Responsible finance runs
on great technology
About Us
Yubi, short for "ubiquitous," embodies our vision of being present at every stage of the financial process. We believe that access to responsible finance is a fundamental right for every citizen and entity. Our platform serves as the technology engine that drives the flow of capital from lenders to borrowers and back again, ensuring that this capital is effectively utilized to fuel economic growth.
Employees
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Cities
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Enterprises
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Lenders & Investors
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Our Mission
Our mission is to enhance financial inclusion across India by bridging the significant gap between credit demand and supply. With only 14% of the 64 million MSMEs having access to credit, we are committed to bringing more businesses into the fold of responsible lending.
We strive to empower enterprises with access to prudent credit solutions and address the $1,544 billion demand for debt-based finance. Our goal is to create a secure and trustworthy financial ecosystem that fosters shared success and drives growth for all.
Our Journey
Shaping the Future of Credit – One Innovation at a Time
We started our journey in 2020 with 8 employees and a simple goal - to deepen debt markets and democratize the flow of capital. Our goal was to unlock the potential of Indian enterprises that had thus far been plagued by inadequate capital access.
2020
2021
2022
2023
2024
2025
2020
2021
2022
2023
2024
2025
2020
August, 2020
Launched Institutional fixed income securities Platform, Yubi invests.
September, 2020
Launched Institutional fixed income securities Platform, Yubi invests.
October, 2020
Launched Institutional fixed income securities Platform, Yubi invests.
2021
August, 2021
Launched Institutional fixed income securities Platform, Yubi invests.
September, 2021
Launched Institutional fixed income securities Platform, Yubi invests.
October, 2021
Launched Institutional fixed income securities Platform, Yubi invests.
2022
August, 2022
Launched Institutional fixed income securities Platform, Yubi invests.
September, 2022
Launched Institutional fixed income securities Platform, Yubi invests.
October, 2022
Launched Institutional fixed income securities Platform, Yubi invests.
2023
August, 2023
Launched Institutional fixed income securities Platform, Yubi invests.
September, 2023
Launched Institutional fixed income securities Platform, Yubi invests.
October, 2023
Launched Institutional fixed income securities Platform, Yubi invests.
2024
August, 2024
Launched Institutional fixed income securities Platform, Yubi invests.
September, 2024
Launched Institutional fixed income securities Platform, Yubi invests.
October, 2024
Launched Institutional fixed income securities Platform, Yubi invests.
2025
August, 2025
Launched Institutional fixed income securities Platform, Yubi invests.
September, 2025
Launched Institutional fixed income securities Platform, Yubi invests.
October, 2025
Launched Institutional fixed income securities Platform, Yubi invests.
2020
2021
2022
2023
2024
2025
The Yubi Trifecta
How We Power the Debt Ecosystem
Protocol
Streamlining Communication
Yubi's protocol layer uses APIs to connect lenders and borrowers, bridging gaps for fair and seamless lending.
Network
Bridging the Gap
In a diverse India, Yubi bridges financial gaps by uniting ecosystem players on a single tech platform, breaking barriers for greater accessibility and informed decisions.
Digital Banking Infrastructure
Tailored Financial Solutions
Yubi's digital banking infrastructure tailor's financial products to diverse borrower needs, leveraging technology to eliminate inefficiencies, ensure seamless delivery, and drive economic growth.
Our Investors
Backed By Marquee Investors
Industry Laurels
Our Legacy
01
50 Best Firms for Data Scientists to Work, AIM
2025
02
Top 20 Most Innovative Practices (DivHERsity policies) by HerKey
2024
03
Financial Inclusion Organization of the year, Bharat Fintech Summit
2023
04
Supply Chain Finance Innovation of the Year MSME, Procol
2022
05
Best Innovation In Digital Lending Award at IFTA
2021
2025
50 Best Firms for Data Scientists to Work, AIM
Featured in AIM's Top 50, Yubi is recognized for its data-driven culture and innovation in finance.
March 30, 2025
01
SpoctoX Lending Award
2024
02
SpoctoX Award for Digital Transformation
2023
03
SpoctoX Customer Service Award
2022
04
SpoctoX Supply Chain Award
2021
05
Recognized for innovation in fintech.
2021
2024
SpoctoX Lending Award
Awarded for digital lending innovation.
2024
01
Awarded for digital lending innovation.
2024
02
Accumn Best Firms Award
2021
03
Accumn Diversity Award
2021
04
Accumn Supply Chain Award
2021
05
Accumn Financial Inclusion
2021
2024
Awarded for digital lending innovation.
Accumn Lending Award
2024
01
Awarded for digital lending innovation.
2024
02
Aspero Best Firms Award
2021
03
Aspero Diversity Award
2021
04
Aspero Financial Inclusion
2021
05
Aspero Supply Chain Award
2021
2024
Awarded for digital lending innovation.
Aspero Lending Award
2024
01 50 Best Firms for Data Scientists to Work, AIM
2025
50 Best Firms
Featured in AIM's Top 50, Yubi is recognized for its data-driven culture and innovation in finance.
March 30, 2025
02 Top 20 Most Innovative Practices (DivHERsity policies) by HerKey
2024
Top 20 Most Innovative
Recognized for innovative diversity policies in the workplace.
2024
03 Financial Inclusion Organization of the year, Bharat Fintech Summit
2023
Financial Inclusion
Awarded for outstanding efforts in financial inclusion.
2023
04 Supply Chain Finance Innovation of the Year MSME, Procol
2022
Supply Chain
Recognized for innovation in supply chain finance.
2022
05 Best Innovation In Digital Lending Award at IFTA
2021
Best Innovation
Awarded for digital lending innovation.
2021
01 SpoctoX Lending Award
2024
SpoctoX
Awarded for digital lending innovation.
2024
02 SpoctoX Award for Digital Transformation
2023
SpoctoX Award
SpoctoX recognized for excellence in digital transformation.
2023
03 SpoctoX Customer Service Award
2022
SpoctoX
Awarded for outstanding customer service.
2022
04 SpoctoX Supply Chain Award
2021
SpoctoX
Recognized for supply chain finance innovation.
2021
05 Recognized for innovation in fintech.
2021
SpoctoX
Recognized for innovation in fintech.
2021
01 Awarded for digital lending innovation.
2024
Accumn Lending Award
Accumn Lending Award
2024
02 Accumn Best Firms Award
2021
Accumn Best Firms Award
Accumn recognized for its data-driven culture and innovation in finance.
2021
03 Accumn Diversity Award
2021
Accumn Diversity Award
Recognized for innovative diversity policies in the workplace.
2021
04 Accumn Supply Chain Award
2021
Accumn Supply Chain
Recognized for innovation in supply chain finance.
2021
05 Accumn Financial Inclusion
2021
Accumn Financial Inclusion
Awarded for outstanding efforts in financial inclusion.
2021
01 Awarded for digital lending innovation.
2024
Aspero Lending Award
Aspero Lending Award
2024
02 Aspero Best Firms Award
2021
Aspero Best Firms Award
Aspero recognized for its data-driven culture and innovation in finance.
2021
03 Aspero Diversity Award
2021
Aspero Diversity Award
Recognized for innovative diversity policies in the workplace.
2021
04 Aspero Financial Inclusion
2021
Aspero Financial Inclusion
Aspero Financial Inclusion
2021
05 Aspero Supply Chain Award
2021
Aspero Supply Chain
Recognized for innovation in supply chain finance.
2021
