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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 | FY26 (₹ in cr) | FY25 (₹ in cr) | FY24 (₹ in cr) |
|---|---|---|---|
| NET WORTH | 1563.79 | 994 | 739 |
| REVENUE | 1288.57 | 938.97 | 705 |
| PAT | 164.98 | 100.18 | 55.34 |
| CAR% | 23.83 | 26.05 | 25.97 |
| GNPA% | 1.18 | 3.07 | 1.95 |
| NNPA% | 0.26 | 0.89 | 0.61 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| CARE Ratings | A- | Stable | as on 4th November, 2025 |
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 capitalisation supported by regular capital infusions
Improvement in scale of operations
Experienced management team
Moderate 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
