Climate change and the events that accompany it have the potential to have a big impact on the real estate industry. The real estate industry, in and of itself, has a major environmental impact. As a result, being of lender to the real estate sector, preventing and mitigating climate change-related consequences is a material topic for us.

At IIFL, we consistently strive to build a product portfolio that is energy and resource efficient to enable a positive environmental footprint. Energy Efficient processes also helps in cost reduction and hence it is very important to us. We also have ESG Policy in place which addresses approach to deal with the topic.

We recognise the importance of clean and safe water as a basic human right. As a responsible corporate citizen, we consistently ensure to minimize water consumption within organisation. Our ESG Policy addresses the approach to use and manage water within premises.

We are regulated by Reserve Bank of India being an NBFCs. Since overall business and regulatory compliance are important not only to avoid any non-compliance and penalty but to enhance brand reputation.

Employees, as well as contractors and consultants who have access to IIF Home FinanceL technology assets, receive annual training on how to use it. It’s also a requirement for new employees, contractors, and consultants who have access to our technology. This training covers protecting IIFL information and data, policy and standard controls, security best practices, and identifying and reporting potential cyber threats.

As an NBFC, it is our duty to communicate minute details about our services to the borrowers. Transparent and timely communication regarding products, Most Important Terms and Conditions (MITC), regulations, benefits, obligations of organization and customers, etc., help in boosting trust of customers and other stakeholders.

As digital solutions continue to expand and integrate into our daily lives, we see increasing concerns related to privacy and security breaches. Data security and customer privacy are among our top priorities for IIFL Home Finance Limited and our stakeholders. We have built an integrated tech-empowered organization that is well placed to face the changing technology landscape.

One of the most significant critical success factors for a firm is identifying and fulfilling client needs. Customer satisfaction is a strong predictor of how well a service is delivered. It aids in the expansion of the consumer base, which is necessary for corporate success.

As a housing financing company, we have a responsibility to follow best lending practises and implement new ideas in order to maximise value for all parties involved. A responsible lending strategy not only reduces the risk of Non-Performing Assets (NPAs), but also ensures that the product is used in an environmentally friendly manner.

Financial inclusion strengthens the availability of economic resources. Financial inclusion is a major step towards inclusive growth. It helps in the overall economic development of the underprivileged population as well as the company.

CSR lies at the core of IIFL Home Finance. we continued serving communities through programs aligned with our CSR focus areas by leveraging the power of digitisation and technology. In line with our corporate spirit, we designed unique interventions to negate the barriers created by the pandemic.

To drive a company profitably, it is important to evaluate Within the organization and improve the economic performance every year. Hence, economic performance always remains a material topic to us.

Preventing corruption unlocks progress towards the Sustainable Development Goals, helps protect our planet, creates jobs, achieves gender equality. At IIFL Home Finance, we follow zero tolerance approach towards corruption and sincerely take actions to prevent corruption on the first place.

We are exposed to a variety of financial and non-financial risks and possibilities as a result of the nature of our business. The real estate industry has a significant environmental impact. Furthermore, climate change is predicted to have a considerable impact on the housing sector. As a result, risk management is critical to our company’s success. We have mechanisms and frameworks in place to assess review and manage the risks across the organisation

Digitalisation makes business processes effective and efficient. Adoption of digital technologies benefits in enhancing our reach and results in reduced environmental footprint due to saving through reduction in our paper consumption.