Chennai, April 11, 2025 – Finnable, one of India’s leading digital lending platforms, and Yubi, the country’s premier debt ecosystem enabler, today announced a groundbreaking partnership with a leading small finance bank to transform access to personal loans. By integrating cutting-edge technology with institutional lending expertise, the collaboration has delivered 2X growth in loan volumes within six months, setting a new benchmark for speed, transparency, and financial inclusion.

The partnership operates on a 100:0 co-lending framework, where the bank fully underwrites loans sourced through Finnable’s digital platform, powered by Yubi’s seamless infrastructure. This synergy has reduced approval timelines from weeks to minutes, empowering salaried professionals with instant credit decisions and disbursements—irrespective of income levels.

Addressing the significance of this revolutionary partnership, Yubi’s Founder and CEO, Gaurav Kumar stated, “India’s digital lending market is projected to surpass $515 billion by 2030. Today, salaried professionals across income brackets struggle with access to fair credit due to rigid approval structures and outdated processing methods. As fintech and banking continue to converge, we are ensuring that credit decisions are smarter, faster, and more inclusive, paving the way for a future where quality financial products are a right, not a privilege.”

Speaking about the collaboration, Amit, Co-founder of Finnable, highlighted the partnership’s impact: “Our customer-first approach, combined with the SFB’s agility and Yubi’s digitization platform, allows us to deliver loans faster. This efficiency, combined with our industry-leading NPA management, ensures that more customers experience the joy of accessing personal loans responsibly.”

With Yubi powering the ecosystem, the entire lending process is streamlined from application to credit checks to disbursement, all in a record time. By streamlining financial services within Finnable’s digital ecosystem and leveraging the SFB’s banking infrastructure, this collaboration redefines the borrowing experience. What traditionally took days, or even weeks, is now completed in a fraction of the time, ensuring that more Indians can access timely financial support without unnecessary delays.

As India’s digital lending ecosystem evolves, this partnership signals a shift toward greater financial inclusion, efficiency, and customer-centric lending practices.