Nearly 79% of lendings have actually gotten to rate 2 and tier 3 cities many thanks to offering collaboration in between loan providers, claims Yubi in its Annual Partnership Lending Report for FY 24-25.
The record attracts understandings from over 22,600 crore in car loan dispensations and over 2 crore purchases assisted in via the Yubi system, throughout 300 online collaborations. The record has actually brought to the fore some fascinating understandings relative to lending institution choices, rate of debt distribution along with demographics of end recipients.
These can function as an assisting light for all participants of the ecological community right from the regulatory authority to taking part financial institutions && NBFCs along with fintech firms running in the collaboration financing area.
AI and API-driven automation cut car loan authorization turn-around time (TAT) to simply 2 hours, and disbursal to 18 hours usually. Securitisation quantities stayed stable, with 46,904 crore in Direct Assignment (DA) and 5,335 crore in Pass-Through Certificates (PTC) possessions under monitoring. In FY 25, Karnataka was the state with the highest possible worth of dispensations in India.
Top 10 states
States like Bihar, West Bengal, Andhra Pradesh & &(* )which are typically underserved/ unserved in individual lendings belong to the leading 10 states by worth of dispensation. Rajasthan stated “India’s lending ecosystem is undergoing a collaborative revolution,”, Gaurav Kumar & & CHIEF EXECUTIVE OFFICER of Founder.Yubi Group he included.
“At Yubi, we’ve built the digital infrastructure to power this transformation, enabling hyper-scalable, compliant, and secure lending frameworks that break barriers to credit access. The results speak for themselves: 79% of loans disbursed through partnership models reach Tier 2 and Tier 3 borrowers, while underserved states like Bihar and West Bengal now rank among the top 10 for disbursements. This isn’t just growth; it’s democratization.” “Leveraging the interoperability feature of our platforms – whether DA, Co-Lending, or 100-0 digital partnerships, has enabled lenders and originators to scale partnerships efficiently,” said Vipul Mahajan, Chief Business Officer, Yubi.
“At Bank of India, expanding access to credit for underserved and unserved segments has been central to our growth strategy. By embracing a technology led approach in co-lending and securitization, we’ve been able to scale our partnership lending operations swiftly and efficiently,” echoed Ashok Kumar Pathak, Chief GM, Retail, Agri, MSME & Financial Inclusion, Bank of India.
“The underlying technology and seamless integrations offered by Yubi have empowered us to collaborate with our partners better and jointly disburse loans with speed and precision. This has not only accelerated our portfolio growth but reinforced our commitment to financial inclusion – enabling credit to reach where it’s needed most,”’s banks progressively accept joint financing versions to drive incorporation and advancement,
As India’s most current record discloses essential market changes, governing modifications, and technology-led advancements powering this energy. Yubi is a technology business powering the end-to-end financial debt lifecycle. The Yubi Group offers 17,000 business and 6,200 financiers & & loan providers.Yubi:
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