August 28, 2024

The Secretary The Secretary

BSE Limited National Stock Exchange of India Limited
Pheeroze Jeejeebhoy Towers Exchange Plaza, 5th Floor,
Dalal Street, Fort, Plot No.- ‘C’ Block, G Block
Mumbai 400 001 Bandra-Kurla Complex, Bandra (East),
Scrip Code: 531595 Mumbai – 400 051
Scrip Code: CGCL

Sub: Submission of Business Responsibility and Sustainability Reporting (BRSR) for the Financial Year ended
March 31, 2024

Dear Sir / Madam,

Pursuant to Regulation 34(2)(f) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
and Exchange Notice number 20220715-14 dated 15th July 2022 regarding submission of Business
Responsibility and Sustainability Reporting on the environmental, social and governance disclosures by top
one thousand companies, please find enclosed herewith the Business Responsibility and Sustainability
Report for the Financial Year 2023-24.

You are requested to kindly take same on record.

Thanking you,

Yours faithfully,

for Capri Global Capital Limited

Digitally signed by Yashesh Pankaj Bhatt

Yashesh
DN: c=IN, o=Personal, title=6864,
2.5.4.20=b3e7ea901c9a729b6569714909dc8634
65c42a6ccee67d63a046221ffe69079d,
postalCode=400101, st=Maharashtra,

Pankaj Bhatt
serialNumber=6cf397ef478005ac82073195cebc3
c26bc9eaf314477eccca9d035912ec460db,
cn=Yashesh Pankaj Bhatt
Date: 2024.08.28 14:05:46 +05'30'

Yashesh Bhatt
Company Secretary
Membership No.: A20491

Encl.: Business Responsibility and Sustainability Reporting

Capri Global Capital Limited Annual Report 2023-2024

Annexure - V b. What is the contribution of exports as a percentage of the total turnover of the entity?
None
BUSINESS RESPONSIBILITY & SUSTAINABILITY REPORTING
c. A brief on types of customers
SECTION A: GENERAL DISCLOSURES We
 cater to customers across various geographies and socio-economic statuses, serving various segments including
I. Details of the listed entity MSMEs, individuals, institutions, and other diverse customer groups.
1. Corporate Identity Number (CIN) of the Listed Entity: L65921MH1994PLC173469
IV. Employees
2. Name of the Listed Entity: Capri Global Capital Limited 20. Details as at the end of the Financial Year:
3. Year of incorporation: 1994 a. Employees and workers (including differently abled):

4. Registered office address: 502, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel Mumbai - 400013 S. Particulars Total (A) Male Female
No. No. (B) % (B / A) No. (C) % (C / A)
5. Corporate address: 502, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel Mumbai - 400013 EMPLOYEES
6. E-mail: [email protected] 1. Permanent (D) 6,820 5,770 84.60% 1,050 15.40%
2. Other than Permanent (E) 0 0 0 0 0
7. Telephone: 022-40888100 3. Total employee (D + E) 6,820 5,770 84.60% 1,050 15.40%
WORKERS
8. Website: www.capriloans.in 4. Permanent (F) 0
9. Financial year for which reporting is being done: April 1, 2023 to March 31, 2024 5. Other than Permanent (G) 0
6. Total workers (F + G) 0
10. Name of the Stock Exchange(s) where shares are listed: The National Stock Exchange of India Limited and BSE Limited
b. Differently abled employees and workers:
11. Paid-up Capital: ₹824.94 Million
S. Particulars Total (A) Male Female
12. 
Name and contact details (telephone, email address) of the person who may be contacted in case of any queries on the No. No. (B) % (B / A) No. (C) % (C / A)
BRSR report: Mr. Aditya Gaur, Lead – ESG, [email protected], 022-40888100
DIFFERENTLY ABLED EMPLOYEES
13. Reporting boundary: Standalone 1. Permanent (D) 4 4 100 0 0
2. Other than Permanent (E) 0 0 0 0 0
14. Name of assurance provider: NA 3. Total differently abled 4 4 100 0 0
employees (D + E)
15. Type of assurance obtained: NA
DIFFERENTLY ABLED WORKERS
II. Products/services 4. Permanent (F) 0
5. Other than Permanent (G) 0
16. Details of business activities (accounting for 90% of the turnover):
6. Total workers (F + G) 0
S. No. Description of Main Activity Description of Business Activity % of Turnover of the entity
21. Participation/Inclusion/Representation of women
1 Financial and Insurance Service Financial and Insurance Service 100%
Total (A) No. and percentage of Females
17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): No. (B) % (B / A)
Board of Directors 7 1 14.29%
S. No. Product/Service NIC Code % of total Turnover
KMP 2* 0 0%
contributed
*MD has been considered in Board of Directors
1 Financial and Insurance Service 64920 100%
22. Turnover rate for permanent employees and workers (Disclose trends for the past 3 years)
III. Operations
18. Number of locations where plants and/or operations/offices of the entity are situated: FY 2023-24 * FY 2022-23 FY 2021-22
Male Female Total Male Female Total Male Female Total
Location Number of plants Number of offices Total Permanent Employees 32.80% 29.50% 32.30% 24.3% 8.8% 19.80% 23.7% 19.7% 23.50%
National NA 919 919 Permanent Workers NA NA NA NA NA NA NA NA NA
International NA NA NA *While calculating attrition, all employees who have attritted post 180 days voluntarily are only considered. The involuntary exits like Absconding
/ Disciplinary exits are not included while calculating attrition. Total turnover rate including the mentioned factors is 77.50%

19. Markets served by the entity:

a. Number of locations

Locations Number
National (No. of States) Pan India
International (No. of Countries) NA

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Capri Global Capital Limited Annual Report 2023-2024

V. Holding, Subsidiary and Associate Companies (including joint ventures) S. Material Indicate Rationale for identifying the In case of Financial implications of
No. issue whether risk/ opportunity risk, approach the risk or opportunity
23. (a) Names of holding / subsidiary / associate companies / joint ventures identified risk or to adapt or (Indicate positive or negative
opportunity mitigate implications)
S. Name of the holding/ Subsidiary/ Indicate whether % of Does the entity indicated at (R/O)
No. associate companies/ joint holding/ shares column A, participate in the
ventures (A) Subsidiary/ held by Business Responsibility initiatives 1. Corporate Opportunity Corporate governance and NA Positive and Negative
Associate/Joint listed of the listed entity? (Yes/No) governance and Risk business ethics are vital Prioritizing strong corporate
and for establishing trust with governance and ethical conduct
Venture entity
business stakeholders and boosting can bring about substantial
1 Capri Global Housing Finance Limited Subsidiary 100% No ethics Capri’s reputation. By focusing financial benefits. Increased trust
2 Capri Loans Car Platforms Pvt Ltd Subsidiary 100% No on transparency, accountability, and a strong reputation attract
and sustainable practices, Capri more investors, potentially
VI. CSR Details shows its dedication to these lowering capital costs.
principles. Failing governance protocols
24. (i) Whether CSR is applicable as per section 135 of Companies Act, 2013: (Yes/No) - Yes risks regulatory penalties,
reputational damage, financial
(ii) Turnover (in ₹) - 17,831.89 Million instability, liquidity crises,
and loss of licenses. Strict
(iii) Net worth (in ₹) - 35,042.11 Million
compliance ensures operational
integrity and long-term success.
VII. Transparency and Disclosures Compliances
2. Compliance Opportunity Compliance is crucial for NA Positive
25. Complaints/Grievances
 on any of the principles (Principles 1 to 9) under the National Guidelines on avoiding legal penalties and Effective compliance reduces
Responsible Business Conduct: maintaining the company’s the risk of costly fines and
reputation. Adhering to legal issues. It also improves
Stakeholder Grievance FY 2023-24 FY 2022-23 regulatory requirements operational efficiency and
group from Redressal enhances trust and credibility attracts investment by ensuring
Number of Number of Remarks Number of Number of Remarks with stakeholders. Treating adherence to regulations. This
whom Mechanism in complaints complaints complaints complaints compliance as a key priority proactive approach builds
complaint is Place (Yes/No) filed pending filed pending helps streamline operations investor confidence, supporting
received (If Yes, then during the resolution during the resolution and fosters a culture of integrity, long-term financial stability and
provide web-link year at close of year at close of positioning Capri as a reliable growth.
for grievance and responsible player in the
the year the year
market.
redress policy)
3 Data Opportunity Data privacy and protection To ensure data Positive and Negative
Communities Yes Nil Nil - Nil Nil - privacy and and Risk are essential for maintaining protection & Investing in data privacy and
Investors Yes Nil Nil - Nil Nil - protection customer trust and complying privacy, there are protection mitigates the risk
(other than with regulations. Prioritizing internal policies of costly data breaches and
shareholders)* this area demonstrates Capri’s and guidelines regulatory fines. It fosters
Shareholders Yes Nil Nil - Nil Nil - commitment to safeguarding to ensure the customer loyalty and attracts
sensitive information, collection, use and new clients, driving revenue
Employees and Yes 3 0 Resolved 2 0 -
reducing the risk of breaches storage of data is growth. Enhanced data
workers and Action
and associated reputational secure. security practices also improve
Taken damage. This proactive stance operational efficiency and
Customers Yes 275 8 All the 284 3 All the enhances the Capri’s credibility reduce potential financial losses,
8 Open 3 open and competitive advantage. contributing to long-term
Complaints complaints profitability and stability.
were were closed
closed by by April 13,
April 16, 2023. 4 IT and cyber Opportunity IT and cyber security are critical To mitigate IT and Positive and Negative
2024. security and Risk for protecting company assets cyber security risks, Effective cyber security can
Value Chain No - - - - - and sensitive information. While Capri implements enhance financial stability by
Partners robust cybersecurity practices robust security preventing costly breaches
offer a competitive edge and protocols, conducts and associated fines, boosting
Other (please - - - - - -
build customer trust, inadequate regular vulnerability customer confidence, and
specify) measures can lead to data assessments, ensuring business continuity.
* Investors (other than shareholders) are considered as Company’s debt securities (NCDs). breaches, legal penalties, and and ensures Similarly, poor cyber security
reputational damage. compliance with can result in significant financial
26. Overview of the entity’s material responsible business conduct issues industry standards. losses, regulatory penalties, and
loss of customer trust, severely
Please
 indicate material responsible business conduct and sustainability issues pertaining to environmental and social
impacting the market position.
matters that present a risk or an opportunity to your business, rationale for identifying the same, and approach to adapt
or mitigate the risk along with its financial implications, as per the following format

106 107
Capri Global Capital Limited Annual Report 2023-2024

SECTION B: MANAGEMENT AND PROCESS DISCLOSURES 11. Has

 the entity carried out an independent assessment/ P 1 P2 P3 P4 P5 P6 P7 P8 P9
This section is aimed at helping businesses demonstrate the structures, policies and processes put in place towards adopting evaluation of the working of its policies by an external No*
the NGRBC Principles and Core Elements. agency? (Yes/No). If yes, provide the name of the
agency.

Disclosure Questions P P P P P P P P P * The respective business heads and management conduct internal evaluations of the policies, after which they seek Board approval

1 2 3 4 5 6 7 8 9 12. If
 answer to question (1) above is “No” i.e., not all Principles are covered by a policy, reasons to be
Policy and management processes stated:
1. a. Whether your entity’s policy/policies cover each Yes Yes Yes Yes Yes Yes Yes Yes Yes
principle and its core elements of the NGRBCs. Questions P1 P2 P3 P4 P5 P6 P7 P8 P9
(Yes/No) The entity does not consider the principles material to its The Company considers all the principles material to the
b. Has the policy been approved by the Board? Yes Yes Yes Yes Yes Yes Yes Yes Yes business (Yes/No) business. It does not currently conduct independent third-party
(Yes/No) assessments of its policies.
c. Web Link of the Policies, if available All the policies are hosted on The entity is not at a stage where it is in a position to formulate No
• https://www.capriloans.in/corporate-governance/ and implement the policies on specified principles (Yes/No)
The entity does not have the financial or/human and No
• https://www.capriloans.in/esg-policies-and-disclosures/ technical resources available for the task (Yes/No)
whereas few of the policies are internal documents.
It is planned to be done in the next financial year (Yes/No) No
2. Whether
 the entity has translated the policy into Yes Yes Yes Yes Yes Yes Yes Yes Yes
procedures. (Yes / No) Any other reason (please specify) -
3. Do the enlisted policies extend to your value chain We promote responsible and sustainable practices throughout
partners? (Yes/No) our value chain, encouraging our partners to join us in adopting SECTION C: PRINCIPLE-WISE PERFORMANCE DISCLOSURE
ethical business conduct within their capabilities. This section is aimed at helping entities demonstrate their performance in integrating the Principles and Core Elements with
4. 
Name of the national and international codes/ Nil Nil Great Nil Nil Nil Nil Nil Nil key processes and decisions. The information sought is categorized as “Essential” and “Leadership”. While the essential
certifications/labels/ standards (e.g., Forest Place indicators are expected to be disclosed by every entity that is mandated to file this report, the leading indicators may be
Stewardship Council, Fairtrade, Rainforest Alliance, to Work voluntarily disclosed by entities that aspire to progress to a higher level in their quest to be socially, environmentally and
Trustee) standards (e.g., SA 8000, OHSAS, ISO, BIS) Certifi- ethically responsible.
adopted by your entity and mapped to each principle. cation
PRINCIPLE 1 Businesses should conduct and govern themselves with integrity, and in a manner
5. Specific commitments, goals and targets set by the Nil Nil Nil Nil Nil Nil Nil Nil Nil
entity with defined timelines, if any.
that is ethical, transparent and accountable.
6. 
Performance of the entity against the specific Nil Nil Nil Nil Nil Nil Nil Nil Nil Essential Indicators
commitments, goals and targets along with reasons in 1. Percentage coverage by training and awareness programs on any of the principles during the financial year:
case the same are not met.
Segment Total number of Topics/principles %age of persons in
Governance, leadership and oversight
training and awareness covered under the respective category covered
7. Statement by the director responsible for the business responsibility report, highlighting ESG-related challenges, targets
programs held training and its impact by the awareness programs
and achievements (listed entity has flexibility regarding the placement of this disclosure) Covered in the Annual Report
8. Details of the highest authority responsible for
 Mr. Rajesh Sharma, Managing Director Board of Directors 1 The ESG team conducted 100%
implementation and oversight of the Business an NGRBC guiding
Responsibility policy (ies). principles session for all the
Board members
9. Does the entity have a specified Committee of the Board/ Mr. Rajesh Sharma, Managing Director
Key Managerial 1 P1, P3, P5,P8,P9 100%
Director responsible for decision making on sustainability
Personnel
related issues? (Yes / No). If yes, provide details. Employees other than 1 P1, P3, P5,P8,P9 100%
BoD and KMPs
10. Details of Review of NGRBCs by the Company: Workers NA NA NA

Subject for Review Indicate whether review was Frequency (Annually/ Half yearly/
2. Details of fines / penalties /punishment/ award/ compounding fees/ settlement amount paid in proceedings (by
undertaken by Director / Committee of Quarterly/ Any other – please specify)
the entity or by directors / KMPs) with regulators/ law enforcement agencies/ judicial institutions, in the financial
the Board/ Any other Committee
year, in the following format (Note: the entity shall make disclosures on the basis of materiality as specified in
P P P P P P P P P P P P P P P P P P Regulation 30 of SEBI (Listing Obligations and Disclosure Obligations) Regulations, 2015 and as disclosed on the
1 2 3 4 5 6 7 8 9 1 2 3 4 5 6 7 8 9 entity’s website):
Performance against above Yes Yes Yes Yes Yes Yes Yes Yes Yes Policies are reviewed periodically or as per
Monetary
policies and follow up action need basis to meet requirements.
NGRBC Name of the regulatory/ Amount Brief of the Case Has an appeal
Compliance with statutory Yes Yes Yes Yes Yes Yes Yes Yes Yes The company complies with all the
Principle enforcement agencies/ (In ₹) been preferred?
requirements of relevance to the extant regulations. Also, as and when any
judicial institutions (Yes/No)
principles, and, rectification of any compliance is made applicable to the entity,
non-compliances required measures are being taken Penalty/ Fine NA NA Nil NA NA
NA
Settlement Nil NA Nil NA NA
Compounding Fee Nil NA Nil NA NA

108 109
Capri Global Capital Limited Annual Report 2023-2024

Non-Monetary 9. Open-ness of business

NGRBC Name of the regulatory/ enforcement Brief of Has an appeal been Provide
 details of concentration of purchases and sales with trading houses, dealers, and related parties along-with loans
Principle agencies/ judicial institutions the Case preferred? (Yes/No) and advances & investments, with related parties in the following format:

Imprisonment Nil Nil Nil Nil

Punishment Nil Nil Nil Nil Parameter Metrics FY 2023-24 FY 2022-23
Concentration of a. 
Purchases from trading houses as % of total NA NA
3. Of the instances disclosed in Question 2 above, details of the Appeal/ Revision preferred in cases where Purchases purchases
monetary or non-monetary action has been appealed.
b. Number
 of trading houses where purchases are NA NA
Case Details Name of the regulatory/ enforcement agencies/ judicial institutions made from
c. 
Purchases from top 10 trading houses as % of total NA NA
NA NA purchases from trading houses
Concentration of a. Sales
 to dealers / distributors as % oftotal sales NA NA
4. Does the entity have an anti-corruption or anti-bribery policy? If yes, provide details in brief and if available, Sales b. 
Number of dealers / distributors to whom sales are NA NA
provide a web link to the policy.
made
Yes, the company has a well-defined anti-bribery and anti-corruption policy, which sets out the company’s responsibilities,
c. 
Sales to top 10 dealers / distributors as % of total NA NA
and those working for and on its behalf, in observing and upholding its position on bribery and corruption in their dealings.
sales to dealers / distributors
The policy has been formulated in line with the organisational code of conduct, including policies like whistleblower and
Share of RPTs in a. 
Purchases (Purchases with related parties / Total 0.85% 0.78%
the management of conflicts of interest, as well as the rules and regulations adopted by the company.
Purchases)
The policies are hosted at https:// www.capriloans.in/corporate-governance/ b. Sales (Sales to related parties / Total Sales) 0.23% 0.35%
Anti Bribery and Anti-Corruption Policy : https://cgcdn.capriloans.in/wp-content/uploads/2024/02/05171819/Anti-Bribery- c. 
Loans & advances (Loans & advances given to 0% 0%
and-Anti-Corruption-Policy-CGCL-27.01.2024-1.pdf (capriloans.in) related parties / Total loans & advances)

5. 
Number of Directors/KMPs/employees/workers against whom disciplinary action was taken by any law d. 
Investments ( Investments in related parties / Total 90.28% 90.28%
enforcement agency for the charges of bribery/ corruption: Investments made)

FY 2023-24 FY 2022-23 Leadership Indicators

Directors 0 0 1. Awareness programs conducted for value chain partners on any of the principles during the financial year:
KMPs 0 0
Employees 0 0 Total number of Topics / principles %age of value chain partners covered (by value of
Workers NA NA awareness programs covered under the business done with such partners) under the
held training awareness programs
6. Details of complaints with regard to conflict of interest: Nil Nil Nil

2023-24 FY 2022-23
2.  oes the entity have processes in place to avoid/ manage conflicts of interests involving members of the Board?
D
Numbers Remarks Numbers Remarks
(Yes/No) If yes, provide details of the same.
Number of complaints received in relation to issues of 0 - 0 - Yes,
 we maintain a strict stance against unethical business practices and ensure compliance with pertinent principles,
Conflict of Interest of the Directors particularly regarding conflicts of interest. We have a policy on Related Party Transactions which governs to avoid/manage
Number of complaints received in relation to issues of 0 - 0 - conflict of interest.
Conflict of Interest of the KMPs
Link to the policy: https://cgcdn.capriloans.in/wp-content/uploads/2024/06/25105046/08.-RPT-Policy-05.08.2023.pdf
7.  rovide details of any corrective action taken or underway on issues related to fines/penalties / action taken by
P
regulators/ law enforcement agencies/ judicial institutions, on cases of corruption and conflicts of interest. PRINCIPLE 2 Businesses should provide goods and services in a manner that is sustainable and safe
Nil Essential Indicators
8. Number of days of accounts payables ((Accounts payable *365) / Cost of goods/services procured) in the 1. Percentage of R&D and capital expenditure (capex) investments in specific technologies to improve the
following format: environmental and social impacts of products and processes to total R&D and capex investments made by the
entity, respectively.
FY 2023-24 FY 2022-23
FY 2023-24 2022-23 Details of improvements in environmental and social impacts
Number of days of accounts payables 19 32 R&D Nil Nil Nil
Capex Nil Nil Nil

2. a. Does the entity have procedures in place for sustainable sourcing? (Yes/No) –
Being a financial products and services company, we do not require significant raw materials or manufacture any
tangible goods. Although, we champion resource conservation and innovative methods to reduce reliance on
natural resources. Capri Global is committed to sustainability by implementing initiatives to reduce paper usage,
such as digital document management systems and promoting electronic communication channels. We implement
recycling programs and encourage employees to adopt sustainable practices. Additionally, Capri Global invests in

110 111
Capri Global Capital Limited Annual Report 2023-2024

energy-efficient technologies and practices, such as LED lighting and motion sensors, to minimise carbon footprint 4. Of the products and packaging reclaimed at the end of life of products, the amount (in metric tonnes) reused,
and enhance operational efficiency. recycled, and safely disposed, as per the following format:


Building on our Phase one efforts in FY 22-23, Phase Two of our Environmental and Social Responsibility program FY 2023-24 FY 2022-23
focuses on advancing green IT practices, deepening employee engagement, and expanding paperless operations. Re-Used Recycled Safely Disposed Re-Used Recycled Safely Disposed
We are implementing advanced virtualization and energy-efficient hardware. To further our commitment, we are
intensifying paperless operations with enterprise-wide digital document management systems and e-signature Plastics (including packaging) NA
solutions. E-waste NA
Hazardous waste NA
 
Inverter Air Conditioners with R32 Refrigerant: As part of our green initiative, we are outfitting all our gold loan Other waste NA
branches with inverter air conditioners that utilize R32 refrigerant. R32 is recognized globally for its low global
warming potential (GWP) and high energy efficiency. This step not only adheres to international green standards 5. Reclaimed products and their packaging materials (as percentage of products sold) for each product category
but also supports India’s National Action Plan on Climate Change, which emphasizes reducing greenhouse gas
emissions. Indicate product categor|y Reclaimed products and their packaging materials as % of total
products sold in respective category

Recyclable Gold Pouches Made from LDPE: Our gold pouches are made from low-density polyethylene (LDPE), a
NA NA
globally accepted recyclable plastic. This initiative supports our efforts to reduce plastic waste, in line with global
best practices and India’s Plastic Waste Management Rules, which emphasize recycling and sustainable use of
plastics. PRINCIPLE 3 Businesses should respect and promote the well-being of all employees, including
those in their value chains
b. If yes, what percentage of inputs were sourced sustainably? Essential Indicators
NA
1. a. Details of measures for the well-being of employees:
3. Describe the processes in place to safely reclaim your products for reusing, recycling and disposing at the end % of employees covered by
of life, for (a) Plastics (including packaging) (b) E-waste (c) Hazardous waste and (d) other waste.
Category Total Health Accident Maternity Paternity Day Care
Capri
 solely provides financial services and doesn’t manufacture products. It manages e-waste internally and collaborates
(A) insurance insurance benefits Benefits facilities
with certified handlers for its disposal. Around 1,162 Kgs of e-waste have been responsibly disposed of through authorised
Number % Number % Number % Number % Number %
recyclers. Capri is reducing the usage of plastics in its offices and branches by replacing them with alternatives.
(B) (B/A) (C) (C/A) (D) (D/A) (E) (E/A) (F) (F/A)
4. Whether Extended Producer Responsibility (EPR) is applicable to the entity’s activities (Yes / No). If yes, whether Permanent employees
the waste collection plan is in line with the Extended Producer Responsibility (EPR) plan submitted to Pollution Male 5,770 3,684 64% 5,770 100% 0 0% 5,770 100% Nil Nil
Control Boards? If not, provide steps taken to address the same. Female 1,050 493 47% 1,050 100% 1,050 100% 0 0% Nil Nil
Given the nature of operations, EPR is not applicable to Capri. Total 6,820 4,177 61.25% 6,820 100% 1,050 100% 5,770 100% Nil Nil
Other than Permanent employees
Leadership Indicators Male NA
1. Has the entity conducted Life Cycle Perspective / Assessments (LCA) for any of its products (for manufacturing Female NA
industry) or for its services (for service industry)? If yes, provide details in the following format? Total NA

NIC Code Name of % of total Boundary for Whether Results b. Details of measures for the well-being of workers
Product / Turnover which the Life conducted by communicated in
Service contributed Cycle Perspective independent public domain (Yes/ % of employees covered by
/ Assessment was external agency No) If yes, provide Category Total Health Accident Maternity Paternity Day Care
conducted (Yes/No) the web-link. (A) insurance insurance benefits Benefits facilities
NA Number % Number % Number % Number % Number %
(B) (B/A) (C) (C/A) (D) (D/A) (E) (E/A) (F) (F/A)
2. If there are any significant social or environmental concerns and/or risks arising from the production or disposal Permanent employees
of your products/services, as identified in the Life Cycle Perspective / Assessments (LCA) or through any other Male NA
means, briefly describe the same along-with action taken to mitigate the same Female NA
Total NA
Name of Product / Service Description of the risk / concern Action Taken
Other than Permanent employees
NA Male NA
Female NA
3. Percentage of recycled or reused input material to total material (by value) used in production (for manufacturing
Total NA
industry) or providing services (for service industry).
c. 
Spending on measures towards well-being of employees and workers (including permanent and other than
Indicate input material Recycled or re-used input material to total material
FY 2023-24 FY 2022-23 permanent) in the following format –
NA NA NA FY 2023-24 FY 2022-23

Cost incurred on well- being measures as a % of total revenue of the 0.23% 0.30%
company

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Capri Global Capital Limited Annual Report 2023-2024

2. Details of retirement benefits, for Current FY and Previous Financial Year. 7. Membership of employees and worker in association(s) or Unions recognized by the listed entity:

Benefits FY 2023-24 FY 2022-23 Category FY 2023-24 FY 2022-23

No. of No. of Deducted and No. of No. of Deducted and Total No. of employees / % (B/A) Total No. of employees / % (B/A)
employees workers deposited employees workers deposited employees workers in respective employees workers in respective
covered as covered as with the covered as covered as with the / workers in category, who are / workers in category, who are
a % of total a % of total authority a % of total a % of total authority respective part of association(s) respective part of association(s)
employees workers (Y/N/N.A.) employees workers (Y/N/N.A.) category (A) or Union (B) category (A) or Union (B)
PF 97% NA Yes 96% NA Yes Total Permanent Employees
Gratuity 100% NA NA 100% NA NA Male Nil
ESI 32% NA Yes 32% NA Yes Female Nil
Others – please specify NA NA NA NA NA NA Total Permanent Workers
Male NA
3. Accessibility of workplaces Female NA
Are
 the premises/offices of the entity accessible to differently abled employees and workers, as per the requirements of
the Rights of Persons with Disabilities Act, 2016? If not, whether any steps are being taken by the entity in this regard. 8. Details of training given to employees and workers:

 Capri Global, workplace accessibility is a priority. We are committed to creating an inclusive environment for all
At Category FY 2023-24 FY 2022-23
stakeholders, including those with disabilities, as mandated by the Rights of Persons with Disabilities Act, 2016. We have Total On Health and On Skill Total On Health and On Skill
already made progress and are consistently enhancing our premises to be more inclusive. These efforts, outlined in our (A) safety measures upgradation No. (A) safety measures upgradation
public and internal policies, demonstrate our dedication to equal opportunities and inclusivity within our organization. (B) % (B / A) No. (C) (C /A) No. (E) % (E/D) No. (F) % (F/D)
Notably, our corporate and regional offices are equipped with ramps to facilitate seamless mobility and ensure wheelchair %
accessibility for individuals with disabilities. Total Permanent Employees
Male 5,770 0 0% 2,247 38.94% 6,700 0 0% 1,491 22%
4. Does the entity have an equal opportunity policy as per the Rights of Persons with Disabilities Act, 2016? If so,
Female 1,050 0 0% 334 31.81% 902 0 0% 212 24%
provide a web link to the policy.
Total 6,820 0 0% 2,581 37.84% 7,602 0 0% 1,703 22%
Capri
 remains dedicated to being an employer of equal opportunity and non-discrimination, fostering a culture of
Total Permanent Workers
inclusion and belongingness, and unequivocally opposing any form of discriminatory behavior. Its Equal Opportunity
Male 0
No discrimination policy ensures fairness for all, regardless of disability, marital status, race, religion, gender, sexual
orientation, etc., with the goal of treating all employees and job applicants with parity. We are committed to complying Female 0
with the provisions of the Rights of Persons with Disabilities Act, 2016, and ensuring a workplace that fosters inclusivity Total 0
and non-discrimination. The policy on Equal Opportunity and No Discrimination applies to all job applicants,
9. Details of performance and career development reviews of employees and worker:
employees, trainees, and consultants (including individuals under direct contract with CGCL) and can be accessed at
https://cgcdn.capriloans.in/wp-content/uploads/2024/02/05161228/Equal-Opportunity-and-No-Discrimination-Policy- Category FY 2023-24 FY 2022-23
CGCL-27.01.2024.pdf Total (A) No. (B) % (B / A) Total (C) No. (D) % (D / C)
5. Return to work and Retention rates of permanent employees and workers that took parental leave. Employees
Male 5,770 4,357 76% 6,700 3,725 56%
Gender Permanent employees Permanent workers Female 1,050 734 70% 902 462 51%
Return to work rate Retention rate Return to work rate Retention rate Total 6,820 5,091 75%* 7,602 4,187 55%
Worker
Male 100% 66.10% NA NA
Male NA NA NA NA NA NA
Female 96.4% 0% NA NA
Female NA NA NA NA NA NA
Total 99.3% 58.60% NA NA
Total NA NA NA NA NA NA
6. Is there a mechanism available to receive and redress grievances for the following categories of employees and *Performance review is conducted for eligible employees who have completed a minimum of 6 months
workers? If yes, give details of the mechanism in brief.
10. Health and safety management system:
Yes/No (If yes, then give details of the mechanism in brief) a. 
Has an occupational health and safety management system been implemented by the entity? (Yes/ No). If yes, the
coverage of such a system?
Permanent Workers NA
Other than Permanent Worker NA 
Capri Global ensures employee education and training on safety protocols through regular fire safety training
Permanent Employees Yes, Capri cultivates an environment characterised by equity, transparency, and evacuation drills. Ongoing awareness initiatives include email communications, physical and digital posters/
and receptiveness, encouraging employees to freely express their banners, and various internal communication channels. Furthermore, we have launched comprehensive employee
perspectives. The company ensures clear communication of its policies engagement campaigns aimed at promoting and instilling healthy and safety practices among employees. We have
and practices to all employees. Capri empowers its workforce to already deployed various measures to ensure a healthy and Safe environment at our offices such as placement of
operate without apprehension of bias, discrimination based on gender, Fire extinguishers, First Aid Kits, ensuring Electrical safety, access to medical facilities, good ergonomics to name a
or harassment, enforcing a strict zero-tolerance stance on any breaches few. The OHS management system covers 100% employees.
of these values. A grievance procedure is in place, allowing employees
to confidentially and anonymously report concerns without fear. b. 
What are the processes used to identify work-related hazards and assess risks on a routine and non-routine basis by
Additionally, Capri provides avenues for ethical consultations through the entity?
established channels such as the Whistleblower Policy, Prevention of
Sexual Harassment Policy, and other relevant policies. Being in the financial sector, we do not have work-related hazards. Ensuring the safety of our employees is paramount,
Other than Permanent Employees NA reflected in our routine branch inspections aimed at preemptively detecting and mitigating any workplace hazards

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Capri Global Capital Limited Annual Report 2023-2024

or risks. These inspections play a crucial role in upholding our dedication to a safe work environment. Through these 2. Provide the measures undertaken by the entity to ensure that statutory dues have been deducted and deposited
assessments, we meticulously evaluate different facets of the workplace to guarantee adherence to safety protocols by the value chain partners.
and legal requirements. This year, Capri introduced an extensive Occupational Health and Safety (OHS) Policy Capri
 aims to encourage its partners within the value chain to engage in responsible and sustainable business practices
(Occupational-Health-and-Safety-Policy-CGCL-27.01.2024.pdf (capriloans.in)) and is currently establishing formal based on their capabilities and resources. The company verifies that all relevant taxes are deducted and deposited as per
procedures to report work-related hazards current regulations. This process is also assessed during both internal and statutory audits. Capri expects its value chain
partners to adhere to principles of business responsibility, transparency, and accountability. To ensure this, the company
c. Whether
 you have processes for workers to report work-related hazards and to remove themselves from such risks.
has established statutory and internal audit policies and procedures.
(Y/N)

NA 3. Provide the number of employees/workers having suffered high consequence work-related injury / ill-health /
fatalities (as reported in Q11 of Essential Indicators above), who have been rehabilitated and placed in suitable
d. Do the employees/worker of the entity have access to non-occupational medical and healthcare services? (Yes/ No) employment or whose family members have been placed in suitable employment:

Yes. Capri provides its staff with a Group Term Life Insurance and a Mediclaim plan to cover non-work-related medical Total. of affected employess/ No. of employees/workers that are
and healthcare requirements. Information about these plans is shared with employees during their orientation. worker rehabilitated and placed in suitable
employment or whose family members have
11. Details of safety related incidents, in the following format:
been placed in suitable employment
Safety Incident/Number Category FY 2023-24 FY 2022-23 FY 2023-24 FY 2022-23 FY 2023-24 FY 2022-23

Lost Time Injury Frequency Rate (LTIFR) Employees Nil Nil Employees Nil Nil Nil Nil
(per one Million-person hours worked) Workers NA NA Workers NA NA NA NA
Total recordable work-related injuries Employees Nil Nil 4. Does the entity provide transition assistance programs to facilitate continued employability and the management
Workers NA NA
of career endings resulting from retirement or termination of employment? (Yes/ No)
No. of fatalities Employees Nil Nil
Capri does not aid programs but dedicates substantial time and resources to train and develop its employees, ensuring
Workers NA NA
they remain up-to-date with the latest trends and technology. These comprehensive training programs cultivate highly
High consequence work-related injury or ill-health Employees Nil Nil
skilled individuals who maintain their employability even after retirement or termination. This investment in our workforce
(excluding fatalities) Workers NA NA enhances our organizational capabilities and contributes to long-term success.
12. Describe the measures taken by the entity to ensure a safe and healthy workplace.
5. Details on assessment of value chain partners:
Capri
 Global prioritizes the safety and well-being of the employees, with dedicated policies in place for a healthy and
safe workplace. We regularly host webinars on Health & Safety to promote employee well-being and maintain good
% of value chain partners (by value of business done with such partners)
ergonomics across our branches. Our staunch dedication to employee health and safety is deeply ingrained in our
organizational culture, nurturing a secure and supportive work environment for everyone. Additionally, we are enhancing
that were assessed
safety equipment at our branches to further strengthen safety measures. Health and safety practices Nil
Working Conditions Nil
13. Number of complaints on the following made by employees and workers:
6. Provide details of any corrective actions taken or underway to address significant risks / concerns arising from
FY 2023-24 FY 2022-23 assessments of health and safety practices and working conditions of value chain partners.
Filed Pending Filed during Pending Remarks
Nil
during the resolution at Remarks the year resolution at
year the end of year the end of year PRINCIPLE 4: Businesses should respect the interests of and be responsive to all its stakeholders
Working Conditions Nil Nil - Nil Nil - 1. Describe the processes for identifying key stakeholder groups of the entity.
Health & Safety Nil Nil - Nil Nil -
Recognising
 essential stakeholder groups is a pivotal task at Capri. We undertake a stakeholder mapping process to
pinpoint both internal and external stakeholders. Internally, our stakeholders comprise employees who form a crucial
14. Assessments for the year:
component of the company. They actively contribute to daily operations, significantly influence the organization's
% of your plants and offices that were assessed (by entity or statutory achievements, and are directly affected by its decisions and endeavors. Externally, stakeholders encompass diverse
authorities or third parties) groups with unique interests, including investors/shareholders, customers, suppliers, value chain partners regulators, and
local communities.
Health and safety practices 100%
Working Conditions 100%

15. Provide details of any corrective action taken or underway to address safety-related incidents (if any) and on
significant risks/concerns arising from assessments of health & safety practices and working conditions.
We did not require any corrective actions related to the parameters mentioned above during the review period.

Leadership Indicators
1. Does the entity extend any life insurance or any compensatory package in the event of the death of (A)
Employees (Y/N) (B) Workers (Y/N)?
Yes, Capri provides term insurance coverage for all the employees.

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Capri Global Capital Limited Annual Report 2023-2024

2. List stakeholder groups identified as key for your entity and the frequency of engagement with each 3. Provide details of instances of engagement with, and actions taken to, address the concerns of vulnerable/
stakeholder group. marginalized stakeholder groups.

Stakeholder Whether Channels of Frequency of Purpose and scope We

 are dedicated to promoting Sustainable Development and community welfare through our Corporate Social
Responsibility (CSR) initiatives. We view CSR not merely as a mandate but as a chance to be a responsible member of
Group identified as communication (Email, engagement of engagement
society, fostering enduring positive transformations in people's lives and communities.
Vulnerable % SMS, Newspaper, (Annual/Half including key
Marginalized Pamphlets, Yearly/ Quarterly/ topics and concerns Our CSR initiatives are tailored to align with the Sustainable Development Goals (SDGs), emphasizing education,
Group (Yes/No) Advertisements, Others – raised during such healthcare, skill development, environmental conservation, and women's empowerment for vulnerable and marginalized
Community Meetings, please specify) engagements groups. Comprehensive details about our CSR programs are provided in the Director's Report.
Notice Board, Website),
Other PRINCIPLE 5 Businesses should respect and promote human rights
Employees No Multiple channels- Email, Daily Information sharing, Essential Indicators
Direct Communication, Employee engagement 1. Employees and workers who have been provided training on human rights issues and policy(ies) of the entity, in
Feedback and survey, Internal and L&D the following format:
circulars
Investors/ No Investor Presentation AGM, Quarterly/Annually To provide updates FY 2023-24 FY 2022-23
Shareholders Annual Report, Investor and need based on the Company Total (A) No. of employees % (B / A) Total (A) No. of employees % (D / C)
Meet,, Media Release performance, significant / workers / workers
developments, and covered (B) covered (D)
other pertinent
information Employees
Customers No Physical and Digital Channels Need Based Gathering customer Permanent 6,820 6,820 100% 7,602 7,602 100%
feedback and Other than permanent NA NA NA NA NA NA
addressing grievances, Total Employees 6,820 6,820 100% 7,602 7,602 100%
sharing information, Workers
and offering customer Permanent NA NA NA NA NA NA
support throughout the Other than permanent NA NA NA NA NA NA
entire service life cycle. Total Workers NA NA NA NA NA NA
Suppliers No Meetings, Emails, Telephone Need Based Product/Services
delivery  e have considered Anti Bribery and Anti-Corruption, Equal Opportunity No Discrimination, Human Rights, Occupational
W
Health and Safety and other mandatory trainings in this category
Government/ No Multiple channels- Email, As and when required For regulatory
Regulators Personal Meetings and compliance 2. Details of minimum wages paid to employees and workers, in the following format:
Statutory Fillings FY 2023-24 FY 2022-23
Total Equal to Minimum More than Total Equal to Minimum More than
Local Communities Yes Meetings, engagement with As and when required CSR Project
(A) Wage Minimum Wage (D) Wage Minimum Wage
CSR Implementation Partners Development
No. (B) % (B/A) No. (C) % (C/ A) No. (E) % (E/ D) No. (F) % (F/ D)
Employees
Leadership Indicators Permanent 5,770 101 1.75% 5,669 98.25% 6,700 20 0.3% 6,680 99.7%
Male 1,050 17 1.62% 1,033 98.38% 902 5 0.6% 897 99.4%
1. Provide the processes for consultation between stakeholders and the Board on economic, environmental, and
social topics or if consultation is delegated, how is feedback from such consultations provided to the Board. Number Female
Workers
of consumer complaints
Other than
At
 Capri Global, we value engaging with stakeholders on economic, environmental, and social issues. We conduct regular Permanent
consultations across departments and channels. Based on these interactions, we consolidate feedback for the Board of Male NA NA NA NA NA NA NA NA NA NA
Directors, depending on the nature of the topic. We ensure transparent communication and provide relevant information Female NA NA NA NA NA NA NA NA NA NA
within regulatory limits, balancing confidentiality with stakeholder needs. Stakeholder engagement is ongoing, led by
responsible business units, with senior executives joining as needed. The Board of Directors stays informed about these
engagements and offers guidance as necessary. FY 2023-24 FY 2022-23
Total Equal to Minimum More than Total Equal to Minimum More than
2.  hether stakeholder consultation is used to support the identification and management of environmental, and
W (A) Wage Minimum Wage (D) Wage Minimum Wage
social topics (Yes / No). If so, provide details of instances as to how the inputs received from stakeholders on No. (B) % (B/A) No. (C) % (C/ A) No. (E) % (E/ D) No. (F) % (F/ D)
these topics were incorporated into the policies and activities of the entity. Workers
A
 t Capri Global, stakeholder consultation is vital for identifying and managing environmental and social issues. We actively Permanent NA
seek input to shape our policies and activities, incorporating stakeholder feedback into our ESG strategy, policymaking, Male NA
and identifying opportunities such as implementing measurement systems. We ensure transparent communication and Female NA
access to relevant information within regulatory limits. Stakeholder engagement is ongoing, led by responsible business Other than NA
functions, with senior executives joining as needed. The Board of Directors is kept informed of developments from these Permanent
engagements and provides guidance accordingly. Male NA
Female NA

118 119
Capri Global Capital Limited Annual Report 2023-2024

3. Details of remuneration/salary/wages, in the following format: 8. Mechanisms to prevent adverse consequences to the complainant in discrimination and harassment cases.
a. Median remuneration / wages C
 apri has a formal grievance mechanism for all employees to report discrimination and harassment concerns confidentially
and anonymously without fear of retaliation. This mechanism aligns with our POSH, Human Rights, Equal opportunity
Male Female
No discrimination and Whistleblower policies. Capri ensures a safe working environment and prohibits discrimination,
Number Median remuneration/ salary/ Number Median remuneration/ salary/
harassment, or related retaliation. Our policies aim to prevent such incidents and protect employees who report
wages of respective category wages of respective category complaints.
Board of Directors 6 No remunerations is being paid to 1 No remunerations is being paid
(BoD) Independent Board of Directors to Board of Directors except for 9. Do human rights requirements form part of your business agreements and contracts? (Yes/No)
except for sitting fees* sitting fees The
 company has established a Code of Conduct for all value chain partners. This ensures that Capri avoids any financing
KMP 2* ₹6,935,562 - - activities associated with human rights violations. Additionally, our suppliers' code of conduct mandates a self-declaration
Employees other than 5,767 ₹300,039 1,050 ₹250,038 from suppliers affirming they will not engage in activities that lead to human rights or environmental violations.
BoD and KMP
Workers NA 10. Assessments for the year:
*MD has been considered in BoD and has a remuneration of ₹24 lacs per annum
% of your plants and offices that were assessed
(by entity or statutory authorities or third parties)
b. Gross wages paid to females as % of total wages paid by the entity, in the following format:
Child labour
FY 2023-24 FY 2022-23 Forced/involuntary labour
Sexual harassment
Gross wages paid to females as % of total wages 10.04% 10.99% Nil
Discrimination at workplace
4. Do you have a focal point (Individual/ Committee) responsible for addressing human rights impacts or issues Wages
caused or contributed to by the business? (Yes/No) Others – please specify
Yes 11. P
 rovide details of any corrective actions taken or underway to address significant risks/concerns arising from the
assessments at Question 9 above.
5. Describe the internal mechanisms in place to redress grievances related to human rights issues.
Nil
The
 company has a formal, confidential, and anonymous grievance redressal system for employees, including human
rights-related issues. All employees can access this system, and grievances are directed to the appropriate team for
Leadership Indicators
resolution. Refer to the human rights policy for further information:
1. Details of a business process being modified/introduced due to addressing human rights grievances/complaints.
https://cgcdn.capriloans.in/wp-content/uploads/2024/02/05161229/Human-Rights-Policy-CGCL-27.01.2024.pdf There were no human rights violations in the current reporting year.
https://cgcdn.capriloans.in/wp-content/uploads/2024/05/29133957/Whistle-Blower-Policy.pdf
2. Details of the scope and coverage of any Human rights due diligence conducted.
In case of any grievances, an email can be sent to [email protected] with the details of the case. None.
 Our policies and governance framework safeguard a wide range of Human Rights aspects throughout the
organisation.
6. Number of complaints on the following made by employees and workers:
3. Is the premise/office of the entity accessible to differently abled visitors, as per the requirements of the Rights
Filed FY 2023-24 FY 2022-23 of Persons with Disabilities Act, 2016?
Filed Pending Remarks Filed during Pending Remarks
At
 Capri Global, we prioritize workplace accessibility, acknowledging the importance of creating an inclusive environment
the year resolution at the for all stakeholders, including individuals with disabilities, as per the Rights of Persons with Disabilities Act, 2016. While we
end of year have already made improvements to enhance accessibility, we are continuously working to further improve our premises
Sexual Harassment Nil Nil - Nil Nil - and offices, ensuring they are designed with inclusivity in mind. We are taking steps to address any existing barriers
Discrimination At Nil Nil - Nil Nil - and make our workplaces more inclusive, as outlined in our publicly available policies and internal communications.
workplace Our ongoing commitment to inclusivity underscores our commitment to providing equal opportunities for everyone in
Child Labour Nil Nil - Nil Nil - our organization.
Forced Labour/ Nil Nil - Nil Nil -
4. Details on assessment of value chain partners:
Involuntary Labour
Wages Nil Nil - Nil Nil - % of value chain partners (by value of business done
Other human Rights Nil Nil - Nil Nil - with such partners) that were assessed
related issues
Sexual Harassment
7.  omplaints filed under the Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal)
C Discrimination at workplace
Act, 2013, in the following format: Child Labour
Nil
Forced Labour/Involuntary Labour
FY 2023-24 FY 2022-23 Wages
Total Complaints reported under Sexual Harassment on of Women at Nil Nil Others – please specify
Workplace (Prevention, Prohibition and Redressal)Act, 2013 (POSH)
Complaints on POSH as a % of female employees / workers Nil Nil 5. Provide details of any corrective actions taken or underway to address significant risks / concerns arising from
Complaints on POSH upheld Nil Nil the assessments at Question 4 above.
NA

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Capri Global Capital Limited Annual Report 2023-2024

PRINCIPLE 6: Businesses should respect and make efforts to protect and restore the environment 4 Provide details related to water discharged:
Essential Indicators Parameter FY 2023-24 FY 2022-23
1. Details of total energy consumption (in Joules or multiples) and energy intensity, in the following format: Water discharge by destination and level of treatment (in kilolitres)
(i) To Surface water
Parameter FY 2023-24 FY 2022-23 - No treatment - -
From renewable sources - - - With treatment – please specify level of treatment - -
Total electricity consumption (A) - - (ii) To Groundwater
Total fuel consumption (B) - - - No treatment - -
Energy consumption through other sources (C) - - - With treatment – please specify level of treatment - -
(iii) To Seawater
Total energy consumed from renewable sources (A+B+C)
- No treatment - -
From non-renewable sources
- With treatment – please specify level of treatment - -
Total electricity consumption (D) 24,026.78 GJ - (iv) Sent to third-parties
Total fuel consumption (E) - No treatment - -
Energy consumption through other sources (F) - - - With treatment – please specify level of treatment - -
Total energy consumed from nonrenewable sources (D+E+F) 24,026.78 GJ - (v) Others
Total energy consumed (A+B+C+D+E+F) 24,026.78 GJ - - No treatment - -
Energy intensity per rupee of turnover (Total energy consumed / 1.34 GJ/₹ Million - - With treatment – please specify level of treatment - -
Revenue from operations) Total water discharged (in kilolitres) - -
Due to the nature of our business, this is not applicable to us.
Energy intensity per rupee of turnover adjusted for Purchasing Power Parity 30.18 GJ/₹ Million -
Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the
(PPP) external agency.
(Total energy consumed / Revenue from operations adjusted for PPP)
5 Has the entity implemented a mechanism for Zero Liquid Discharge? If yes, provide details of its coverage and
Energy intensity in terms of physical output - -
implementation.
Energy intensity (optional) – the relevant metric may be selected by the - -
entity Due to the nature of our business, it is not applicable to us.
Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the
external agency. 6 Please provide details of air emissions (other than GHG emissions) by the entity, in the following format:
2.  oes the entity have any sites / facilities identified as designated consumers (DCs) under the Performance,
D
Achieve and Trade (PAT) Scheme of the Government of India? (Y/N) If yes, disclose whether targets set under Parameter Please specify FY 2023-24 FY 2022-23
the PAT scheme have been achieved. In case targets have not been achieved, provide the remedial action taken, unit
if any. NOx - - -
Sox - - -
- NA
Particulate matter (PM) - - -
Persistent organic pollutants (POP) - - -
3. Provide details of the following disclosures related to water, in the following format:
Volatile organic compounds (VOC) - - -
Parameter FY 2023-24 FY 2022-23 Hazardous air pollutants (HAP) - - -
Others – please specify - - -
Water withdrawal by source (in kiloliters) Due to the nature of our business, this is not applicable to us.
(i) Surface water - - Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the
(ii) Groundwater - - external agency. - No

(iii) Third-party water 3,178.51 -

(iv) Seawater / desalinated water - - 7 Provide details of greenhouse gas emissions (Scope 1 and Scope 2 emissions) & its intensity, in the following
(v) Others - - format:
Total volume of water withdrawal (in kiloliters) (i + ii + iii + iv + v) 3,178.51 -
Parameter Unit FY 2023-24 FY 2022-23
Total volume of water consumption (in kiloliters) 3,178.51 -
Water intensity per rupee of turnover (Water consumed / turnover) 0.1782 KL/₹ Million - Total Scope 1 emissions (Break-up of the GHG into Metric tonnes of - -
Water intensity per rupee of turnover adjusted for Purchasing Power Parity 3.99 KL/₹ Million - CO2 equivalent
CO2, CH4, N2O, HFCs, PFCs, SF6, NF3, if available) Metric tonnes of 4738.62 MtCO2e -
(PPP)
CO2 equivalent
(Total water consumption / Revenue from operations adjusted for PPP)
Total Scope 2 emissions (Break-up of the GHG into Metric tonnes of 0.0026 kgCO2e/ -
Water intensity in terms of physical output - -
CO2 equivalent rupee
Water intensity (optional) – the relevant metric may be selected by the - - /₹
entity CO2, CH4, N2O, HFCs, PFCs, SF6, NF3, if available) 0.00595 Kg/rupee -
-Due to nature of our business, Water is not a material topic for us. There is a minimal consumption of water for drinking and sanitation purposes Total Scope 1 and Scope 2 emissions per rupee of - - -
only, thus, we don’t monitor our water consumption, but we are in process to record the data. turnover
Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the Total Scope 1 and Scope 2 emission intensity per rupee - - -
external agency. - No
of turnover adjusted for Purchasing Power Parity (PPP)
(Total Scope 1 and Scope 2 GHG emissions / Revenue
from operations adjusted for PPP)
Total Scope 1 and Scope 2 emission intensity in terms of - - -
physical output
Total Scope 1 and Scope 2 emission intensity (optional) - - -
– the relevant metric may be selected by the entity

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Capri Global Capital Limited Annual Report 2023-2024

Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the
external agency. - No 12 Details of environmental impact assessments of projects undertaken by the entity based on applicable laws, in
the current financial year:
8 Does the entity have any project related to reducing Green House Gas emissions? If yes, then provide details.
At
 Capri, we are striving to achieve environmental excellence and Greenhouse Gas emission reduction is one of the key Name and EIA Date Whether conducted by Results communicated in Relevant Web
focus areas for us. We are using efficient lighting and cooling systems at our branches, resulting in electricity savings and brief details Notification independent external public domain link
thereby Greenhouse Gas reduction. of project No. agency (Yes / No) (Yes / No)
9 Provide details related to waste management by the entity, in the following format: NA

Parameter FY 2023-24 FY 2022-23 13 Is the entity compliant with the applicable environmental law/ regulations/ guidelines in India; such as the Water
Total Waste generated (in metric tonnes) (Prevention and Control of Pollution) Act, Air (Prevention and Control of Pollution) Act, Environment protection
Plastic waste (A) - - act and rules thereunder (Y/N). If not, provide details of all such non-compliance, in the following format:
E-waste (B) 1,162Kg 1,986 Kg
S. No. Specify the law / Provide details Any fines / penalties / action Corrective action taken,
Bio-medical waste (C) - -
regulation of the non- taken by regulatory agencies if any
Construction and demolition waste (D) - -
/ guidelines which compliance such as pollution control boards
Battery waste (E) - -
was not complied or by courts
Radioactive waste (F) - -
Other Hazardous waste. Please specify, if any. (G) - -
with
Other Non-hazardous waste generated (H). Please specify, if any. (Break- up - - NA
by composition i.e., by materials relevant to the sector)
Total (A+B + C + D + E + F + G + H) 1,162 Kg 1,986 Kg Leadership Indicators
1. Water withdrawal, consumption and discharge in areas of water stress (in kiloliters):
Parameter FY 2023-24 FY 2022-23 For each facility / plant located in areas of water stress, provide the following information:

Waste intensity per rupee of turnover (Total waste generated / 0.065 Kg/₹ Million 0.17 kg/₹ Million (i) Name of the area
Revenue from operations)
Waste intensity per rupee of turnover adjusted for 1.46 Kg/₹ Million 3.83 Kg/₹ Million (ii) Nature of operations
Purchasing Power Parity (PPP) (Total waste generated / Revenue from
operations adjusted for PPP) (iii) Water withdrawal, consumption and discharge in the following format:
Waste intensity in terms of physical output NA NA
Waste intensity (optional) – the relevant metric may be selected by the entity - - Parameter FY 2023-24 FY 2022-23
For each category of waste generated, total waste recovered through recycling, re-using or other recovery operations Water withdrawal by source (in kiloliters)
(in metric tonnes) (i) Surface water - -
Category of waste (ii) Groundwater - -
(i) Recycled 1,039 Kg - (iii) Third party water
(ii) Re-used - 1,300 Kg (iv) Seawater / desalinated water - -
(iii) Other recovery operations - - (v) Others
Total 1,039 Kg 1,300 Kg Total volume of water withdrawal (in kiloliters) - -
For each category of waste generated, total waste disposed by nature of disposal method (in metric tonnes) Total volume of water consumption (in kiloliters) - -
Category of waste Water intensity per rupee of turnover (Water consumed / turnover)
(i) Incineration - 496 Kg Water intensity (optional) – the relevant metric may be selected by the entity - -
(ii) Landfilling 123 Kg 190 Kg Water discharge by destination and level of treatment (in kiloliters)
(iii) Other disposal operations (i) Into Surface water
Total 123 Kg 686 Kg -No treatment - -
Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the
external agency. - No -With treatment – please specify level of treatment - -
(ii) Into Groundwater
-No treatment - -
10  riefly describe the waste management practices adopted in your establishments. Describe the strategy
B
-With treatment – please specify level of treatment - -
adopted by your company to reduce the usage of hazardous and toxic chemicals in your products and processes (iii) Into Seawater
and the practices adopted to manage such wastes. -No treatment - -
Due
 to the nature of our operations, we emphasize responsible waste management. Our activities avoid generating -With treatment – please specify level of treatment - -
hazardous or toxic chemical waste. Instead, we primarily handle e-waste, ensuring it is managed environmentally (iv) Sent to third parties
responsibly. We work with authorized recyclers to process the e-waste in accordance with strict environmental regulations. -No treatment - -
-With treatment – please specify level of treatment - -
11 If the entity has operations/offices in/around ecologically sensitive areas (such as national parks, wildlife (v) Others
sanctuaries, biosphere reserves, wetlands, biodiversity hotspots, forests, coastal regulation zones etc.) where -No treatment - -
environmental approvals/clearances are required, please specify details in the following format: -With treatment – please specify level of treatment - -
Total water discharged (in kiloliters) - -
S. No. Location of Type of operations Whether the conditions of environmental approval /
Due to the nature of our business, water is not a material topic for us. While we recognize the importance of water as a valuable resource, our
operations/ clearance are being complied with? (Y/N) If no, the reasons operations involve minimal consumption of water, limited to drinking and sanitation purposes only. As a result, we do not have a significant impact
offices thereof and corrective action taken, if any. on water resources, and thus, monitoring our water consumption or discharge is not a primary focus for our organization.

Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the
NA external agency. - No

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2. Please provide details of total Scope 3 emissions & its intensity, in the following format: Leadership

Parameter Unit FY 2023-24 FY 2022-23 S. No. Public policy Method Whether information Frequency of Review by Board Web Link, if
advocated resorted for available in public (Annually/ Half yearly/ Quarterly available
Total Scope 3 emissions (Break-up of the GHG into Metric tonnes of - -
such advocacy domain? (Yes/No) / Others – please specify)
CO2, CH4, N2O, HFCs, PFCs, SF6, NF3, if available) CO2 equivalent
Total Scope 3 emissions per rupee of turnover - - NA
Total Scope 3 emission intensity (optional) - -
-We are working on measuring and monitoring systems for Scope 3 emissions, the same shall be reported from next FY. PRINCIPLE 8: Businesses should promote inclusive growth and equitable development.
Note: Indicate if any independent assessment/ evaluation/assurance has been carried out by an external agency? (Y/N) If yes, name of the
external agency. - No
1.  etails of social impact assessments (SIA) of projects undertaken by the entity based on applicable
D
laws, in the current financial year
3. With
 respect to the ecologically sensitive areas reported at Question 10 of Essential Indicators above, provide details
of significant direct & indirect impact of the entity on biodiversity in such areas along-with prevention and remediation Name SIA Date of Whether conducted by Results communicated in Relevant
activities. - NA and brief notification notification independent external public domain (Yes/No) Web Link
details of No. agency (Yes/No)
4. If the entity has undertaken any specific initiatives or used innovative technology or solutions to improve the project
resource efficiency, or reduce impact due to emissions / effluent discharge / waste generated, please provide NA
details of the same as well as outcome of such initiatives, as per the following format:
2.  rovide information on project(s) for which ongoing Rehabilitation and Resettlement (R&R) is being undertaken
P
S. No. Initiative Details of the initiative (Web-link, if any, may be provided Outcome of the by your entity, in the following format:
undertaken along-with summary) initiative
S No. Name of Project State District No. Of Project % of PAFs Amounts paid to
NA
for which R&R is Affected covered by PAFs in the
ongoing Families R&R FY (in ₹)
5. Does the entity have a business continuity and disaster management plan? Give details in 100 words/ web link.
NA
Capri
 Global is committed to ensuring the security and continuity of operations. To mitigate potential disasters, we have
implemented a robust disaster recovery system for all production applications. This system includes regular replication
of critical business application data to a secondary site. Our IT team conducts daily health checks to ensure the system's 3. Describe the mechanisms to receive and redress grievances of the community.
readiness and performs periodic recovery drills to validate data integrity and service accessibility from the disaster Capri has different mechanisms in place to receive and address grievances from various stakeholders, depending on
recovery site. their nature. You can find more information about these mechanisms on our public page here: https://cgcdn.capriloans.
in/wp-content/uploads/2024/05/15232837/Grievance-Redressal-Policy-CGCL-27.01.2024.pdf. If issues arise, we promptly
6.  isclose any significant adverse impact to the environment, arising from the value chain of the entity. What
D address them to maximize positive outcomes for the communities we support.
mitigation or adaptation measures have been taken by the entity in this regard.
4. Percentage of input material (inputs to total inputs by value) sourced from suppliers:
Nil
FY 2023-24 FY 2022-23
7.  ercentage of value chain partners (by value of business done with such partners) that were assessed for
P
environmental impacts. Directly sourced from MSMEs/small producers 7.50% 7.72%
Directly from within India Nil Nil
We are in the process of developing a framework to assess our value chain partners on environmental impacts.

5. Job creation in smaller towns – Disclose wages paid to persons employed (including employees or workers
PRINCIPLE 7: Businesses, when engaging in influencing public and regulatory policy, should do so
employed on a permanent or non-permanent / on contract basis) in the following locations, as % of total wage
in a manner that is responsible and transparent
cost
Essential Indicators
1. a. Number of affiliations with trade and industry chambers/ associations. : 1 Location FY 2023-24 FY 2022-23
Rural 7.8% 6.0%
b.  the top 10 trade and industry chambers/ associations (determined based on the total members of such body)
List Semi-urban 8.7% 7.6%
the entity is a member of/ affiliated to.
Urban 28.7% 32.2%
Metropolitan 54.8% 54.2%
S. No. Name of the trade and industry chambers/ Reach of trade and industry chambers/
associations associations (State/National) Leadership Indicators
1 Finance Industry Development Council National 1. Provide details of actions taken to mitigate any negative social impacts identified in the Social Impact Assessments
(Reference: Question 1 of Essential Indicators above):
2. Provide details of corrective action taken or underway on any issues related to anti-competitive conduct by the
entity, based on adverse orders from regulatory authorities Details of negative social impact identified Corrective action taken
NA NA
Name of authority Brief of the case Corrective action taken
NA

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Capri Global Capital Limited Annual Report 2023-2024

2. Provide the following information on CSR projects undertaken by your entity in designated aspirational districts Comprehensive
 Services: We have launched a Customer Portal App to enhance customer convenience. Through this
as identified by government bodies: app, customers can view their loan details, make EMI payments, raise service requests, and utilize a click-to-call feature to
contact customer care directly.
Sr State Aspirational District Amount spent in ₹
No Customer Feedback and Continuous Improvement: We actively seek customer feedback through surveys and direct
1 Rajasthan Baran & Dholpur 4,700,000 communication channels to continually improve our services. This feedback loop helps us address any issues promptly
2 Chhattisgarh Rajnandagaon 1,161,974 and adapt our services to better meet customer needs.
3 Nagaland Kiphire 7,200
4 Uttar Pradesh Bahraich 2,100,000 2. Turnover
 of products and/ services as a percentage of turnover from all products/service that carry
5 Maharashtra Osmanabad 3,950,000 information about:

3. (a) Do you have a preferential procurement policy where you give preference to purchase from suppliers comprising As a percentage to total turnover
marginalized /vulnerable groups? (Yes/No) - No Environmental and social parameters relevant to the product NA
Safe and responsible usage NA
(b) From which marginalized /vulnerable groups do you procure? - NA Recycling and/or safe disposal NA

(c) What percentage of total procurement (by value) does it constitute? - NA 3. Number of consumer complaints in respect of the following:

4.  etails of the benefits derived and shared from the intellectual properties owned or acquired by your entity (in
D FY 2023-24 FY 2022-23
the current financial year), based on traditional knowledge: Received Pending Remarks Received Pending Remarks
during the resolution at during the resolution at
S. No. Intellectual Property Owned/ Benefit shared (Yes/ Basis of calculating benefit year end of year year end of year
based on traditional Acquired (Yes/ No) shared
Data privacy 0 0 0 0
knowledge No)
Advertising 0 0 0 0
NA Cyber-security 0 0 0 0
Delivery of 0 0 0 0
5. Details of corrective actions taken or underway, based on any adverse order in intellectual property related essential
disputes wherein usage of traditional knowledge is involved. services
Restrictive 0 0 0 0
S. No. Name of authority Brief of the Case Correction action taken Trade Practices
NA Unfair Trade 0 0 0 0
Practices
6. Detail of beneficiaries of CSR Projects Other 275 8 All the 8 Open 284 3 All the 3 open
Complaints complaints
Sr CSR Project No. of persons benefited % of beneficiaries from vulnerable were closed by were closed by
No from CSR Projects and marginalized group April 16, 2024. April 13, 2023.
1 Women Empowerment & Livelihood 71,893 100%
4. Details of instances of product recalls on account of safety issues:
2 Education 17,165 100%
3 Health 114,256 100% Number Reasons for recall
Voluntary recalls NA NA
PRINCIPLE 9 Businesses should engage with and provide value to their consumers in a responsible
Forced recalls NA NA
manner
Essential Indicators 5. Does the entity have a framework/ policy on cyber security and risks related to data privacy? (Yes/No) If available,
1. Describe the mechanisms in place to receive and respond to consumer complaints and feedback. provide a web-link of the policy.
Customers
 can raise any complaint / grievance to the Nodal Officer of the company, whose contact details are available Yes, the entity has a framework on cyber security and risks related to data privacy. Kindly refer to the link for further details
on the website & also displayed at servicing branches. A customer’s complaint is heard & disposed of by a person at least
one level higher to the person/designation against / relating to whom the grievance is made. https://cgcdn.capriloans.in/wp-content/uploads/2023/04/25145607/CGCL_Information-Cyber-Security-Policy-Draft-Ver-

1.0.pdf
 Capri, we are committed to deliver top-notch customer service. Hence various channels of communications are made
At
6. Provide details of any corrective actions taken or underway on issues relating to advertising, and delivery of
available to customers like contact centre, branch walk-ins, care email ids, consumer app, social media etc, through which
essential services; cyber security and data privacy of customers; re-occurrence of instances of product recalls;
Customers can raise query, request, or complaints. Capri ensures ‘customer facing employees’ are trained to handle
customers with empathy and are also equipped with tools to effectively assist Customers. With the right training to penalty / action taken by regulatory authorities on safety of products / services.
resources, Customer Service play a vital role in Capri’s strategy to uphold its ESG commitments and build customer Not applicable due to the nature of our business.
loyalty & trust.
7. Provide the following information relating to data breaches:
Contact Information Accessibility: We actively promote our customer care contact details to ensure customers can easily a. Number of instances of data breaches along-with impact – 0
reach us for support. For Gold Loan inquiries, customers can call our toll-free number at +91 9179 121 021. For MSME and
b. Percentage of data breaches involving personally identifiable information of customers - 0
Home Loans, our toll-free number is 1800 102 1021. Customers can also reach us via email at [email protected]
and [email protected]. c. Impact, if any, of the data breaches - NA

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Leadership Indicators
1. Channels / platforms where information on products and services of the entity can be accessed (provide web
link, if available).
Information
 about our products is available at our branches. Further, our Corporate website also has information about
our products and services www.capriloans.in

2. Steps taken to inform and educate consumers about safe and responsible usage of products and/or services.
We
 periodically send awareness SMS to all existing customers with our Toll-Free Number and Care email ID for easy
contact. Additionally, we have created an app to further simplify customer support access.

3. Mechanisms in place to inform consumers of any risk of disruption/discontinuation of essential services.

We
 have Business Continuity Plan (BCP) to mitigate the risks due to unavailability of systems and/or loss or manipulation
of information or information data security. In case of disruption/discontinuation, we have SMS facility for informing our
customers.

4. Does the entity display product information on the product over and above what is mandated as per local laws?
(Yes/No/Not Applicable) If yes, provide details in brief. Did your entity carry out any survey with regard to
consumer satisfaction relating to the major products / services of the entity, significant locations of operation of
the entity or the entity as a whole? (Yes/No)
A
 t Capri Global, we believe in transparency and strive to provide our customers with all the relevant information they need.
To ensure transparency, we have implemented various measures, such as prominently displaying the “Most Important
Terms and Conditions” document in each office. This document includes details about service charges, interest rates,
product information, service standards for various transactions, and grievance redressal mechanisms.

Furthermore, we make sure that our website, www.capriloans.in, is regularly updated with the latest information, including
the aforementioned terms and conditions. This allows our customers to access and review the necessary details at their
convenience.

Whenever there is a change in interest rates, we proactively communicate the updated information to all our loan
customers. This ensures that our customers are aware of any modifications that may affect their existing loans or future
borrowing decisions.

Regarding customer satisfaction surveys, we did not conduct any such surveys in the reporting year. However, we remain
committed to continuously improving our services and enhancing the customer experience. Feedback from our customers
is invaluable to us, and we actively encourage them to provide their opinions, suggestions, and grievances through our
established grievance redressal mechanisms.

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