PNB Housing Finance Limited

Climate Impact & Sustainability Data (2023-04 to 2024-03, 2024-09 to 2024-12)

Total Carbon Emissions:2581.54 tCO2e/year

Scope 1 Emissions:53.02 tCO2e/year

Scope 2 Emissions:2528.52 tCO2e/year

Renewable Energy Share:0%

Total Energy Consumption:13428.57 GJ/year

Water Consumption:37594.50 KL/year

Waste Generated:31.96 tons/year

Deployment of LEDs at offices resulting in energy savings and carbon emission reduction
Use of low VOC paints for cleaner office ambience
Energy efficient architecture of offices resulting in reduced energy consumption
Use of 3-star and above rated appliances for energy and carbon emission reduction
Optimized design and layout of HVAC for pleasant workplaces and enhanced employee productivity
Provision for natural sunlight for offices through glass windows resulting in optimum luminous flux and reduction in lighting load
Sensor-based programming of lift operations for reduced energy consumption
Use of clay-based cutlery and glass water bottles contributing to plastic-free premises
Adoption of digital channels/platforms/app for customers resulting in reduction in customer commute to offices and paper savings
Use of low volume taps in lavatories for reduced water consumption

Various well-being measures for employees including health insurance, accident insurance, maternity benefits, and paternity benefits covering 100% of permanent employees.
Various CSR initiatives focusing on empowering women, supporting education, improving healthcare, and environmental sustainability.
Progress in diverse representation of workforce (female, geographic, and academic).

100% coverage by training and awareness programs on principles under NGRBC for Board of Directors and Key Managerial Personnel.
Implementation of Anti-Bribery and Anti-Corruption Compliance Policy.

Climate change posing financial risk for financial institutions.
Non-linear and uncertain nature of climate risk (physical and transition) threatening the resilience of the BFSI sector.

Onboarding a team to steer climate literacy and create awareness among employees about ESG.
Considering exploring sustainable and green finance.

Ensuring value chain partners conform to applicable laws and government regulations, including human rights requirements.

Frameworks Used: GRI, TCFD

Certifications: ISO 9001:2015, ISO 27001

Third-party Assurance: Not applicable

20000+ saplings plantation in Chennai & Hyderabad with potential for carbon sequestration
Reduced CO2e Emissions Intensity (Scope 3 – Business Travel) to ~0.18 Ton/passenger

16.5%+ Women Employees support for the visually impaired In Senior Management & Above
80%+ Women Primary Loan Applicants
30%+ Women Loan Applicants/CoApplicants
300+ Hours clocked in POSH training
6000+ Students impacted by the launch of Digital Shaala
15000+ Hours Beyond the Fence