At Vivriti, sustainability is deeply embedded in our vision, driving meaningful change through responsible financing and impact-driven investments. Our 4th Sustainability Report, “Amplifying Last-Mile Impact,” captures our progress in Sustainability & Impact (S&I) in FY 2024–25, showcasing how sustainability has evolved from a support function to a core driver of our business strategy.
Driving this transformation is a reimagined impact framework rooted in global standards like IMP, ToC, and the SDGs. With a clear impact thesis and IRIS+ aligned KPIs, it prioritizes last-mile outcomes and themes like gender, clean mobility, agriculture, and climate. Strong data systems and borrower engagement ensure integrity, while potential negative impacts are actively assessed.
As a TCFD signatory, we’ve begun a 3–5 year roadmap to align with global climate disclosure standards. A key milestone was our first globally certified Green Bond, reinforcing our commitment to sustainable finance. This was followed by reporting financed emissions for the green bond (Category 15) under PCAF to deepen our understanding of climate risks and opportunities.
Vivriti’s Sustainability & Impact (S&I) team has played a catalytic role in raising impact-aligned capital, helping us transition from purely commercial funding to mainstreaming impact investing. By building trust and scaling solutions, we’ve fostered a growing ecosystem of investors committed to sustainable development. Through stewardship and advisory, we've cultivated sustainability champions, embedding ESG values across institutions.
We’ve also seen our commitment translate into measurable outcomes, our S&P Global ESG score improved from 44 to 55, this substantial maturity in the score is a signal to investors and stakeholders on our commitment and accountability, alignment with international best practices and enhanced ability to not just manage ESG risks but also seize every ESG related opportunity.
Looking ahead, we are doubling down on integration and intentionality - embedding TCFD and other global frameworks into our disclosures, sharpening our climate risk and social equity lens, and building resilience across all touchpoints. Our vision is clear - to lead with purpose, building a financial ecosystem where returns and impact are not trade-offs, but twin outcomes of every decision we make.
Smitha Jain Arora
Head – Sustainability & Impact, Vivriti Group
We, at Vivriti, are developing the ecosystem for India’s performing credit economy. VAM comprises a dual mandate to achieve attractive risk-adjusted financial returns alongside measurable, positive societal impact.
Through impact measurement of our investments, we are able to better understand whether the transformation we are striving for is indeed taking place, helping us reclaim why we exist to do what we do.
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Ms Namrata Kaul brings on board over 30 years of global banking experience. She has served as the Managing Director, Corporate and Investment Banking at Deutsche Bank AG. Prior to that she was Head of Asia Business for Deutsche Bank based out of London, involved in multi country interface. Ms Kaul has been involved in developing the strategy roadmap for Deutsche Bank India as part of the India Board and was instrumental in defining and executing the Asia Focus strategy for the EMEA business. She was the founder of Deutsche Bank's Diversity initiative in India. Ms Kaul had earlier worked with ANZ Grindlays Bank in various leadership roles across Treasury, Corporate Banking, Debt Capital Market and Corporate Finance in India and the UK.
Ms Kaul serves on the Board of CARE International. She is a Management Postgraduate from IIM Ahmedabad and has completed a Chevening scholarship on Leadership from London School of Economics.
