India Shelter Finance files BRSR for FY26
India Shelter Finance Corporation filed its Business Responsibility and Sustainability Report for FY26, disclosing environmental metrics including Scope 1 emissions of 12.72 tCO2e and total energy consumption of 1,775.99 GJ. The report highlights the company's focus on affordable home loans and financial inclusion, while confirming no adverse regulatory orders were received.
*this image is generated using AI for illustrative purposes only.
India Shelter Finance Corporation filed its Business Responsibility and Sustainability Report (BRSR) for the financial year 2025-26 with the stock exchanges on June 22, 2026. The filing, submitted pursuant to Regulation 34 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, outlines the company's commitment to ethical business conduct and sustainable growth. The report highlights the company's focus on affordable home loans for low- and middle-income individuals in Tier 2 and Tier 3 cities.
The disclosures in the report are made on a consolidated basis. As of 31 March 2026, the company stated it has no wholly owned subsidiary. The report identifies several material responsible business conduct issues, including climate change resilience, energy management, and financial inclusion. The company views financial and digital inclusion as a strategic opportunity to broaden its customer base and promote social equity.
Material Issues and Governance
The report details the rationale for identifying key risks and opportunities. Regarding climate change, the company acknowledges that climate risks pose a complex array of challenges but notes that integrating climate assessments into credit evaluation can mitigate these risks. The company also emphasizes that business ethics is both a risk and an opportunity, with strong ethical practices enhancing brand reputation and investor confidence.
To manage these issues, India Shelter has adopted several policies and standards, including ISO/IEC 27001:2022. The company has a Board-approved Human Rights Policy led by the CHRO and HR department. It also maintains a Code of Conduct applicable to all employees and Directors to avoid conflicts of interest.
Environmental and Social Performance
The company reported its environmental impact metrics, noting that as a financial services entity, energy intensity in terms of physical output is not applicable. However, it disclosed water consumption and greenhouse gas emissions data. During FY 2025-26, the company enhanced its GHG accounting methodology by incorporating fugitive emissions from refrigerants, resulting in the reporting of Scope 1 emissions for the current year.
| Metric | Value |
|---|---|
| Total Water Consumed (kL) | 2,577 |
| Total Energy Consumed (GJ) | 1,775.99 |
| Scope 1 Emissions (tCO2e) | 12.72 |
| Scope 2 Emissions (tCO2e) | 1,296.63 |
| Scope 3 Emissions (tCO2e) | 1,056.02 |
On the social front, the company reported that 100% of its Board of Directors, Key Managerial Personnel, and other employees were covered by awareness programmes on ESG principles during the financial year. The company confirmed it does not have any permanent workers, and therefore, certain metrics related to workers were not applicable.
Stakeholder Engagement and Consumer Grievances
India Shelter identified its key stakeholders as customers, employees, shareholders, investors, regulators, lenders, rating agencies, and communities. The company engages with these groups on a continuous basis to drive policy changes. For consumer grievances, the company operates a 3-level redressal mechanism involving branches, toll-free numbers, and a Chief Grievance Redressal Officer.
The report confirms that the company has not received any adverse orders from regulatory authorities regarding anti-competitive conduct. It also stated that no Social Impact Assessments were undertaken during the year as its operations did not result in the displacement of any population.
Historical Stock Returns for India Shelter Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +1.37% | -0.53% | -0.25% | -6.59% | -10.98% | +43.70% |
How will the integration of climate assessments into credit evaluation impact the company's loan approval rates and risk profile in the coming years?
What specific targets has India Shelter set to reduce its Scope 2 and Scope 3 emissions following the enhancement of its GHG accounting methodology?
How does the company plan to leverage financial and digital inclusion strategies to expand its market share in Tier 2 and Tier 3 cities?
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