Your portfolio's emissions, and the risks behind them
For a lender or investor, most emissions sit in the portfolio. ESGTrack attributes them to PCAF, classifies climate finance, stress-tests the loan book under a carbon price and keeps the governance records RBI asks for — alongside your own operations' BRSR.
Illustrative screen with sample data. tCO₂e.
Financed emissions to the PCAF standard
Loans and investments are entered or imported by PCAF asset class; ESGTrack attributes each counterparty's emissions by the share you finance, records the data quality score of each figure, and totals financed emissions and weighted average carbon intensity (WACI) across the portfolio.
- Attribution for each PCAF asset class: listed equity and bonds, business loans, project finance, commercial real estate, mortgages, motor vehicle loans and sovereign debt
- Data quality scores from 1 to 5, so improvement can be targeted
- Portfolio targets followed from your data
- Your own operations' Scope 1 and 2, and BRSR if you are listed
Illustrative screen with sample data.
RBI climate-risk records and disclosures
RBI's November 2025 directions on climate finance and the management of climate-change risks ask banks to classify climate finance and manage climate risk with board oversight. Its disclosure framework on climate-related financial risks was published as a draft in February 2024 and was not final in October 2026. ESGTrack keeps the records for the first and drafts the disclosures of the second.
- Every exposure classified as green, adaptation, transition or not climate finance, with totals and coverage
- Governance records: board and committee meetings on climate risk, policy approvals, training and roles
- The draft framework's eleven disclosure items, with metrics filled from your figures
- A supervisory data export and readiness against the directions
Sources: RBI, Climate Finance and Management of Climate Change Risks Directions, 2025; Draft Disclosure framework on Climate-related Financial Risks, 2024. Checked October 2026.
Illustrative screen with sample data.
Questions from financial institutions
What are financed emissions?
The greenhouse gas emissions of the borrowers and investees you finance, attributed to you by the share you finance — category 15 of a financial institution's Scope 3. The PCAF standard sets how to attribute them for each asset class and scores the quality of the data from 1 to 5.
Has RBI issued a final climate disclosure framework?
Not as of October 2026. RBI published a draft disclosure framework on climate-related financial risks in February 2024, organised around governance, strategy, risk management, and metrics and targets. In November 2025 it issued directions on climate finance and the management of climate-change risks. ESGTrack prepares both the eleven disclosure items of the draft and the records the directions call for.
How does the stress test work?
A carbon-price scenario is applied to each borrower's own Scope 1 and 2 emissions against its EBITDA; the resulting cost raises the probability of default in transparent bands, and high physical-risk states and districts you define raise it further. Expected loss — exposure × probability of default × loss given default — is shown before and after, by sector. The bands are a starting point to calibrate.
See your portfolio in ESGTrack
Bring a sample of your loan book to a demo, and see financed emissions, data quality and a stress test calculated from it.