Our Sustainability Vision & Goals
Vision
To be an environmentally and socially responsible financial institution built on the foundation of assurance. We are committed to generating long-term value for all our stakeholders.
Goals
Ensure profitability with ethical. environmental and social responsibility
Integrate ESG practices into LTF's business, operations and value chain
Achieve 'Best-in-Class' ESG Ratings
Sustainability Ratings
70 'Strong' ESG rating category (July 2025)
'B' Management Band
Climate Change 2024
Performed in top decile in the FBN Diversified Financial Services and Capital Markets Industry in the S&P Global Corporate Sustainability Assessment
(Score as of October 2025)
LTF received an MSCI ESG rating of 'A'
As of March 2025
LTF received an ESG Risk Rating of 16.8 and was assessed by Sustainalytics to be at low risk of experiencing material financial impacts from ESG Factors
(September 2025)
Sustainability Highlights
as of March 31, 2025
2.8 Cr+
Customer Database
2841
Number of Branches Pan India (including HO)
14,000+
Distribution Touchpoints
2 Lakh +
Villages Served
450+
Cities/Towns Served
Alignment to UNSDGs
₹ 5750 Cr +
Digital Collections
₹ 7200 Cr +
Digital Sourcing
₹25,906 Cr
Digital Disbursement
90%
Customer Servicing Experience through Digital Channels
Zero
Cybersecurity Breaches
Alignment to UNSDGs
41,000+
Workforce Enabling LTF’s Nationwide Growth and Digital Transformation
7.46%
Women Representation across the Total Workforce
66%
Workforce from Rural
23.08%
Women Representation in the Management Committee
82%
Growth in Women Participation in RBF
84%
Employees Agree LTF is a Great Place to Work
48
Average Training Hours per Employee
ROAD SAFETY TRAINING
All New Field Level Officers
28
Branches HIRA Conducted
100%
Employment Opportunities in Local Areas
290+
Employees Recognised Monthly through Wall of Fame
Alignment to UNSDGs
₹31.05
Total CSR Spend
₹12.92 Cr
Spend over and above the CSR Obligation
17.30lakh+
CSR Beneficiaries
ISO 26000:2010 Social Responsibility
Certificate of Conformance
13+
Value Chain Partners Engaged through ESG Capacity-Building Initiatives
100%
Customer Grievances Resolved
60
Overall Net Promoter Score (NPS)
17%
Reduction in Net Complaints
1.10lakh+
Beneficiaries Linked to Social Schemes
₹240 Cr
Social Convergence Value
1 lakh+
Cyber Fraud Trainings for Community Members
55lakh+
Number of Women Borrowers
37lakh+
Number of Repeat Women Borrowers
100%
Information Security Trainings for Employees
Alignment to UNSDGs
~20%
Carbon (Scope 1+2) Emission Saved/Sequestered Y-o-Y
2.68lakh+
Saplings Planted
265lakh KL
Water Replenished (Watershed Management)
6
Solar Rooftop Installation Piloted across Leased Branches
3
Retail Portfolios Financed Emission Reported
39
Species of Flora Biodiversity Supported
~76%
Company Operations on Green Power
500+
Acres of Green Cover developed
118
Species of Fauna Biodiversity Supported
62,000+
EVs Financed
130+
tonnes Paper Recycled in Operations
PCAF
INDIA CHAPTER Formal Inclusion
1521 tCO2e
Sequestered through Plantation
100%
Paperless Journey
Alignment to UNSDGs
98%
Retailisation
₹83,213 Cr
Retail Disbursements
₹1,21,728 Cr
Retail Book
₹2,981 Cr
*PAT before one time labour code effect: ₹3,003 Cr
2.88%
GS3
0.96%
NS3
2.37%
Return on Assets (ROA)
11.25%
Return on Equity (ROE)
₹18,220 Cr
Sustainability-Focussed/Priority Sector Loans
18.34%
Capital to Risk (Weighted) Assets Ratio (CRAR)
3.93x
Debt-Equity Ratio (Average)
111.7
Book Value per share
BBB
(Stable) S&P Global Ratings (Long-term)
BBB-
(Stable) Fitch Ratings (Long-term)
