Yubi, the AI-powered operating system for financial services, released its Partnership Lending Report revealing how collaborative lending models are reshaping India’s credit ecosystem. The report shows ₹25,000+ crore enabled through partnership lending and 10+ lakh loans disbursed in just nine months (April-December 2025).
Report Highlights at a Glance
| Metric | Achievement |
|---|---|
| Credit Enabled | ₹25,000+ crore |
| Loans Disbursed | 10+ lakh loans |
| Transactions Processed | 2+ crore transactions |
| Turnaround Time | <5 hours average |
| Non-Metro Demand | 88% of credit originated |
| Top Metro Markets | Bengaluru (28.4%), Mumbai (17.3%), Delhi NCR (16.1%) |
| Top States | Maharashtra, Tamil Nadu, Karnataka, UP, Kerala (53% total) |
Key Findings
Priority Sector Lending Drives Growth: PSL emerged as a key driver of partnership-led growth over the past three quarters of FY26, with NBFC-fintech partnerships accelerating faster than traditional models. This reflects a structural shift in how credit is originated and serviced across India’s financial ecosystem.
Asset Mix Concentration: Credit Lines (29.3%), Consumer Loans (24.6%), and SME credit (18.9%) together account for nearly 73% of total disbursed value. This underscores partnership lending’s growing role in mass-market consumption credit, short-tenor liquidity, and MSME financing.
Geographic Patterns: While 88% of credit demand originated from non-metro markets, select metros remain strong urban anchors. Maharashtra (12.9%), Tamil Nadu (12.4%), Karnataka (10.0%), Uttar Pradesh (9.4%), and Kerala (8.4%) account for approximately 53% of total disbursement volume, indicating partnership models scale fastest where digital reach and distributor networks are established.
Technology as Infrastructure
“Partnership lending only scales when technology stops sitting between institutions and starts operating beneath them,” explains Gaurav Kumar, Founder & CEO at Yubi Group. “As volumes grow, the challenge is no longer integration—it’s orchestration. Lenders need systems that synchronize origination, underwriting, disbursement, servicing, and reporting across multiple partners in real time.”
Technology-led orchestration reduced end-to-end lending turnaround times by nearly 90% over time, bringing average application-to-disbursement down to under 5 hours. This efficiency enables lenders to serve previously underserved segments at scale.
Regulatory Alignment
The report was unveiled at Yubi’s Partnership Conclave in Mumbai by Nitin Chugh, Deputy Managing Director and Head of Digital Banking at State Bank of India, alongside Yubi executives.
Ajay Kumar Choudhary, Ex-Executive Director at Reserve Bank of India and Independent Director at Yubi, emphasized governance-led scale: “The next phase of growth will belong to ecosystems that invest in shared operating infrastructure, where compliance, speed, and reliability reinforce each other rather than compete.”
What the Data Reveals
The report draws on anonymized and aggregated platform-level data from April to December 2025, capturing real lending activity across banks, NBFCs, and digital originators operating on Yubi’s partnership lending infrastructure.
It examines month-on-month disbursement trends, turnaround time improvements across the lending lifecycle, and shifts in asset-class, geographic, and borrower-profile mix. The analysis also covers how banks, NBFCs, and digital originators structure partnerships to balance scale, risk, and regulatory alignment.
Market Implications
With 2+ crore transactions processed end-to-end and 10+ lakh loans disbursed in nine months, partnership lending has moved beyond pilot stage into mainstream adoption. The concentration in credit lines, consumer loans, and SME credit suggests these products are where partnership models demonstrate clearest value—combining fintech origination capabilities with institutional balance sheets.
The 88% non-metro demand share validates partnership models’ ability to extend formal credit beyond traditional banking strongholds, though the state-level concentration shows significant room for geographic expansion.
The full Partnership Lending Report is available for download at Yubi’s website.
For more fintech and lending industry news, visit TechnoSports.
