Unified Credit Solutions Private Limited
Corporate Social Responsibility Policy


  1. Unified Credit Solutions Private Limited (‘Company’) has developed its Corporate Social Responsibility Policy (‘Policy’) in accordance with section 135 of the Companies Act 2013 and the rules made there under, as amended from time to time.
  2. The Policy shall apply to all Corporate Social Responsibility (‘CSR’) programmes and activities of the Company.


Company has created a space in the society not just as a leading Credit Management Group, but also as an organization that ‘cares’ for the community. Since its inception, it has placed great importance to contribution towards the development of community. Their CSR initiatives reinforce them as a socially-responsible and value-based organisation, committed to making the world a better place to live in.


To positively impact people’s quality of life.


The Policy shall hold valid until the company ceases to be a company covered under sub-section (1) of Section 135 of the Act, for 3 consecutive financial years.

Board of Directors may amend the CSR policy as may be required, from time to time.


  1. Promoting education, including special education and employment enhancing vocational skills especially among children and the differently abled.

UCS strongly feels that individuals with Autism, Cerebral Palsy, Down syndrome, Dyslexia, ADHD or any other physical or mental different ability can excel in life with special care, love and guidance. UCS, through its CSR initiatives, will strive to make the world a more inclusive place by providing quality special education, sports education, employment enhancing vocational skills, treatment, therapies, etc. for children and adults with special needs. UCS also wants to promote inclusive education because when surrounded with their fully functioning peers, they are exposed to diversity, develop friendships and improve interpersonal skills. It also helps to develop acceptance and inclusion among the other students.

  1. Eradicating hunger, poverty and malnutrition; promoting health care including preventive health care.

UCS aims to promote awareness on prevention and cure of increasing liver ailments especially among children. To support by facilitating surgeries, medicines, consultation with doctors, providing financial and logistics support and counselling. UCS also aims to provide specialized healthcare therapies to differently abled children.

  1. Urban Slum Development, promoting gender equality and empowering women.

UCS aims to transform the slums through education, skill development, providing medical care and other necessities and empower women by livelihood enhancement projects.

  1. Ensuring environmental sustainability, ecological balance, protection of flora and fauna, animal welfare, agro forestry, conservation of natural resources and maintaining quality of soil, air and water.
  1. Disaster Relief.

UCS believes it is important for corporates to stand up for fellow citizens in times of disaster and help the people in relief operations and rebuilding.

  1. Any other activities covered under Schedule VII, within India, excluding activities undertaken in pursuance of normal course of business of a company.
  2. The CSR projects or programs or activities that benefit only the employees of the company and their families shall not be considered as CSR activities in accordance with section 135 of the Act.


  1. The Board of Company shall ensure that in each financial year, the Company spends at least 2% of the average net profit made during the immediate three preceding financial years.
  2. In case of any surplus arising out of CSR projects the same shall not form part of business profits of the Company.


  1. The Board of Directors may decide to undertake and implement its CSR activities through a registered trust or registered society or a Section 8 company (Non-profit entity) established by the company or its holding company or its associate company.
  2. In case the Board of Directors decide to implement its CSR programs or projects through a trust, society or a Section 8 company which is not established by the company or its holding or subsidiary or associate company, then such an entity will need to have a 3 years of established track record of undertaking similar projects or programs.
  3. The company may also collaborate with other companies for undertaking CSR projects or programs. Provided that company can report and document the project separately.
  4. In case activities are undertaken through the above mentioned entities, UCS India shall specify the project or programs to be undertaken through these entities, the modalities of utilization of the funds on such projects and programs and the monitoring & reporting mechanism.
  5. The Company will enter into partnerships with the government, not for profit organizations, business partners and communities to create multiplier effect of its social projects.
  6. The Company may use services of expert agencies, consultancy firms etc. wherever required for carrying out baseline surveys, guidance on project design and implementation, third-party monitoring and evaluations, impact assessment surveys etc.
  7. The Company shall give preference to its area of operations.

CSR Governance Structure

Approval – Board of Directors

Oversight – CSR Committee

Roles and Responsibilities

A. The Board of Directors

The Board of Directors of the Company will be responsible for:

  1. Approval of the CSR Policy of the Company.
  2. Disclosing the content of the Policy in its report and place the Policy on the Company’s website in such a manner as prescribed under Section 135 of the Companies Act 2013, read with the CSR Rules.
  3. Ensuring that activities included by a company in its Corporate Social Responsibility Policy are related to the activities included in Schedule VII of the Act.
  4. Ensuring that the Company spends, in every financial year, at least 2% of the average net profits of the Company made during the three immediately preceding financial years in pursuance of the Policy.
  5. Ensuring that the Company gives preference to the local areas around its operations for spending the amount earmarked for CSR projects
  6. Ensuring that it specifies the reasons in its report for not spending the earmarked amount in case the Company fails to spend such amount.

B. The CSR Committee

The CSR Committee comprises of:

  1. Pankaj Sachdeva, Founder and Managing Director – Chairman of CSR Committee
  2. Sahil Bhatia, Director Legal – Member of CSR Committee
  3. Lakshay Sachdeva , Director – Member of CSR Committee

The CSR Committee of the Company will:

  1. Formulate and recommend the CSR Policy to the Board for approval.
  2. The Committee shall indicate the projects along with budgets, to be undertaken by the Company, as per Schedule VII and CSR policy.
  3. Instituting a transparent monitoring mechanism for social projects undertaken by the Company.

Monitoring and Reporting Framework

A. Project monitoring

  1. The Company will institute a well-defined monitoring and evaluation mechanism to ensure that each social project is progressing as per the agreed timelines, has clear objectives developed out of the societal needs, is achieving the desired impact, is efficient and effective and to address the challenges faced (if any).
  2. A progress monitoring and reporting framework shall be instituted by the Company that is aligned with the requirements of Section 135 of the Companies Act and the CSR Rules.
  3. The Company may use services of expert agencies, consultancy firms etc. for monitoring and evaluation of CSR projects.

B. Reporting framework

  1. The CSR Committee will monitor progress on CSR projects and CSR spend and report to the Board at the end of year or earlier, if needed.
  2. The Company will report CSR performance in its annual report as per the structure and format prescribed in the notified CSR Rules.