ESG
(Environment, 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 AT FY 2020)

  Decent Work and Economic Environment

Revenue
3375 Mn
EBITDA
2093.76Mn
PAT
540Mn
NII (NET INTEREST INCOME)
2038.77 Mn
RoA
2.61%
RoE
7.15%
Employment Generation
1590
Gender Equality, Reduced Inequalities, Peace, Justice and Strong Institution, Good Health and Well Being

Women Customers
4,00,810
Board of Directors
150 years Experience
Independent Directors
6
Low Attrition Rate
1.82%
  Industry, Innovation and Infrastructure

Centralized Process, Real Time Credit Credential and Character Check
Innovative Financial Lending Product and Service
States
10
Branch Network
129
Collection Efficiency
98%
Digital platform in
2,125 Pincodes
Small and Medium Businesses Helped
30,000
  Climate Action, Responsible Consumption and Production

Paper Consumption
Minimal
Cashless Disbursement
100%
Sourcing and Servicing
Digital Process
Cashless Collection
92%
FOR ENVIRONMENT
(ongoing initiatives)
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

FOR SOCIETY
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 1,594 employees across over 129 offices
Women Entrepreneurs and Businesses
  • Encouraged over 4,00,810 women entrepreneurs through unsecured loans with a median ticket size of about INR 27,000
  • Encouraged over 30,000 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 4,00,810 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.
TESTIMONIAL
Anita
Haryana
Anita, aged 30 years, is a resident of Karnal, Haryana. She lives with her husband and two children. Anita’s financial position was not very stable because her husband’s earning was too low for the survival of her family. Last year, she got associated with Paisalo Digital Limited for her first loan to start a Cosmetic Shop. Anita now earns about `350 per day. Looking at her growing business, her husband too supports her in business. She is now financially secure and plans to further strengthen her business.
Champa Devi
Rajsthan
Champa Devi is a resident of a village near Keero Ka Mohalla, Tonk, Rajsthan where she lives with her husband and three children. Champa Devi belonged to a financially unstable family and sold vegetables. She needed to increase her income in order to meet her needs. She approached Paisalo for a loan so as to buy more vegetables. Now with the help of Paisalo’s financial literacy guidance and fund, she has opened another shop of vegetables even for her husband.
Dharmshila Paswan
Bihar
Dharmshila Paswan, aged 44 years, lives in Piro District Arrah, Bihar with her husband. Her husband’s income is not more than `300 per day and the income is also not reliable. She decided to open a grocery shop for which she needed money and approached Paisalo and secured the loan. She has started her own grocery shop. With PDL’s support, she is successfully running her business in the village.
Gaura Nayak
Rajsthan
Gaurra Nayak, aged 28 years, lives in Tonk, Rajsthan with her husband and three children. Gaura Nayak approached Paisalo last year for a loan and after due diligence, she was provided the loan. She used the loan amount for her business. She started a grocery shop her business started growing and has now achieved a decent scale. Her children are now studying in a good school. For her, all this was possible because of a loan from Paisalo, which is Available, Aware and Affordable.
Jitendra Kaur
Punjab
Jitendra Kaur, aged 32 years, is a resident of Gondwal Village, Ludhiana. She lives with her husband and two children. Jitendra’s financial position was not very stable with her husband’s earning of `300 per day was too low for the survival of her family. One year ago, she associated with Paisalo Digital Limited for her first loan to start a Kirana Store. Jitendra Kaur now earns about `250-350 per day. Looking at her growing business, her husband too supports her in business. She is now financially secure and plans to further strengthen her business.
Neetu
Punjab
Neetu, aged about 31 years, w/o Rakesh Kumar lives in Raikot, Punjab with her husband and two sons. She run’s a small Kirana Shop in her village. She took loan from PDL for growing her business. All her family members are actively associated with the shop. They are financially independent now, and they say it was possible because of timely loan from PDL as per their requirement, which fueled their income generation
Priti
Uttar Pradesh (West)
Priti, aged 30 years, is a resident of Garhmukeshwar, Uttar Pradesh. She lives with her husband and two children. Priti’s financial position was not very stable with her husband’s earning of `200 per day, which was low for the survival of her family. She associated with PDL for her first loan to start the tailoring work. Priti now earns about `350 per day. She is now financially secure and plans to further strengthen and expand her business.
Sapna
Haryana
Sapna aged 32 years is a resident of Radaur, Haryana where she lives with her husband and children. Her husband’s earning was `7,000 per month, which was insufficient for the survival of her family. Sapna got associated with Paisalo and a loan was given to her by which she bought a sewing machine and started sewing clothes for ladies and children. Soon her tailoring business gained momentum and she now earns approximately ` 10,000 per month. Her family’s standard of living has improved. Sapna also intends to open a small tailoring shop and buy some more sewing machines which would enable her to give employment to other women in her village.
Get In Touch

Need support?

CSC, Pocket 52, CR Park,
Near Police Station,
New Delhi - 110019

delhi@paisalo.in

+91 11 43518888
Hotline: 85 85 85 4848 (Charges may apply)

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