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ESG at the Organization

As one of the largest business houses in India, Muthoot Pappachan Group (MPG) realizes that it has a commitment towards the environment and society, which led it to pioneer a whole new energy farming culture.

Wind energy being the most cost-effective resource in India today, MPG had established wind farms in Tamil Nadu as early as 1993. Today, with its manifold farms, the total installed capacity in wind power is 25 megawatts. Significantly, MPG has put plans in place to double its wind power generation capacity.

Comprehensive ESG Policy Document

Muthoot Microfin Limited (“Muthoot”/ “MML”), the microfinance arm of Muthoot Pappachan Group is one of the leading and fast-growing microfinance institutions (NBFC-MFI) in India. The company is focused on providing micro-loans to women entrepreneurs with a focus on rural regions of India. It provides financial assistance through micro loans such as income generating loans to women engaged in small businesses. Delivering financial services to masses including underprivileged and disadvantaged people, living in the rural sectors of the Indian society at affordable terms, in quick turnaround time and with hassle-free processing is the aim of our financial inclusion drive.

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Vision and Core ESG Principles

Vision

To be the most innovative and successful financial institution serving the needs of unserved and underserved in a timely, transparent, and affordable manner.

Core ESG Principles

The policy reinforces MML’s commitment to sustainable development, guiding stakeholders in responsible practices to prevent harm and uphold ESG principles within legal boundaries.

E (Environmental), S (Social), G (Governance)

Protecting Environment
  • Creates employment opportunities in India’s rural sectors leading to less migration and less burden on urban infra and thereby reduces pollution.
  • Seventy percent of finance offerings are utilised for agricultural and related activities.
  • Promotes renewable energy & wellbeing by financing solar lanterns, sanitation facilities and bicycles.
  • Undertakes sapling plantations across our operational geographies.
  • Organisation is moving towards total paperless operations.
  • As per MicroEnergy Credits:

Muthoot Microfin has empowered 6,52,205 households with clean energy.Has empowered 2,813,608 individuals.Helped reduce 5,01,085 tonnes CO2 emissions.

Protecting Environment
Care for Society (Social)
  • Committed to Financial Inclusion and Women Empowerment
  • Diverse and highly experienced Board of Directors
  • #RestartIndia campaign helping micro and small enterprises to restart businesses post Covid-19 crisis
  • Offers skill development training to rural women to help them find jobs or start their own ventures with minimum capita
  • Gives utmost importance to customer relationships and apart from grievance mechanism and customer care cells, engages them on social media
  • For employees, the organisation offers the Industry best remuneration, monthly & yearly bonuses, upskilling training programs, paid leaves and much more apart from the legally bound benefit
  • Employee Protection Policies safeguard employees' rights.
  • Varied employee engagement activities are held continuously to keep up the morale and mental health of employees
Care for Society
Ensuring Good Governance
  • Long-term strategic and sustainable vision for the organisation
  • Diverse and highly experienced Board of Directors.
  • Properly structured Board capable of taking independent and objective decisions
  • Equal participation of Independent and Women directors in the board
  • Equal participation of Independent and Women directors in the board
  • Auditor independence and transparency
  • Emphasis on shareholder rights
  • Board remains in effective control of the affairs of the company
  • Transparent financial reporting
  • Addresses interest of all stakeholders
  • Operates in a highly regulated environment with an excellent compliance track record.
Ensuring Good Governance

Human Rights Policy

Framework – Human Dignity & Security Services

Framework – Child & Forced Labour

Management of Conflict of Interest

Gender Equal Opportunity

Water Policy

GHG Policy

Energy Management

Waste Management

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Muthoot Microfin is a part of Muthoot Pappachan Group (also known as Muthoot Blue). We have inherited values, principles of integrity, collaboration, and excellence to take forward our legacy of 133+ years and empower millions of Indians in their grit and determination to rise above the ordinariness towards an aureate tomorrow. With a pan India network, operations of the company are designed to promote entrepreneurship among women and financial inclusion.

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Muthoot Microfin Limited
5th Floor, Muthoot Towers
M.G.Road Ernakulam – 682035

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Muthoot Microfin Customer Grievance Number: 1027 631 (toll-free)