Track financed emissions, assess climate risk, and ensure regulatory compliance. Purpose-built for banks, NBFCs, and asset managers.
Unique sustainability challenges in financial services
Calculating Scope 3 Category 15 emissions from loan portfolios and investments is complex but increasingly required.
RBI climate risk guidelines, SEBI BRSR requirements, and global frameworks like TCFD demand comprehensive reporting.
Assessing physical and transition risks across portfolios requires sophisticated modeling and data.
Setting and tracking progress against portfolio decarbonization targets aligned with 1.5°C scenarios.
Purpose-built tools for financial institutions
Calculate portfolio emissions using PCAF methodology across asset classes — corporate loans, mortgages, project finance.
Assess physical and transition risks with scenario analysis aligned with NGFS scenarios and TCFD recommendations.
Generate BRSR, TCFD, CDP, and PRB (Principles for Responsible Banking) disclosures from a single data set.
Track portfolio temperature alignment with Paris Agreement goals. Set and monitor sector-specific targets.
Assess ESG risk of borrowers and counterparties. Integrate ESG into credit decisions and pricing.
Track green loans, sustainability-linked loans, and ESG-themed products across the portfolio.
Financed emissions are the GHG emissions associated with a financial institution's loans and investments. They fall under Scope 3 Category 15 and typically represent 95%+ of a bank's total carbon footprint. PCAF (Partnership for Carbon Accounting Financials) provides the standard methodology for calculation.
Yes, ESG PULSE fully supports PCAF methodology for calculating financed emissions across all asset classes including corporate loans, project finance, commercial real estate, mortgages, motor vehicle loans, and listed equity & bonds.
ESG PULSE helps banks comply with RBI's climate risk framework by providing climate scenario analysis, physical and transition risk assessment, stress testing capabilities, and automated reporting aligned with RBI guidelines.
Yes, ESG PULSE integrates with major core banking systems via API to automatically pull loan portfolio data, reducing manual data collection and ensuring accuracy. We support integration with Finacle, Temenos, Oracle FLEXCUBE, and others.