Business Responsibility & Sustainability Report

IIFL FINANCE LIMITED 231

SECTION A: GENERAL DISCLOSURES

1. Details:
   
   
   

   1. Corporate Identity Number (CIN) of the Listed Entity L67100MH1995PLC093797

   2. Name of the Listed Entity IIFL Finance Limited ("IIFL")

   3. Year of Incorporation 1995

   4. Registered office address

      IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Industrial Area, Wagle Estate, Thane, Maharashtra - 400604

   5. Corporate address 802, 8th Floor, Hubtown Solaris, N. S. Phadke Marg, Vijay Nagar, Andheri East, Mumbai - 400 069

   6. E-mail shareholders@iifl.com

   7. Telephone (91-22) 6788 1000

   8. Website https://www.iifl.com

   9. Financial year for which reporting is being done April 1, 2024 - March 31, 2025

   10. Name of the Stock Exchange(s) where shares are listed

       National Stock Exchange of India Limited ("NSE") BSE Limited ("BSE")

   11. Paid-up Capital ` 84.90 Crores (As of March 31, 2025)

   12. Name and contact details (telephone, email address) of the person who may be contacted in case of any queries on the BRSR Report

       Mr. Samrat Sanyal

       Company Secretary and Compliance Officer Telephone No. (91-22) 6788 1000 shareholders@iifl.com

   13. Reporting boundary - Are the disclosures under this report made on a standalone basis (i.e. only for the entity) or on a consolidated basis (i.e. for the entity and all the entities which form a part of its consolidated financial statements, taken together)

       Disclosures made in this Report are on a standalone basis and pertain only to IIFL Finance Limited

   14. Name of assurance provider Not applicable

   15. Type of assurance obtained Not applicable

       232 Integrated Annual Report 2024-25

       `	Statutory Reports

       
       
       

       SECTION A: GENERAL DISCLOSURES

2. Products/Services

   1. Details of business activities (accounting for 90% of the entity's turnover)

      Financial services

      IIFL is a diversified financial services company that provides a wide range of loan products through its own operations and subsidiary entities.

      99.66%

      % of total revenue of the entity

      Description of business activity

      Description of main activity

1. Products/Services sold by the entity (accounting for 90% of the entity's Revenue):

   % of total revenue contributed

   NIC code

   Product/Service

IIFL is a financial services Company offering financing through varied loan products via., Gold Loan, MSME Loan, Construction & Real Estate Finance and Capital Market Finance

64920 99.66%

1. Operations

   1. Number of locations where operations/offices of the entity are situated

      Location	Number of plants	Number of offices	Total
      National	0	2,860	2,860
      International	0	0	0

   2. Markets served by the entity:

      1. Number of locations

         National (States and Union Territories)

         International (No. of Countries)

         28 (26 states and 2 UTs)

         Nil

         Number

1. 1. What is the contribution of exports as a percentage of the total turnover of the entity?

      233

      
      
      

      Not Applicable.

      IIFL FINANCE LIMITED

      
      
      

      SECTION A: GENERAL DISCLOSURES

      
      
      

      Small and Medium-Sized Enterprises (SMEs)

      SMEs who require funds for their operations, to purchase equipment, manage cash flow, expand their operations, or invest in new projects.

      Startups and Entrepreneurs

      Startups and Entrepreneurs who require capital to launch or grow their businesses.

      Individuals

      Private individuals or consumers who require financial services for personal reasons.

      Retailers and Merchants

      Financing in partnership with retailers and merchants to provide consumer financing options.

      @riafi on fiyias ofi c÷sfiomars

      Corporations

      Large corporations requiring finance for mergers and acquisitions, capital expenditure projects, restructuring debt, or managing cash flow gaps.

      Real estate developers and Investors

      Those who require funding for property acquisitions, construction projects, renovations, or real estate investments.

      Healthcare and Medical Institutions

      Medical practices, hospitals, clinics, and healthcare providers requiring finance for equipment purchases, facility expansions, technology upgrades, or to bridge cash flow gaps.

      Government and Public Sector Entities

      Government agencies, municipalities, and other public sector organizations requiring finance for infrastructure development, public projects, etc.

      1. Employees

2. Details as of March 31, 2025

   EMPLOYEES

   
   
   

   1. Employees and workers (including differently abled):

      Sl. No. Particulars	Total		Male			Female
      	(A)	No. (B)		% (B / A)	No. (C)	% (C / A)

      1 Permanent (D)	14,782	10,874	74%	3,908	26%
      2 Other than Permanent (E)	461	312	68%	149	32%
      3 Total employees (D + E)	15,243	11,186	73%	4,057	27%

      *The Company does not have any worker as defined in the guidance note of BRSR.

      234 Integrated Annual Report 2024-25

      `	Statutory Reports

      
      
      

      SECTION A: GENERAL DISCLOSURES

   2. Differently abled employees:

      We, at IIFL Finance are committed to all employees regardless of their background, abilities or disabilities. We believe in fostering an inclusive and diverse work environment, which values the contribution from every employee. In line with our Company's commitment to treat all employees fairly, we do not track specific details related to an individual's disability - as we believe in the privacy of the employee and strive to avoid any biases or stigmatization. Our Company's goal is to remain an equal opportunity employer and ensure all employees are treated fair.

3. Participation/Inclusion/Representation of women

   Particulars	Total No. and percentage of Females
   	(A)	No. (B)	% (B / A)
   Board of Directors	9	1	11.11
   Key Management Personnel*	4	0	0.00

   * includes 2 Key Managerial Personnel (Mr. Nirmal Jain, Mr. R Venkataraman) also covered under the Board of Directors.

4. Turnover rate for permanent employees

   
   
   

   F: Female M: Male

   Bucket		FY 2022-23			FY 2023-24			FY 2024-25
   	F M	F M	F M	F M	F M	F M	F M	F M	F M
   	Below 30 yrs	30-50 yrs	Above 50 yrs	Below 30 yrs	30-50 yrs	Above 50 yrs	Below 30 yrs	30-50 yrs	Above 50 yrs

   Junior management	13.30% 21.50%	5.60%	19.60%	0.00%	0.00%	8.07%	15.35%	4.69%	15.20%	0.00%	0.04%	7.07%	13.20%	3.31%	12.45%	0.03%	0.07%
   Middle management	0.60% 1.90%	3.30%	31.50%	0.00%	0.40%	0.32%	1.61%	3.15%	23.82%	0.16%	0.48%	0.32%	0.63%	3.17%	13.95%	0.00%	0.00%
   Senior management	0.00% 0.00%	2.50%	10.10%	0.00%	2.50%	0.00%	0.00%	8.89%	20.00%	0.00%	0.00%	0.00%	0.00%	6.38%	21.28%	0.00%	2.13%
   Total	12.20% 19.80%	5.40%	20.60%	0.00%	0.10%	7.40%	14.16%	4.57%	15.93%	0.01%	0.07%	6.90%	12.89%	3.32%	12.51%	0.03%	0.07%

   *The Company does not have any worker as defined in the guidance note of BRSR.

   1. Holding / Subsidiary /
   Associate companies / Joint ventures

5. As on March 31, 2025

*Subsidiary company of IIFL Home Finance Limited.

IIFL FINANCE LIMITED

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