Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — ESG Presentation (2025)
36 slides from Cholamandalam Investment And Finance's sustainability presentation, 2025
Slide 1: ESG Presentation Jan'25 – Mar'25
ESG PRESENTATION JAN’25 – MAR‘25
Slide 2: Contents
Contents ESG at Chola Women Empowered Branch ESG Governance Structure WOW Work Place Award Policies aligned with SDG Fire evacuation ESG Rating and Ranking Environmental Consciousness Customer Escalation Matrix People Power Social Media Google Review Responsible Product Sustainability Achievements R
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 related to ESG CSR Committee – This Committee comprises of Chairman, an independent Director and a non- executive Director to support and advise Board on the company’s ESG policy , strategies and
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- 3 Related 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 SDG Sl. N Chola Policies (Yes/No) 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
Slide 7: Chola ESG Rating and Ranking
Chola ESG Rating and Ranking Member of FTSE4Good Index Score of 3.1 S & P Global Sustainalytics (Score/rating (0 to 5) higher score are better higher score indicates lower risks lower rank indicates lower risk 3.2 3.1 25.2 3.1 35 30 25 24.9 30 3 24 24.8 24.7 25 2.9 19 24.6 2.8 2.8 20 2.8 15 24.4 24.
Slide 8: Environmental Consciousness
E Environmental Consciousness Green Building Waste Carbon • We have constructed our new The Company follows the practice of As an environmentally responsible office building at Guindy, under the waste disposal through approved company we have taken various supervision of a green consultant vendors f
Slide 9: People Power
People Power S Learning & Development ➢ Conducted a Performance Booster Training for 1,985 VF Frontline Sales and Collection employees to elevate their performance after a low-performing last quarter. ➢ Conducted Employee Wellness Sessions on building healthy habits and routines, stress management u
Slide 10: People Power
People Power S Diversity & Inclusiveness Empowering Communities ➢ Business activities such as hiring, ➢ Key focus areas, are ongoing projects of Health, promotion, and compensation of Water and Sanitation, Education, Arts & Culture, employees, are conducted without any Sports, Rural Development, Env
Slide 11: Responsible Products
G Responsible Products • Financing of Commercial, Passenger, Two-wheelers, Tractors and Construction Equipment in both New and Vehicle Used Vehicles across 1564 branches PAN India • Retail customers especially in smaller towns and rural areas Financing • 65% of disbursements are to micro & small ent
Slide 12: Responsible Process
G Responsible Process • Enabling organised credit to First time borrowers and ‘ New-to-credit’ customers Access to • Partnerships to use advanced techniques to appraise and underwrite customers (for unsecured Finance Personal Loans), in the monthly income range of INR 15000-20000, in underserved pro
Slide 13: Improving Efficiency
G Improving Efficiency Corporate Governance Privacy & Data Security Digitization Policy review at board level on periodic basis; Policies and process in place to enable highest standards in governance and Businesses and functions aligned towards Training on data security and privacy procedures trans
Slide 14: Internal Awareness Campaign
Internal Awareness Campaign 14
Slide 15: Customer Relationship Management
Customer Relationship Management G Charter of Customer Rights • Right to Equitable and Fair Treatment • Right to Privacy and customer confidentiality • Right to Transparency • Right to Grievance Redressal and Compensation • Right to Suitability 15
Slide 16: Regulatory compliance and Accountability
Regulatory compliance and G Accountability Adhering to regulations while protecting customer privacy. Promoting transparency and ethical practices in customer management 16
Slide 17: Fair Practice Code
Fair Practice Code G • Appearance Matters • It's Right time to Contact • Refrain from Spray Painting • Peaceful Repossession • Strict No to Personal Humiliation • Watch your Language 17
Slide 18: Code of Conduct
§ Chola Enter a better life An excellent customer experience can transform the way customers think about a company. We believe that every Chola employee is an ambassador of Chola to the customer. The way you speak, dress and communicate with customers reflect the values of the 5 lights (Integrity,(
Slide 19: Customer Cyber Information
Customer Cyber Information G Stay Safe online Cyber Security Awareness - Email Security !! Dear All, Cybersecurity is everyone’s responsibility and we are now a days facing a common threat under the name of Phishing. The phishing email can be from any look alike trusted source landing in to your off
Slide 20: Whistle Blower Policy
xox Chola Enter a better life $} Chola Enter a better life ‘Awareness On Company/s Whistle Blower, Policy//,Vigil Mechanism’ 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 mechanis
Slide 21: Awareness on Prevention of Sexual Harassment at Workplace
Awareness on Prevention of Sexual Harassment at Workplace
Slide 22: Chola's first ever Women Empowered branch
Chola’s first ever WOMEN EMPOWERED branch We have long been a trailblazer in India's NBFC sector, renowned for our customer-focused approach and innovative financial solutions. In a landmark move, Chola inaugurated its first Women Empowered branch at Mawlai in Meghalaya setting a new benchmark for i
Slide 23: Chola's WOW Work Place Award
Chola’s WOW Work Place Award Celebrating our HR Excellence! We're thrilled to receive the prestigious Jombay WOW Workplace Award in the BFSI category! The nomination for this award was purely based on the positive feedback from our employees, making it even more special. At Chola we're committed to
Slide 24: Fire Evacuation Drill At Chola Crest
Fire Evacuation Drill At Chola Crest
Slide 25: Customer Escalation Matrix
G Customer Escalation Matrix https://www.cholamandalam.com/contact-us/grievance-redressal 25
Slide 26: Social Media Google Review
G Social Media Google Review 4.8 4.7 4.7 4.7 4.6 4.5 4.5 4.4 4.3 4.2 4.2 4.1 4 3.9 Jun'24 Sep'24 Dec'24 Mar'25 26
Slide 27: 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 • EV loan disbursements were INR 86.99 Cr in QTD initiating electric vehicle financing and attempting to Mar’24 and i
Slide 28: Sustainability achievements
Sustainability achievements E • GOAL: Establish green operational measures across all office branches and raise green awareness among employees and key stakeholders including customers, visitors, CSR recipients etc Target: Achievement: • Achieve green building status for corporate • Green building s
Slide 29: Sustainability achievements
Sustainability achievements E S GOAL: Continue to focus on providing credit to transport entrepreneurs, new to credit customers and first- time buyers and users Achievement: Target: • We are majorly present in in Tier III+ cities • Continue to have strong focus towards ensuring financial which makes
Slide 30: Sustainability achievements
G Sustainability achievements GOAL: Implement best-in class data protection tools and IT governance to ensure 0% data breaches in customer data protection Target: Achievement: • We will organize periodic • Continuous cyber awareness information security activity through Phishing awareness programs a
Slide 31: BRSR Highlights
BRSR Highlights Metrics Chola – FY 25 Chola – FY 24 Renewable energy usage increased significantly 159 GJ 193.23 34.2 Reduced Energy intensity per rupee of turnover 3.46 3.98 Reduced Water intensity per rupee of turnover 22.88 27.94 dropped Scope 1 and Scope 2 emissions per rupee of turnover 0.66 0.
Slide 32: BRSR Highlights
BRSR Highlights Metrics Chola – FY 25 Chola – FY 24 No of Bribery or corruption were reported. 0 0 Ensure responsible disposal of electronic waste. a a Our presence in number of Under-banked districts 300 252 Our presence in number of Aspirational districts 82 80 Our value chain partners are assesse
Slide 33: Chola – Risk Culture
G Chola – Risk Culture Risk governance & reporting | Clearly defined roles & responsibilities for effective corporate governance Organization structure setup to ensure effective governance Well-defined tracking mechanism & review cadence 1 RCSA (Risk control and self-assessment) conducted across • O
Slide 34: Chola – Risk Culture
G Chola – Risk Culture Regulatory & compliance risk | Governance further strengthened by robust compliance mechanisms Regular Independent Audit Annual review and approval of all Committee meetings held key policies by the Board Specific focus on review of compliance of policies and processes Monthly
Slide 35: Chola – Risk Culture: Cyber risk
G Chola – Risk Culture Cyber risk | Regular monitoring & strong internal processes to prevent, detect & mitigate cyber risk People Process Tools & Technology •1 Well-equipped, adept 3 Continued effort towards 5• Continuous expansion of team of security professionals strengthening protocols suite of
Slide 36: Thank You
THANK YOU CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY 36
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