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Fibe is a technology company.
Fibe, an Indian financial technology company, operates a digital lending platform. Formerly EarlySalary, it offers personal and long-term loans, plus digital fixed deposits. Leveraging technology, Fibe delivers swift, accessible financial services, streamlining consumer credit processes. It provides efficient, convenient, and digital lending solutions for diverse needs.
Co-founded in 2015 by Akshay Mehrotra and Ashish Goyal, Fibe emerged from an insight into unmet demand for flexible credit among India’s young, tech-savvy population. Their finance and technology backgrounds enabled building a platform democratizing lending, empowering individuals with timely digital financial support.
Fibe primarily serves aspirational individuals across India seeking adaptable financial assistance for life events. Its vision is to be the foremost digital consumer lending platform, fostering financial independence through seamless, responsible credit access. It continually evolves offerings and its digital-first approach, empowering users to fulfill financial requirements.
Fibe has raised $255.7M across 9 funding rounds.
Fibe has raised $255.7M in total across 9 funding rounds.
Fibe has raised $255.7M in total across 9 funding rounds.
Fibe's investors include International Finance Corporation, AK Capital Finance, Franklin Templeton, IB Future Tech, InCred Capital, MAS Financial, SK Finance, Vivriti Asset Management, Parag Shah, TR Capital, Trifecta Capital, Norwest Venture Partners.
Fibe (formerly EarlySalary) is a leading Indian consumer lending fintech company that provides instant short-term loans, personal loans, Buy Now Pay Later (BNPL) options, and SalaryCard products primarily to young working professionals underserved by traditional banks.[1][2] Targeting mid-income groups, it partners with small, medium, and large companies to offer loans up to ₹5 lakh for needs like shopping, travel, education, and medical emergencies, while building a broader financial ecosystem including insurance, fixed deposits, and digital gold investments.[1][2][3] With over 4 million loans disbursed to a potential base of 15 lakh customers, Fibe emphasizes 100% digital, secure processes via a PCI DSS-compliant and ISO/IEC 27001-certified app, fueling lifestyle upgrades for tech-savvy Indians.[1]
Founded in 2015 as a private limited company, Fibe has raised ₹2,069.06 Cr in funding, employs 408 people, and maintains strong growth momentum through product expansion and corporate partnerships.[2]
Fibe originated in 2015 as EarlySalary, founded by visionary leaders whose innovative spirit addressed gaps in consumer credit for India's young professionals.[1][2] The idea emerged to serve an underserved segment ignored by traditional lenders, starting with short-term instant cash loans and evolving into a comprehensive suite including personal loans and BNPL across health, edtech, and consumer tech.[1] Pivotal early traction came from partnering with companies to provide quick loans to their workforce, scaling to over 4 million disbursals and rebranding to Fibe to reflect its broader mission of financial independence and inclusivity.[1][2] This evolution humanizes Fibe as a driver of "instant life upgrades," built by a transparent, flexible team dedicated to elevating India's credit landscape.[1]
Fibe rides the wave of India's digital lending boom, capitalizing on rising smartphone penetration, UPI adoption, and demand for quick credit amid economic growth.[1][2] Timing is ideal post-demonetization and with fintech regulations maturing, enabling underserved segments to access formal credit and bypass high-interest informal lenders. Market forces like a young demographic (over 50% under 30) and e-commerce surge favor BNPL and instant loans, positioning Fibe to influence financial inclusion for billions.[1] By partnering with corporates and expanding products, it shapes the ecosystem, reducing reliance on banks and fostering a credit-aware workforce that boosts consumption and startup hiring.[2]
Fibe is poised for accelerated expansion by deepening its ecosystem with more investment options and insurance, leveraging AI for credit assessment to tap deeper into India's 500M+ potential borrowers.[1][3] Trends like embedded finance, open banking, and regulatory support for digital lenders will propel growth, potentially doubling its loan book amid rising disposable incomes. Its influence may evolve from niche lender to full-stack neobank, empowering the next generation of consumers and solidifying its role in democratizing finance—echoing its origins as a simple solution for overlooked aspirations.[1][2]
Fibe has raised $255.7M across 9 funding rounds. Most recently, it raised $35.0M Series F in December 2025.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Dec 10, 2025 | $35.0M Series F | International Finance Corporation | |
| Aug 5, 2025 | $25.6M Debt | AK Capital Finance | Franklin Templeton, IB Future Tech, InCred Capital, MAS Financial, SK Finance, Vivriti Asset Management |
| Jun 1, 2024 | $66.0M Series E | Parag Shah, TR Capital, Trifecta Capital | Norwest Venture Partners, Chiratae Ventures, Eight Roads Ventures, Norwest Venture Partners, TPG |
| Aug 1, 2022 | $97.0M Series D | Niren Shah, Akshay Tanna | Norwest Venture Partners, Dewan Housing Finance |
| Nov 1, 2020 | $10.0M Series C | Chiratae Ventures, Eight Roads Ventures | |
| Jan 4, 2018 | $15.8M Series B | Dhyanesh Shah | Ashok Agarwal, Chiratae Ventures, Dewan Housing Finance |
| Sep 7, 2017 | $800K Debt | Kshama Fernandes | |
| May 11, 2017 | $4.0M Series A | Karthik Prabhakar, Harshil Mehta | |
| Nov 25, 2015 | $1.5M Seed | Ashok Agarwal |