Monitoring, Evaluation & Reporting of CSR as per

Section 135 & CSR Rules

By: Hemangi Patil

Assistant Vice President – CSR
IndusInd Bank
Commencing its operations in the year 1994, IndusInd Bank derives its name and inspiration from the Indus Valley
Civilization - a culture described as one of the greatest in the ancient world combining a spirit of innovation with sound
business and trade practices. IndusInd Bank has grown ceaselessly and dynamically as an organization driven by a sincere
zeal to give its customers banking services and products at par with the highest quality standards in the industry.

IndusInd Bank has 1753 Branches/Banking outlet, and 2662 ATMs across 744 geographical locations in India and
representative offices in London, Dubai and Abu Dhabi. The Bank believes in driving its business through technology. It
enjoys clearing bank status for both major stock exchanges - BSE and NSE - and major commodity exchanges in the country,
including MCX, NCDEX and NMCE. IndusInd Bank on April 01, 2013 was included in the NIFTY 50 benchmark index.

Good Ecology is Good Economics

"At IndusInd Bank, we are committed to running our business in a way that generates
value for our customers, clients, shareholders and employees. At the same time, we
recognize that our sphere of activity and influence extends beyond the boundaries of the
financial system and that as a national bank we are also closely interconnected with the
economy, society and the environment. We have strived to assume our social
responsibilities and the importance of our impact on the environment in relation to
conservation and climate change.”
Corporate Social Responsibility – IndusInd Bank Ltd
CSR Mission: To create value for all our stakeholders and emerge as a 'Best-in-Class' Bank that is committed to sustainable economic
growth. To ensure that the Bank's business grows consistently and responsibly, benefitting those we directly serve while also promoting
the well-being of our employees, our natural environment and the community at large. CSR Focus areas are:

Environment Education Healthcare Livelihood Sports

• Water stewardship • Legal Literacy for • Prevention and • Skill training • For Differently-
• Urban Women care – General • Women abled
Afforestation • Financial & Digital Health Entrepreneurship • Cricket for Blind
• Renewable Energy Literacy (PMJDY) • Stree Swabhimaan • Sustainable • Para-athletes and
• Solid Waste • Mid-Day meal (Sanitary Pad Agricultural other para-sports
Management • Remedial distribution) Practices • For Women
Education • Cancer Care • Employment Led • Girl champion
• Early Literacy • HIV/AIDS Care training in for program
• Fellowship youth with • Hockey
program disability Excellence
• Academic Support Program for Girls
for children • Nurturing Rural
Champions
Awards and Accolades 2019-20
Mahatma Award
Government of Haryana
Excellence in CSR Recognition
For Our Work in: Sports, For Best CSR Practices
Water Resource
Development and
Management and Urban
Afforestation

CSR Impact Award

In Special Categories Project
For Our Para Champions Programme
CSR Times Award
Best Corporate in Environment
For Our Renewable Energy Programmes
CSR ACT 2013: Section 135 - Who needs to comply
Applicable with effect from April 1, 2014

Companies
Net Profit > = Rs. 5 crore OR
meeting any of
these criteria in Net worth > = Rs. 500 crore OR
any of last 3
financial years Turnover > = Rs. 1,000 crore

Spend, in every financial year, at least 2% of average net profit made during
the immediately preceding financial year
Monitoring, Evaluation & Reporting of CSR as per Section 135 & CSR Rules
Role of Board
Governance Monitoring & Evaluation Reporting

• Formation of CSR Committee • Institute monitoring mechanism • Approve and disclose CSR Policy
for implementation in the annual Report and on
• CSR Committee to form and company website
recommend CSR Policy to Board • Meeting to review the CSR Policy
• Disclosure of the CSR Report in
• Monitoring CSR Policy • Ensure implementation as per Annual Report every year
CSR Policy (Annexure V to the Directors
Report)

• Specify reasons if the required

amount is not spent

• Transfer unspsent amount to Escrow & Non-compliance punishable

with fine. (Not yet in practice as it is not notified in the Gazette)
Report
• Reporting and communication is crucial element of the CSR process as it closes the loop
between input and achievement.

• Stakeholders increasing demand for responsible corporate behaviour and transparent

corporate reporting on non-financial governance and performance.

• Companies generally reports non-financial disclosure by using different terminologies

• Corporate Responsibility (CR) on a broader sense refers to ethical, economic,

environmental and social responsibilities of business.
Why CSR Report
Helps to measure, understand and communicate CSR performance.

CSR Sustainability – the ability for something to last for a long time.

Measures the impacts.

Key platform for communicating CSR sustainability performance – whether positive or negative.

CSR Sustainability performance are monitored on an ongoing basis.

Data can be provided regularly to senior decision makers to shape the organization's strategy and policies, and improve
performance.
International outlook of CSR
Globally including Indian companies voluntarily using the international standards for
reporting and communication purpose.
Human
rights
• Social Accountability International (SAI) SA8000 Standard Welfare
Sustain-
• OECD Guidelines: Multinational enterprises and CSR Policy Tool through
ability
• UN Guiding Principles on Business and Human Rights business
• AccountAbility’s AA1000 series of standards
• UN Global Compact Self-Assessment Tool
• Social Return on Investment Network Focus
areas Triple
• ILO’s tripartite declaration Shared
bottom
• ISO 26000: Social responsibility value
line
• GRI Sustainability Reporting Framework
• London Benchmarking Group model
Consumer Corporate
concerns citizenship
CSR Reporting – Indian Context

At the national level in specific, regulations are driving the reporting agenda.

• Business Responsibility Reporting mandate by SEBI for 500 top listed companies as per market cap

• The disclosure on Corporate Social Responsibility initiatives and spent as per The Companies Act 2013 in
Annual Report

• Display of CSR activities on its website including the approved policy and its contents
Disclosure

Direct communication Internal

with society communication

Communication
with other stakeholders
Using logical framework the CSR activities to be monitored
Case Study Safe Drinking Water- UP & Rajasthan Dehradun
About Water stewardship
As a part of Hinduja Group Water Stewardship chapter and IBL’s CSR mandate below are the
water initiatives which were broadly categories into:

Availability and Accessibility of Creating infrastructure for Rejuvenation of:

pure drinking water: development of water resource:
• Village pond at Garniya and Birol
• Water ATM at Rajasthan, Uttar Pradesh • Watershed Management at villages, Jaitaran, Rajasthan
Maharashtra, Odisha, Jharkhand and • Sholinganallur Lake, Chennai
Madhya Pradesh • Ramachandra nagar pond, Chennai
• Roof Rain Water Harvesting, Jaitaran • Kulappan Kulam Pond, Chennai
Block Pali District Jodhpur Rajasthan • Wazirabad drain restoration
• Springshed Management, Odisha
Decentralized Safe Drinking Water to Rural India
Issues
• Over 60% of all rural households in India procure drinking water from a groundwater source.
• This brings forth the issue of presence of dissolved ionic contaminants – including Fluoride, Nitrate, Iron and
Arsenic – which affect over 200,000 habitations in the country.
• This has caused severe illnesses leading to adverse implication on the overall health of the community.
• Many villagers are unaware of the fact that the water they currently consume may contain many potential
disease causing pathogens and impurities
• Communities are generally unaware of connect between pure drinking water and physical wellbeing.
• Household who desire for water purifiers and packaged water as a source of safe water do not afford to have
one.
• Centralized treatment and distribution of drinking water for remote rural areas is capital intensive and tends
to compromise quality, the most vital parameter, over the long run
• Other options like packaged water and domestic water purifiers are not affordable to 3/4th of the population in
our country. At the same time it is also highly raw water inefficient.
• Some villagers are unwilling to spend on drinking water (Rs.5 for one cup of tea/Rs. 6 for 20 litres of pure
water)
Community safe drinking water scheme -Impact studies
Ground realities of raw water used for drinking :
• Around 37.7 million Indians are affected by waterborne diseases annually,
• 1.5 million children are estimated to die of diarrhea alone and 73 million working days are lost due to
waterborne disease each year,
• Resulting economic burden is estimated at $600 million a year.
• 66 million Indians are at risk due to excess fluoride and 10 million due to excess arsenic in groundwater and
Iron, nitrate, high TDS is also emerging as a major problem

Study by IRMA
• Reduction in water borne diseases (60%)
• Reduction in absenteeism from school - from 3 days a month to Nil
• Substantial financial savings ...about Rs.1687 per month per rural household
• Saving in Fuel and Time ( Food cooks faster in clean drinking water)
• Reduction in visits to the doctor (dropped from 57% to 25%)·
Objectives

• To address the accessibility and affordability issue for pure drinking water in rural
locations by establishing community-led decentralised solutions to create affordable
provision of drinking water
• To adopt and deploys innovative solutions for creating affordable access to safe drinking
water in underserved areas
• Create a community led village model where ownership of assets and all decision making
is done by villagers
• System should sustain itself financially
• Reduction in women drudgery to carry water
• Should result in bringing awareness amongst communities on important of safe drinking
water for overall well being
Model Water ATM
• Feasibility and Scoping study conducted for the suitability of intervention identifying gaps in the present drinking waters
system
• Engagement of the community and Panchayat: From the planning stage Panchayat members are actively involved to
inculcate a sense of active community partnership.
• Crated livelihood opportunity the Local community members were selected and trained as entrepreneurs to manage
and operate the water purifying unit. The project will be operated in partnership with an entrepreneur; thereby creating
sustainable livelihood opportunity for locals
• Created infrastructure: After the community commitment the water purification equipment and wall mounted water
ATM was installed at he accessible location
• Water Recharge system installed: As the process will involve ground water extraction for purification. To replenish the
water table, recharge pit will be installed through roof top rain water harvesting system, reject water etc.
• Inclusive approach: Below Poverty Line will be tracked throughout the programme assessed. Such households can be
given a concession on the per litre cost (10-15 paisa/litre) to include them in the programme
• Awareness and Education: Appropriate IEC (Information, Education and Communication) materials developed to
generate and raise awareness on water-health risk association explaining the health hazards associated with drinking
contaminated water.
• Ensured round the clock availability of clean, safe drinking water through state of art water purification technology to
the community
 Public Outreach Model
Primary Target
1. Women – Active community
members,
2. Anganwadi workers, SHGs
3. School teachers
4. Elected representatives

Content
Women, school, health centres &
SHGs:
Source of drinking water
Understanding the health risk
associated to it as well as
women/children drudgery.

Elected representative :
Public outreach Matrix : User charges
Objectives -> Target group -> Activity/tools Feedback on service delivery
-> facilitator -> Frequency -> location Sustainability
Use of technology in project implementation
Technology plays a vital role in providing a comprehensive solution for delivery of low cost drinking water at
the last mile. The various components include:

Water Purification Plants: water is purified through a site-designed filtration process including media
filtration, micron filtration, reverse osmosis (RO) filtration and UV purification.

Soochak Controller: A Microprocessor-based device called the

“Soochak” is Installed on each water purification plant to monitor
the source water quality, product water quality, liters produced
(both rate and total), the overall health of the machine.
This real time online monitoring enables to assure a
greater uptime in machine usage, ensure machines last longer
and provide better quality water
Use of technology in project implementation
Jal-Jeevan Water ATM Device: Water ATMs are cloud-connected,
automated water vending machines that dispense water at swipe of a RFID
card. ATMs track every transaction that takes place, which enables
sophisticated market forecasting and proactive maintenance management.
It also:

• Enhances scale of impact and optimizes net investment per installation

• Establishes water-price transparent markets
• Assures 24x7 access to safe drinking water
• Presents option to provide direct-targeted subsidies through government
run programs.
• Ensures water quality accountability at the last mile
Major learnings :
 Project needs close and constant monitoring by the companies, cannot be outsourced
 Participation of the community in Urban, Semi Urban and Rural setting very different, with the Rural
community most welcoming

 It is imperative to have community’s ownership of the programme in order to sustain it.

 Awareness program needs to be very robust and to be continued for longer periods
 Recharge bores and Rainwater harvesting have been introduced for the first time in the safe
drinking water ATMs

 Capacity building of ATM operator and the Village water committee very important
 Dealing with caste politics, water tanker cartels very difficult
 VERY HIGH IMPACT However community ownership is essential
 Technology helps to monitor the project day to day to alter the strategy
 Women Drudgery impacted due to the accessibility for drinking water
Launches till 30th June, ‘19
Location District Launch Date
Gohana Ajmer 28-Feb-2019
Kharwa Ajmer 28-Feb-2019
Sarmaliya Ajmer 02-Mar-2019
Sargaon Ajmer 02-Mar-2019
Duthariya Pali 11-Mar-2019
Banta Pali 13-Mar-2019
Peepaliya Khurd Pali 15-May-2019
Khardi Pali 26-May-2019
Sohanaria Khushinagar 07-Jun-2019
Laxmipur Khushinagar 11-Jun-2019
Kotda Ajmer 17-Jun-2019
Nagelao Ajmer 20-Jun-2019
Ramgarh Ajmer 22-Jun-2019
Bharwal Gorakhpur 17-Jun-2019
Barhi Gorakhpur 21-jun-2019
Jungle Jujhwa Gorakhpur 28-Jun-2019
 Average litres dispensed per day
1,200.00

1,000.00

800.00

600.00
April
400.00
May
200.00 June
-

Banta
Kharwa
Sarmaliya

Barhi
Bharwal
Gohana

Sargaon
Duthariya

epliya Khurd
Khardi

Kotda

Ramgarh
Sohnariya
Luxmipur

Nagelao
Pe
• Data of the 1st 3 days from the launch date (free water) are excluded to arrive at a realistic view of daily offtake.
• 1000 L/day is the figure at which operational cost recovery is feasible, hence indicating
sustainability. This is aimed to be achieved in 5-6 months
• Locations launched post 20th June are not considered given their short period of functioning
2
8
Community Awareness and Local Marketing (CALM) activities conducted
Location Total water Dispensed In Total water Dispensed In Total water Dispensed In
April May June
Gohana 11584 12488 12396
Kharwa 21235 22542 25444
Sarmaliya 23280 20589 29063
Sargaon 8699 5617 3934
Duthariya 15912 9444 8326
Banta 14413 12058 4325
Peepliya Khurd NA 7115 4297
Khardi NA 5666 3495
Sohnariya NA NA 9979
Luxmipur NA NA 10571
Kotda NA NA 6884
Nagelao NA NA 3892
Ramgarh NA NA 4531
Jungle Jhujhwa NA NA 2670
Barhi NA NA 10455
Bharwal NA NA 9429
In all locations, raw water TDS ranges from 2 to 5 times the BIS limit (500 PPM), which is finally purified to <300 PPM
(WHO rating of ‘Excellent’) before dispensing
Outcome of CALM activities : Card creation
Location Launch Activity Done Annual CALM person days No: of Person days No: of Person days
Date budgeted (excluding 3 ops (Feb-March ‘19) (April-June ‘19)
person days)
Gohana 28-Feb- Door to Door, Group Meeting 23 12 3
2019

Kharwa 28-Feb- Door to Door, Group Meeting 23 12 5

2019

Sarmaliya 02-Mar- Door to Door, Group Meeting 23 12 4

2019

Sargaon 02-Mar- Door to Door, Group Meeting 23 12 3

2019

Duthariya 11-Mar- Door to Door, Group Meeting 23 12 2

2019
Banta 13-Mar- Door to Door, Group Meeting 23 10 2
2019
Peepaliya Khurd 15-May- Pre launch, Launch, Door to 23 NA 9
2019 Door, Group Meeting

Khardi 26-May- Pre launch, Launch, Door to 23 NA 16

2019 Door, Group Meeting
Group Meeting Aanganwadi Meeting Door to Door Door to Door

Door to Door TDS Demo Pamphlet Distribution

Q&A
Thank You