The F3 Principles: Faith, Finance, and Future

By Mr. K. P. Pookoyathangal, Managing Director, KPG Roofing


Introduction: Principles That Shape a Company

Every company needs a foundation. For some, it is capital. For others, it is strategy. For KPG Roofing, it is something deeper — a set of values that guide every decision, from the smallest transaction in a showroom to the largest investment in a new region.

We call them the F3 Principles: Faith, Finance, and Future.

These are not just words. They are the lived philosophy of our founders and leaders. They are the compass that ensures KPG grows without losing its soul.


Faith: The Character of a Business

At KPG Roofing, we believe that the character of a business is the character of its founders. Business is not a faceless machine; it is a reflection of the people who lead it.

For us, faith means integrity, honesty, and respect. Across religions and cultures, one principle remains universal: “Do not do to others what you would not want done to yourself.”

That principle defines us.

  • We do not deal in interest-based finance, alcohol, or intoxicants.
  • We do not cheat, lie, or mislead our partners.
  • We do not break contracts or partnerships unless we are violated.
  • We do not indulge in black markets, kickbacks, or shortcuts.

Faith is not just belief — it is practice. It shows in how we treat our employees, our customers, our franchise partners, and even our competitors.

A person’s faith molds their character. And in KPG Roofing, that character is reflected in every transaction and every showroom.

📌 “Faith keeps us honest. Finance keeps us disciplined. Future keeps us focused.”


Finance: Integrity in Every Rupee

Finance is the lifeblood of any business. But at KPG Roofing, we believe that integrity is more valuable than capital.

Our financial discipline is guided by three principles:

  1. Transparency: Every rupee in KPG is accounted for. Whether in a founder-owned store, a franchise, or a partnership, the financial records are transparent and open to audit at any point. There are no hidden dealings.
  2. Integrity: When we make a commitment — whether it is a payment, an incentive, or a reward — we deliver. Our partners and employees know that if KPG promises, KPG pays.
  3. Prudence: We avoid extravagance. Even our showrooms and warehouses are designed with efficiency in mind, not waste. We operate lean, because financial discipline creates strength.

And one more thing: we do not believe in credit business. In an industry where credit is common, we choose the harder path of cash-and-carry. Why? Because credit weakens businesses. It creates dependencies, pressures, and risks. By maintaining financial independence, KPG stays strong and stable — for ourselves and for our partners.

💡 “Financial transparency is not a choice for us — it is a commitment.”


Future: Choosing What Lasts

The third F is Future.

Every decision at KPG Roofing is weighed against time. We ask ourselves: Will this partnership, this product, or this location still matter in 10 years?

If the answer is no, we don’t pursue it.

This discipline saves us from short-term distractions. In a company with 44 showrooms, introducing a new product is no small task. It takes time, money, and human effort. That effort is only worthwhile if the product is built for the long run.

We don’t chase seasonal trends. We don’t bring products just for quick gains. We invest in what lasts — products, people, and partnerships that can sustain for a decade or more.

The same applies to new franchises or locations. If we don’t see long-term value, we don’t commit.

🌱 “If it cannot last a decade, it is not worth our effort.”


The Mission: Customer Satisfaction

All three principles — Faith, Finance, and Future — come together in our mission: customer satisfaction.

For us, a customer is not just a sale. A customer is a relationship. The real success of a showroom is not in its revenue, but in its referrals.

When a person buys from KPG and recommends us to a friend, that is good. But when that friend buys from us and recommends us to another, that is greatness. That is what we call the Tier 2 Referral Zone.

A showroom has reached fulfillment when its business rotates in this zone — when referrals create referrals, and customer satisfaction becomes a cycle of growth.

This is how we measure true success.

“A showroom is fulfilled when referrals create referrals.”


Fulfillment: The Core of Our Vision

At KPG Roofing, we don’t just work for profits. We work for fulfillment.

Fulfillment means building trust, serving with honesty, and creating homes that families cherish for a lifetime. Fulfillment means standing by our partners, delivering on our commitments, and ensuring that every franchise feels secure.

Our larger vision reflects this. We want to make home-building a stress-free experience. Every product, every service, and every future Build Mart showroom is aligned to this mission.

Because when a customer walks into a KPG showroom, they should not just see tiles. They should see trust.


Closing Words

The F3 Principles are not slogans. They are the soul of KPG Roofing.

Faith keeps us grounded.
Finance keeps us disciplined.
Future keeps us focused.

Together, they ensure that KPG is not just a company, but a legacy — one built on trust, integrity, and vision.

That is what we live for. That is what we work for.
And that is what will guide us for generations to come.

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