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
‘A-‘ Leadership band
Climate Change 2023
Top decile in the FBN Diversified Financial Services & Capital Markets Industry
Long-term rating
LTF received an MSCI ESG rating of 'A'
As of March 2025
ESG Risk Rating of 16.1 & was assessed by sustainalytics to be at low risk of experiencing material financial impacts from ESG factors
As of October 2024
Sustainability Highlights
as of March 31, 2025
2.6 Cr+
Customer Database
44:56
Rural to Urban Book Ratio
2,297
Number of Branches Pan India (including HO)
13,000+
Distribution Touchpoints
~2 lakh
Villages Served
100+
Cities/Towns Served
Alignment to UNSDGs
₹ 3,800 Cr+
Digital Collections
₹ 12,700 Cr+
Digital Sourcing
100%
Digital Disbursements (Rural + Urban)
685 lakh+
Customer Servicing Experience through Digital Channels
R.AI.SE 2024
Amongst 1st in BFSI to organise an AI Event
Zero
Cybersecurity Breaches
LTF Pearl Challenge
Innovation-Led Financial Inclusion AI Hackathon
Project Cyclops
Next-Gen Underwriting Platform
Knowledgeable AI (KAI)
AI-Powered Virtual Advisor
Alignment to UNSDGs
36,521
Total Employee Headcount
27%
Women in Group Executive Committee
23.6%
Share of Women in STEM Related Positions
For Employees Across Grades
Launched DE&I Training through Gamified Module
8
Focussed DE&I Sensitisation and Awareness Sessions
1.35
Female to Male Compensation Ratio
5.4%
Women in the Workforce
38.5
Average Training Hours per Employee
27,217
Field Force
86%
Rated LTF as ‘Great Place to Work’
8 Projects
Implemented under GPTW Based on Employee Feedback
Women-Centric Policies
Rolled out to Support Inclusion, Safety, and Career Progression
ISO 45001:2018
Occupational Health & Safety Certification for Workplace Safety (HO)
63%
Employees from Rural & Semi-Urban Areas (smaller towns)
270° Feedback
Launched for Leadership Development
All Active Field Level Officers
Equipped with Helmets
300-400 Employees/Month
Recognised under Wall of Fame
Alignment to UNSDGs
₹ 30 Cr
Total CSR Spend
₹ 28.18Cr
Spend over and above the CSR Obligation
16.90 lakh+
CSR Beneficiaries
2.40 lakh+
Beneficiaries Linked to Social Schemes
₹ 180 Cr+
Social Convergence Value
1 lakh+
Beneficiaries of Digital Seva Kendras
42 lakh+
CSR Beneficiaries(Until Date)
₹ 123 SROI
Completed Digital Sakhi Projects
ISO 26000:2010 Social Responsibility
Certificate of Conformance
61.06 lakh+
Number of Women Borrower
32.74 lakh+
Number of Repeat Women Borrowers
54
Overall Net Promoter Score (NPS)
Amongst 1st
To Conduct Double Materiality
Amongst 1st
To Conduct Business Impact Study
39%
Y-o-Y Grievance Reduction
0 Complaints
Regarding Breaches of Customer Privacy from Customers, Outside Parties or Regulators
60%
Repeat Women Borrowers
9
Number of Low-Income States Served*
>75% of Value Chain
Annual ESG Assessment
Attended by Top Banks & Vendors
Value Chain Connect & ESG Workshop
Alignment to UNSDGs
~16%
Carbon (Scope 1+2) Emission Saved/Sequestered Y-o-Y
~3,692 tCO2e
Emissions Avoided (Green Power)
973 tCO2e
Sequestered through Plantation
~99%
Maharashtra Branches Switched to Green Power
~33%
Company Operations on Green Power
1 lakh+
Saplings Planted
>90%
Overall Plantation Survival Rate
Amongst the 1st
NBFCs to Join Partnership for Carbon Accounting Financials (PCAF)
ISO 14064-2:2019
Quantification of the Net GHG Removals*
100%
Paperless Journey in Rural Group Loans, Two-Wheeler Finance, Farm Equipment Finance, Personal Loans and SME Finance
250+
Acres Green cover
~176 lakh kl
Water Replenished (Watershed Management)
On Track
Carbon Neutrality by 2035
39 Flora & 69 Fauna Species
Biodiversity Supported through Miyawaki Plantation
64,000+
Number of EVs Financed
Retained
Water Positive/Surplus Status
>90% increase in waste water Recycling
Water Management at Head Office through STP
>60% decrease in fresh water usage
Water Management at Head Office through STP
Adopted
Sustainable Procurement Policy
25 Branches
Site level HIRA Conducted
50 Branches
Waste Assesment Study Conducted
Alignment to UNSDGs
97%
Retailisation
₹ 60,040 Cr
Total Retail Disbursements
₹ 97,762 Cr
Retail Book
₹ 2,644 Cr
Highest Ever Annual PAT
3.29%
GS3
0.97%
NS3
2.44%
Return on Assets (ROA)
10.87%
Return on Equity (ROE)
3.35
Debt-Equity Ratio (Average)
₹ 20,480 Cr
Sustainability-Focussed/Priority Sector Loans
22.27%
Capital to Risk (Weighted) Assets Ratio (CRAR)
₹ 102.5
Book Value per Share
