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Earlysalary Services Private Limited
Earlysalary Services Private Limited, now known as Fibe, is a subsidiary of Social Worth Technologies Private Limited (SWTPL) & is a Non-systemically important Non-deposit taking NBFC registered with RBI.
Sector Focus
Finance (NBFC)
Highest Credit Rating
A- Stable by CARE
Listing (Debt)
BSE
Date of NBFC License by RBI
2021
Business & Products
Lending - short-term Instant cash loans, long-term Personal Loans and Buy Now Pay Later plans across health, education and consumer tech.
Promoter
Mr. Akshay Mehrotra
Mr. Ashish Goyal
Key Management Personnel
Mr. Akshay Mehrotra
Co-Founder & CEO, Ex - Future Group, Policy Bazaar, Bajaj Allianz
Mr. Ashish Goyal
Co-Founder & CFO, Ex CIO Bajaj Allianz
Bonds issued by Earlysalary Services Private Limited
Financial Performance
| Particulars | H1 FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1110 | 994 | 739 |
| REVENUE | 311 | 1033 | 705 |
| PAT | 28.19 | 100.18 | 55.34 |
| CAR% (Tier 1) | 22.87 | 24.80 | 25.97 |
| GNPA% | 1.74 | 2.85 | 1.95 |
| NNPA% | 0.43 | 0.63 | 0.61 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CARE Ratings | A- | Stable | -- |
Top Lenders to Earlysalary Services Private Limited
Northern Arc Capital
Shriram Finance
Tata Capital
Incred Financial Services
Oxyzo Financial Service
A K Capital
Protium Finance
Strength
Adequate capitalization supported by continuous record of mobilising capital
Improvement in scale of operations leveraging rapid scalability of technology-based underwriting model
Experienced management team
Improvement in financial performance
Weakness
Moderate track record of operations
Moderate asset quality metrics, characterized by higher write-offs
Regulatory risk
Source:
LinkImportant Links
Source:
Investor Presentation, Information Memorandum & Rating Rational of Earlysalary Services Private Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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