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  • Rubix ARMSTM Platform
  • Rubix Business Checks
  • International Business Checks
  • Rubix Portfolio Review (Scrub)
  • Supplier/Vendor
    Assesment Report
  • Due Diligence Report
  • Debtor/Creditor
    Verification Report
  • ROC Search / Charge Report
  • RUBIX TECHNO-ECONOMIC VIABILITY (TEV) REPORTS
  • RUBIX LENDER'S INDEPENDENT ENGINEER'S (LIE) REPORT

Rubix Automated Risk Management & Monitoring Sytem (Rubix ARMSTM) Platform

The Rubix ARMSTM Platform is your ultimate solution for informed B2B risk decisioning. Our platform seamlessly integrates structured and unstructured Data, Analytics, Technology, and powerful Visualisation to assess credit, supplier, and compliance risks related to your counterparties. By generating risk scores for each counterparty, Rubix helps in simplifying decision-making to reduce the risk of partnering with unreliable entities.

  • Assess credit risk confidently, regardless of global locations, ensuring solid financial foundations and informed credit decisions.
  • Monitor supplier risk proactively at individual and portfolio levels, addressing potential issues that could impact your supply chain.
  • Streamline compliance risk monitoring for your counterparties, safeguarding your reputation and mitigating regulatory fines.
Navigate the dynamic global business landscape confidently, foster trust, and achieve sustainable growth with the help of the Rubix ARMSTM Platform.

Rubix Business Checks

Rubix Business Checks provides you with a parametrised risk assessment of your customers, dealers, distributors, suppliers and other business partners. Rubix Business Checks on an entity are based on checks of its identity, statutory compliance, legal cases, social media profile, promoters and management, ownership pattern, operations, financial performance, trade references, related parties, customer and employee feedback, etc.

INTERNATIONAL BUSINESS CHECKS

Operating on a global scale demands a nuanced understanding of your international business partners’ background and financial health. Partnering with best-in-class information providers worldwide, Rubix delivers highly informative reports pertaining to your overseas counterparties.

Our Business Information Reports contain information and risk scores that allow you to assess risk, especially credit and financial stability risk, of your partners globally.

RUBIX PORTFOLIO REVIEW (SCRUB)

You may have a large number of counterparties in your portfolio and may want to do a quick portfolio review to identify specific counterparties that are showing higher levels of risk and non-compliance. The Rubix Portfolio Review involves a scrub of all your counterparties against the latest available statutory filings (GST, PF, MCA), credit ratings and legal news on the basis of which Rubix assigns a Risk Score. Summary financials are also provided for all counterparties.

The Rubix Portfolio Review is a cost-effective and efficient tool to provide you with the broad risk of your portfolio and highlight risky counterparties.

SUPPLIER/VENDOR ASSESSMENT REPORT

A Supplier/Vendor Assessment Report is a document that provides a legal, operational, and financial profile of a business along with a risk score. It includes the subject entity’s management background, financial strength, and risk-profile-related information.

Incorporating Supplier/Vendor Assessment reports into the supplier/vendor selection process allows companies to avoid partnering with financially weak suppliers/vendors or those with significant compliance issues or legal disputes.

DUE DILIGENCE REPORT

In today’s complex business landscape, overlooking due diligence can lead to dire consequences, both financially and legally. Rubix Due Diligence Reports are meticulously designed to assist you in making well-informed decisions about your counterparties, helping you mitigate the potential risks of financial instability, compliance issues, and legal entanglements that could haunt you down the road.

Why should Rubix Due Diligence Reports be an integral part of your pre-transaction checklist:

  • Discreet and Trustworthy: Our reports are crafted using non-intrusive methods that uphold the highest standards of accountability and integrity. We understand the importance of confidentiality in the business world and ensure that our reports are prepared discreetly to protect your interests.
  • Comprehensive Data: These reports are a treasure trove of information, drawn from 120+ reliable sources, including GST records, MCA filings, PF Filings, legal records, news platforms, sanction lists, digital media and more. This extensive data pool allows you to gain a comprehensive understanding of your counterparty’s background, financial standing, and risk.
  • Cost Effectiveness: We prioritise efficiency and offer quick turnaround times without compromising the quality of our reports and the level of insights they offer.
So, before you take that leap into the unknown, arm yourself with Rubix Due Diligence Reports and move forward with unwavering confidence.

DEBTOR/CREDITOR VERIFICATION REPORT

The Rubix Debtor/Creditor Verification Report sheds light on the financial health of your business partners in India. By verifying creditor legitimacy and debtor reliability, it minimizes bad debt risk and optimizes collection efforts. You'll gain deep dives into financials, creditworthiness, and public records to make informed decisions. Rubix reports are customizable, data-secure, and come with expert support to empower you to build stronger financial relationships and navigate the Indian market with confidence.

ROC SEARCH/CHARGE REPORT

Rubix Data Sciences offers an indispensable service tailored for banks, stakeholders, investors, and businesses engaging in transactions, loans, or contracts. The meticulously prepared ROC Search Report provides a detailed overview of a company's records, facilitating informed decision-making for loans and contracts. Simultaneously, the ROC Charge Report provides crucial insights into any charge modifications during a company's existence, ensuring transparency about security interests and obligations. Our reports are particularly valuable for those dealing with struck-off companies, as mandated by the Ministry of Corporate Affairs. With Rubix, access up-to-date and accurate information with ease in the form of detailed reports with accurate data derived through advanced technology, delivered in convenient output formats. Streamline your due diligence process, mitigate risks, and make well-informed decisions with Rubix ROC Search/Charge Reports—an efficient tool for ensuring compliance and evaluating the status of companies in India.

RUBIX TECHNO-ECONOMIC VIABILITY (TEV) REPORTS

A Rubix Techno-Economic Viability (TEV) Report provides a detailed assessment of a project's technical and financial feasibility. It's prepared by industry specialists and helps you make informed lending decisions. The report analyzes market potential, competition, financial projections, and potential risks. Rubix has experience in diverse sectors and uses a robust database for benchmarking, making it a trusted choice for banks and financial institutions.

RUBIX LENDER'S INDEPENDENT ENGINEER'S (LIE) REPORT

The Rubix Lender's Independent Engineer (LIE) Report provides Indian banks and financial institutions with a comprehensive technical due diligence of a project by a qualified, independent engineer. This unbiased assessment helps identify and mitigate potential technical risks, empowering banks to make informed lending decisions based on the project's feasibility, cost estimates, timelines, and adherence to regulations.

FREQUENTLY ASKED QUESTIONS

The Rubix ARMSTM platform is an award-winning business intelligence platform that delivers risk assessment, risk scores, and credit limit recommendations for your business counterparties. It integrates data from over 120 sources, applies advanced analytics, and offers powerful visualisations to help businesses make informed decisions.

Rubix ARMSTM is designed for banks, NBFCs, fintechs, large corporates, and MSMEs. It caters to businesses involved in B2B transactions that require risk assessment and credit decisioning.

Rubix ARMSTM combines multiple data points, including financial performance, statutory filings, and legal updates, to generate credit scores and suggest credit limits. This enables businesses to make faster, data-backed credit decisions.

Rubix ARMSTM evaluates supplier credibility by analysing their financial strength, legal history, and operational stability. The platform continuously monitors supplier risk to alert you of potential disruptions.

Using Rubix Business Checks helps you make informed decisions, mitigate potential risks (like payment defaults, supply chain disruptions, or regulatory issues), and build stronger, more reliable business relationships. It empowers you to protect your bottom line and foster sustainable growth.

Our Business Checks typically cover areas such as:
* Credit Risk: The likelihood of a counterparty defaulting on payment obligations.
* Financial Risk: Assessing their financial health and stability.
* Supplier Risk: Evaluating their operational capabilities, financial viability, and potential for disruptions.
* Compliance Risk: Identifying potential regulatory violations and adherence to relevant laws.
* Reputational Risk: Uncovering negative information that could impact your business.

Any business that engages with other businesses can benefit, including:
* Sales and Credit Teams
* Procurement and Supply Chain Teams
* Finance and Treasury Departments
* Legal and Compliance Teams
* Business Development Teams

The turnaround time can vary depending on the complexity of the business and the depth of the check required. We strive to deliver timely and accurate reports, and we will provide an estimated timeframe upon your request.

Expanding internationally presents significant opportunities but also unique risks. International Business Checks help you assess the creditworthiness, financial stability, compliance adherence, and overall reliability of your overseas partners (customers, suppliers, distributors, etc.) to mitigate potential losses and ensure successful collaborations.

Rubix can assess a wide range of international entities, including private limited companies, public limited companies, partnerships, sole proprietorships, and other legal structures across various countries.

Our checks typically cover areas such as:
* Credit Risk: Assessing their ability and willingness to meet financial obligations.
* Financial Stability: Evaluating their financial health and long-term viability.
* Compliance Risk: Identifying potential regulatory violations, sanctions exposure, and adherence to international standards.
* Reputational Risk: Uncovering any adverse media, legal issues, or negative public perception.
* Operational Risk: Gaining insights into their business operations and potential vulnerabilities.
* Ultimate Beneficial Ownership (UBO): Identifying the true owners and controlling individuals.

Rubix leverages a global network of reputable data providers, public records, financial databases, legal filings, adverse media sources, and local intelligence to gather comprehensive and reliable information. Our processes adhere to international data privacy regulations.

This review provides valuable insights into the financial health, stability, and compliance status of your counterparties. It helps you:
* Identify potential high-risk entities early.
* Uncover opportunities for growth with stable and reliable partners.
* Ensure compliance with relevant regulations.
* Optimize your risk management strategies.
* Improve overall portfolio performance.

The review can highlight various risks, including:
* Increasing credit risk or potential for default.
* Supply chain vulnerabilities and disruptions.
* Non-compliance with regulatory requirements.
* Potential for fraud or unethical practices.
It can also identify opportunities such as financially stable partners for expansion or areas where risk exposure is lower than perceived.

Rubix leverages its extensive database, advanced analytics, and proprietary scoring models to assess the risk profiles of your counterparties. We analyze various data points, including financial health, payment history, legal records, news sentiment, and more, to provide a comprehensive risk assessment.

The timeframe can vary depending on the size and complexity of your portfolio. We will provide you with an estimated timeline after understanding your specific requirements.

The report can include a variety of information, such as:
* Financial Health: Credit risk score, financial ratios, profitability, solvency, and stability indicators.
* Operational Capabilities: Assessment of their business operations, production capacity, quality control measures, and logistical efficiency.
* Compliance & Legal: Checks against regulatory compliance, legal records, sanctions lists, and adherence to relevant standards.
* Reputational Risk: Analysis of public perception, media coverage, and potential negative associations.
* Geopolitical Risk: Assessment of risks associated with the vendor's geographic location.
* Cybersecurity Risk: Evaluation of their cybersecurity posture and data protection measures.
* ESG (Environmental, Social, Governance) Risk: Assessment of their sustainability practices and ethical conduct.
* Ownership & Key Personnel: Information about the company's ownership structure and key management.
* News & Adverse Media: Summary of relevant news and any adverse media mentions.
* Scoring & Recommendations: An overall risk score and recommendations based on the findings.

This report helps you:
* Mitigate Risks: Identify and understand potential risks before onboarding or continuing with a supplier/vendor.
* Make Informed Decisions: Gain a data-driven perspective for vendor selection and management.
* Strengthen Supply Chain Resilience: Build a more stable and reliable supply chain by choosing trustworthy partners.
* Ensure Compliance: Verify that your suppliers/vendors meet regulatory and ethical standards.
* Negotiate Better Terms: Leverage insights into a vendor's financial health and stability.
* Proactively Manage Relationships: Identify potential issues early on and take preventative measures.

Rubix offers a range of due diligence reports tailored to specific needs, including:
* Financial Due Diligence: Focusing on financial stability, performance, and solvency.
* Operational Due Diligence: Assessing the efficiency and effectiveness of business operations.
* Compliance Due Diligence: Evaluating adherence to relevant laws, regulations, and industry standards.
* Supplier Due Diligence: Assessing the risks associated with your supply chain partners.
* Customer Due Diligence (CDD): Verifying the identity and assessing the risk profile of your customers.
* Enhanced Due Diligence (EDD): A more in-depth investigation for high-risk entities.
* Customized Due Diligence: Tailored reports based on specific client requirements.

Our reports help you:
* Make informed business decisions: Gain a clear understanding of potential risks and opportunities.
* Mitigate financial losses: Identify financially unstable or high-risk counterparties.
* Ensure regulatory compliance: Verify adherence to relevant laws and standards.
* Strengthen your supply chain: Assess the reliability and risks associated with suppliers.
* Protect your reputation: Avoid association with unethical or non-compliant entities.
* Save time and resources: Leverage our expertise and data-driven approach for efficient assessments.

This report helps you make informed decisions by understanding the creditworthiness of your customers, mitigating the risk of bad debts, and evaluating the reliability of your suppliers to ensure a stable supply chain. It's crucial for proactive risk management and sustainable growth.

This report is valuable for businesses of all sizes across various industries, including finance, manufacturing, trading, and services. It benefits credit managers, procurement teams, finance departments, and business owners involved in B2B transactions.

The report includes a clear risk score and a corresponding explanation of what the score indicates in terms of potential risk. We also provide a summary of the key factors influencing the score.

Our reports provide valuable data points that can contribute to your due diligence processes for various regulatory requirements. However, it's essential to consult with your legal and compliance teams to ensure our report aligns with your specific obligations.

Typically, the report includes details such as:
* Basic company information (CIN, registered address, date of incorporation, etc.)
* Directors' details (current and past)
* Charge details (loans, mortgages, etc.)
* Shareholding structure (where available publicly)
* Financial information (based on filed annual returns)
* Compliance status and filing history
* Key events and resolutions
* Other relevant filings with the ROC.
The exact content can vary based on the company's filing history and legal structure.

Rubix Data Sciences offers several advantages:
* Comprehensive Data Aggregation: We gather information from official ROC sources and potentially other relevant databases for a holistic view.
* Structured and Easy-to-Understand Format: Our reports are designed for clarity and quick information retrieval.
* Up-to-Date Information: We strive to provide the most current information available from the ROC.

A TEV Report is crucial for various reasons, including:
* Investment Decisions: To assess the risks and returns before investing in a new project, expansion, or technology adoption.
* Securing Financing: Banks and financial institutions in India often require a TEV Report before approving loans or funding.
* Strategic Planning: To understand the market potential, competitive landscape, and long-term sustainability of a venture.
* Regulatory Compliance: Certain projects in India may require a TEV Report for environmental clearances or other regulatory approvals.
* Risk Assessment: To identify potential technical and financial risks and develop mitigation strategies.

A Rubix Data Sciences TEV Report typically covers:
* Technical Feasibility: Evaluation of the technical aspects, including technology selection, process design, infrastructure requirements, resource availability (including local resources in Thane/Maharashtra/India), and operational feasibility.
* Economic Viability: Detailed financial analysis, including market assessment, demand forecasting, cost estimations (capital expenditure and operating expenditure), revenue projections, profitability analysis (ROI, IRR, NPV), sensitivity analysis, and break-even analysis, considering the Indian economic context.
* Market Analysis: Assessment of the target market in India, including market size, growth potential, competitive landscape, pricing strategies, and potential for localization.
* Financial Projections: Detailed financial statements, including income statements, balance sheets, and cash flow statements, 1 projected over a specific period, taking into account Indian accounting standards and tax regulations.
* Risk Assessment: Identification and analysis of potential technical, financial, market, and regulatory risks specific to the Indian context, along with mitigation strategies.
* Regulatory and Legal Aspects: Overview of relevant Indian laws, regulations, and approval processes applicable to the project

Choosing Rubix offers several advantages:
* Data-Driven Insights: We leverage comprehensive data and analytics to provide objective and reliable assessments.
* Understanding of the Indian Market: Our team has a strong understanding of the Indian economic, regulatory, and business landscape.
* Customized Approach: We tailor our TEV Reports to the specific needs and context of your project in India.
* Comprehensive Analysis: We provide a holistic view, covering both technical and economic aspects along with risk and regulatory considerations relevant to India.
* Actionable Recommendations: Our reports provide clear and practical recommendations to guide your decision-making process.

Rubix Data Sciences can cater to a wide range of industries relevant to the Indian economy. Please contact us with details about your specific sector to understand our expertise in that area.

LIE Reports are typically required by banks, financial institutions, and other lenders who are financing large-scale infrastructure, industrial, or real estate projects. They rely on these reports to monitor project progress, assess risks, and ensure the appropriate utilization of funds.

Our LIE Reports offer a multi-faceted analysis, including:
* Technical Due Diligence: Review of project design, technology, engineering aspects, and adherence to specifications and standards.
* Project Progress Monitoring: Tracking physical and financial progress against the project schedule and milestones.
* Financial Review: Assessment of project costs, budget adherence, disbursement requests, and financial viability.
* Quality Assurance: Monitoring the quality of work, materials, and construction practices.
* Environmental and Social Compliance: Review of adherence to environmental regulations and social impact assessments.
* Risk Assessment: Identification and evaluation of potential technical, financial, and operational risks that may impact the project.
* Regulatory Compliance: Ensuring the project complies with all applicable statutory and regulatory requirements in India.

Engaging us offers several advantages:
* Independent and Objective Assessment: Ensuring unbiased evaluation of the project.
* Expertise and Experience: Leveraging our team's deep technical, financial, and regulatory knowledge in the Indian context.
* Risk Mitigation: Early identification and assessment of potential risks, allowing for proactive mitigation strategies.
* Enhanced Transparency: Providing lenders with clear and accurate information about the project's progress and financial status.
* Informed Decision-Making: Enabling lenders to make well-informed decisions regarding fund disbursements and project continuation.
* Regulatory Compliance Assurance: Helping ensure the project adheres to relevant Indian regulations.

We cater to a wide range of projects across various sectors in India, including but not limited to:
* Infrastructure projects (roads, highways, bridges, ports, airports)
* Power projects (thermal, renewable)
* Oil and gas projects
* Manufacturing plants
* Real estate and construction projects
* Mining projects

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