Welcome to the Bank Whizz Descriptive Mock Evaluation Series, where aspirants receive strict, data-backed, examiner-level evaluation to master descriptive writing for SEBI, RBI, IFSCA, NABARD and other regulatory exams.
Below is the complete evaluation for SEBI Grade A – Essay Mock 4, based on the topic “Sustainable Finance: Integrating ESG Factors into Financial Decision-Making.”
📌 Mock Meta Table
| Parameter | Details |
|---|---|
| Test Name | SEBI Grade A – Essay Mock 4 |
| Test ID | 9432 |
| Topic | Sustainable Finance: Integrating ESG Factors into Financial Decision-Making |
| Word Limit | 250 |
| Words Attempted | 246 |
| Completion | Completed, but lacks conclusion |
❓ Exact Question Asked
Write an essay on “Sustainable Finance: Integrating ESG Factors into Financial Decision-Making” in 250 words.
✍️ Aspirant’s Submitted Answer (Exact, Unchanged)
Sustainable finance is driven by the goal of resilient,stable and effective economy.It focuses on long term goals of gaining their investors trust and build a relation.To achive this the combination of Environment,Social and Governance(ESC) factor is very crucial.Environment factor include promoting an eco friendly financial business.Since environment is something which is great threat due to human intervention with the natures’s process.So to have stable financial business it is important to address the issue of climate change and carbon emission which is happening due to many financial activities.To mitigate this government and big companies need to invest in tools like e-bonds and invest in companies which promises the zero carbon footprints in their business.They should promote biodiversity, renewable resources and innovation in the direction of preserving the nature.Another factor is Social factor which include the human resource management.It should utilise and train humar resource with their fullest potential.Aiming to bring more inclusivity and respect for different culture and places.This will create a welcoming environment and will boost people to work with the companies.Financial policies made taking into consideration of people of marginalised section and bringing a sense of inclusivity among them will be a great tool to make sustainable finance.Apart from that governance is last factor which include the proper routing of process in hierarchial manner so that there should be a transparency and accountabilty among people for the work.
📊 Scorecard (Out of 30 Marks)
| Parameter | Max | Score |
|---|---|---|
| Content Quality & Relevance | 10 | 5 |
| Structure & Organisation | 5 | 2 |
| Grammar, Clarity & Language | 5 | 1.5 |
| Analytical Depth | 5 | 1.5 |
| Conclusion & Coherence | 3 | 0.5 |
| Overall Presentation | 2 | 1 |
| TOTAL | 30 | 11.5 / 30 |
✅ Strengths
- Covers all three ESG pillars: Environment, Social, Governance.
- Shows awareness of climate change, biodiversity, carbon footprint.
- Mentioned green bonds (e-bonds).
- Connects social aspect with inclusivity and workforce development.
- Attempts to link ESG with long-term investor trust.
❌ Areas of Improvement (With Corrective Examples)
1️⃣ Incorrect terminology
❌ Weak → “ESC factors”
✅ Better → “ESG (Environmental, Social and Governance) factors”
2️⃣ Over-generalised environmental section
❌ Weak → “environment is a great threat due to human intervention”
✅ Better → “climate risks such as extreme weather, emissions intensity, and resource depletion directly affect corporate valuations.”
3️⃣ Missing financial perspective
❌ Weak → No mention of risk management, disclosures, or SEBI’s BRSR norms
✅ Better → “Investors increasingly demand ESG disclosures because they reduce long-term financial risks and improve capital allocation.”
4️⃣ Weak governance explanation
❌ Weak → “routing of process in hierarchical manner”
✅ Better → “Governance includes transparency, board diversity, anti-corruption practices, and responsible executive decision-making.”
5️⃣ No conclusion
❌ Weak → Essay ends abruptly
✅ Better → Add 1–2 lines summarising sustainable finance as a future driver of responsible investing.
✏️ Line-by-Line Suggestions (6 Key Fixes)
- Rewrite the definition of sustainable finance clearly.
- Replace unclear environmental lines with precise examples: emissions, net-zero targets.
- Add SEBI’s mandatory BRSR reporting for top listed companies.
- Improve social section with concepts: labour welfare, gender inclusion, community development.
- Rebuild governance section with corporate transparency, ethics, disclosures.
- Add concluding perspective on investor confidence & long-term value creation.
🎓 Examiner’s Insight Box
A SEBI Grade A essay on sustainable finance must:
- Explain why ESG matters for financial decisions
- Mention SEBI’s regulatory framework (BRSR, ESG disclosures)
- Show role of investors, asset managers, and companies
- Provide global context (EU taxonomy, global ESG funds)
- Maintain tight structure
The aspirant writes well but misses financial depth. The essay reads like a moral narrative rather than a financial analysis, leading to a lower score.
🌟 Golden Rules for This Topic
- Begin with definition + why it matters financially.
- Explain each ESG pillar with examples.
- Mention SEBI’s ESG norms and global trends.
- Connect ESG with risk management & long-term returns.
- End with a forward-looking conclusion.
🔑 Keyword Bank (Vocabulary Boost)
Green bonds, net-zero targets, BRSR reporting, carbon intensity, ethical investing, sustainability risks, impact investing, climate finance, ESG disclosure norms, long-term value creation.
⏳ 30-Second Revision Notes
- ESG integration improves risk management.
- Indian companies must follow BRSR norms.
- Climate & social risks affect financial performance.
- Governance ensures accountability & transparency.
- Sustainable finance builds long-term investor trust.
🚫 Red-Flag Mistakes to Avoid
- Misusing ESG as “ESC”
- No financial link
- No regulator mention
- Over-generalisation
- Grammar errors
- Missing conclusion
🏆 Topper’s Structure for This Essay
- Introduction – Define sustainable finance + relevance
- ESG Explanation – Clear 3-pillar framework
- Why ESG matters – financial & reputational reasons
- SEBI’s role – BRSR, disclosures, mandates
- Global context – ESG funds, COP commitments
- Conclusion – long-term sustainable value creation
🧩 Template for Similar Essays
- Start with definition
- Add ESG pillars
- Link to risks + returns
- Add regulatory context
- Add conclusion
📝 1 Practice Question
“Analyse the role of SEBI’s BRSR framework in promoting sustainable business practices in India.”
🖋️ Model Essay (Exactly 250 Words)
Sustainable finance refers to the integration of environmental, social, and governance (ESG) considerations into financial decision-making to promote responsible and long-term value creation. As investors increasingly recognise the financial impact of climate risks, social inequities, and corporate governance failures, ESG integration has become a strategic necessity rather than a voluntary ethical choice.
The environmental pillar evaluates a company’s performance on climate resilience, carbon emissions, energy efficiency, waste management, and natural-resource conservation. Firms adopting renewable energy, committing to net-zero targets, issuing green bonds, and disclosing climate data transparently are better positioned to attract sustainable capital. Investors view such companies as less exposed to regulatory pressures, physical climate risks, and reputational damage.
The social pillar emphasises labour welfare, workplace diversity, community development, and customer protection. Companies that ensure fair wages, safe working conditions, and equitable treatment tend to demonstrate higher productivity and stronger stakeholder trust. Financial inclusion initiatives, ethical supply chains, and data-privacy safeguards further enhance a firm’s social credibility and long-term stability.
The governance pillar includes board accountability, transparent reporting, anti-corruption mechanisms, shareholder protection, and responsible executive leadership. Strong governance reduces misconduct risks and ensures that organisational decisions align with sustainable growth objectives.
SEBI has strengthened India’s sustainable-finance landscape through mandatory Business Responsibility and Sustainability Reporting (BRSR) for top listed companies, promoting greater ESG transparency. Global investors are also increasingly allocating funds to ESG-linked assets and impact-driven portfolios.
In conclusion, integrating ESG factors enables businesses to manage risks proactively, attract long-term capital, and contribute to sustainable economic development for the future.
(250 words)
📘 Key Learning Notes for Aspirants
- ESG topics require financial, not moral, analysis.
- Always mention SEBI regulations + global norms.
- Provide clarity, structure, and examples.
- Conclude with future-oriented perspective.
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