Leadership Message

At Aavas, sustainability is integral to our mission of enabling affordable homeownership for underserved communities. We are committed to a more equitable and resilient future, leveraging ESG principles to drive tangible change. Our focus is on three core pillars: financial inclusion for low-to-middle-income groups, operating as a responsible business through strong governance, a customer first approach and active environmental stewardship through initiatives like our Green Home program and digitization efforts. We are not just financing homes, we are empowering dreams and shaping a sustainable and inclusive India for future generations.

Mr. Sachinder Bhinder

Managing Director & CEO

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 2024-2025

33.02 tCO₂e

Scope 1 emissions
2,746.02 tCO₂e

Scope 2 emissions
348

Self-built green home financed
FY49-50

Carbon neutrality target
13,051

Trees planted
620 KWP

Solar plant installed
LEED Gold

Central Support Office certified

Social

2,08,000

Total Active Customers
9,428

Total Employees
5.69%

Women in workforce
2,91,951+

Training Hours
100%

Employees covered under Medical benefits
Prerna Program

Aimed to empower women
3,526+

Women empowered through Gram Siddhi Program
14,12,000+

Total Youth benefitted through Education & Holistic Development
54,00,000+

Total lives touched through CSR initiatives

Governance

33%

Independent directors
33%

Women Directors
11%

Executive Director
Yes

Board Level CSR & ESG Committee
Yes

ESG Policy & ESG Targets
Yes

BRSR Core Assured
₹20,420

Asset Under Management (AUM)
₹574

Profit after Tax (PAT)

Our Goal

Target	Timeline	Status at the end of FY 24-25	Status at the end of FY 23-24
Carbon Neutrality (Scope 1 & 2 Emissions)	70% by FY 2032-33 and 100% by FY 2049-50	47.72%	20.59%
Scope 3 Emissions (Plastic & Paper Waste)	50% by FY 2027-28	44.00%	-
Carbon Offset Planting 70,000 Trees Solar Plant 3,500 KWP Green Housing Offset	By FY 2029-30	13,051 trees planted Installed 620 KWP Solar Plant 348 certified Self-Built Green Homes	1,850 trees planted Installed 295 KWP Solar Plant 150 certified Self - Built Green Homes

Target	Timeline	Status at the end of FY 24-25	Status at the end of FY 23-24
Increase Women Workforce up to 8%	By FY 2027-28	5.69%	4.89%
Incresse women workforce in H.O. & related office up to 25%	By FY 2027-28	26.91%	24.26%
Maintain Fresh Hire up to 20%	Every year	36.70%	23.12%
Increase the Specially Abled Employees up to 10	By FY 2027-28	2	2
CSR:- Engage 5,50,000 + people in Education & Holistic Development. Engage 4,50,000+ beneficiary through women empowerment and Gram Siddhi Program.	By FY 2029-30	3,42,012 Beneficiaries (Direct + Indirect) 3,526 Beneficiaries (Direct + Indirect)	1,17,000 Beneficiaries (Direct + Indirect) 52,800 Beneficiaries (Direct + Indirect)

Target	Timeline	Status at the end of FY 24-25	Status at the end of FY 23-24
BRSR Core Assurance	From 2023-24	The Company has voluntarily assured on BRSR Core Standards.	The Company has voluntarily assured on BRSR Core Standards.
Target to get low ESG risk ratings/Score.	-	The Company is in discussion with various ESG Rating Providers.	-
Climate Impact reporting and became a member of CDP and attain a rating of A.	By FY 2027-28	The Company will go for CDP rating in FY 25-26.	-
Sustainability Report to be aligned with international reporting frameworks.	-	The Company aligns its report with SDG as well as GRI standards.	The Company aligns its report with SDG as well as GRI standards.