{"id":3423,"date":"2023-05-20T11:13:40","date_gmt":"2023-05-20T11:13:40","guid":{"rendered":"https:\/\/www.jaimahakalgreentech.com\/kogta\/?page_id=3423"},"modified":"2023-06-02T10:19:54","modified_gmt":"2023-06-02T10:19:54","slug":"sustainability-policy","status":"publish","type":"page","link":"https:\/\/www.kogta.in\/esg\/sustainability-policy\/","title":{"rendered":"Sustainability Policy"},"content":{"rendered":"<section data-bb-version=\"4.5.6\" id=\"bt_bb_section69e2b2f493048\"  data-background_image_src=\"'https:\/\/www.kogta.in\/esg\/wp-content\/uploads\/2023\/05\/1640610426_carbanner-1.jpg'\" class=\"bt_bb_section bt_bb_layout_wide bt_bb_vertical_align_top btLazyLoadBackground bt_bb_background_image bt_bb_background_overlay_dark_solid bt_bb_top_spacing_ bt_bb_bottom_spacing_\" style=\"background-image:url(&#039;https:\/\/www.kogta.in\/esg\/wp-content\/plugins\/bold-page-builder\/img\/blank.gif&#039;);\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_&quot;,&quot;xxl&quot;:&quot;&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_&quot;,&quot;xxl&quot;:&quot;&quot;}}\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row\"  data-bt-override-class=\"{}\"><div data-bb-version=\"4.5.6\"  class=\"bt_bb_column col-xxl-12 col-xl-12 col-xs-12 col-sm-12 col-md-12 col-lg-12 bt_bb_vertical_align_top bt_bb_align_left bt_bb_padding_normal bt_bb_shape_inherit\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_column_content_inner\"><div data-bb-version=\"4.5.6\" class=\"bt_bb_separator_v2 bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_medium bt_bb_border_thickness_1 bt_bb_icon_size_normal bt_bb_text_size_normal bt_bb_separator_v2_without_content\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_medium&quot;,&quot;xxl&quot;:&quot;medium&quot;},&quot;bt_bb_border_thickness_&quot;:{&quot;current_class&quot;:&quot;bt_bb_border_thickness_1&quot;,&quot;xxl&quot;:&quot;1&quot;},&quot;bt_bb_icon_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_icon_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_text_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_text_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;}}\"><div class=\"bt_bb_separator_v2_inner\"><span class=\"bt_bb_separator_v2_inner_before\"><\/span><span class=\"bt_bb_separator_v2_inner_content\"><span  data-ico-=\"\" class=\"bt_bb_icon_holder\"><\/span><\/span><span class=\"bt_bb_separator_v2_inner_after\"><\/span><\/div><\/div><div data-bb-version=\"4.5.6\" class=\"bt_bb_separator_v2 bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_medium bt_bb_border_thickness_1 bt_bb_icon_size_normal bt_bb_text_size_normal bt_bb_separator_v2_without_content\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_medium&quot;,&quot;xxl&quot;:&quot;medium&quot;},&quot;bt_bb_border_thickness_&quot;:{&quot;current_class&quot;:&quot;bt_bb_border_thickness_1&quot;,&quot;xxl&quot;:&quot;1&quot;},&quot;bt_bb_icon_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_icon_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_text_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_text_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;}}\"><div class=\"bt_bb_separator_v2_inner\"><span class=\"bt_bb_separator_v2_inner_before\"><\/span><span class=\"bt_bb_separator_v2_inner_content\"><span  data-ico-=\"\" class=\"bt_bb_icon_holder\"><\/span><\/span><span class=\"bt_bb_separator_v2_inner_after\"><\/span><\/div><\/div><header data-bb-version=\"4.5.6\" class=\"bt_bb_headline story-head bt_bb_font_weight_light bt_bb_subheadline_text_transform_default bt_bb_color_scheme_6 bt_bb_dash_none bt_bb_size_inherit bt_bb_align_center story-head\" style=\"; --primary-color:#ffffff; --secondary-color:#1b3060;\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_inherit&quot;,&quot;xxl&quot;:&quot;inherit&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;xxl&quot;:&quot;center&quot;}}\"><h2 style=\"font-size:40px\" class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span>Sustainability at Core<\/span><\/span><\/h2><\/header><div data-bb-version=\"4.5.6\" class=\"bt_bb_separator_v2 bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_normal bt_bb_border_thickness_1 bt_bb_icon_size_normal bt_bb_text_size_normal bt_bb_separator_v2_without_content\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_border_thickness_&quot;:{&quot;current_class&quot;:&quot;bt_bb_border_thickness_1&quot;,&quot;xxl&quot;:&quot;1&quot;},&quot;bt_bb_icon_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_icon_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_text_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_text_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;}}\"><div class=\"bt_bb_separator_v2_inner\"><span class=\"bt_bb_separator_v2_inner_before\"><\/span><span class=\"bt_bb_separator_v2_inner_content\"><span  data-ico-=\"\" class=\"bt_bb_icon_holder\"><\/span><\/span><span class=\"bt_bb_separator_v2_inner_after\"><\/span><\/div><\/div><div data-bb-version=\"4.5.6\" class=\"bt_bb_separator_v2 bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_medium bt_bb_border_thickness_1 bt_bb_icon_size_normal bt_bb_text_size_normal bt_bb_separator_v2_without_content\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_medium&quot;,&quot;xxl&quot;:&quot;medium&quot;},&quot;bt_bb_border_thickness_&quot;:{&quot;current_class&quot;:&quot;bt_bb_border_thickness_1&quot;,&quot;xxl&quot;:&quot;1&quot;},&quot;bt_bb_icon_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_icon_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;},&quot;bt_bb_text_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_text_size_normal&quot;,&quot;xxl&quot;:&quot;normal&quot;}}\"><div class=\"bt_bb_separator_v2_inner\"><span class=\"bt_bb_separator_v2_inner_before\"><\/span><span class=\"bt_bb_separator_v2_inner_content\"><span  data-ico-=\"\" class=\"bt_bb_icon_holder\"><\/span><\/span><span class=\"bt_bb_separator_v2_inner_after\"><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section data-bb-version=\"4.5.6\" id=\"bt_bb_section69e2b2f4933cf\"  class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_medium bt_bb_bottom_spacing_medium\"  data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_medium&quot;,&quot;xxl&quot;:&quot;medium&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_medium&quot;,&quot;xxl&quot;:&quot;medium&quot;}}\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div data-bb-version=\"4.5.6\" class=\"bt_bb_row_wrapper\"><div  class=\"bt_bb_row bt_bb_shape_inherit\"  data-bt-override-class=\"{}\"><div data-bb-version=\"4.5.6\"  class=\"bt_bb_column col-xxl-12 col-xl-12 col-xs-12 col-sm-12 col-md-12 col-lg-12 bt_bb_vertical_align_top bt_bb_align_left bt_bb_padding_normal bt_bb_shape_inherit\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_column_content_inner\"><div data-bb-version=\"4.5.6\"  class=\"bt_bb_text\" >        <!-- wrt_print_rt_wp_responsive_tabs_func -->                \r\n                \r\n                \r\n                            \r\n            \r\n              <!-- wrt_print_rt_wp_responsive_tabs_style --><style>\r\n\r\n                    .tab_set1 .vresp-tabs-list{margin-left: 0px}\r\n                    .tab_set1 a{box-shadow:none;border-bottom:none}\r\n                    .tab_set1 h2heading.resp-tab-active span.resp-arrow{border-bottom:12px solid }\r\n                    .tab_set1 .vresp-tab-active span.resp-arrow{border-bottom:12px solid }\r\n                    .tab_set1 .resp-arrow{border-top:12px solid #000000}\r\n                    .tab_set1 .resp-tab-content{color:#000000;border:1px solid  }\r\n                    .tab_set1 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           \r\n                    <div id=\"tab_set1\" class=\"tab_set1\">\r\n                        \r\n                      <ul  class=\"vresp-tabs-list hor_tab_set1\">\r\n                             \r\n                              <li data-isajaxloaded=\"0\" data-tabid=\"1\">ESG Journey<\/li> \r\n                              \r\n                              <li data-isajaxloaded=\"0\" data-tabid=\"15\">Sustainability Governance<\/li> \r\n                              \r\n                              <li data-isajaxloaded=\"0\" data-tabid=\"14\">Responsible Lending<\/li> \r\n                              \r\n                              <li data-isajaxloaded=\"0\" data-tabid=\"5\">Goals & Commitments<\/li> \r\n                              \r\n                              <li data-isajaxloaded=\"0\" data-tabid=\"2\">Sustainability Policy<\/li> \r\n                                                <\/ul>\r\n                      <div class=\"vresp-tabs-container hor_tab_set1\">\r\n\r\n                            \r\n\r\n                              <div id=\"tab_tab_set1_1\">\r\n                                 <p>The process of incorporating ESG into our business and financing decisions began by adopting a board approved ESG Policy. We began our journey of responsible lending through ESG due diligence during the credit phase, a process to ensure ESG compliance and develop action plan for improvement. Our ESG policy ensures that our services and operations are socially and financially sustainable and reflect a shift towards promoting environmental sustainability.<\/p>\n<p>We have a dedicated multi-tier governance framework to effectively integrate and monitor Environmental, Social &amp; Governance (ESG) principles within the company. This sustainability governance structure encompasses the Board of Directors, Sustainability Committee, ESG Steering Group, and ESG Implementation team.<\/p>\n<p>&nbsp;<\/p>\n                              <\/div>\r\n\r\n                            \r\n\r\n                              <div id=\"tab_tab_set1_15\">\r\n                                 <p><img class=\"size-full wp-image-3830 aligncenter\" src=\"https:\/\/www.kogta.in\/esg\/wp-content\/uploads\/2025\/06\/Final.png\" alt=\"kogta esg\" width=\"6000\" height=\"3375\" \/><\/p>\n                              <\/div>\r\n\r\n                            \r\n\r\n                              <div id=\"tab_tab_set1_14\">\r\n                                 <p>KFL integrates ESG criteria into its operations and financing decisions for screening the material ESG risks and Opportunities of every product offered. This ensures that our services and operations are sustainable from an environmental, social, and financial perspective. The integration of ESG into our financing decisions starts from due diligence through the credit phase.<\/p>\n<p>Our products are subject to ESG due diligence, which involves screening for potential ESG risks and ensuring ESG compliance. Each proposal undergoes a quantitative assessment through an ESG checklist and has to achieve a minimum ESG risk score to proceed further. Proposals not meeting the minimum required ESG risk score go through another high-level screening by senior management. KFL adheres to the ADB (Asian Development Bank) prohibited investment activities list and the IFC (International Finance Corporation) Performance Standards on Social &amp; Environmental Sustainability and strictly avoids doing business with any excluded entity. During the screening or diligence process, if material risks are identified, the borrower must develop an action plan to mitigate these risks or monitor ongoing progress on ESG aspects, as appropriate. We also obtain a declaration from our borrowers and vendors confirming compliance with our transparent and non-discriminatory ESG commitments outlined in our ESG policy.<\/p>\n<p><img class=\"size-full wp-image-3832 aligncenter\" src=\"https:\/\/www.kogta.in\/esg\/wp-content\/uploads\/2025\/06\/Final-2.png\" alt=\"kogta financial esg\" width=\"4419\" height=\"6250\" \/><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n                              <\/div>\r\n\r\n                            \r\n\r\n                              <div id=\"tab_tab_set1_5\">\r\n                                 <p>Kogta Financial (India) Limited (KFL) is committed to function as a responsible business, with an aim to fully align with and contribute to good Environmental, Social and Governance (ESG) practices. We have applied the principles of materiality in assessing the issues, opportunities and challenges that have a material impact on our business, and our ability to deliver sustained value to our shareholders and key stakeholders. Materiality assessment allows us to recalibrate our strategy and serves as an opportunity to address emerging risks and leverage opportunities to future-proof our business.<\/p>\n<p><img class=\"size-medium wp-image-3815 aligncenter\" src=\"https:\/\/www.kogta.in\/esg\/wp-content\/uploads\/2025\/05\/Screenshot-from-2025-05-27-15-39-29-640x471.png\" alt=\"kogta\" width=\"640\" height=\"471\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>KFL\u2019s sustainability strategy is structured around three fundamental pillars i.e., Responsible, Empower &amp; Accountable. These pillars are further divided into twelve focus areas encompassing ESG aspects. KFL has established goals for 2030 within each focus area and has crafted a roadmap to guide its endeavors toward achieving these objectives. The company is committed to monitoring its progress against these targets and disclose its performance publicly, providing stakeholders with transparent insights into its sustainability efforts.<\/p>\n<p>&nbsp;<\/p>\n<p><img class=\"size-medium wp-image-3765 alignnone\" src=\"https:\/\/www.kogta.in\/esg\/wp-content\/uploads\/2024\/06\/Screenshot-from-2024-06-04-14-56-01-1-640x590.png\" alt=\"kogta financial esg\" width=\"640\" height=\"590\" \/><\/p>\n                              <\/div>\r\n\r\n                            \r\n\r\n                              <div id=\"tab_tab_set1_2\">\r\n                                 <p><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/kogta.in\/admin\/public\/uploads\/media\/1748256587_ESG%20Policy.pdf\" target=\"_blank\" rel=\"noopener\">ESG Policy<\/a><\/span><\/strong><\/p>\n<p><a href=\"https:\/\/kogta.in\/investor\/policy\/\">Other ESG Related Policies<\/a><\/p>\n<p>&nbsp;<\/p>\n                              <\/div>\r\n\r\n                          \r\n\r\n                      <\/div>\r\n              <\/div>\r\n            <\/div>         \r\n            <!-- wrt_print_rt_wp_responsive_tabs_script --><script type=\"text\/javascript\">\r\n\r\n                              \r\n                var interval_69e2b2f493778 = setInterval(function() {\r\n\r\n                 if(document.readyState === 'complete') {\r\n                     \r\n                    clearInterval(interval_69e2b2f493778);\r\n                   \r\n                     jQuery('.tab_set1').easyResponsiveTabs({\r\n\r\n                          type: 'vertical', \/\/Types: default, vertical, accordion\r\n                          width: 'auto', \/\/auto or any width like 600px\r\n                          fit: true, \/\/ 100% fit in a container\r\n                          closed: 'accordion', \/\/ Start closed if in accordion view\r\n                          tabidentify: 'hor_tab_set1', \/\/ The tab groups identifier\r\n                          active_border_color: '',\r\n                          active_content_border_color: '',\r\n                          activetab_bg: '#ffffff',\r\n                          inactive_bg: '#ffffff'\r\n\r\n                      });\r\n\r\n                                           jQuery(\".tab_set1\").find(\".vresp-tabs-container\").css(\"minHeight\",jQuery(\".tab_set1\").find(\".vresp-tabs-list\").height()+5);\r\n                     \r\n                    \r\n                                            \r\n                        setTimeout(function(){ \r\n                        \r\n                        \r\n                         \r\n                         jQuery(\".tab_set1\").find('[data-tabid=\"\"]:first').trigger('click');\r\n                          jQuery(\".tab_set1\").css('visibility', 'visible'); \r\n\r\n                        }, 800);\r\n\r\n                        \r\n                        \r\n                        \r\n                        \r\n                  \r\n                  \r\n                      \r\n                   }    \r\n                }, 100); \r\n                   \r\n            <\/script><!-- end wrt_print_rt_wp_responsive_tabs_script -->\r\n         \r\n               \r\n               \r\n            <!-- wrt_print_rt_wp_responsive_tabs_style --><style>\r\n\r\n             .tab_set1 .vresp-tab-item:hover{\r\nborder-left: 0px!important;\r\n}   \r\n\r\n          <\/style><!-- end wrt_print_rt_wp_responsive_tabs_style -->   \r\n                \r\n<!-- end wrt_print_rt_wp_responsive_tabs_func -->\r\n    <\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/pages\/3423"}],"collection":[{"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/comments?post=3423"}],"version-history":[{"count":56,"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/pages\/3423\/revisions"}],"predecessor-version":[{"id":3680,"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/pages\/3423\/revisions\/3680"}],"wp:attachment":[{"href":"https:\/\/www.kogta.in\/esg\/wp-json\/wp\/v2\/media?parent=3423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}