Rating Icon
A-
NCD

EARLYSALARY SERVICES PRIVATE LIMITED

ISIN: INE01YL07433

11.15%YTM
Payouts : Quarterly
Maturity Date : 9 Jun 2028
11.15%
YTM
₹ 1,00,249.21
Min Investment
Quarterly
Payout
₹ 1,00,000
Face Value
10.50%
Coupon
09 Jun 2028
Maturity Date
Currently subscribedLot Size : 50 Units available
0% Completed

Interest Calculator

InterestQuarterly

Sign up to view detailed payout schedule

About The Issuer

EarlySalary Services Pvt. Ltd (ESPL), marketed as Fibe, is a fintech NBFC offering fully digital personal loans, salary advances and BNPL products to young professionals. It is part of the Social Worth Technologies group and has raised substantial capital from VC and strategic investors. Operations are completely branchless; more than 9 lakh borrowers are served through app‑based sourcing

Metric
FY25
AUM (₹ cr)
5,287
Net worth (₹ cr)
1,697
Gearing (×)
1.13
PAT (₹ cr)
116
CAR (%)
26.05 (ESPL)
💡Issuer Health Summary

Key financial indicators to assess stability & repayment capacity.

Key Risks & Disclosures

Unsecured lending:Portfolio consists of personal loans and salary advances, with borrower profile exposed to economic slowdowns and regulatory changes.
Asset‑quality evolution:High credit cost (10.87%) and moderate asset quality due to unsecured nature
Regulatory risk:RBI guidelines on digital lending and unsecured consumer loans could impact growth and capital charges.

Invest

Units

Trade & Settlement

Trade date
20 Mar 2026
Orders placed after 4 PM will be executed on the next business day.Weekends & exchange holidays are skipped.

Totals (For Selected Units)

Price per Unit
₹1,00,249.21
Investment amount
₹1,00,249.21
Total Interest
₹21,359.6
Total Receivable
₹1,21,359.6

Diligence Documents

GENERAL INFORMATION DOCUMENTDownload
Credit rating for proposed Debt IssueDownload
Equirize

EquiRize Securities Private Limited.

Legal & Compliance

Investor Charter Regulatory Disclosures Policies & Procedures Grievance Redressal Mechanism

Quick Links

Privacy Policy Terms & Conditions

Help

Contact Us

SEBI Registered

RBI Regulated FDs

Member with BSE & NSE

whatsapp-icon

Registered Office: 301 Chawla Complex Commercial Premises, Sector 15, CBD Belapur, Navi Mumbai 400614 Maharashtra

© 2025 EquiRize. All rights reserved. | CIN: U66190MH2024PTC430982 | SEBI Registration Number (Stock Broker): INZ000323730 | BSE Membership No. 6914 - Debt Segment | NSE Membership No. 90472 - Debt Segment

Compliance Officer:

Srilakshmi Deshmukh

compliance@EquiRize.com, +91-7993739228

Investments in debt securities, municipal debt securities, and securitised debt instruments carry risks, including potential delays or defaults in repayment. Please read all offer-related documents carefully before investing.

Complaint Redressal via SEBI SCORES:

(i) Register on the SCORES portal at scores.sebi.gov.in

(ii) Mandatory details: Name, PAN, Address, Mobile Number, Email ID

(iii) Benefits: Transparent communication and faster resolution of grievances

Investor Protection Guidelines:

  1. Prevent Unauthorised Transactions:
    • Update your mobile number and email ID with your Stock Broker and Depository Participant.
    • Receive transaction alerts directly from the Exchange and NSDL/CDSL the same day.
  2. IPO Application Process:
    • No need to issue a cheque. Mention your bank account number and sign the IPO application form to authorise payment via ASBA.
    • In case of non-allotment, funds remain in your bank account.
  3. KYC Compliance:
    • KYC is a one-time process. Once completed with a SEBI-registered intermediary (broker, DP, mutual fund, etc.), it is valid across all intermediaries.
  4. Stay Vigilant:
    • Beware of fraudsters sending bulk messages with fake investment tips or promises of guaranteed returns.
    • Do not engage in unauthorised portfolio management or collective investment schemes promising fixed/guaranteed returns.

Important Note: Fixed Deposits (FDs) and Peer to Peer (P2P) Lending are not exchange-traded products. EquiRize Securities solely connects investors/lenders with said products.

Attention Investors:

  • Stock Brokers can accept securities as margin only through pledge in the depository system (w.e.f. September 1, 2020).
  • Ensure your contact details are updated to receive OTPs directly from NSDL/CDSL for pledge creation.
  • Review your holdings regularly via the Consolidated Account Statement issued monthly by NSDL/CDSL.

Useful Links:

SEBI: https://www.sebi.gov.in

NSDL: https://www.nsdl.co.in

CDSL: https://www.cdslindia.com

NSE: https://www.nseindia.com

BSE: https://www.bseindia.com

SCORES 2.0: https://scores.sebi.gov.in

SMART ODR Portal: https://smartodr.in/login

Issued in the interest of investors by EquiRize Securities Private Limited.