What Rubix Data Sciences does

Rubix Data Sciences is a Mumbai-headquartered B2B risk intelligence company founded in 2017 that provides technology and analytics-based risk management and monitoring solutions to banks, NBFCs, fintechs, large corporates, credit insurers, MSMEs, and e-commerce platforms across India. The company addresses information asymmetry in B2B counterparty relationships by delivering credit risk assessments, supplier due diligence, compliance monitoring, fraud detection, KYC verification, and debt collection services, with its primary verticals being BFSI and large enterprise supply chains.

The platform is anchored by Rubix ARMS (Automated Risk Management and Monitoring System), which integrates structured and unstructured data from over 120 sources spanning MCA, GST, PF, legal records, credit ratings, news media, and social media to generate dynamic risk scores and credit limit recommendations across over 1,000 data elements per firm. The modular suite includes Rubix EWS for near-real-time monitoring with color-coded dashboards, Rubix Nexus Check for detecting hidden ownership linkages (reporting 35% cost leakage reduction and 90% faster onboarding), Rubix eKYC and Video KYC with AI-driven liveness and deepfake detection, Rubix UBO reports for beneficial ownership mapping, B2B debt collection with skip tracing, and Rubix LEI services. As India's first GLEIF-appointed Validation Agent, Rubix holds a privileged regulatory position in the LEI ecosystem mandated by RBI, SEBI, and IRDAI; the company is ISO/IEC 27001 certified and distributed via the SAP Store.

Rubix operates a sales-led go-to-market motion combining direct enterprise sales with event-driven content marketing through industry and country insight reports. Revenue is diversified across SaaS subscriptions to ARMS and EWS, transactional LEI issuance and renewal fees (₹3,500-13,300+GST across 1/3/5-year tiers), on-demand business information and due diligence reports, and professional services for debt collection. The company has raised approximately ₹6.2 crore (~$750,000) in its most recent disclosed funding round in 2021 from Cactus Venture Partners and family offices, and has won the ETBFSI Exceller Award three consecutive years (2023-2025) plus the 'Friend of MSME' Award in 2025.

Name

Rubix Data Sciences

Legal name

Rubix Data Sciences Private Limited

Website

https://rubixds.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Rubix Data Sciences is a Mumbai-based B2B risk intelligence platform offering AI-driven credit risk scoring, supplier monitoring, compliance verification, fraud detection, and debt collection for banks, NBFCs, fintechs, corporates, and MSMEs across India.

Ownership category

akta.pro rank

Product category

B2B Risk Intelligence Software

NAICS

Credit Bureaus (561450), Other Activities Related to Credit Intermediation (522390)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH), Reference Data & Static Data Operations (SSI/Instrument/Client Data) (FSACALAJ)

Keywords

• Business risk intelligence
• Credit risk scoring
• Supply chain monitoring
• Compliance verification
• B2B debt collection

Headquarters

HQ city

Mumbai

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. ARMS Platform Subscriptions: Rubix generates revenue primarily through SaaS-style subscriptions to its ARMS platform and EWS, where banks, NBFCs, fintechs, and corporates pay recurring fees for access to credit risk scoring, supplier risk assessment, and compliance monitoring. Annual or multi-year subscription terms are implied by the enterprise sales motion.
2. LEI Issuance and Renewal Fees: Rubix charges fees for Legal Entity Identifier issuance, renewal, and transfer services. Pricing is tiered by duration: 1-year at ₹3,500+GST, 3-year at ₹8,650+GST, and 5-year at ₹13,300+GST. Multi-year contracts are available, with LEI issuance taking 1-2 business days and renewals processed within prescribed timelines.
3. Business Information Reports: Rubix sells parametrised business checks and due diligence reports on demand, including Supplier/Vendor Assessment Reports, Debtor/Creditor Verification Reports, ROC Search/Charge Reports, TEV Reports, and LIE Reports. Revenue is generated per-report or in batches, with customisation available for enterprise clients.
4. B2B Debt Collection Services: End-to-end B2B debt collection solutions combining data analytics, technology, and field networks. Rubix earns fees for accounts receivable management, skip tracing, and legal collection support, helping businesses reduce Days Sales Outstanding (DSO). Skip tracing reportedly resolves approximately 80% of cases.
5. Industry and Country Insight Reports: Rubix publishes and distributes industry insights and country trade reports covering sectors including steel, solar, defence, auto components, paints, agrochemicals, logistics, and bilateral trade. These reports serve as both thought leadership and lead-generation assets for the company's platform services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels13 records

Core offering

Rubix Data Sciences operates a cloud-based B2B risk intelligence platform (Rubix ARMS) that aggregates data from over 120 structured and unstructured sources covering financial filings, statutory compliance (MCA, GST, PF), legal records, credit ratings, news media, and social media to deliver AI/ML-driven credit risk scores, supplier risk assessments, compliance monitoring, and early warning alerts. The company also offers LEI validation services as India's first GLEIF-appointed Validation Agent, KYC/vKYC identity verification, B2B debt collection, and parameterized due diligence reports for banks, NBFCs, fintechs, corporates, and MSMEs.

Product overview

Rubix Data Sciences operates as a B2B risk intelligence company offering a modular platform architecture centered on the Rubix ARMS™ (Automated Risk Management and Monitoring System) core platform. ARMS integrates with the Rubix EWS (Early Warning System) for continuous monitoring and the Rubix Nexus Check fraud detection module. The suite includes specialized KYC/identity solutions (eKYC, Video KYC), UBO Reports, B2B Debt Collection with Skip Tracing, and LEI services. Supporting modules cover Business Checks, Due Diligence Reports, Supplier Assessment, Debtor/Creditor Verification, ROC Search, Portfolio Review, TEV Reports, LIE Reports, International Business Checks, and ESG Assessment—serving banks, NBFCs, fintechs, corporates, and MSMEs across credit risk, supplier risk, compliance, and debt collection use cases.

Differentiator

Problem solved

Functional benefit

Brands

• Rubix ARMSTM Platform: Automated Risk Management and Monitoring System for B2B risk decisioning
• Rubix EWS
• Rubix Nexus Check
• Rubix eKYC
• Rubix Video KYC
• Rubix B2B Debt Collection
• Rubix LEI

Products and services

• Rubix ARMS Platform (Automated Risk Management and Monitoring System) Primary B2B risk intelligence platform that integrates structured and unstructured data with advanced analytics and visualization to assess credit, supplier, and compliance risks for counterparties, generating dynamic risk scores for banks, NBFCs, fintechs, corporates, and MSMEs.
• Rubix Early Warning System (EWS) A fully automated, plug-and-play risk monitoring platform that tracks credit, supplier, and compliance risk in near real-time by aggregating data from statutory filings, media reports, and credit ratings, providing color-coded dashboards and dynamic risk scores.
• Rubix Nexus Check Specialized intelligence solution that uncovers hidden ownership relationships, undisclosed linkages, and potential collusion within vendor and distributor networks using statutory and regulatory data analysis (PAN, GST, PF, addresses, director information).
• Rubix eKYC Digital KYC solution leveraging government databases (MCA, ROC) to verify legal existence and documents of businesses, and performing promoter KYC using Aadhaar and PAN for identity and address verification, ensuring RBI compliance.
• Rubix Video KYC (vKYC) AI-powered video-based identity verification solution incorporating real-time liveness checks, geo-tagging, and AI-powered document validation to detect deepfakes, liveness fraud, and synthetic identity fraud for remote customer onboarding.
• Rubix UBO Reports Ultimate Beneficial Ownership reports that map complex multi-jurisdictional ownership structures, identify individuals exercising control, and detect sanctions exposure and indirect influence to strengthen compliance and due diligence.
• Rubix B2B Debt Collection Solutions End-to-end B2B debt collection combining data analytics, technology, legal support, and field collection teams to predict, prioritize, and drive collections, reducing Days Sales Outstanding (DSO) for improved cash flow management.
• Rubix Skip Tracing Debt recovery service employing advanced digital search tools, proprietary databases, social media mining, and field investigations to locate elusive defaulters, achieving successful tracking in approximately 80% of cases.
• Rubix LEI (Legal Entity Identifier) Services India's first GLEIF-appointed Validation Agent service enabling legal entities to obtain and renew LEI codes (1-5 year options) through validation with MCA, GSTN, SEBI, NSDL, and other regulatory databases; issuance in 1-2 business days.
• Rubix Business Checks and Due Diligence Reports Parameterized risk assessments covering identity, statutory compliance, legal cases, social media, promoters, ownership, operations, financial performance, trade references, and related parties for customers, dealers, distributors, and suppliers; comprehensive pre-transaction assessments drawing from 120+ sources.
• Rubix MSME Due Diligence Report Specialized due diligence solution for micro, small, and medium enterprises addressing financial information gaps and proprietary business risks to enable informed lending decisions for MSMEs.
• Rubix ESG Assessment Solutions ESG evaluation solutions enabling organizations to track, assess, and report environmental, social, and governance performance, embedding ESG across portfolios and supply chains; co-distributed with Breathe ESG.

Quantifiable outcome

• 35% reduction in cost leakages through Rubix Nexus Check
• +5 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability8 records

Feature9 records

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Signzy: India-based digital onboarding, KYC, and banking-API platform offering video KYC, AI-based verification, and compliance workflows. Overlaps with Rubix's eKYC/vKYC and business onboarding solutions, particularly for fintech and BFSI clients.
• CreditVidya: India-based alternative credit scoring and underwriting analytics platform for thin-file borrowers using non-traditional data. Comparable to Rubix's SME Income Range Estimation tool in using alternative data signals to underwrite underserved borrowers.

Broad incumbents

• TransUnion CIBIL: India's dominant consumer credit bureau (joint venture with TransUnion) providing credit reports, scores, and analytics to BFSI. While primarily consumer-focused, its commercial bureau offerings and decisioning tools overlap with Rubix's counterparty risk coverage.
• Equifax India: Indian arm of global credit bureau Equifax, providing consumer and commercial credit information, analytics, and risk scoring. Rubix's President Tushar Bhaskar previously held senior roles at Equifax India, and the firms compete for similar BFSI risk analytics mandates.
• Experian India: Global credit information group operating in India across consumer credit reporting, business credit reports, and analytics. Overlaps with Rubix on B2B credit reports and decisioning, but as part of a broader global portfolio rather than an India-only specialist.

Direct peers

• IDfy (B2B identity and risk platform): India-based B2B identity verification, KYC, background checks, and fraud detection platform serving enterprises and fintechs. Comparable to Rubix on eKYC, vKYC, fraud detection (Nexus Check equivalent), and entity verification use cases.
• Karza Technologies: Indian data, analytics, and verification platform for BFSI covering KYC, due diligence, entity verification, and credit-related data services. Directly overlaps with Rubix's eKYC, UBO, and business information report offerings for banks, NBFCs, and fintechs.
• Dun & Bradstreet India: India's incumbent business information and B2B risk analytics provider — directly comparable on credit reports, supplier risk, and compliance monitoring for Indian BFSI and corporate buyers. Notably, Rubix's Founder (Kaushal Sampat), CEO (Mohan Ramaswamy), CFO (Samir Modi), and President (Tushar Bhaskar) all held senior roles at D&B India, making it both a direct competitor and a benchmark.
• CRIF High Mark: Indian credit bureau and risk solutions firm serving banks, NBFCs, and fintechs with consumer and commercial credit reports, analytics, and decisioning platforms. Directly comparable to Rubix on the credit information, decisioning, and B2B analytics value proposition.
• Perfios: India-based financial data aggregation and analytics platform serving banks, NBFCs, and fintechs with income/asset verification, credit decisioning, and risk analytics. Comparable to Rubix on data aggregation, statement parsing, and underwriting support for BFSI lenders.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/DataRubix
• YouTubeyoutube.com/@rubixdatasciences
• Facebookfacebook.com/rubixdatasciences
• LinkedInlinkedin.com/company/rubix-data-sciences

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rubix Data Sciences