About Aspero.
We're building the place where everyday investors access fixed income with the clarity, choice and confidence it has always deserved.
Empowering your aspirations with steady returns — so you can prioritise what truly matters.
At Aspero, we're driven by a simple yet profound belief: access to sound, transparent fixed-income investments should be the right of every earning Indian — not a privilege reserved for institutions and the ultra-wealthy. For too long, the fixed-income market has been opaque, fragmented and out of reach for the retail investor.
We set out to change that. Aspero brings curated, credit-assessed bonds onto a single, intuitive platform — with the disclosures, ratings and pricing transparency that let you decide with confidence. No jargon walls, no pressure, no hidden costs.
Backed by the Yubi Group's deep infrastructure across the credit ecosystem, we're putting institutional-grade fixed income within everyone's reach — helping you build a portfolio that compounds quietly, predictably and on your own terms.
Meet the architects enabling this for you.
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 lakh crore in debt across more than 17,000 enterprises and 5,000+ investors and lenders — re-architecting how India's credit and fixed-income ecosystem operates.
With over 18 years of experience in India's debt and fixed-income markets, Gaurav has been a pioneering force in bringing structure, transparency and access to a space that had long been the preserve of institutions.
Before founding Yubi, Gaurav co-founded and led the institutional debt business at a leading financial-services group, building one of the country's largest corporate-bond franchises. That experience shaped his conviction that the same rigour and discipline could be extended to retail investors — the idea that became Aspero.
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Irfan Mohammed is the Executive Director of Aspero, where he leads the build-out and growth of the platform for retail fixed-income investors. He brings deep operating and capital-markets experience to the task of making bonds simple, safe and accessible for everyday Indians.
A founding member of the Yubi Group, Irfan has played a pivotal role in conceptualising and scaling Aspero from the ground up — translating a regulated, institutional-grade product into an experience an individual investor can navigate in minutes.
His focus spans product, distribution and partnerships: widening the range of issuances on the platform, deepening relationships across the credit ecosystem, and ensuring every investor is met with clarity, fair pricing and genuine support at each step.
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