×

Social and Relationship Capital

Building trust, maintaining transparency and consistent engagement with our customers, employees, distributors, communities, regulators and other stakeholders are the cornerstones of our Social and Relationship Capital. By leveraging our technological expertise, driving meaningful collaborations, ensuring exceptional experiences and fostering responsible business practices, we strive to strengthen our relationships and create long-term value for each one of them.

Delivering Exceptional Customer-First Experiences

Customer satisfaction is a priority at CAMS. The annual customer feedback survey plays a vital role in enabling this. By providing insights into the evolving needs and expectations of our customers, the survey helps us to refine our customer service strategy, optimising experience across the consumer lifecycle. Our digital and proprietary platforms further elevate this experience by making our services smoother, faster, and easily accessible to our customers - anywhere, anytime.

Dear CAMS Team,

We are delighted to inform you that Unifi Capital has officially received the SEBI licence to commence mutual fund operations. This milestone marks a significant step in our journey, and we are pleased to share this achievement with you.

We would like to extend our heartfelt gratitude to the CAMS team for the invaluable support and guidance provided throughout this process. Your expertise and commitment have been instrumental in helping us reach this stage, and we sincerely appreciate the dedication and effort put forth by everyone involved.

As we embark on this exciting new venture, we look forward to strengthening our partnership with CAMS. Your continued support will be essential as we work together to deliver exceptional service and innovative investment solutions to our investors.

Thank you once again.

Warm regards,George Alexander, Chief Executive Officer UNIFI Asset Management

SDG’s Impacted

Material Priorities

  • Client Relationships
  • Conduct and Ethical Practices

Risks

  • Cybersecurity Risk
  • Operational Risk

Robust Grievance Handling Mechanism for Investors

An effective grievance redressal framework serves as a crucial pillar of our customer-first philosophy. All consumer grievances are addressed promptly through a comprehensive and streamlined process:-

Dedicated grievance email ids for all CAMS-serviced funds are mentioned on our website. Customers can select the grievance email ID of the respective fund house and write directly to them about their grievances. Alternatively, they can write to the Investor Relations Officer of the concerned mutual fund as stated in SID or in AMC website.

Investors also have an option to log their complaint/grievance through the CAMS website or call CAMS helpdesk/call-centre on our toll-free number/ WhatsApp to register their queries or concerns.

In case of an unsuitable/ unsatisfactory response, aggrieved investors can escalate their concern to CAMS Compliance Officer or the Managing Director by quoting the reference number for the complaint.

In case of an investor not being satisfied by CAMS response to the complaint, they can approach SEBI and lodge their complaint through SCORE, SEBI’s web-based centralised grievance redressal system, at https://scores.sebi.gov.in

Investor Satisfaction Survey FY 2024-25

Employee Grievance Redressal

Employees form an integral part of our Social and Relationship Capital, contributing to our shared goals through their commitment and world-class performance. Protecting their needs and interests and ensuring their well-being is our responsibility and also important for building a safe and inclusive work environment.

In September 2024, we established a robust process for grievance redressal at the workplace. The process enables early detection of toxic and unprofessional behaviours, effectively addresses employee concerns such as burnout and stress at work, and keeps the managers in loop to take timely and necessary action.

6

Lives Impacted

Engaging with Distributors

In an effort to educate and empower our mutual fund distributors we organised 75 Elevate – distributor engagement events – across 48 cities, attended by 4,687 participants. The topics ranged from regulatory updates to growth and new features of our technology platforms. The sessions were attended by top fintech partners, banking partners and leading MFDs and other partners.

Bhubaneswar

Chennai

Hyderabad

Jamshedpur

Lucknow

Vijayawada

Empowering Our Communities

Community development and environmental conservation are embedded into every aspect of our business operations. By investing in the well-being of the communities we operate in and structuring our day-to-day activities in a way that protects natural resources, we aim to ensure inclusive growth and build a sustainable planet.

Key CSR Focus Areas

Protecting the Environment

It is both our need and duty to protect this planet that we call home. Aligned with this, our environmental conservation initiatives are centred around protecting and restoring Earth’s natural resources. From making continuous efforts to optimise resource usage and renewable energy transition to reducing waste, we are making significant contributions to the global sustainability goals.

  • Sustainable sourcing practices implemented which includes using renewable energy, reducing waste, and ensuring that products are recyclable or biodegradable
  • Robust digital infrastructure helps to reduce travel, paper consumption and energy usage
  • 100% e-waste disposed as per regulations
  • High employee participation in volunteering initiatives focussed on environmental conservation. This involves cleaning up the beaches, planting trees, and supporting eco-friendly startups and initiatives
  • Engagement of external agency for providing ESG advisory services and Green House Gas (GHG) inventorisation for reducing emission

Educating the Underprivileged

We are committed to building a world that is more inclusive and provides equal opportunities for all. Providing education and vocational training for children in rural areas is a step in this direction and will empower the future generations to become more confident, capable and financially independent.

  • Through one of our CSR initiatives, we collaborated with eVidyaloka - a reputed NGO, to provide a digital classroom programme to rural children. Passionate volunteer teachers from around the world collaborated with government elementary schools in remote villages, delivering live interactive classes to children aged 10-14 in their local language
  • Interactive courses and activity-based learning is offered to rural children in the areas of creative design, art, creative writing, math, and environmental science
  • Consistent efforts to bring technology and internet access to rural communities are being made to support digital learning and bridge the education gap. These initiatives involve providing digital devices like tablets or laptops, setting up computer labs, and offering online learning platforms

Healthcare Initiatives

The rising cost of healthcare and lack of health awareness amongst the rural communities leads to medical neglect, widespread preventable diseases, chronic illnesses, unnecessary economic burden and a lot of other issues. Our healthcare initiatives, by making healthcare more affordable and accessible, aims to provide seamless healthcare support to marginalised communities. Our endeavours are focussed at addressing the primary healthcare concerns of the underserved population and encouraging healthy living practices through quality healthcare programmes and health awareness sessions.

  • We are funding the operations of a care centre to support its ongoing efforts to care for underprivileged children with special needs and conditions such as autism, cerebral palsy, down’s syndrome, mental retardation, ADHD, etc.
  • During the year, CAMS supported eye check camps for workers in unorganised sector through occupational optometry services. Sankara Nethralaya organised 36 camps in different parts of Tamil Nadu, benefiting 3,240 people, as part of the above CSR initiative

Committed to Building a Better Tomorrow

At CAMS, we are committed to contributing towards a better, more sustainable tomorrow through focussed efforts to uplift our communities and restore our natural ecosystems. Aligned with this, numerous initiatives were taken during the year to educate underprivileged children, build skills and employ marginalised youth, provide healthcare support to economically weaker sections, support mentally challenged and disabled people, empower women and preserve our environment.
8.32+ crores

Total CSR Spends in FY 2024-25

Indian Institute of Technology Fintech Innovation Lab

The lab aims to enable the researchers to devote time to interdisciplinary challenges, thereby establishing IITM as a thought leader and knowledge powerhouse in this domain and collaborating with the industry to develop relevant fintech solutions. Other than focussing on futuristic advancements in financial technology, the lab would also engage in activities to increase the adoption and implementation of these technologies throughout India and abroad.

CAMS IIT-M Fintech Innovation Lab (“CIFIL”) was created as a part of contribution to Indian Institute of Technology Madras for setting up a Centre of the Excellence for research related to fintech industry which will champion the adoption of best practices in industrial applications, and to foster a climate of entrepreneurship to exploit and accelerate Fintech-related innovation.

The lab was inaugurated by Ms. Nirmala Sitharaman, Hon. Finance Minister, Government of India, in the presence of Dr. V. Kamakoti, Director, IITM and Dr. M. Thenmozhi, Professor and Head of Department of Management Studies.

Eureka Education Foundation/Chudar

Eureka Education Foundation, run by an alumni/former faculty of IIT Madras, conceptualises and implements large-scale programmes to improve access and quality of education amongst underprivileged children. Aiming to mitigate the persistent challenge of low student competencies and widespread learning gaps, commonly prevalent in children from economically weaker sections, the Foundation runs after-school centres for poor children in Chennai’s slums. The school curriculum and methodologies are aligned with the state board curriculum, with focus on key concepts and skill development, to ensure relevance and maximum impact.

Support by CAMS:

Aligned with its CSR focus on education, CAMS enables smooth functioning of after-school centres in the urban slums of Mandaveli, Teynampet and Saidapet in Chennai. Other than this, after-school centres across 25 villages in Tiruvannamalai district and 10 villages in Chengalpattu district of Tamil Nadu also receive extensive support from the organisation. Assistance was also provided to set up small libraries in the aforementioned villages. The initiative benefited approximately 1,500+ students who enrolled in these centres during the year.

Sankara Nethralaya/Medical Research Foundation

The Foundation provides free eye care support and facilitates eye surgery for patients from underprivileged backgrounds, helping them to deal with the challenges arising from impaired vision and disabling eye conditions like cataract.

Since most patients are daily wage earners, problems in vision may prevent them from working, causing livelihood loss and making them financially dependent on their immediate family. The initiative serves as a life-changing intervention for the beneficiaries, protecting them against vision-related challenges and impending financial hardships.

Support by CAMS:

During the year, CAMS supported the Foundation by organising several eye check camps and offering occupational optometry services to rural people and unorganised sector employees. 36 camps were organised in different parts of Tamil Nadu benefiting 3,240 people as part of the above CSR initiative.

AIM for Seva

AIM for Seva is a registered, pan-India non-profit charitable trust formed with the principle objective to empower rural and tribal children in India through education, powered by an innovative concept - Free Student Home. Apart from enabling easy access to school and providing shelter, food and clothing, Free Student Home also imparts value education, teaches life and IT skills, and conducts extracurricular activities for these children.

Besides educating rural India, the institution also provides employment to students coming from the hinterlands. Growing in scope and scale, its projects now span 16 states, with focus on rural education, community development, healthcare, Vedic studies and support for special kids and differently abled adults.

Support by CAMS:

During the year, CAMS supported 100 student beneficiaries from Tamil Nadu and Uttar Pradesh under the Free Student Home initiative and bore their food expenses, educational expenditure, and cost of books and uniforms.

eVidyaloka Trust

eVidyaloka Trust aspires to provide quality education to rural children in the age group of 10-14 years by leveraging the power of technology to connect them with passionate teachers across the world. Following a pre-set curriculum imparted through live video classes by the volunteering teachers to students of government elementary schools (6th to 8th grade), the initiative is focussed at addressing the education gap and disparities identified by the District Information System for Education (DISE) - Annual Status of Education Report.

Support by CAMS:

CAMS continued to support the eVidyaloka Digital Classroom Program in FY 2024-25, helping the Trust to conduct regular online sessions in 15 schools across Tamil Nadu, Maharashtra, Telangana, Jharkhand and Gujarat.

A total of 517 students enrolled in the programme completed 602 sessions out of 624 planned sessions, with assistance from 53 volunteer teachers. Different activities and celebrations were also organised in the centres.

Soulfree

More than 75 million people in India are living with disabilities. More than 15% of them are facing severe challenges, subjecting them to social stigma, shame and discrimination and often leading women with spinal cord issues in rural communities to feel burdensome.

“Soulfree”, a public charitable trust, helps severely disabled people live a life of dignity and purpose. With a primary focus on fulfilling the needs of disabled rural women, especially those affected due to spinal cord injury, the Trust provides dedicated support for medical care, rehabilitation, education, employment, societal acceptance and integration, government assistance, and long-term care facilities, thus serving as a reliable support system for them.

Support by CAMS:

CAMS support to the cause is decided on a yearly basis, depending on the project’s needs. During the year under review, CAMS supported the operational cost of the Trust.

Sarthak Foundation

Sarthak Foundation started with the belief that no child should be left behind for being born into economic and social disadvantage. With a vision to raise ‘Happy Empowered Children’, it reaches out to disadvantaged children and supports in making them self-sustainable and break the shackles of abject poverty through education, socio-emotional strengthening, and skill development.

Taking an innovative approach to realise the vision, the Foundation establishes permanent safe spaces called ‘Yellow Rooms’ in the heart of urban slums and rural poor communities. Each ‘Yellow Rooms’ setup comprises two rooms painted bright yellow. Two permanent educators are placed within them, each devoting 6 hours every day, all year round, for several years to children from marginalised backgrounds – transforming them into confident, educated and aspiring young adults.

Support by CAMS:

In FY 2024-25, CAMS helped in setting up three ‘Yellow Rooms’ or classrooms for children from marginalised backgrounds under the project.

Arvind Foundation

Arvind Foundation is working towards benefiting underprivileged children with special needs, challenged by health conditions such as ADHD, ADD, down’s syndrome, muscular dystrophy, mental retardation, epilepsy, hydrocephalus, microcephalus, spina bifida, chromosomal disorder, neurological disorder, dyslexia etc. Facilitated by its six centres, the Foundation focusses on prevention, early intervention, rehabilitation and inclusion of these children and caters to their individual needs through personalised therapy and training. Curative education which nourishes their soul and builds hope and trust within them is also provided under the initiative.

Support by CAMS:

During the year, comprehensive support was provided by CAMS to one of the centres operated by Arvind Foundation.

Association for Non-Traditional Employment for Women (ANEW)

ANEW is an NGO committed to the cause of upliftment of underprivileged women, most of whom are first generation college goers, providing them with free of cost nontraditional skills training and placement opportunities to become financially independent.

Deserving women candidates are referred by colleges and shortlisted by the Foundation based on various criteria after which they are enrolled for a 3-month basic course in computers and relevant communication skills, soft skills and employability skills are also taught. Most beneficiaries are immediately employed by corporates and a few are hired by CAMS.

Support by CAMS:

CAMS supported 150 students to learn basic computer skills, 50 students in Tally and accounting, and 25 students in Python programming during this financial year. Training for all courses was completed as scheduled, and course completion certificates were awarded to all students who successfully passed the relevant exams.

Sai Amrit Employability Skill Trust (SAEST)

SAEST is an innovative community-based workforce development initiative providing end-to-end solutions to link learning and livelihood for disadvantaged youth and women. Addressing their livelihood issues and supporting their transition from poverty towards a secured future through training and skilling remains at the core of this initiative.

Considering the growing opportunities in retail sales and service industry, the Trust is training beneficiaries to become highly skilled retail sales service associates through a comprehensive 360 hours residential skill development and certification programme spanning 45 days. Other benefits include boarding and lodging.

Support by CAMS:

CAMS has supported training of 2 batches, comprising 30 trainees each, under this programme, benefiting a total of 60 rural youths.