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Earlysalary Services Private Limited 2028
active
non convertible debentures
Secured
ISIN
INE01YL07474
Investment Details
Key Terms
Minimum Investment
₹3,03,900.00
For Settlement Date Nov 02, 2026
Maturity Date
03 Oct 2028
1 Year 11 Months 2 Days
Payment Frequency
monthly
Yield to Maturity
10.18% p.a
Total return if held till maturity
Financial Details
Coupon Type
fixed
Coupon Rate
10.50 %
fixed
Current Yield
10.37%
Clean Price
₹101.30
Dirty Price
₹101.30
Bond Details
Issue Size
N/A
Base Issue Size
N/A
Greenshoe Option Size
N/A
Issue Closes
N/A
Issue Type
nbfc
Face Value
₹1,00,000.00
Listed
Yes
Allotment Mode
N/A
Mode OF Issue
private placement
Settlement Date
Nov 02, 2026
Coupon Type
fixed
Call Date
N/A
Put Date
N/A
Tier
N/A
Perpetual
No
Issue Date
29 Jul 2026
Risk Factor
Tax Type
Taxable
Tax Free
Mode of Issue
Public
Private
Seniority
Non-Senior
Senior
Security
Unsecured
Secured
Issue Managers
Current MD/CEO
Akshay Mehrotra
Debenture Trustee
Mitcon Trusteeship Services Limited
Credit Rating
Cash Flow
Investment Amount
₹3,03,900.00
Settlement Date
Payment Term
monthly
Units
3
Repayment Schedule
Download
Date
Interest (10.50%)
Principal
Dec 02, 2026
₹2,589.03
-
Jan 02, 2027
₹2,675.34
-
Feb 02, 2027
₹2,675.34
-
Mar 02, 2027
₹2,416.44
-
Apr 02, 2027
₹2,675.34
-
May 02, 2027
₹2,589.03
-
Jun 02, 2027
₹2,675.34
-
Jul 02, 2027
₹2,589.03
-
Aug 02, 2027
₹2,675.34
-
Sep 02, 2027
₹2,675.34
-
Oct 02, 2027
₹2,589.03
-
Nov 02, 2027
₹2,675.34
-
Dec 02, 2027
₹2,589.03
-
Jan 02, 2028
₹2,668.02
-
Feb 02, 2028
₹2,668.02
-
Mar 02, 2028
₹2,495.91
-
Apr 02, 2028
₹2,668.02
-
May 02, 2028
₹2,581.98
-
Jun 02, 2028
₹2,668.02
-
Jul 02, 2028
₹2,581.98
-
Aug 02, 2028
₹2,668.02
-
Sep 04, 2028
₹2,840.16
₹1,50,000.00
Oct 04, 2028
₹1,290.99
₹1,50,000.00
Net Returns
₹59,220.09
₹3,00,000.00
Documents
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Debt Quality
Security
This bond is Secured
Seniority
In case of default, the bond holders will be considered 'Senior' for payment
Listed
It got listed on exchange on Jul 30, 2026
Issuer
EarlySalary Services Private Limited
Issuer Overview
Incorporated on September 06, 1994, ESPL (formerly known as Ashish Securities Private Limited), subsidiary of SWTPL is a
registered Non-Banking Financial Systematically Important Company (NBFC-SI) (Middle Layer), engaged in financing unsecured
consumer loans for salaried individuals. ESPL operates through an online app, Fibe earlier known as Earlysalary. These loans are
usually advanced for meeting the short-term liquidity needs of the borrower. As a lending business model, it is highly scalable,
enabled by use of automation and deployment of technology for underwriting and risk management. As on June 30, 2025, the
company had a tangible net worth and AUM of ₹1030 crore and ₹5584 crore, respectively. As on June 30, 2025, ESPL is 100%
held by the parent SWTPL.
Industry
NBFC
Year Founded
1994
Sector
N/A
Ownership
N/A
Head Office
Pune
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Investment Calculator
3 units
Invested Amount
₹3,03,900.00
Earned Interest
₹59,220.09
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