HomeImpact

(ENVIROMENT, SOCIAL AND GOVERNANCE)

At PAISALO, We are very conscious that accelerated growth in our businesses cannot come at the cost of deteriorating environment, social inequality or unfaithful governance.
How we do our business is as important as what we do. With sustainable and responsible growth being the future of business growth, we are making the necessary changes to embrace all or some parts of ESG in the upcoming years.
Our ESG reflects our responsibility to Environment, Shareholders and the Communities in which we operate.

ESG HIGHLIGHTS

(AS ON FY 2023)

    Decent Work and Economic Environment

REVENUE

4732 mn

EBITDA

3,381.98 mn

PAT

936 mn

ROA

3.02%

ROE

7.90%

EMPLOYMENT GENERATION

1670

    Industry innovation and infrastructure

STATE

18

TOUCH POINTS

133

DIGITAL PLATFORM IN

3,275 Pincodes

Helped SMALL AND MEDIUM BUSINESSES

66,000

    Gender Equality. Reduced inequalities, Peace, Justice and strong institution good health and well being

WOMEN CUSTOMERS

4,50,000 +

BOARD OF DIRECTORS

150 years Exp.

INDEPENDENT DIRECTORS

6

    Gender Equality. Reduced inequalities, Peace, Justice and strong institution good health and well being

PAPER CONSUMPTION

Minimal

CASHLESS DISBURSEMENT

100%

SOURCING AND SERVICING

Digital Process

CASHLESS COLLECTION

92%

FOR SOCIETY

about
Economic Growth And Decent Work
  • Contribute to the national agenda of job creation by financially empowering enterprises and individuals
  • Employment and growth apportunities to over 1,670 employees.
Women Entrepreneurs and Businesses
  • Encouraged over 4,50,000 women entrepreneurs through unsecured loans with a median ticket size of about INR 27,000
  • Encouraged over 66,000 small businesses, enterperises and entrepreneurs across the North Indian
Reduce Inequality
  • Empowered and promoted the social and economic inclusion of women and youth
  • Financial inclusion for over 4,50,000 women from diverse communities by providing them with credit

Investing in our people by including a performance-driven culture and ensuring a safe and engaging work environment

FOR RESPONSIBLE GOVERNANCE

Peace, Justice and Strong Institutions
  • Board of Directors ensure Effectiveness & Accountability
  • A well balanced and rich board with over 150 years of experience
  • 6 independent directors have oversight on subsidiary and head strategic committees
Management, Employees, Shareholders and regulators
  • An organisation wide Fair Practices Code which reflects general principles to guide employees in making ethical decisions.
  • Compliance and risk consciousness amongst employees is fostered
  • Monitoring anti-bribery and corruption with regular risk assessments, and training employees to be able to recognise, avoid and report any potential instances.
  • Informing employees on the Group Policies such as Code of Conduct, Insider Trading, Information Security, Communications among others to build responsible work ethics.
  • Continuously striving to maintain and achieve the highest standards of legal and regulatory compliance and effective management, aimed at providing maximum value to the shareholders through a robust corporate governance framework.
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FOR ENVIRONMENT

(ongoing initiatives)

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Affordable And Clean Energy
  • Energy consumption through energy efficient LED lighting across all offices
  • Relying on natural lights as much as possible
  • E-waste management aimed towards recycling and reuse.
Responsible Consumption
  • Practice sustainable management and efficient use of natural resources for a cleaner environment.
Reduce Water Consumption
  • Water obtained from rainwater harvesting and re- cycling initiatives at PAISALO Registered Office, install smart water dispensers and smart water meters.

Strengthen policy guidelines to encourage socially responsible procurement

SUCCESS STORIES