Environment, Social, Governance (ESG)

Complete Profitability

Sustainability is a business imperative for resilience, thereby paving a path for shared and inclusive growth. At IIFL Home Finance, our sustainability strategy is governed by the idea of ‘Complete Profitability – An ESG Initiative’. Complete Profitability is our ESG DNA which is a reflection of the impact made through various initiatives that the Company drives towards the enrichment and growth of its four pillars of success, i.e. Employees, Organization, Society, and Environment. Our motto is to achieve ‘Complete Profitability’ across all four aforementioned pillars, allowing us to catalyse growth and create operational efficiency.


  • Learning and development
  • Gender diversity
  • Right values
  • Health & safety
  • Human rights


  • Environmental and health impact
  • Sustainable development
  • Responsible investment


  • Financial, ethical and sustainable growth
  • Constant innovation


  • Financial inclusion
  • Financial literacy
  • Women empowerment
  • Housing for All

ESG Framework

Our integrated vision and focus on efficiency, management, and productivity through our ‘Complete Profitability’ model has laid the path of creating value by incorporating Environment, Social, and Governance (ESG) initiatives within our business ecosystem.

The ESG framework lays the foundation for integrating critical ESG aspects in our core business functions and operational boundary. The approach adopted under the model brings on board not only our employees and customers, but also the environment and the immediate ecosystem in which we operate. We also have systems are in place for mitigating risk and monitoring of ESG Performance periodically.

Environment Consideration

Our objective is to minimize our natural resource footprint and carbon emissions, to promote strategies that encourage these reductions, and help mitigate impacts of climate change. In support of this objective, we launched a Green Building Initiative ‘Kutumb’, to reduce the environmental footprint of our construction finance loan portfolio by focusing on promoting sustainable and energy-efficient real estate development.

Social Consideration and Employees

We are committed to conducting business in an affordable, accessible, and sustainable manner. Our products are designed around a philosophy that truly understands the borrower’s ecosystem and caters to their needs. Our offerings under Secured SME Loans have been developed keeping in mind the socioeconomic backgrounds of our customers. We also continue to promote women empowerment, employee welfare, and occupational health and safety programs.


We have developed a sound and a robust governance structure, with clear roles and responsibilities that showcase adherence to business ethics through our detailed policies and procedures on anti corruption, anti-bribery, data protection, and customer privacy norms amongst other policies. Not limiting us to compliance requirements, we aim to go beyond, by continuing to adapt to ever evolving international ESG parameters and standards.

Glance at our ESG Policy

IIFL Home Finance’s ‘ESG Policy’ serves as a guide for identification of its material topics across various internal business functions, product offerings, and branches and offices. It provides a systematic approach to establish a robust governance structure, define roles and responsibilities, systems and processes for management, measurement, monitoring and auditing of identified material aspects in a timely and transparent manner.

ESG Vision

To achieve business excellence through Social Responsibility, Digital Transformation, and Sustainable Lending Practices, thereby creating a lasting positive impact in environmental and social ecosystem

ESG Mission

  • To go beyond profitability and to create long-term sustainable value for all stakeholders
  • To adopt and scale up digital interventions for day-to-day operations so as to minimize environmental footprint and enhance our service outreach
  • To balance economic growth and Return on Investments (ROI) with robust management of environmental, social, and governance risks across our business portfolio
  • To adhere to leading lending practices which enable us to fulfil unmet needs of our business partners in a responsible and sustainable manner


  • To set roadmap for integrating sustainability into all business operations and our product offerings resulting in conducting business in a responsible manner
  • To establish strategy to communicate our sustainability performance to all stakeholders in a transparent and regular manner

Focus Areas of ESG Policy

Environmental Policy
Health and Safety Policy
Corporate Social Responsibility (CSR)
Customer Satisfaction
Human Resource (HR) Management
a. Diversity and Inclusion (D&I) Policy
b. Learning and Development Policy
c. Human Rights Policy
Prevention of Sexual Harassment and its redressal
Anti-Bribery and Anti-Corruption Policy
Information and Cyber Security
Know-Your Customer (KYC) and Anti-Money Laundering (AML)
Grievance Redressal
Whistle-blower Protection
Business Continuity Management
Business Code of Conduct
Fair Practice Code
Supplier Code of Conduct