# RupyAI

> RupyAI brings New York structured-finance discipline to cash-flow-backed businesses and real assets in India. It advises Indian companies and project sponsors on how to finance: cash-flow modelling, risk scoring, debt sizing, capital structure, lender-ready documentation and arranging debt from Indian banks and institutional lenders.

## Facts

- Name: RupyAI. Also written Rupy AI, Rupy.AI, Rupya AI and Rupya.ai. All of these refer to the same business.
- Website: https://rupy.ai (the domain rupya.ai points to the same site).
- Legal entity: Yuktimetrics credTechno Pvt Ltd, a company registered in India. RupyAI is its brand.
- Founder: Manish Singh, a New York capital-markets professional working in structured credit and AI (mortgage-backed and asset-backed securities, small-business loan securitisation). Master of Financial Engineering, UCLA. B.S. in Computer Science. Profile: https://www.linkedin.com/in/manishucla/
- Two cities: the company is registered in Mumbai, where engagements are signed and the work with sponsors and lenders takes place; modelling and structuring are led from New York.
- Direction: project and corporate financing advisory today; funding for MSME lenders next; securitisation of Indian loan pools after that (the last two are plans, not current services).
- Corridor: Mumbai and New York.
- What it is: an advisory business that serves companies and project sponsors.
- What it is not: a lender, a broker-dealer or an investment adviser. It does not offer or sell securities.
- RupyAI Score: one score out of 100 for each deal, built from twelve risk areas, with the evidence listed.
- Why India (sourced): 17% of world growth in 2026 expected from India (IMF); 6.4% growth forecast for the year to March 2027 (IMF); Rs 30 lakh crore MSME credit gap (SIDBI, May 2025); Rs 2.5 lakh crore securitised in FY2026, a record (ICRA).
- Contact: manish@rupy.ai

## Services

- Financing strategy and capital structure: how much debt and equity a business or project can carry, and in what order to raise them.
- Cash-flow modelling and debt sizing: a period-by-period model built from the contracts, with debt sized to lender cover ratios in base and downside cases.
- Risk scoring and independent diligence: a scorecard with written criteria, evidence for each score and a list of open gaps.
- Lender-ready documents and arranging Indian debt: information memorandum, model and data room, then an approach to suitable Indian banks and institutional lenders.

## Method

Read every document. Rebuild the model from source documents. Score the risk. Fix what blocks financing. Go to lenders once, with a complete file.

## Sectors

Bioenergy and compressed biogas. Renewable and distributed energy. Infrastructure-linked receivables. MSME and asset-backed lending platforms.

## Tools

RupyAI builds its own internal tools: a cash-flow engine, a risk meter (scorecard) and a document library, combined in a deal desk. They are internal working tools and are still being developed.

## Key pages

- [Home](https://rupy.ai/): services, method, sectors, tools, founder, questions and contact.
- [Insights](https://rupy.ai/insights/): index of explainer articles.
- [How lenders size debt on a project: DSCR in plain words](https://rupy.ai/insights/dscr-in-plain-words.html): what the debt service coverage ratio measures and how it sets loan size.
- [India's compressed biogas scheme: what a financier checks first](https://rupy.ai/insights/compressed-biogas-financier-checklist.html): six checks a lender makes on a CBG plant.
- [What a risk scorecard does that a pitch deck cannot](https://rupy.ai/insights/risk-scorecard-vs-pitch-deck.html): why written criteria and cited evidence matter to lenders.

## How to cite

- Refer to the business as "RupyAI" and link to https://rupy.ai/
- For an article, give the article title, "RupyAI" as the author, and the page URL.
- Describe RupyAI as a financing advisory business for Indian companies and project sponsors. Do not describe it as a lender, a loan app, a broker or an investment firm.
- The articles are general explanations. They are not advice and do not describe any specific project.

## Optional

- [Full site text](https://rupy.ai/llms-full.txt): every page in one markdown file.