Stakeholder Engagement

Ensuring robust engagement with our diverse stakeholder base is paramount to our organisational ethos. We are committed to establishing and maintaining meaningful connections with stakeholders, responding effectively to their needs and concerns.

Our goal is to cultivate enduring and mutually beneficial relationships, thereby generating sustainable value for all stakeholders involved. Consistent and proactive engagement underscores our dedication to fostering collective prosperity. To facilitate this engagement, we have implemented dedicated mechanisms designed to ensure inclusivity, transparency, and accountability in our interactions. We actively seek and incorporate stakeholder feedback into our strategic decision-making processes, enabling us to effectively gauge the impact of our initiatives.

SOCIETY AND COMMUNITY

Our value addition

₹ 73+ Lakh

Beyond-lending impact investment in FY24

47

Livestock awareness & Financial literacy camps organised in FY24

59%

Women borrowers in FY24


Key concerns

  • Better livelihood opportunities
  • Service access to underserved areas
  • Livestock capital and productivity
  • Gender inclusion
Our engagement model

  • Interacting with key communities with beyond-lending impact initiatives
  • Organising livestock awareness programmes & upholding financial literacy programmes
  • Beyond-lending engagements such as tree plantation
  • Funding women-led enterprises
Frequency

  • Daily
  • Quarterly
  • Bi-annually

CUSTOMERS

Our value addition

₹ 665 crore

Credit disbursed in FY24


Key concerns

  • Better access to credit services
  • Income enhancement
  • Transparent dealings
  • Enhanced customer service
  • Service excellence
Our engagement model

  • Loan Relationship Officer
  • Branch Credit Officer
  • Customer lifecycle management team
  • SMS and calls
  • Feedback surveys
  • Connect through free doorstep veterinary services
Frequency

  • Daily

EMPLOYEES

Our value addition

₹ 47+ crore

Invested towards employee benefit in FY24

48 hours

Time to resolve any employee grievances


Key concerns

  • Career upliftment opportunities
  • Continuous learning and training
  • Robust grievance redressal mechanism
  • Inclusive work culture
  • Fair remuneration
  • Work-life balance
Our engagement model

  • Equal employment opportunity
  • Fair and objective appraisals
  • Open communication channels
  • L&D initiatives
  • Internal publications and circulars
  • Feedback and surveys
  • Engagement initiatives and overall wellbeing
Frequency

  • Monthly
  • Quarterly
  • Bi-annually
  • Annually

INVESTORS

Our value addition

₹ 85.1 crore

Equity fund raised in FY24

8.1%

Return on equity in FY24 (-12.6% in FY23)


Key concerns

  • Return on investment
  • Ethical business practices and corporate governance
  • Sustainable performance and value creation
  • Transparent disclosure
  • Timely disclosure
Our engagement model

  • Annual and quarterly investor meets/calls
  • Investor presentations
  • Annual General Meeting
  • Investor grievance channels
  • Annual report
Frequency

  • Quarterly
  • Annually

REGULATORS


Key concerns

  • Statutory and legal compliance
  • Timely reporting
Our engagement model

  • Timely reporting
  • Periodical submission of business performance
  • Written communications
Frequency

  • Quarterly
  • Bi-annually
  • Annually