Ranking
Chola ESG Rating and Ranking Sustainalytics Crisil S & P Global lower rank indicates lower risk higher score indicates lower risks higher score indicates lower risks 30 64 40 63 63 34 24.7 24.1 63 35 25 30 21.6 62 30 20 24 25 61 15 60 60 20 60 15 10 59 10 58 5 5 57 0 0 FY 22 FY 23 FY 24 FY 25 FY 24
Slide 8: Environmental Consciousness
Environmental Consciousness E Green Building Waste Carbon • We have constructed our new office building at The Company follows the practice of waste As an environmentally responsible company we Guindy, under the supervision of a green disposal through approved vendors for the have taken various step
Slide 9: People Power – Learning and Development
People Power – Learning and Development S Capability Building (SDG 4,8) 18,776 employees trained, achieving 27% coverage across the organization 426 training programs Cyber Security Awareness (SDG 8) • Product & Process Knowledge • Rolled out an interactive e-learning module with post- • Sales & P
Slide 10: People Power – Employee Wellness
People Power – Employee Wellness S Employee Well-being: Nurturing Physical, Mental, and Financial Health As part of our Environmental, Social, and Governance (ESG) commitment, we continue to strengthen our focus on employee well-being through structured interventions that address physical, mental, a
Slide 11: People Power – Employee Wellness
People Power – Employee Wellness S 5. Respectful Workplace & Behavioral Culture(SDG 8,16) • Promoted a respectful workplace culture emphasizing empathy, inclusion & non-discrimination • Rolled out a self-paced podcast series on behavioral awareness • Published 10 Commandments for Respectful Meetings
Slide 12: People Power – Diversity & Inclusiveness
People Power – Diversity & Inclusiveness S Empowering Women Across the Organization Showcased journeys and achievements of women colleagues. Created platforms for experience sharing and collaboration with business leaders. Established a Women’s Forum to foster networking, mentorship, and growt
Slide 13: People Power – Empowering Communities - SRCCP
People Power – Empowering Communities - SRCCP S Focus Area Initiative Location Impact Primary SDG SDG 3 – Good Health Health & Early diagnosis and treatment of Vertebral Fracture, and Well-being Hygiene Cardiovascular risk and accurate spine and hip bone Provision of Hologic Bone Densitometer Ambili
Slide 14: People Power – Empowering Communities
People Power – Empowering Communities S Primary SDG Focus Area Initiative Location Impact Installation of smart boards for interactive and 150 students have access to technology Education Chennai, Tamil Nadu visual learning for students with special needs. enabled education Enhance the sanitation fa
Slide 15: Responsible Product and Process
Responsible Product and Process S Vehicle Loan against Housing Loan SBPL Finance property • The Company has actively • Chola is expanding into rural • LAP product provides access to • The Secured Business and started funding electric vehicles areas, enhancing access to credit for individuals and Per
Slide 16: Responsible Product and Process
Responsible Product and Process S CSEL - Traditional CSEL - CD SME Gola Loan • The launch of CD financing • MSME lending also encourages • Quick loan approval addressing • (CSEL) division offers a range of through partnerships with OEMs local entrepreneurship by urgent financial needs financial solu
Slide 17: Improving Efficiency
G Improving Efficiency Privacy & Data Security Corporate Governance Policy review at board level on periodic basis; Training Digitization on data security and privacy procedures for Policies and process in place to enable highest Businesses and functions aligned towards going employees; Monitoring o
Slide 18: Internal Awareness Campaign
Internal Awareness Campaign 18
Slide 19: Fair Practice Code
Fair Practice Code G • Appearance Matters • Strict No to Personal Humiliation • It’s the right time to contact • Peaceful Repossession • Refrain from Spray Painting • Watch your Language 19
Slide 20: Fair Practice Code
G Fair Practice Code Making a Wise Switch Pays Off Transparency Builds Trust! Embrace Electronic Payments Fair Play in Penal Charges 20
Slide 21: Decoding KYC Policy
Decoding KYC Policy y Acy G3 murugappa } Chola Decoding KYC Policy What is CDD? ] acceptable as r ection - Know Your vax vee 34 vara 0087 2a arbiters Customer Due Diligence (CDD) is a mandatory process of verifying a customer's identity (such as name, address, photographs, KYC documents, the custome
Slide 22: Cyber Security
S Chola Enter a better life Cyber Security KNOW WHAT YOU ARE POSTING! Limit what you share and post online. DON’T CLICK ON UNKNOWN LINKS! There are many links online that can hack your devices instantly. © KEEP YOUR PASSWORDS PROTECTED! Ensure your passwords are strong and change passwords DON’T SHA
Slide 23: Whistle Blower Policy
} Chola Enter a better life § Chola a, Enier a better life ss On Company/s Whistle Blower, Policy//,Vigil Mech. f OBJECTIVE: J In line with Chola’s commitment to the highest standards of ethical, moral, legal business conduct and open communication, Chola has in place a whistle blower / vigil mechan
Slide 24: Sustainability achievements
Sustainability achievements E GOAL: Support greener environment through Electric Vehicles (EV’s) financing.. Target: Achievement: • Support the cause of a greener environment through initiating electric • EV loan disbursements were INR 136.47 Cr in QTD Dec ’24 and vehicle financing and attempting to
Slide 25: Sustainability achievements
Sustainability achievements S GOAL: Continue to focus on providing credit to transport entrepreneurs, new to credit customers and first-time buyers and users Target: • Continue to have strong focus towards ensuring financial inclusion of various marginalized sections of society by offering loans for
Slide 26: Chola – Risk Culture
xox Chola Chola — Risk Culture Ty BG Enter a better life murugappa Risk governance & reporting | Clearly defined roles & responsibilities for effective corporate governance Organization structure setup to ensure effective governance Well-defined tracking mechanism & review cadence, @ RCSA (Risk cont
Slide 27: Chola – Risk Culture
fr % xox Chola Chola — Risk Culture murugappa Enter a better life Regulatory & compliance risk | Governance further strengthened by robust compliance mechanisms Regular Independent Audit Committee meetings held Specific focus on review of compliance of policies and processes Annual review and approv
Slide 28: Chola – Risk Culture
G Chola – Risk Culture Cyber risk | Regular monitoring & strong internal processes to prevent, detect & mitigate cyber risk 28 DevSecOps - Development Security Operations, API – Application programming interface
Slide 29: Thank You
} Chola ix Enter a better life murugappa THANK YOU Cholamandalam Investment and Finance Company Limited ~
Cholamandalam Investment and Finance Company — ESG Presentation (October 2025) on 6ix