ESG Policies of Company has been implemented to set roadmap for integrating sustainability into all business operations and our product offerings resulting in conducting business in a responsible manner and to establish strategy to communicate our sustainability performance to all stakeholders in a transparent and regular manner

This policy seeks to define and establish the mechanism for employees of IIFL Home Financeon the framework for reporting instances of unethical/ improper conduct and auctioning suitable steps to investigate and correct the same. Accordingly, this policy details the following:

• Procedure to disclose any suspected unethical and/or improper practice taking place in the Company
• Protection available to the person making such disclosure in good faith
• Mechanism for auctioning and reporting on such disclosures to the relevant authority within the Company; and Relevant authority and its powers to review disclosures and direct corrective action relating to such disclosures. Vigilance Mechanism

The purpose of Internal Guidelines on Corporate Governance is to adopt best practices and greater transparency in the operations of the Company and in compliance with the guidelines on Corporate Governance issued by Reserve Bank of India vide Circular No. DNBR (PD) CC. No. 029/ 03.10.001/2014-15 dated April 10, 2015.

We seek ways to minimize negative impacts on the environment while maximizing opportunities for improvement in our environmental performance. Our Environmental Policy serves as a guiding document to implement and adopt best practices so as to minimize the Company’s environmental footprint inclusive of energy consumption, water usage and discharge, waste management, and emission management, etc. in its business operations and across its value chain

IIFL Home Finance believes in the philosophy that injuries, illness and incidents (3Is) are preventable. We foster a safe working environment and carry out an active due diligence to ensure well-being of people and safety of assets.

The key purpose of this Policy is to define the broad development areas that the IIFL Home Financeshall undertake, outline the governance structure for CSR management within the IIFL Home Finance, serve as a guiding document to help identify, execute, and monitor CSR projects and explain the manner in which the surpluses from CSR projects will be treated.

Our commitment towards Diversity and Inclusion entails respecting people from diverse backgrounds and experiences and creating a safe environment to foster a culture of openness and inclusivity.

The manual helps us to understand the various policies, procedures, benefits, terms and conditions and other related matters pertaining to our employment at IIFL. It incorporates all the policies relating to members under one roof. It also gives us an understanding of the philosophy and work culture prevalent in the company.

The employees have the right to work in an environment, free from all forms of discrimination and conduct that can be considered harassing, coercive, or disruptive, including sexual harassment. The Company recognizes its responsibility towards safeguarding and protecting its employees from harassment, either by an internal or external source, and is committed to provide and ensure a safe, harassment-free working environment to all its employees.

The policy of IIFL Home Finance Limited on combating corruption and to conduct all of our business in an honest and ethical manner. We take a zero-tolerance approach to bribery and corruption and are committed to act professionally, fairly and with integrity in all our dealings wherever we operate. We are also committed to implement and enforce effective systems to counter bribery. This policy sets out the Company’s long-standing policy on bribery and other forms of unlawful payments in the form of Anti-Bribery and Anti-Corruption (ABAC) Policy.

IT policies and procedures establish guidelines for the use of information technology within an organization. In other words, it outlines what everyone is expected to do while using company assets.

The objective of Know Your Customer (KYC) and Anti-Money Laundering policy is to prevent banks from being used, intentionally or unintentionally, by criminal elements for money laundering. KYC procedures enable banks to know/understand their customers and their financial dealings better.

Through this policy, the company ensures that a suitable mechanism exists for receiving and addressing grievances from its customers and their constituents including pensioners, with specific emphasis on resolving such cases fairly and expeditiously regardless of source of the case.

The purpose of this policy is to eliminate and help to prevent malpractices, to investigate and resolve complaints, take appropriate action to safeguard the interests of the IIFL Home Finance and to ensure that any person making a complaint is protected, while at the same time actively discouraging frivolous and insubstantial complaints.

This Code of Conduct is a statement of the IIFL’s commitment to integrity and the highest standards of ethical practices. It defines the standards of conduct that is expected of all employees in order that the right decisions are taken in performing roles and responsibilities across various functions in the company.

This Code sets standards of practices to be followed when employees deal with individual customers. It provides protection to the customers and explains how the Company is expected to deal with the customers for their day-to-day operations.

The objective of the Code is to ensure that the Board of Directors and the Senior Management Personnel maintain the standards of conduct required of them and also become aware of those situations where there is likely to be a potential conflict between the interest of the Company and the interest of the Directors / Senior Management and in such circumstances, no step is taken against the interest of the Company.