Yubi Aims for 2028 IPO and Accelerates Global Expansion Efforts

Yubi Fintech Infrastructure Startup Aims for Market Debut in 24 Months

Key Highlights

• Yubi expects to turn profitable by March 2027 with a final fundraise planned ahead of a potential initial public offering (IPO).
• The company reported a topline of around Rs 705 crore and a loss of about Rs 60 crore for FY25, with high gross margins of 75 percent.
• Yubi is expanding its international presence, particularly in West Asia, with a strong focus on the UAE market, where it powers close to 29 banks.

Business Expansion and Growth

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• Yubi has been steadily expanding its operations in the Middle East and North Africa (MENA) region, with a focus on digital lending, collections, and AI infrastructure.
• The company has entered the US market and is building a presence in south and Southeast Asia, including Indonesia and Sri Lanka.
• Yubi aims to derive a quarter of its revenue from outside India in the medium term.

Company Overview

• Founded in 2020 by Gaurav Kumar, Yubi Group has four companies: Yubi, Accumn, Spocto X, and YuCollect.
• The company's banking operating system (OS) spans lending infrastructure, collections, and AI-led underwriting.
• Yubi has built a "Wealth OS" focused on fixed-income products such as bonds and alternative investments.

Recent Fundraising

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• In November 2025, Yubi Group raised a total of Rs 411 crore in fresh funding, including Rs 75 crore in equity from Kumar.