Cholamandalam Investment And Finance Co. Ltd. · NSE:CHOLAFIN
Cholamandalam Investment And Finance — ESG Presentation (January 2026)
31 slides from Cholamandalam Investment And Finance's sustainability presentation, January 2026
Slide 1: ESG Presentation Jan'26 – Mar'26
ESG PRESENTATION JAN’26 – MAR‘26 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- 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) 16 Maternity & Paternity leave policy Yes SDG 3 17 Mobile Policy Yes SDG 9, 8 Policy For Claiming Unclaimed Interest or Principal on Non- 18 Convertible Securities Yes SDG 8 19 Policy on Co-Lending Yes SDG 8 20 Policy on Domestic T
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 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 23 FY 24 FY 25 FY 24 FY 24 FY
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) Cyber Security Awareness (SDG 8) ➢ 22,637 employees trained, achieving 31% coverage across the • Rolled out an interactive e-learning module with post-assessment organization 667 training Session • Reinforced digital safety and
Slide 10: People Power – Employee Wellness
People Power – Employee Wellness S The organization executed multiple employee-centric wellbeing initiatives focused on awareness, engagement, and behavioral change. These efforts were aligned to enhance employees’ Physical, Mental, and Social wellbeing while strengthening a culture of safety and re
Slide 11: People Power – Employee Wellness
People Power – Employee Wellness S World Health Day Awareness Campaign (SDG 3,12) Organization-wide Wellness Engagement (SDG 3,8) • Celebrated World Health Day through a focused initiative • Conducted a Wellness Bingo Challenge across all themed: “One Small Habit, One Big Change” employees to drive
Slide 12: People Power – Diversity & Inclusiveness
People Power – Diversity & Inclusiveness S Empowering Women Across the Organization ➢ Established a Women’s Forum to foster networking, mentorship, and growth. ➢ Shecare lounge – space exclusively for women to unwind ➢ Sakhi, employee referral program – platform focused on increasing women workforce
Slide 13: People Power – Empowering Communities – SRCCP FY 26
People Power – Empowering Communities – SRCCP FY 26 S Focus Area Initiative Location Impact Primary SDG 350 leprosy and general patients are provided with SDG 3 – Good comprehensive ophthalmic care, including early Health and Well- Health & Enhancing Vision Screening capacity through detection, cont
Slide 14: People Power – Empowering Communities – SRCCP FY 26
People Power – Empowering Communities – SRCCP FY 26 S Focus Area Initiative Location Impact Primary SDG SDG 4 – Quality Installation of smart boards for interactive and Chennai, Tamil 150 students have access to technology enabled Education visual learning for students with special needs. Nadu educa
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: Employee Awareness – Fair Practice Code
Employee Awareness – in Chola G Fair Practice Code • Appearance Matters • Strict No to Personal Humiliation • Peaceful Repossession • Refrain from Spray Painting • Watch your Language 19
Slide 20: Employee Awareness – Sustainability
G Employee Awareness – in Chola Sustainability I Save Water I Save Electricity I Avoid Food Waste 20
Slide 21: Employee Awareness – Sustainability
Employee Awareness – in Chola G Sustainability I Save Paper I Am A Responsible Citizen I Am A Responsible Cholaite 21
Slide 22: Employee Awareness – Fair Practice Code, Decoding KYC Policy
Employee Awareness – in Chola G Fair Practice Code Decoding KYC Policy 22
Slide 23: Employee Awareness – Cyber Security
Employee Awareness – in Chola G Cyber Security 23
Slide 24: Employee Awareness – Whistle Blower Policy
Employee Awareness – in Chola G Whistle Blower Policy 24
Slide 25: Our Excellence
Our Excellence G Citation from Business today 25
Slide 26: 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 115.9 Cr in QTD Mar ’25 and vehicle financing and attempting to
Slide 27: 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 28: Chola – Risk Culture
xox Chola Chola — Risk Culture fa OG 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 29: Chola – Risk Culture
Sy Chola Chola — Risk Culture £ eG Enter a better life murugappa 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 appro
Slide 30: Chola – Risk Culture
G Chola – Risk Culture Cyber risk | Regular monitoring & strong internal processes to prevent, detect & mitigate cyber risk 30 DevSecOps - Development Security Operations, API – Application programming interface
Slide 31: Thank You
} Chola ox Enter a better life murugappa THANK YOU Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai - 600032. | Email: customercare@chola.murugappa.com | Website: www.cholamandalam.com Cholamandalam Investment and Finance Company Limited a
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