Our ESG Priorities
From Financial Inclusion to Carbon Neutrality, our ESG agenda spans eight pillars. Each one is carefully chosen and actively measured.
₹ 45,083 crore
Surplus capital held above regulatory requirements across BFL, BHFL, Bajaj General Insurance and Bajaj Life Insurance
~96%
Responsible-investment coverage at Bajaj General and Bajaj Life, against an 80% target
Reasonable assurance
On BRSR Core (Scope 1 & 2, water, waste)
30 million
New-to-credit customers added by BFL in the last six financial years
49.1 million
Lives covered through integration with government health schemes in Bajaj General
7.40 lakh+
Women reached through group MFI lending, across 447 microfinance branches
99.3%
Retail claim settlement ratio (Bajaj Life)
1.23 per 10,000
Customer Grievance ratio (Bajaj General), among the lowest in the industry
94% | 82%
Urban and rural digital payments at BFL
~29%
Women insurance agents
(Bajaj Life 33%, Bajaj General 23%)
~14%
Gender diversity ratio
ISO 45001
Occupational Health and Safety Management System rolled out across offices
90.4 million units
Wind power generated; total green electricity
800,000+
Saplings planted to date (2 lakh+ in FY2026)
61,042 tCO2e
Total Scope 1 + 2 emissions
₹ 416 crore
CSR expenditure
9.3 million
CSR beneficiaries for full project period
3.41 lakh
Youth skilled, across 34 impact-assessed projects
Sustainability is embedded in the businesses of Bajaj Finserv, built on the belief that those who inherit the earth deserve to inherit it greener. As the Bajaj Group completes a centenary, these are foundational roots that will build our future.
Backed by a clear, consultant-developed roadmap, Bajaj Finserv is targeting carbon neutrality across Scope 1 and Scope 2 emissions by 2032. Bajaj Finserv is already a net producer of renewable energy, generating more clean power than its entire operations consume.
61,042 tCO2e
FY2026 Scope 1 + 2 emissions
(Scope 1: 9,398; Scope 2: 51,644)
At Satara and Supa in Maharashtra, 138 wind turbines stand as the most visible symbol of our commitment to sustainability. With 65.2 MW of installed capacity, they generated about 90.4 million units of clean electricity in FY2026, exceeding Bajaj Finserv's total operational power consumption, making Bajaj Finserv Group a net generator of renewable energy.
In rural Maharashtra, the most meaningful climate action happens at the hearth. Bajaj Finserv has distributed 22,500 cleaner cooking alternatives through its Improved Cookstove (ICS) Programme, replacing traditional three-stone high-emission traditional stoves that fill kitchens with smoke and impact the health of families. The programme targets 67,500 beneficiaries over three years, cutting emissions, generating carbon credits, and delivering real health and economic benefits to families.
Across its operations and customers' homes, Bajaj Finserv is making every unit of energy count. Bajaj Finance disbursed over ₹4,000 crore to finance over 13.5 lakh five-star and above energy-efficient appliances in FY2026, reducing household energy consumption at scale. Internally, energy intensity improved to 47.62 per crore of revenue (from 50.29), driven by a phased LED rollout, retrofit emission-control devices on diesel generators, ozone-friendly refrigerants and 757 KW of rooftop solar generating 3.77 lakh units of clean power.
Over 8 lakh saplings planted across India. 720 crore sheets of paper have been avoided over three years – the equivalent of preserving roughly 8.6 lakh trees. Ecological restoration and local climate resilience is a key aspect of our sustainability strategy. It is woven into how we operate, procure and grow.
