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Empowering Your Aspirations with Steady Returns, Enabling You to Prioritize What Truly Matters!

At Aspero, we are driven by a simple yet profound belief: access to debt is a fundamental cornerstone of any thriving economy. The debt market’s, or more specifically, the bond market’s role in fueling India’s growth ambitions has become all the more critical since the pandemic hit, and the world saw the sharpest economic contraction we’ve witnessed in decades.

Guided by this principle, we’ve empowered thousands of enterprises through Yubi, bringing them much required capital and now, we’re on an even grander mission to democratize debt further. 

While the Equity market has already seen a major upheaval in participation from retail investors – retail participation has risen from 33% to 45% in the last 5 years, majority of it post-pandemic; the growth in the Fixed income/bond market remains inadequate. We believe that the debt market houses immense potential that is just waiting to be tapped; and democratizing the debt market is critical in fuelling India’s growth to becoming a $ 5 Trillion economy. 

Guided by this belief, we’ve built Aspero – India’s premiere fixed income investment platform. With Aspero, we aim to bring high-quality fixed income products such as corporate bonds and s to every household.We believe in making these opportunities accessible to every retail investor. When it comes to achieving financial aspirations, individuals are often constrained to limited avenues like FDs, stocks, and equity. These paths can be either too volatile, as seen in the case of crypto or equity, or offer insufficient returns, like in the case of FDs. Aspero aims to redefine these limitations by providing access to instruments beyond traditional options, such as fixed-income securities, and steering towards wealth preservation.

Aspero, derived from the word “Aspiration,” encapsulates our belief that wealth-building extends beyond mere financial gains. It symbolizes the dream of financial freedom, aspiring to allocate time to what matters most to you.

Our impact has already resonated with over 10,000 investors, revolutionizing how people approach investments in the fixed-income market. As a market leader among large wealth distributors, family offices, high-net-worth individuals (HNIs), and independent financial advisors, our fixed-income investment arm boasts a remarkable:

  • 40%+ Market Share in Performing Credit
  • INR 20K Cr+ worth of Bonds Issued and Sold in FY22
  • AA+ to BBB Diversified issuances across the risk curve

It’s a testament to our confidence in bringing your aspirations to life and assisting you in generating steady returns that transform your dreams into reality.

Whether you’re a DIY investor or a wealth partner, Aspero is here to guide you in unlocking the power of fixed and steady returns.

Meet the Architects enabling this for you

Gaurav Kumar

Gaurav Kumar, Founder and CEO, Yubi Group

Gaurav Kumar is the visionary Founder and CEO of Yubi Group, the world’s only technology company powering the end-to-end debt lifecycle. Yubi today facilitates over ₹1,40,000 Cr in debt volumes, connecting 17,000+ enterprises and 6,200+ investors and lenders, while significantly reducing collections costs and fostering financial inclusion.

With over 18 years of experience in India’s debt and fintech sectors, Gaurav is a serial entrepreneur who has consistently pioneered solutions to address critical gaps in the financial ecosystem. 

Before founding Yubi, Gaurav co-founded Vivriti Capital in 2017, a leading NBFC, and Vivriti Asset Management in 2019. He also served as the Chief Business Officer of Northern Arc Capital and CEO of Northern Arc Investment Adviser Services, gaining extensive experience in structured finance and capital markets.

Under Gaurav’s leadership, the Yubi Group has expanded to include platforms like Accumn (credit decisioning tech), Spocto X (collections tech), and Aspero (fixed income investments), further solidifying its position as a transformative force in India’s financial landscape.

Gaurav serves on the advisory boards of fintech and consumer tech companies in India and Europe, offering strategic guidance on digital innovation and business development. He was a member of the National Committee on Financial Inclusion and FinTech (2021–22) and is recognized for his thought leadership in financial technology.

For more, visit www.go-yubi.com.

Irfan Mohammed Executive Director, Aspero

Irfan Mohammed is the Executive Director of Aspero, a registered platform Irfan Mohammed is the Executive Director of Aspero. He oversees Aspero's strategic growth and operations across its B2B (institutional investors), B2B2C (wealth partners), and B2C (retail investors) verticals.

As a founding member of the Yubi Group, Irfan played a pivotal role in conceptualizing and scaling the Yubi platform and network. 

Irfan also co-founded Vivriti Capital, a leading NBFC focused on providing debt solutions to mid-market enterprises. Over the past 14 years, he has pioneered debt-raising initiatives and due diligence processes for over 300 financial institutions across various asset classes. He has been at the forefront of introducing innovative debt structures for emerging asset classes and NBFCs, establishing himself as a thought leader in structured finance, credit underwriting, co-lending strategies, and fintech-driven financial solutions.

Irfan is also a member of the OBPP Association, an industry body representing online bond platforms.

Irfan Mohammed