Risk Breakdown
Financial Exposure
Governance
Double Materiality
Supply Chain
Material Risks
ESG Targets & Commitments
| Topic | Target / Metric | Status |
|---|---|---|
| Human Rights in Supply Chain | HR clauses in all contracts | Commitment |
AI Risk Summary
**Financial Risk Summary: Spandana Sphoorty Financial Limited** Spandana Sphoorty faces its most material financial exposure through regulatory compliance gaps, with an estimated compliance cost of ₹4–13 crore against a ₹2,180.7 crore revenue base (0.18–0.60% of annual revenue), compounded by a critical 10.0/10 compliance risk score and unknown EPR (Extended Producer Responsibility) applicability that creates audit and enforcement vulnerability under SEBI BRSR Core Expansion mandates. As an NBFC-MFI without reported Scope 1/2 emissions data, the company faces delayed disclosure obligations under BRSR P6 environmental requirements, risking SEBI enforcement action and potential delisting for listed entities if core ESG disclosures remain non-compliant. The 6.5/10 EPR exposure risk combined with unresolved regulatory classification creates contingent liability uncertainty; clarification of EPR obligations should be prioritized to avoid retrospective compliance costs and reputational damage in the microfinance sector where regulatory scrutiny is intensifying
Source: Spandana Sphoorty Financial Limited BRSR Filing, FY -. Derived from the company's own public disclosures. Not investment advice or a regulatory determination.