AI-powered Fintech Funding News

Indian Fintech Yubi Raises $46.4 Mn To Expand In SEA, US And Middle East

• ByStartupStory     |    November 27, 2025

Debt And Founder Equity Fuel AI-Powered Global Push For Unicorn Platform

Chennai-based fintech unicorn Yubi Group has secured $46.4 million (₹411 crore) in a fresh funding round comprising structured debt from EvolutionX Debt Capital and equity from founder-CEO Gaurav Kumar. The round includes up to $38 million (₹336 crore) in long-term debt and $8.5 million (₹75 crore) from Kumar, elevating his total personal investment to over $39.5 million (₹330 crore).​

AI-Driven Debt Marketplace Goes Global

Founded in 2020 as CredAvenue (rebranded Yubi), the platform operates as an AI-powered operating system for financial services, facilitating over $36.2 billion (₹3.2 lakh crore) in debt transactions across 4.8 million deals. Its YuVerse suite powers products like Yubi (debt marketplace), Accumn (underwriting), Spocto X (monitoring), and YuCollect (collections), serving 17,000+ enterprises and 6,200+ lenders/investors with end-to-end credit lifecycle management.​

The capital will drive expansion into Southeast Asia and the United States, while deepening Middle East presence, alongside heavy investment in proprietary AI for risk modeling and automation. Kumar highlighted replicating India’s success globally: “We are building the foundational OS for financial services,” with EvolutionX providing flexible capital for this phase.​

Strong Financial Momentum Amid Losses

Yubi reported 36% operating revenue growth to $74.6 million (₹660.1 crore) in FY25, narrowing adjusted EBITDA loss to $7.8 million (₹69 crore) from $17.5 million prior year, despite a slight net loss increase. The platform claims 57% collections cost reduction via AI, positioning it for profitability as international scale kicks in.​

Backed by Peak XV, Lightspeed, Lightrock, TVS Capital, B Capital, Dragoneer, and Insight Partners (total raised $296 million+), Yubi earned ‘Fintech Startup of the Year’ at Global Fintech Fest 2025. EvolutionX’s Rahul Shah praised its scale, tech robustness, and profitability path in modernizing credit ecosystems.​

Strategic Timing In Global Fintech Race

This raise aligns with India’s fintech resurgence ($889 million H1 2025 funding), as Yubi targets underserved structured finance markets abroad. With AI enhancements reducing friction in origination, underwriting, and recovery, the unicorn eyes dominance in a multi-trillion-dollar global debt opportunity, blending Indian execution with international ambition.

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