ESG
#BeResponsible

Growth With A Purpose

Environmental, Social & Governance (ESG) India Highlights

ESG
ESG

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Responsible finance, digital empowerment and financial inclusion are woven into our DNA. They are central to our Environmental, Social and Governance (ESG) efforts at Home Credit and underpin our support for customers, communities, staff and stakeholders.

Since Home Credit began its operations, we grew with the mission of transforming the business so we could better help others.

Our ESG policy ensures that ESG and sustainability are consciously and consistently embedded in all of our operations, through three main pillars.

ESG Policy

Digital Empowerment 

We believe it is our moral responsibility lies in digitally empowering the people and communities we work with.

Financial Inclusion 

Helping those who are under-served and new to financial services, as well as offering a trusted alternative to unregulated shadow lenders are one of our main priorities

Financial literacy

According to a report by the Global Financial Literacy Excellence Center, only 24% of India’s adult population is financially literate. As a financial services company, we are ideally placed to administer financial education to our customers as well as to general public. 

ESG Report: Key Highlights

Enabling Digital Empowerment,
Financial Literacy & Financial Inclusion

  • 50k+

    digital POS* touchpoints for customers

  • 95%

    retailers are small family owned businesses

  • 67%

    reduction in average loan disbursal time due to digitalisation

  • 30%*

    shift in personal loan through digital channels (2% in 2018 to 30% in 2021)

  • 65%

    increase in numbers of borrower served (8.5Mn in 2018 to 14.2Mn in 2021)

  • 40%

    customers are first-time borrowers with no credit history

  • 68

    NPS: customer satisfaction among the highest in the country

  • 30K

    respirators & 1.8 million surgical masks donated to India's MOHFW*

  • 3M

    people engaged on financial literacy via Paise ki Paathshala

  • 500

    female enterprenurs assisted through partnership with SEWA

*NPS - Net Promoter Score | *MOHFW - Ministry of Health and Family Welfare | *SEWA - Self Employed Women’s Association
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