In a significant boost to its global ambitions, Yubi Group, the Chennai-based fintech platform and AI-powered operating system for financial services, has raised INR 411 crore through a mix of long-term structured debt and fresh equity infusion. The round includes up to INR 336 crore from EvolutionX Debt Capital and an additional INR 75 crore from Founder and CEO Gaurav Kumar, taking his cumulative personal investment in the company to over INR 330 crore.
Strategic Capital for Global Expansion
The newly raised capital will be deployed to accelerate Yubi’s international expansion across Southeast Asia and the United States, while strengthening its foothold in the Middle East. A portion of the funds will also go toward advancing Yubi’s proprietary AI product suite—the technological foundation of its financial operating system.
“We are building the foundational OS for global financial services. This investment is a powerful endorsement of our vision and execution capabilities,” said Gaurav Kumar, Founder and CEO of Yubi Group. “The funds will enable us to replicate our Indian success story in new markets, supercharge our AI stack, and strategically expand our ecosystem.”
EvolutionX’s Backing: A Vote of Confidence
The funding round marks a strategic partnership with EvolutionX Debt Capital, a growth-stage debt financing platform backed by Temasek and DBS Bank, headquartered in Singapore.
“Yubi has demonstrated remarkable scale, robust technology, and a clear path to profitability,” noted Rahul Shah, Partner at EvolutionX. “We are excited to partner with Yubi as it scales its transformative financial operating model globally.”
EvolutionX’s involvement signals Yubi’s preference for flexible, non-dilutive capital, aligning with its long-term growth strategy while maintaining founder and investor confidence.
Yubi Group: Operating Scale and Impact
Founded in 2020 (formerly CredAvenue), Yubi Group has emerged as a key player in India’s fintech landscape. The company positions itself as an AI-driven operating system for the entire debt lifecycle, connecting enterprises, lenders, and investors through a suite of digital products.
As of 2025, Yubi Group has:
- Facilitated over INR 3.2 lakh crore in debt transactions,
- Enabled more than 48 lakh transactions,
- Served 17,000+ enterprises and 6,200+ lenders and investors, and
- Reduced collections costs by up to 57% through automation.
Its AI suite, branded YuVerse, powers core offerings such as Yubi, Accumn, Spocto X, and YuCollect, which streamline lending, underwriting, risk assessment, and debt collection processes.
Financial Performance and Growth
Yubi’s revenue from operations rose to INR 660 crore in FY25, up from INR 484 crore in FY24, representing a 36% year-on-year increase. While the company reported a net loss of INR 416 crore—attributed to investments in AI, marketing, and expansion—its adjusted EBITDA loss shrank by more than 50%, reflecting improved operational efficiency.
Since its inception, Yubi Group has raised over USD 296 million (~INR 2,500 crore) from marquee global investors, including Peak XV Partners, Insight Partners, Lightspeed, B Capital Group, TVS Capital, Dragoneer, Lightrock, and Vivitri Capital.
Recognition and Future Outlook
Yubi’s growing prominence was underscored by its recognition as ‘Fintech Startup of the Year’ at the Global Fintech Fest 2025. The company’s strategic trajectory now points toward replicating its successful Indian model across global markets, positioning itself as a next-generation financial infrastructure provider.
With its AI-first approach and deep expertise in credit technology, Yubi Group is well-placed to lead the transformation of enterprise lending and digital debt markets worldwide.
“Partnering with EvolutionX provides the long-term capital needed for our next phase,” Kumar emphasized. “Our goal is to make credit access seamless and intelligent—powered by AI, trusted by institutions, and scaled globally.”
About Yubi Group
Yubi Group is an AI-powered financial services operating system that facilitates end-to-end debt lifecycle management, including origination, underwriting, risk assessment, securitisation, and collections. Founded in 2020, Yubi’s ecosystem integrates businesses, lenders, and investors on a unified platform, driving transparency and efficiency across credit markets.
With the latest INR 411 crore funding, Yubi Group is poised to enter a new chapter—one that fuses technological innovation with global scale, redefining how financial ecosystems operate in the digital age.
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