OUR POLICIES

Environmental, Social & Governance (ESG) – An Overview

At IREP Credit Capital Private Limited, we are committed to drive positive changes and build a brighter, responsible, more inclusive future.

Our Environmental, Social, and Governance (ESG) policy is the cornerstone of this commitment, guiding our business operations on long-term value creation for our - customers, investors, employees, and the communities we serve. IREP is driven by its vision of making the underserved semi-urban and rural areas of the country’s financial system ‘Atmanirbhar’ by empowering local entrepreneurs realize their financial goals through quick, sustainable credit and last mile reach. We believe that integrating sound ESG practices is essential for risk management, competitive advantage, and positive societal impact.

Our ESG team, guided by the ESG Committee, works in collaboration with cross-functional teams to drive meaningful change. Their efforts are powerfully supported by our ESG Policy, built upon six (6) ESG Operational Principles that ensure every action we take is aligned with our vision for a sustainable and responsible future. These principles are critical to our business, representing the overarching framework on ESG and being integrated into our activities.

Our ESG Policy is implemented through six (6) operational principles:

• ESG Safeguards Compliance
• Environmental Conscious
• Workplace Well-being
• Borrower Protection
• Maintaining Business Integrity
• Stakeholder Engagement

At IREP, we have implemented an Environment and Social Management System (ESMS) that helps us to minimize our impact on the planet and designed to ensure that we comply with all relevant laws and regulations, and that we strive to go beyond compliance in everything we do. Our focus areas include reducing our managing waste responsibly, and promoting sustainable resource use, value our people and the communities we operate, commitment to a diverse and inclusive workplace, fair labor practices, employee health and safety, and data privacy. We maintain the highest standards of ethics, corporate governance, and regulatory compliance. Our governance structure ensures accountability, transparency in reporting, and effective risk management oversight by our board of directors, and we adhere to a robust code of conduct to ensure all business is conducted with integrity.

For information and communication of any grievances, please reach out to our Grievance Redressal Officer - at grievanceredressal@irepglobal.com