Yubi Credit Market

Welcome to the inaugural edition of The Capital CatchUp! Designed exclusively for the business decision-makers and thinkers at the helm of industry innovation, this newsletter is your ultimate tool for staying ahead. The Capital CatchUp is not just another industry update. It’s meticulously crafted from over 10 comprehensive latest survey reports, distilled into a crisp, intel-driven read that cuts through the noise. Each edition delivers only what you need—powerful insights and numbers crucial for making informed, strategic decisions. In a 5-minute read, you'll gain access to the data that truly matters, allowing you to stay at the cutting edge of your industry Our logo, featuring a king backed by a chess rook, symbolizes the strategic strength and foresight that this newsletter embodies. Just as a chess king is supported by the rook in the game, your business strategy is supported by our expert insights, designed to drive growth and success We want to extend a heartfelt thank you to Projects Today for collaborating with us to provide some of the latest and most relevant intel As we launch this debut edition, we are excited to share what went into making it possible and how it’s set to transform the way we approach market and capital insights Thank you for joining us on this journey. Here’s to making every catch-up count! Gaurav Kumar | Aniket Deshpande | Pulkit Garg | Dhaval Vikamsey | Chandra Shekhar | Payal Maskara | Apurav Sharma | Ashish Sethi | Bharat Krishnamurthy | Krishnendu Majumdar | Karanpreet Bindra | Dewang Sanghvi | Sourabh Maheshwari | Tanmay Gupta | Adarsh Hiremath | Spriha Tantia | Ramya Nallarkkiniyan | Alankrut Srivastava | Vaibhav Shah | Uthara Sainath | Suraj Avula | Krish Sapra | Shipra Jha | Siddharth Harish | Pankaj Chhimwal |Jigar Patel | Suraj G D | Shivangi Awasthi #Newsletter #TheCapitalCatchUp #IndustryTrends #MarketInsights #CFOs #BusinessLeaders #EnterpriseFinance #CSuite #CXOs #Manufacturing #Credit

?? #Budget2025 could be India's defining moment—not just for #GDP growth, but for #innovation, #sustainability, and #financialsecurity on the global stage! ???? ?? The first 2025 edition of Yubi Collective breaks it all down: ?? Key focus areas & non-negotiable reforms ??? ?? Industry sentiments & sectoral deep dives ?? ?? Credit gaps, opportunities & action points ?? ?? A sharp, data-backed outlook on what’s next ?? Before the budget wave hits, this is the read you can’t afford to miss! ??? Gaurav Kumar, Krishnendu Majumdar, Arjun Sood, Ankush Goyal, CFA, Vipul Mahajan, Bharat Krishnamurthy, Anand Narayanan, Sreeram Gopalakrishna, Veerachenan G, Abhinav Puneeth Polisetty, Shivangi Awasthi Sayanee Chatterjee #YubiCollective #BudgetInsights #EconomicGrowth #IndiaBudget #BusinessFinance #Lending #CreditMarkets #budget2025 #nbfcbudget #fintechbudget #retailinbudget #5ginbudget #gogetgreat

???? Reliance Industries Locks $3 Billion in Dual-Currency Loan! In a move that’s turning heads across the financial world, Reliance Industries Limited has secured a record-breaking $3 billion dual-currency loan deal involving 11 global banks. What makes this deal extraordinary? ?? A rare $450M yen tranche, adding unique flexibility to the structure ?? Locked at 6% interest over a 5-year term – a strategic step to refinance debt ahead of 2025 But the real story lies in what this means for businesses everywhere. From leveraging foreign currency strategies to proactive refinancing, there’s a lot to unpack for you! Swipe through to discover ?? ?? The full story behind this massive deal ?? Why this strategy isn’t just for corporates like RIL ?? 4 critical lessons for managing business capital Insights exclusively sourced from Bloomberg DNA India Business Standard Follow Yubi for more such insights. #RelianceIndustries #DebtRefinancing #CapitalMarkets #BusinessStrategy #DualCurrency #YubiCreditMarket #Yubi #BiggestDebt #RelianceDeal #GoGetGreat

2024: The Year That Shook India's Credit Market ? Ready to uncover the untold stories of the year? From jaw-dropping profits to disruptive innovations, this year has been a whirlwind for loans, credit borrowing, and beyond?? ?? Here’s a sneak peek at the shake-ups: ?? Unsecured business loans soared to ?5 lakh crore—what’s fueling this meteoric rise? ?? ?? Loan write-offs hit a decade low, dropping to just ?1.7 lakh crore. ?? India’s fintech adoption rate reached a global-high 87%! ?? But there’s more… Alternative lending broke records, NPAs hit historic lows, and public sector banks reported ?1.41 lakh crore in profits!! ?? Swipe now to dive into 6 transformative moments that changed the game of borrowing for businesses in 2024. These insights could reshape how you think about 2025! #creditnews #loans #2024 #marketnews #yubucreditmarket ##businessborrowing #lendingtrends #fintechinnovation #borrowingtrends #alternativefinance #npaupdate #unsecuredloans #financialgrowth #creditinsights #2024highlights

Today, we are beyond thrilled to share that Yubi has been recognized at the 9th Annual India Fintech Awards IFTA 2024 for the “Best Innovation in Digital Lending!” category ?? This recognition reaffirms our commitment to driving meaningful change in the fintech space. As our Sr. Vice President, Devarsh M., proudly received the honor, it’s a moment of reflection for all of us at Yubi to serve the industry stronger ???? We’re deeply thankful to the India FinTech Forum for recognizing our efforts and giving us this platform to celebrate innovation at large across all financial spaces. Gaurav Kumar Aniket Deshpande Vipul Mahajan Veerachenan G Abhinav Puneeth Polisetty Arjun Sood Ankush Goyal, CFA Shankar Krishnamurthy Samarpita Banerjee Ruchira Nanda Madhulika Bandhakavi Krishnendu Majumdar Anand Narayanan Tushar Bharati Kovvuru Bharat Krishnamurthy Sreeram Gopalakrishna Harshit Bhadani Sagar Shah Hardik Shah Fletcher Franklin #fintechawards #ifta2024 #innovation #bestfintech #lending #techaward

India’s lower #middleclass is reshaping financial habits—moving from survival-driven #loans to aspirational and entrepreneurial #borrowing. This socio-economic shift, powered by digital platforms and accessible credit, reflects a nation on the rise ?? But here’s the big question: How will FY26 borrowing unfold? As per CNBC, its likely going to be higher than ever: ? The Numbers You Should Watch: 1?? ?2.15 lakh crore of COVID-related loans addressed through buybacks and switches 2?? FY25 saw ?80,000 crore in buybacks and ?1.35 lakh crore in switches 3?? Only 37.3% of the ?11 lakh crore capex budget has been spent (April-September) ?? Despite this, the government isn’t planning to cut borrowing. Is FY26 high borrowing in your precautionary list? Swipe through below?? to uncover all angles—patterns, challenges, and strategies shaping FY26. Read the full article here ?? https://lnkd.in/gRRJFTTS Yubi | Aniket Deshpande | Pulkit Garg | Dhaval Vikamsey | Chandra Shekhar | Payal Maskara | Apurav Sharma | Ashish Sethi | Dewang Sanghvi | Sourabh Maheshwari | Adarsh Hiremath | Spriha Tantia | Ramya Nallarkkiniyan | Vaibhav Shah | Shivangi Awasthi #governmentborrowing #loans #fy26 #india2026 #corporateborrowing #startups #covidloans #budget #yubicreditmarket #lendingoutlook #businessloan

81% of CFOs are NOT prioritizing cost-cutting this year. Instead, they’re focusing on growth, resilience, and innovation. ?? An American Express survey of 500+ #CFOs across industries reveals a significant shift in priorities. With recession fears fading, cost-cutting has taken a backseat, and strategies like #cashflow optimization, #digitaltransformation, and #riskmanagement are now driving the agenda for 2025. But how are Indian businesses leveraging these insights? ?? Swipe to explore how CFOs are navigating this new era of finance and why digitization is no longer an option but a necessity. #digitaltransformation #financeleadership #cfoinsights #cashflowmanagement #innovation #yubicreditmarket #businessgrowth

The Cost of Working Capital in India: Insights from the Latest NSE-EY Survey The latest NSE-EY survey reveals insights into the rising cost of equity—now at 14.2% due to rising inflation and the repo rate. With market uncertainties, one-third of finance leaders expect further increases in discount rates over the next 2-3 years. These benchmarks are critical for companies making strategic?decisions regarding valuations and project?growth trajectories. Swipe through for more insights! ?? Source: EY and NSE India Aniket Deshpande | Pulkit Garg | Dhaval Vikamsey | Chandra Shekhar | Payal Maskara | Apurav Sharma | Ashish Sethi | Dewang Sanghvi | Sourabh Maheshwari | Adarsh Hiremath | Spriha Tantia | Ramya Nallarkkiniyan | Alankrut Srivastava | Vaibhav Shah | Uthara Sainath | Suraj Avula | Krish Sapra | Shipra Jha | Siddharth Harish | Pankaj Chhimwal | Jigar Patel | Suraj G D | Shivangi Awasthi #yubi #yubicreditmarket #capitalcost #indiacreditmarket

? Wishing everyone a joyous and prosperous Diwali from the Yubi Group! ? May this festival of lights brighten your journey towards growth and success. Together, let's #GoGetGreat and build a brighter, more inclusive future for all. Happy Diwali!??? Accumn | Spocto X (A Yubi Company) | Aspero Gaurav Kumar, Abhishek Mehrotra, Amitesh B., Anand Narayanan, Aniket Deshpande, Aniket Shah, Araveinth Gopinath, Bharat Krishnamurthy, Bhavin Parekh, Irfan Mohammed, Krishnendu Majumdar, Mathangi Sri Ramachandran, Sanjutha D, Sangeetha Balakarthick, Vinod Deiveegan, Vipul Mahajan

India’s Private Credit Market is Thriving!??? Banking sector credit soared 16.1% YoY in FY24, driven by retail growth and better asset quality. However, the sharp rise in unsecured loans (36%) raises some concerns. Private credit is transforming sectors: Real estate saw major investments, including Prestige Group’s $283M, followed by infrastructure and healthcare. Deals above $100M now account for 51% of the total value, highlighting a growing interest in larger investments. Swipe through for more insights! ?? Source: EY Aniket Deshpande | Pulkit Garg | Dhaval Vikamsey | Chandra Shekhar | Payal Maskara | Apurav Sharma | Ashish Sethi | Dewang Sanghvi | Sourabh Maheshwari | Adarsh Hiremath | Spriha Tantia | Ramya Nallarkkiniyan | Alankrut Srivastava | Vaibhav Shah | Uthara Sainath | Suraj Avula | Krish Sapra | Shipra Jha | Siddharth Harish | Pankaj Chhimwal | Jigar Patel | Suraj G D | Shivangi Awasthi #yubi #yubicreditmarket #privatecredit #indiacreditmarket