Fintech firm Fibe ki lending arm, EarlySalary Services ko ab CRISIL aur India Ratings se 'A' credit rating mil gayi hai. Is upgrade se company ko ab sasti funding milne mein aasani hogi.
Rating badhne ka asli matlab kya hai?
EarlySalary Services Pvt Ltd, jo ki Fibe ka NBFC subsidiary hai, uske liye ye bahut bada moment hai. CRISIL aur India Ratings ne company ko 'A' grade diya hai, jo ye show karta hai ki company ki financial health ab kaafi strong ho gayi hai.
Funding aur Costs par kya asar padega?
India Ratings ne company ke NCDs ko 'IND A' rating di hai. Wahi, CRISIL ne company ke ₹700 Crore ke bank loans aur ₹800 Crore ke NCDs par 'CRISIL A/Stable' ki rating lagayi hai. Seedhe shabdon mein, jab rating badhti hai, toh company ko banks se loan saste interest rates par milta hai. Isse company ke Profit Margins badhne ke chances kaafi high ho jaate hain.
Risk aur Future plan
Management ka kehna hai ki ye upgrade unke disciplined underwriting aur repayment collection ki wajah se mila hai. Fintech sector mein unsecured loans ka risk hamesha rehta hai, isliye loan book ki quality maintain karna sabse bada challenge hai. Investors ab ye dekh rahe hain ki Fibe apne credit algorithms ko use karke growth aur asset quality mein kaise balance banaye rakhta hai.