Foundations · ESG and Sustainable Finance

    ESG Fundamentals

    8 min readLast reviewed: July 2025

    Intuition

    ESG stands for Environmental, Social, and Governance, three dimensions of non-financial risk and opportunity that can materially affect a company's long-term financial performance. The core argument: companies that manage environmental impact, treat employees and communities well, and maintain strong governance are more likely to generate durable returns and less likely to face regulatory, reputational, or operational surprises.

    Investors, regulators, and creditors have increasingly integrated ESG factors into their decision-making. SEBI has made BRSR (Business Responsibility and Sustainability Reporting) mandatory for the top 1,000 listed companies in India from FY23, and ESG rating integration is now a standard part of institutional due diligence.

    Criticism also exists: ESG data is inconsistent, ESG scores from different agencies diverge significantly, and the link between ESG scores and financial outperformance is contested in academic research. Practitioners need to be both informed about ESG and appropriately sceptical about weak or greenwashed claims.

    Mechanics

    Three pillars:

    Environmental (E)

    • Carbon emissions (Scope 1, 2, 3)
    • Water usage and withdrawal
    • Waste generation and disposal
    • Energy intensity and renewable energy share
    • Biodiversity impact
    • Physical climate risk exposure

    Social (S)

    • Employee health and safety (LTIFR, Lost Time Injury Frequency Rate)
    • Workforce diversity and inclusion
    • Labour practices, supply chain standards
    • Community impact and CSR
    • Customer data privacy
    • Human rights in the value chain

    Governance (G)

    • Board composition (independence, diversity, expertise)
    • Promoter ownership and pledge percentage
    • Related-party transactions
    • Executive compensation alignment with performance
    • Audit quality and transparency
    • Anti-corruption policies

    ESG rating agencies in India:

    • CRISIL ESG Ratings, ICRA ESG Scores
    • Global: MSCI ESG Ratings, Sustainalytics (Morningstar), S&P Global ESG
    • Divergence between agencies on the same company is common and significant

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