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A- | CARE Ratings Limited NCD Secured
11.25%
YTM
N/A
Minimum investment
Monthly
Payout
08 Jan 2028
Maturity
10.70%
Coupon Rate
₹1,00,000
Face Value
11.25% / +55 bpsYTM vs coupon

yield above stated coupon

N/AClean / dirty price

Excluding / including accrued interest

About the issuer

EarlySalary Services Private Limited, formerly known as Ashish Securities Private Limited, is a Non-Banking Financial Company (NBFC) incorporated on September 6, 1994. A subsidiary of Social Worth Technologies Private Limited, it operates through the Fibe app, offering unsecured consumer loans to salaried individuals. The company has disbursed over 2.8 million loans worth approximately ₹7,500 crore and has expanded its presence to over 150 cities in India. In November 2023, EarlySalary Services raised ₹30 crore through the issuance of Non-Convertible Debentures (NCDs), which are listed on the Bombay Stock Exchange. The NCDs have a face value of ₹1 lakh each and a maturity date of March 18, 2025, with a BBB+/Stable rating from CARE Ratings Limited.

Issuance date
30 Oct 2025

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