Leadership Message

Aavas understands that sustainability is more than a corporate goal, it is an ongoing journey and we are wholly committed to this path. Our initiative towards sustainability and environmental responsiveness are going digital and reducing the use of papers, while simultaneously improving operational efficiency. The Company under its Go Green Initiative digitized its operations to minimize paperwork and facilitate online applications for home loans through its web portal and mobile application. Together, let’s move forward and drive meaningful change.

Mr. Ghanshyam Rawat

President & Chief Financial Officer

ESG Highlights FY 2025-2026

45.84 tCO₂e

Scope 1 emissions
3106.92 tCO₂e

Scope 2 emissions
718

Self-built green home financed
FY 2049-50

Carbon neutrality target
10,000+

Trees planted
630 KWP

Solar plant installed
LEED Gold

Central Support Office certified

Social

2,70,852

Total Active Customers
9,471

Total Employees
5.68%

Women in workforce
4,01,287+

Training Hours
100%

Employees covered under Medical benefits
Prerna Program

Aimed to empower women
3,926+

Women empowered through Gram Siddhi Program
2,78,075+

Total Youth benefitted through Education & Holistic Development
5,98,106+

Total lives touched through CSR initiatives

Governance

38%

Independent directors
25%

Women Directors
Yes

Independent Director
Yes

ESG Policy & ESG Targets
Yes

BRSR Core Assured
₹23,452 Cr.

Asset Under Management (AUM)
₹654.88 Cr

Profit after Tax (PAT)
Nil

Data Privacy Breaches

Our Goal

Particulars	Target / Timeline	Status at the end of FY 2025-26	Status at the end of FY 2024-25
Carbon Neutrality (Scope 1 & 2 Emissions)	70% by FY 2032-33 and 100% by FY 2049-50	39.40%	47.72%
Scope 3 Emissions (Plastic & Paper Waste)	50% by FY 2027-28	Paper: 100% recycled (99.45% emission reduction) * Plastic: Partial year data available; so not comparable	44.00% (Including Plastic and Paper Waste)
Carbon Offset Planting 70,000 Trees Solar Plant(3,500 KWP) Green Housing Offset	By FY 2029-30	10,000+ trees planted 630 KWP installed 718 Certified Self-Built Green Homes	13,051 trees planted 620 KWP installed 348 Certified Self-Built Green Homes

Particulars	Target/Timeline	Status at the end of FY 2025-26	Status at the end of FY 2024-25
Increase Women Workforce up to 8%	By FY 2027-28	5.68%	4.89%
Incresse women workforce in H.O. & related office up to 25%	By FY 2027-28	26.83%	25.91%
Maintain Fresh Hire up to 20%	Annual	31.74%	36.7%
Increase the Specially Abled Employees up to 10	By FY 2027-28	3	2
CSR Outreach (Education & Holistic Development)	By FY 2029-30	6,20,087 Beneficiaries (Direct + Indirect)	3,42,012 Beneficiaries (Direct + Indirect)
Women empowerment & Gram Siddhi Program	By FY 2029-30	3,926 Beneficiaries (Direct + Indirect)	3,526 beneficiaries (Direct + Indirect)

Particulars	Target/Timeline	Status at the end of FY 2025-26	Status at the end of FY 2024-25
BRSR Core Assurance	From 2023-24	Reasonable Assurance undertaken	Voluntary Limited Assurance undertaken
Target to get low ESG risk ratings/Score.	By FY 2026-27	Ongoing discussions with rating providers	In discussion stage
Climate Impact Reporting and became a member of CDP and attain a rating of A.	By FY 2027-28	Participated in CDP	Planned for FY 2025-26
Sustainability Report to be aligned with international reporting frameworks.	Continued Progress	Aligned with GRI, SASB, and TCFD frameworks	Aligned with SDG and GRI Standards