Fintech infrastructure platform Yubi Group has raised ₹411 crore (approximately $46.3 million) in a new round comprising a long-term structured debt facility and ₹336 crore in equity from EvolutionX Debt Capital. Founder and CEO Gaurav Kumar has additionally invested ₹75 crore, taking his cumulative equity infusion to more than ₹330 crore.
Capital to Strengthen Global Expansion and AI Capabilities
Yubi will use the new proceeds to expand its operations across Southeast Asia and the United States, deepen its presence in the Middle East, and enhance its suite of AI-driven financial products. The funding will also support the global rollout of Yubi’s operating system for financial services, designed to streamline debt discovery, underwriting, collection workflows and lender–borrower connectivity.
A High-Scale Infrastructure Platform for Debt Markets
Founded in 2020, Yubi Group operates as an AI-powered operating system for financial services, built around its core intelligence suite YuVerse. YuVerse powers multiple products — Yubi, Accumn, Spocto X and YuCollect — enabling digital lending, risk assessment, credit analytics and automated collections.
To date, the platform claims to have facilitated ₹3.2 lakh crore in debt transactions and enabled over 48 lakh credit interactions. Yubi works with more than 17,000 enterprises and 6,200 lenders and investors, positioning it as one of India’s largest unified debt marketplaces.
Investor Backing and Unicorn Journey
Yubi has now raised more than $296 million, including its $135 million Series B round, which propelled it to unicorn valuation. Its investor base includes Vivitri Capital, Peak XV Partners, TVS Capital, Lightspeed, B Capital, Lightrock, Insight Luxembourg, and several global financial institutions.
Final Take
Yubi’s latest fundraise underscores strong confidence in AI-led financial infrastructure. With deeper global expansion and continued investment in its operating system, the company is positioning itself as a foundational player in the future of digital debt markets.
