Yubi Group has taken another strong step forward in its growth journey by raising ₹411 crore in fresh funding. The fintech company, known for building an AI-powered operating system for financial services, aims to use this investment to strengthen its global presence, power its technology stack, and scale its ecosystem. The new funding round combines long-term structured debt and fresh equity, giving Yubi both financial stability and strategic strength as it plans its next phase of expansion.
Major Funding Push Strengthens Business Foundation
The latest fundraise includes ₹336 crore in long-term structured debt from EvolutionX Debt Capital and an additional ₹75 crore in equity investment from Yubi’s founder and CEO, Gaurav Kumar. This brings his total personal investment in the company to over ₹330 crore, showing a deep belief in Yubi’s long-term vision. The mixture of debt and equity provides the company with the flexibility to fuel operations, invest in research, and support large-scale market expansion while maintaining steady financial discipline. It also reflects the confidence investors have in Yubi’s business model and its ability to deliver solutions that transform the way financial services operate.
Expansion Plans Reach Global Markets
With the new capital, Yubi is gearing up to take its platform to international markets. The company plans to deepen its presence in the Middle East, expand across Southeast Asia, and explore significant opportunities in the United States. These regions are experiencing rapid digital transformation, and Yubi aims to bring its proven Indian model to these markets. The company believes that its AI-first operating system can simplify complex financial processes and make credit more accessible across borders. By entering new geographies, Yubi is not only scaling its product but also positioning itself as a global leader in fintech services.
AI-Powered Future Drives New Innovations
Technology remains at the core of Yubi’s mission. A substantial part of the investment will be used to enhance the company’s AI capabilities. Yubi’s financial operating system already powers millions of transactions by enabling enterprises, lenders, and fintech partners to connect seamlessly. The company has facilitated credit worth more than ₹3.2 lakh crore and handled over 3.5 crore digital transactions, reflecting the scale at which it operates. With better AI tools, Yubi aims to make financial decision-making faster, safer, and more efficient. The funding will help the company develop advanced AI models that improve credit assessment, streamline collections, and strengthen risk management for financial institutions.
Investor Confidence and Future Outlook
EvolutionX has expressed strong confidence in Yubi’s growth story. They highlighted the company’s impressive scale, its robust technology architecture, and its steady march toward profitability. The long-term structured debt provides a stable financial foundation, allowing Yubi to innovate without pressure and focus on sustainable expansion strategies. For the Indian fintech sector, Yubi’s funding marks an important milestone, showing how homegrown startups are moving beyond local markets and building products with global relevance. As demand for AI-led financial solutions continues to rise, Yubi is positioning itself to lead the next wave of digital transformation.