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25K+ already in the waitlist
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Invest in Midland Microfin Ltd.
Earn up to 12.85% p.a.
Invest Now
Unveiling the Golden Experience, Crafted for you!
25K+ already in the waitlist
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Invest in Midland Microfin Ltd.
Earn up to 12.85% p.a.
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Rs 500 Cr+ Equity Raised Recently
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INE01YL07391 is Out of Stock
Check out similar bonds and other options from the same issuer.
11.1%
13%
Upto 12.75%
11.95%
Upto 11.76%
Returns (YTM)
N/A
Min. Investment
N/A
Remaining Tenure
1Y 5M 17Days
Payment Terms
Monthly
Credit Rating
CARE A-/STABLE
Seniority
SENIOR
Security
Secured
Default History
Zero
Comfortable Capitalisation - As on Sep’25, Fibe’s net worth is ~ INR 1100 Crs with comfortable leverage of 2.67x
Backed by Marquee PE investors - TPG, Norwest, Eight Roads and Piramal Capital
Strong Parent Co. Support: Fibe’s parent company, Social Worth Tech Private Limited has demonstrated strong commitment to EarlySalary by infusing over ₹850 crore of equity over last 3 years and has announced plans to raise ~ INR 1500 Crs via IPO
PAT
AUM
Net Worth
Cash & Cash Eq.
Important disclaimer
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Important disclaimer
EarlySalary (rebranded as Fibe) is a digital lending app focused on young working professionals in India. It offers instant cash loans, long-term personal loans, salary advances, and Buy Now Pay Later options. The platform is built to be fast - loan amounts range up to ?5 lakhs, with repayment terms from 3 months to 24 months. Fibe uses tech tools like machine learning and alternate data for credit checks, to include customers often underserved by traditional lenders. With millions of downloads and operations across many cities, it aims to make credit easy, transparent, and safe for mid-income earners.
Total Annual Revenue
Rs 1033.03 Cr (FY - 2025)
Year of Inception
2017
Industry
NBFC Retail
Head Office
PUNE
Type of Issuer
Corporate
Current MD/CEO
Mr. Vimal Saboo
A- STABLE
CARE
Rating Rationale
Rating Date: 04-Nov-2025
Issuer Name
EARLYSALARY SERVICES PRIVATE LIMITED
Security Name
10.7% EARLYSALARY SERVICES PRIVATE LIMITED Secured Rated Listed NCD Maturity 6-Aug-2027
ISIN Copy
INE01YL07391
Face Value
₹ 1,00,000
Issued FV
₹ 1,00,000
Coupon Rate
10.7%
Coupon Type
FIXED
Payment Terms
Monthly
Maturity Date
6-Aug-2027
Clean Price
₹ 100
Dirty Price
--
Current Yield
10.7001%
Yield to Maturity
11.2435%
Mode of Issue
Private Placement
Date of Issue
29-Aug-2025
Listed
Yes
Instrument Type
Taxable
Security
Secured
Seniority
SENIOR
Perpetual
No
Trustee Details
Vardhaman Trusteeship Private Limited
3rd Floor, Room No - 15 6, Lyons Range, Turner, Morrison House, Kolkata, West Bengal, 700001
Registrar Details
MUFG Intime India Private Limited (formerly known as Link Intime Pvt Ltd.)
Embassy C 101, 247 Park, LBS Marg, Vikhroli West,Mumbai 400083
Download Prospectus
*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term. 
This bond is
currently out of stock
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undefined% is the current yield of this EARLYSALARY SERVICES PRIVATE LIMITED bond.
A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM)
of this EARLYSALARY SERVICES PRIVATE LIMITED bond is undefined%, which indicates the total expected return if the bond is held
till the maturity date. It is calculated using the XIRR method considering current price,
face value, coupon payments, and time to maturity.
Investing in bonds is relatively a safer option but it depends on factors like:
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To redeem this EARLYSALARY SERVICES PRIVATE LIMITED bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the
maturity date, and if the maturity date falls on a bank holiday, the redemption
amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this EARLYSALARY SERVICES PRIVATE LIMITED bond is generally simple and straightforward. Contact our support team for more information.
No, this EARLYSALARY SERVICES PRIVATE LIMITED bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.
To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/
Yes, it is possible to sell this EARLYSALARY SERVICES PRIVATE LIMITED bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.
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