It has matured, sold out, or been delisted from the platforms we track, last seen on 7 Jul 2026. The details below are kept as a record of the issue. Compare bonds available now →
Fibe (EarlySalary)
How this yield compares
About this bond
Fibe (EarlySalary) is a corporate bond issued by a company to raise debt from investors, currently offering a yield to maturity (YTM) of 8%. It pays a coupon of 10.9% and matures on 4 Jan 2027, a remaining tenure of about 5 mo. It is rated A-, an adequate credit-safety grade. WintWealth lists this bond with a minimum investment of ₹1.0L.
Its 8% yield is solid for its risk band, toward the lower end at 166th of 175 Corporate bonds. That trails the Corporate median of 10.75% by 2.75 points, so the trade-off is lower yield for whatever else this issuer offers. A comparable SBI fixed deposit yields about 5.15%, so this bond adds roughly 2.85 points for taking on credit risk. Its short 5 mo horizon locks the rate for only a few years, limiting reinvestment risk. Paired with its high safety (A-) rating, that leans toward the safety-first end. Compare it against similar bonds on RightBonds before investing.
Investors comparing this bond often also look at Fibe (EarlySalary) (INE01YL07466) at 11.2999%, Fibe (EarlySalary) (INE01YL07433) at 11.2% and Fibe (EarlySalary) (INE01YL07417) at 11%.
Bond details
What you keep after tax
Interest on a listed corporate bond is added to your income and taxed at your slab, so the 8% headline is a pre-tax number. Here is the same bond seen from each slab, on ₹1,00,000 held for the remaining 5 mo.
| Your tax slab | Post-tax yield | ₹1,00,000 becomes |
|---|---|---|
| No tax (income under the exemption limit) | 8.00% | ₹1,03,350 |
| 5% slab | 7.60% | ₹1,03,186 |
| 20% slab | 6.40% | ₹1,02,692 |
| 30% slab | 5.60% | ₹1,02,361 |
At a 10.9% coupon, ₹1,00,000 of face value pays about ₹10,900 of interest a year. That is over the ₹10,000 Section 193 threshold, so roughly ₹1,090 a year is withheld as TDS - adjustable against your final liability, not an extra tax.
Slab rates only - surcharge and cess are not included, and the figures assume you hold to maturity. Sold on the exchange after 12 months instead, the gain is taxed as long-term capital gains at 12.5%. Not tax advice.
Against a fixed deposit, in rupees
Same ₹1,00,000, same 0.4 years, one in this bond and one in a tenure-matched SBI fixed deposit at 5.15%.
Bond figure compounds the yield annually; the FD compounds quarterly, as a cumulative bank FD does. Both are pre-tax and assume the bond is held to maturity and the issuer pays in full - the A- credit risk is the reason for the gap.
When you get paid
Interest lands every month, with about 7 payments still to come before 4 Jan 2027, each at the 10.9% coupon rate.
Payment months come from the issuer's schedule. Exact dates within the month, and the amount per payment, depend on the face value of the units you buy - check the term sheet on WintWealth before investing.