Redesigning Yubi,
capturing 45% of India's MLD market

Yubi
Web Experiences
Mobile Experiences
Fintech
India, Global
Yubi
Web Experiences
Mobile Experiences
Fintech
India, Global

Context

Yubi offers a unified platform for corporate debt lifecycle management, including co-lending, pool financing, bonds, and loans.

The redesign focused on simplifying complex investment journeys and unifying product experiences across web and mobile.

Goal

Our mission was to simplify complex investment workflows and restructure the digital experience for clarity and speed. The priority was to streamline navigation, optimize bond discovery, and create a more intuitive investment journey.

Outcomes

₹13+ Crore Investments Processed

by optimizing bond discovery and simplifying the investment journey

45% Market Share in MLDs

by improving usability and access to market-linked debentures

Improved User Adoption

through a more intuitive interface increasing investor confidence

Faster Onboarding Flow

by reducing friction in account setup and initiation steps

Comprehensive Deal Insights

Structured deal information with clear hierarchy, streamlining bond discovery and enabling confident, real-money investment decisions.

Interactive Performance Visualizations

Custom graphs and reporting simplify complex bond data, improving efficiency and providing actionable insights for investors.

Transparent Returns Estimator

Interactive return projections foster trust and credibility, helping users make informed decisions through clear, data-driven insights.

Real-Time Investment Tracking

Continuous updates and status visibility keep investors informed, ensuring smoother interactions and efficient management of active deals.

Comprehensive Deal Insights

Structured deal information with clear hierarchy, streamlining bond discovery and enabling confident, real-money investment decisions.

Structured deal information with clear hierarchy, streamlining bond discovery and enabling confident, real-money investment decisions.

Interactive Performance Visualizations

Custom graphs and reporting simplify complex bond data, improving efficiency and providing actionable insights for investors.

Custom graphs and reporting simplify complex bond data, improving efficiency and providing actionable insights for investors.

Transparent Returns Estimator

Interactive return projections foster trust and credibility, helping users make informed decisions through clear, data-driven insights.

Interactive return projections foster trust and credibility, helping users make informed decisions through clear, data-driven insights.

Real-Time Investment Tracking

Continuous updates and status visibility keep investors informed, ensuring smoother interactions and efficient management of active deals.

Continuous updates and status visibility keep investors informed, ensuring smoother interactions and efficient management of active deals.

The results

For Yubi, we transformed a complex investment platform into a unified and scalable user experience that strengthened trust, clarity, and usability across touchpoints.

Clarity

structured hierarchy, simplified workflows

Efficiency

optimized navigation, faster actions

Usability

intuitive flows, reduced friction

The Mobile App & Web App Experience

01
Educational
institutions
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
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02
Financial
institutions
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
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03
Healthcare
facilities
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
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Created a consistent, intuitive interface with clear hierarchy and touch-friendly interactions for streamlined mobile bond and investment flows.

Organized multiple products and workflows into a logical information architecture to reduce cognitive load and improve discoverability.

Crafted dashboards consolidating key metrics, deal status, and actionable insights with visual clarity to support quick decision-making.

Developed wireframes to define core flows, hierarchy, and interactions, ensuring an efficient and logical user journey on mobile.

Applied a clean, high-contrast design system with consistent typography, icons, and color to enhance trust and usability.

FAQs

What is Yubi, and what did NetBramha design?
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Yubi, formerly CredAvenue, is India's largest end-to-end corporate debt marketplace, connecting institutional borrowers with lenders. NetBramha designed the unified platform experience across the full debt lifecycle, from origination to servicing.

This is a fundamentally different design problem from consumer fintech - the users are institutional finance professionals structuring large transactions, not retail customers checking a balance. NetBramha's SIS enterprise platform is the closest comparison in the portfolio: both design for professional operators managing complex, high-stakes workflows rather than consumers.

Why is B2B fintech UX different from consumer fintech UX?
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B2B financial platforms like Yubi are judged by the professionals using them daily on how much time and manual reconciliation the interface saves, not on visual appeal or ease of first-time use.

That's a different design brief entirely from something like IAMIN, a consumer savings app where first-impression simplicity is the primary goal. Yubi's users are experts who value density and control over hand-holding.

What makes Yubi's platform "world's only end-to-end" corporate debt lifecycle software?
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Most corporate debt platforms handle a single stage - origination, or servicing, or collections. Yubi consolidates the entire lifecycle into one platform, which is a materially harder information-architecture problem than designing for one stage alone.

NetBramha faced a structurally similar consolidation challenge on ONE Muthoot, where three previously separate customer portals for loans, cards, and insurance had to become one coherent platform without simply stacking three old interfaces on top of each other.

Does NetBramha have experience with unicorn or high-growth fintech startups?
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Yes. Yubi is a fintech unicorn, and NetBramha's broader portfolio includes high-growth platforms like Razorpay and ClearTax, both category leaders in their respective segments of Indian fintech, alongside more traditional, decades-old institutions like Geojit and ONE Muthoot.

How does NetBramha design for institutional users who value control over simplicity?
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The design principle shifts from reducing steps to organising density - institutional users navigating large transactions want more information visible at once, not less, as long as it's structured clearly.

That's the opposite instinct from consumer checkout work like Razorpay Magic, where the entire goal is collapsing steps. Knowing which principle applies to which audience is the actual skill - not defaulting to "simpler is always better."

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