Environmental, Social & Governance

Green buildings, electric vehicles, solar energy & sustainable financial solutions.

Solar Energy Solutions

Rooftop solar systems, green financing and sustainable energy adoption.

Electric Vehicle Financing

Eco-friendly transportation with attractive EV loan benefits.

ESG Policy

ESG stands for Environmental, Social & Governance — three major factors used to evaluate sustainability, ethical impact and responsible business practices.

🌿 Environmental 🤝 Social ⚖️ Governance

E — Environmental

Energy efficiency, carbon footprint, pollution control, biodiversity, climate change, waste management and sustainable resource usage.

S — Social

Labour standards, diversity, inclusion, employee welfare, human rights, customer privacy, community relations and workplace safety.

G — Governance

Board transparency, compliance, ethical leadership, accountability, anti-corruption and sustainability oversight.

IOB Harit Subhagruha – Green Home Loan

The Scheme shall cover Housing Loans for Individual Houses and Flats/Houses under Projects certified by recognised Green Building Rating Agencies.

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LEED

Leadership in Energy and Environmental Design is an internationally accepted certification system for sustainable and energy-efficient buildings.

IGBC

Indian Green Building Council’s “Green Homes” rating system supports eco-friendly residential projects with focus on energy efficiency, water conservation, healthy living and sustainable resource usage.

GRIHA

Green Rating for Integrated Habitat Assessment is India’s national green building rating system adopted by the Government of India in 2007 for sustainable construction and environmental performance.

Additional Eligibility

Housing Projects rated by agencies other than LEED, IGBC and GRIHA may also be considered subject to National/International reputation, accreditation and acceptance. The Bank shall have exclusive discretion to accept or reject such ratings under the scheme.

Vehicle Loan — Electric Vehicles

Financing support for Electric Vehicles and selected conventional vehicles.

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Vehicle Type	Eligibility	Benefit
Electric Four-Wheeler	New EV Cars	Additional EV Interest Concession
Old Four-Wheeler	Not More Than 5 Years Old	Standard Vehicle Finance
New Two-Wheeler	Includes Electric Two-Wheelers	EV Interest Concession

IOB Surya – PM Surya Ghar

Solar financing schemes supporting rooftop solar systems and sustainable energy adoption.

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IOB Surya Scheme

Solar Heater Installation
Home / Indoor Lighting Systems
Off Grid Rooftop Solar System
Grid Connected Rooftop Solar System

IOB HL Surya Scheme

Purchase / Installation of Grid Connected Rooftop Solar System
Designed for Home Loan Customers

IOB Green Deposit Scheme

Supporting environmentally responsible projects and sustainable finance initiatives.

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Climate change has been recognised as one of the most critical challenges faced by the global society and economy in the 21st century. The financial sector plays a pivotal role in mobilizing resources and their allocation thereof in green activities/projects.

Bank Commitment

Our Bank is committed towards creating a sustainable world by encouraging the low emission & eco-friendly activities and financing such projects. As part of the regulatory Framework, our Bank has introduced IOB Green Deposit Scheme and all deposits accepted under the Scheme shall be utilized for financing green activities and projects and developing green finance ecosystem in the country.