About Social Worth Technologies Ltd
Incorporated in October 2015, Social Worth Technologies Limited (operating under the Fibe brand) is a technology-driven digital lending platform focused on providing consumer financing solutions to India’s aspirational middle-income population. The company offers a diversified portfolio of personal loans (PL) and purpose-driven financing (PDF) solutions across education, healthcare, insurance, travel, rooftop solar, e-commerce, and other consumption categories through a fully digital lending platform.
Fibe leverages artificial intelligence (AI), machine learning (ML), and data science across customer onboarding, underwriting, risk management, fraud detection, operations, and collections to deliver fast, paperless credit solutions. The company has built a nationwide merchant network of over 10,387 touchpoints, enabling embedded financing at the point of purchase while maintaining a technology-led, asset-light operating model. As of March 31, 2026, the company had Assets Under Management (AUM) of ₹8,602.74 crore and ranked among India’s top five digital consumer lenders by AUM.
The company operates through its mobile application with end-to-end digital loan origination and servicing, supported by diversified funding sources and disciplined risk management.
As of March 31, 2026, the company and its subsidiary employed 1,149 permanent personnel, including professionals across technology, analytics, product development, customer service, collections, business development, sales, marketing, finance, legal, treasury, and other support functions.
Strengths
- Diversified lending portfolio across personal loans and purpose-driven financing.
- Technology-led operating model powered by AI, ML, and data analytics.
- Extensive merchant network enabling embedded finance across multiple sectors.
- Strong underwriting, risk management, and collections framework.
- High customer retention with significant repeat business.
- Diversified and cost-effective funding sources with an improved credit profile.
- Scalable digital platform with end-to-end paperless lending capabilities.
- Experienced management team and consistent track record of profitable growth.
