Rubix Data Sciences

21/08/2026

When a client describes it better than we could

Mr. Chirag Sarvaiya, who leads credit control for Cement and RMC at Adani Enterprises, recently wrote about what changed after his team rolled out Rubix’s platform nationwide and how his team moved from siloed credit data and manual reconciliation to a single, real-time view of exposure.
The numbers he shared: a 15% drop in risk and 30% better adherence to approved credit limits.

The stats are strong, but the sharper detail is how he framed the shift itself: from a team piecing together creditworthiness after the fact, to one catching risk early enough to act on it. Coming from the team using the platform every day, that distinction carries more weight than any product description could.

Thank you, Mr. Sarvaiya for your validation of our platform!

The RUBIX Effect: How a Unified Credit Platform Transforms Risk Assessment Fragmented credit data isn't just inefficient; it’s a blind spot for your entire organization. You're leaving significant risk unmanaged, despite your best efforts. We've all seen it. Disparate systems, manual reconciliatio...

19/08/2026

Every March, the scramble begins.

Invoices hunted down, utility bills cross-referenced, and carbon metrics panic-calculated just in time for compliance deadlines.

For 24/7 operations like university campuses, hospitals, and bustling commercial spaces, waiting until Q1 to look at environmental data is an expensive blind spot. When facilities run continuously, tiny resource leaks turn into massive margin erosion.

The reality of modern infrastructure: Sustainability tracking and cost control are the same exercise.
Energy, water, and waste budgets shift constantly. Continuous tracking flips ESG from a reactive compliance chore into a real-time financial audit tool.
• Immediate anomaly detection stops waste before bills arrive.
• Continuous data visibility turns sustainability into a direct driver of operational savings.
• Automated multi-site management eliminates spreadsheet chaos across sprawling portfolios.

Forward-thinking organisations, including WeWork India and VR Malls, already use Breathe ESG to monitor their building portfolios seamlessly year-round, capturing savings while simplifying reporting.

Is your ESG data helping you spot cost anomalies today, or is it just filling out annual reports?

Connect with us to explore how Rubix and Breathe ESG turn sustainability into your bottom line.

15/08/2026

Eighty years ago, a country the world wasn't sure would hold together decided to bet on itself anyway. Since then, it has kept building, kept learning, and kept finding reasons to be hopeful about what comes next.

The India of today looks almost unrecognisable from the one that started out in 1947. Today we are among the world’s largest economies, have a wider influence, and a seat at more tables than anyone predicted back then. And the next eighty years are likely to bring even bigger and better change.

This Independence Day, let’s celebrate how far we have come as a nation and vow to take it to further heights! Jai Hind! Vande Mataram!

Happy Independence Day.

14/08/2026

When Rubix Data Sciences was founded in 2017–2018, the core mission was to bridge the information asymmetry in India’s B2B ecosystem. But how do you decode millions of businesses where reliable financial data is scarce?

In the second part of our feature on Fintech Ki Baat, our Co-Founder & CEO, Mohan Ramaswamy, pulled back the curtain on how Rubix uses data science, AI, and continuous monitoring to simplify complex risk intelligence.

Here are 5 key takeaways from the discussion on how data is shaping modern credit decisions:
1. Decoding the 60 Million Market: India has over 60 million credit-active businesses. For sole proprietorships and partnerships, traditional underwriting models often break down due to a lack of formal financials and limited bureau coverage.
2. Synthesising 120+ Data Sources: No single data point tells the whole story. By combining structured data (GST, MCA, and statutory filings) with unstructured sources (court cases, legal data, and adverse media), Rubix builds a powerful proxy for overall business health.
3. From Static Reports to Continuous Monitoring: Risk management needs to continue beyond onboarding. Real-time tracking of payment delays, compliance changes, and score shifts is what protects lenders and empowers them to act proactively.
4. Technology at Scale: Behind every automated score and predictive indicator is a massive amount of background processing. Deploying smart tech allows Rubix to scale up to nearly a million assessments a year while keeping solutions fast and cost-effective.
5. The Road Ahead for MSME Credit: As India accelerates toward its economic growth goals, expanding credit inclusion for thin-file businesses through alternate data and AI-driven models will be the true catalyst for progress.

A big thank you to Shreyas Jani and the Fintech Ki Baat team for hosting such a thought-provoking conversation!

Catch the full second segment here: https://bit.ly/4gseTIR

India has 60 million businesses that need credit.Most credit decis...

13/08/2026

Peter Parker isn't the only one hunting something invisible. So are we. 🕸️

Supply chains hide threats of all kinds. A shell entity. A hidden shareholder. A connection that hops from one company to another until it's already inside your business.

Most risk tools only see what's declared.

Rubix Nexus Check sees what's connected, surfacing hidden ownership links and beneficial owners buried in the paperwork before they become your problem.

11/08/2026

Traditional risk assessment leans on periodic reviews and static scorecards, built for a slower-moving world. Markets, regulations, and business relationships now change faster than those reporting cycles can keep up with.

In her latest piece for Express Computer, Ankita Drolia, SVP – Operations and Strategic Business Development at Rubix Data Sciences, looks at how AI is changing the central question risk teams ask: from "what happened?" to "what's likely to happen next?"

Some of what she covers:
AI can connect signals that look unrelated on their own, such as a delayed statutory filing, slowing payments, and a stray news mention, and surface the pattern they form together, often before it becomes a material risk.
Continuous monitoring is replacing point-in-time checks, catching early warning signs across a business' entire network of suppliers, vendors, and partners.

And even as AI takes on more of the analysis, risk professionals still decide what the patterns mean and what to do about them. This is the context and judgement that the technology can't supply on its own.

Ankita concludes that as AI adoption in risk functions accelerates, companies that pair it with trustworthy data and experienced judgement will be the ones that pull ahead.

Read the full article: https://bit.ly/45k8w4a

By Ankita Drolia, SVP – Operations and Strategic Business Development, Rubix Data Sciences Since the turn of the century, enterprise finance has undergone a remarkable transformation. It began with the […]

06/08/2026

India's passenger and commercial vehicle industry just posted one of its strongest years yet and is becoming one of the country's biggest manufacturing and export success stories.

Our latest *Rubix Industry Insights: Passenger and Commercial Vehicles Industry* breaks down what's actually driving this growth and what it means for stakeholders and supply chain partners such as lenders, dealers, component makers, logistics partners, and everyone whose balance sheet depends on this demand showing up on schedule.

Some highlights from the report:
🚗 Passenger Vehicle (PV) sales have grown from 2.71 million units in FY2021 to 4.64 million units in FY2026, an 11% CAGR.
📈 PV exports reached a record 0.77 million units in FY2025.
🚙 SUVs now account for 65% of all PV sales.
🚛 Commercial Vehicle (CV) sales have increased to 1.08 million units in FY2026, growing at a 14% CAGR from FY2021.
🌍 India became the world's third-largest automobile market in 2025 and is now targeting the top spot globally within the next five years.
⚡ Electric vehicle adoption continues to accelerate, supported by policy initiatives and new product launches.
🏗️ Infrastructure investment, easier financing, localisation, and manufacturing expansion continue to strengthen demand.

🔍 The report also examines export markets, BS-VII emission norms, ADAS adoption, major OEM investments, supply chain trends, and emerging risks facing the industry.

Whether you are part of banking, automotive, manufacturing, logistics, supply chain, insurance, or government, understanding where this industry is headed matters because of its deep integration with India’s economy.
Download now. https://bit.ly/4fH8Cc7

04/08/2026

Over the years, we have seen the same story unfold more times than we would like.

A company misses a GST filing.

A legal notice appears.

Payments begin to stretch.

Business activity slows just enough to be noticeable.

Individually, none of these signals looks alarming. Together, they often tell a very different story.

The challenge is that credit defaults seldom happen overnight, and they leave clues. The question is whether anyone is looking for them before they become obvious.

At Rubix, we have spent years studying how businesses change before they fail. We have watched thousands of companies transition from stable to stressed, and one thing has become clear: risk almost always whispers before it shouts.

That understanding is what shaped the Rubix Early Warning System (EWS) platform.

By continuously monitoring GST behaviour, legal developments, MCA filings, transactional trends, adverse news, and other critical indicators, Rubix EWS helps businesses identify emerging risks while there is still time to respond.

Most credit losses are caused by signals that were available but went unnoticed.

What if the next default in your portfolio wasn't a surprise?

03/08/2026

A robust scientific ecosystem requires a strong foundation in data.

At the Ignite Summit 2026, Kaushal Sampat, Founder, Rubix, shared insights on why organising and leveraging Indian and South Asian scientific data is critical for our research community. Relying solely on Western datasets often falls short when addressing the unique genetic and biological challenges we face in our region.

Organising this data, while ensuring full compliance with the DPDP Act, will empower our researchers with the right tools to drive meaningful breakthroughs in life sciences.

Watch the full clip here: https://www.youtube.com/watch?v=SKJq6-EdVYo

Kaushal Sampat, Founder of Rubix Data Sciences Pvt. Ltd., highlight...

01/08/2026

Are You Missing Emerging Risks in Your Portfolio?

Most businesses do not run into credit risk problems overnight. The signals are usually there. They are just easy to miss when risk assessments happen only at fixed intervals.

Here are three signs it may be time to rethink how you monitor business risk.
1. You are Still Reviewing Risk Periodically
A lot can change between quarterly or annual reviews. Financial filings, compliance updates, legal developments, and operational changes don't adhere to reporting calendars. If you are only looking at risk occasionally, you are reacting to it instead of staying ahead of it.

2. You are Treating All Businesses the Same
Every industry behaves differently. What signals stress in one sector may be perfectly normal in another. Risk monitoring becomes more meaningful when it accounts for industry-specific indicators instead of applying a one-size-fits-all approach.

3. You are Discovering Problems Too Late
Delayed payments and defaults are often the result of risks that went unnoticed earlier. Only consistent monitoring can catch them before they do serious damage.
At Rubix, we built Rubix ARMS™️ and EWS to help businesses monitor emerging risks continuously through AI- and ML-powered industry models and early warning signals, enabling more informed credit decisions at scale.

Which of these challenges resonates most with your organisation?