Yubi Group, one of India’s most prominent digital debt marketplaces, has secured ₹411 crore in its latest round—combining a long-term structured debt facility and ₹336 crore in equity from EvolutionX Debt Capital. Founder and CEO Gaurav Kumar personally invested an additional ₹75 crore, bringing his total self-investment in Yubi to over ₹330 crore. These fresh funds are earmarked for expansion across Southeast Asia, the US, and the Middle East, boosting global operations, and accelerating growth of Yubi’s AI product suite.
What Yubi Does: Business Model and Core Offerings
Founded in 2020 (originally as CredAvenue), Yubi is an end-to-end, AI-powered operating system for financial services. It specializes in the entire debt lifecycle—connecting enterprises with banks, NBFCs, and investors for term loans, working capital, bonds, and automated debt collections. Its platform serves over 17,000 enterprises and 6,200 lenders and investors, having facilitated more than ₹3.2 lakh crore in debt and enabled 48 lakh+ transactions.
Key offerings include:
- Yubi Loans: A marketplace for businesses to secure loans rapidly from a multitude of lenders.
- Yubi Pools: A securitisation platform handling structured finance and asset-backed securities.
- YuCollect: Automated, real-time collection and compliance management for lenders.
- Accumn: Credit underwriting and risk assessment tools for faster lending decisions.
- YuVerse and Spocto X: Proprietary AI-powered products for data-driven lending and collections.
Funding Journey and Investors
- Series A (Sept 2021): ₹6.7 billion (~$90M) led by Peak XV Partners—at the time, India’s largest equity Series A for fintech.
- Series B (March 2022): $135–137 million led by B Capital, Dragoneer, Insight Partners—achieved unicorn status at $1.3 billion valuation.
- Secondary Round (July 2023): Additional funding at a $1.5 billion valuation, supporting further restructuring and investor liquidity.
- Total funding raised: Over $296 million or approximately ₹2,500 crore (pre-latest round).
- Key backers: Insight Partners, B Capital Group, Dragoneer, Lightspeed, TVS Capital, Lightrock, Vivitri Capital, among others.
Recent Financials (FY25)
- Operating Revenue: ₹660 crore, up 36% year-on-year from ₹484 crore in FY24.
- Total Income: ₹713 crore (including interest and deposits).
- Net Loss: ₹416 crore (up 5%, mainly due to employee ESOP costs and investments in technology, marketing, and global expansion).
- Adjusted EBITDA Loss: Narrowed by 55%—reflecting improved operational efficiency.
Recent News and Strategic Moves
- Yubi’s international push is accelerating, with a focus on replicating its debt platform playbook in global markets.
- Major investments are underway in scalable AI-powered products—YuVerse, Accumn, and others—to automate and optimize lending, underwriting, and collections.
- The company continues onboarding high-profile financial partners and expanding its ecosystem of lenders, businesses, and service providers.
Outlook
With robust funding, a growing AI product suite, and a proven debt market model, Yubi is well-positioned to become a global fintech leader—driving new standards in digital lending, financial infrastructure, and enterprise credit across emerging and developed markets.
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