• 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

• ₹ 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

• 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

• ₹ 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

• ~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 1^st

  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

• 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