.png)
Derive Advantage from Information
Predict Credit & Investment Risks early and with certainty
Independent research that combines standard credit/investment analysis with elements of financial forensics. Rich experience of a decade in generating client specific reports and investigations. Clients include Private Sector Banks, NBFCs, AMCs, FPIs & PEs
Who we are
-
Infovant Solutions is an independent research firm run by seasoned bankers and credit risk professionals.
-
Analyses risks lenders and investors face in the Indian market, particularly in promoter controlled companies.
-
Rich experience of a decade in generating client specific reports and investigations.
What we do
Harvest & Assess
Research & Analyse
Predict & Prevent
-
In depth research at group level on Indian Corporate Houses & Large/ Medium/Small Companies.
-
Identify financial irregularities, potential fraud early on using a methodology, refined over years, to extract and connect critical pieces of information from structured/unstructured public data.
Our Journey...
80+
Large & Mid Sized groups involving 600+ entities
90+
Mid Sized & Small
groups involving 300+ entities
Across sectors & risk themes
Most companies rated BBB & below
Most companies rated A & above
Our Products
CRISP
-
Analysis and insights on companies at a group level focusing on the less obvious and connecting the dots.
-
Typically used for large groups/listed companies.
CIF
-
A quick, company focused analysis to address specific queries.
-
Suitable for mid to small sized groups/unlisted companies.
Why us
Lenders and Asset Managers- Equity & Debt use our reports as inputs for key credit / investment decisions
-
Approval of new loan / investment
-
Review existing and freezing exposure
-
Exiting an exposure
Share your risk concerns
Write to us at info@infovant.com
LENDERS
Early Warning Signs
Identify signs of stress early in a borrower company / group and initiate account review
LENDERS
ASSET MANAGERS -DEBT
Debt Serviceability
Assess debt servicing capability at Group & promoter level
LENDERS
ASSET MANAGERS -EQUITY & DEBT
Related Party Tranx
Review disclosed / undisclosed related party transactions to identify diversion, fraud etc.
LENDERS
ASSET MANAGERS -DEBT
Pricing
Evaluate if pricing is aligned to the risks assumed and / or seek additional collateral
LENDERS
ASSET MANAGERS -EQUITY & DEBT
Promoter Leverage
Assess promoter leverage particularly against pledge of listed company shares
LENDERS
ASSET MANAGERS -EQUITY
Promoter Check
Obtain detailed check on promoters’/PCEs* business dealings, legal & regulatory issues
* Promoter controlled entities
ASSET MANAGERS -DEBT
Repricing
Re-price debt offer based on ‘additional risks’ identified by Infovant and/or modify covenants
ASSET MANAGERS -EQUITY & DEBT
Downside Risks
Initiate discussions with management on downside risks / concerns flagged by Infovant
ASSET MANAGERS -EQUITY & DEBT
Compliance Check
Review governance, company resolutions with gaps in information and background of board nominees
LENDERS
ASSET MANAGERS -EQUITY & DEBT
Fact Check
Review accuracy of company provided information, soundness of ratings and accounting irregularities
Our research built on 3 pillars ensures that clients get truly unique insights and a first mover advantage.
Comprehensive Coverage
Group Level:
All group companies, related parties, promoter holding/controlled entities
Ecosystem:
Investors, lenders, customers, suppliers, competitors and activists
Regulatory & Legal:
Governments, regulators, statutory authorities and courts
In-depth Analysis
Promoter & Group leverage/transactions:
Amount of group /promoter leverage, debt servicing issues, un(/)disclosed related party transactions & diversion
Adverse Financial Impact:
Disputes, covenant breaches and actions by players in the ecosystem affecting the company’s financial position
Unfavourable Outcomes:
Analysis of latest developments in ongoing court matters and of statutory investigations/punitive actions
Fact Check
Accounting Practices:
Reconciliation/validation of reported numbers to identify overstated asset values/revenues and understated costs/ liabilities/ provisions
Intent behind the Content:
Verbiage analysis of company reporting /management disclosures over periods to identify whether facts were understated/ overstated/ left unsaid.
Counterpoint:
Review of information from non company sources to validate if company provided disclosures are accurate and adequate.
Core Team / Advisors
Ramesh
Founder at Infovant, Ramesh, brings 30 years' experience spanning Private Equity, Investment Banking, Corporate Banking, Treasury (FX trading), Risk Management and Business Consulting in IT. Possesses deep insights of the strategic, operational, process, financing needs of corporate clients and lenders /investors assessment of these from a risk perspective.
Has served leading Indian and Global banks, Investment banks, IT products and services companies in Sales, Operational and Consulting roles. At banks, Ramesh managed complex relationships including: two of the top five exporters (Trade Finance), three of the largest industrial groups in metals (commercial lending) and top pharma companies (payments and cash management). Previous roles include leading the Solutions team for a Syndicated Lending product and as Senior Principal, Banking at a leading IT firm's Consulting practice where he worked on transformational programs for global banks
Ramesh holds an MBA from XLRI, Jamshedpur and a degree in Economics from Delhi University.
Pankaj
Has over 25 years of experience across Wholesale Banking, Financial markets and Technology. He has worked across corporate banking, ALM, transfer pricing, structuring balance sheet products, money market, bond and foreign exchange trading.
Pankaj is a certified Risk Professional and has consulted with banks across Basel processes and pricing of financial products.
Pankaj holds an MBA from the Indian Institute of Management Calcutta, and a BE degree in Electronics engineering from NIT Allahabad
Mohit
Has 25 years of experience in risk management, wholesale banking and consulting. Heads a venture incubation firm where he evaluates credit appraisal of debt funded, incubated businesses. Previously, spent thirteen years in various capacities in Risk Management particularly credit risk with leading banks including Indian arms of 2 global banks. Also worked at a leading Indian IT services company's Consulting practice as an International Banking Consultant. A certified Risk Professional, Mohit specialises in Credit Risk and loan and credit administration covering credit analysis of corporate borrowers, financial and operating performance, facility structure, business projections and key risk mitigation. Has guided banks on risk strategy, governance and policy, enterprise risk management, bank-wide risk appetite, stress testing and Basel-related processes.
Mohit holds an MBA from the Indian Institute of Management Bangalore, a BE degree in Electrical and Electronics engineering from BITS, Pilani and a Financial Risk Manager certification from the Global Association of Risk Professionals