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FINKOI
FINKOI is a structured finance and debt syndication advisory firm based in Pune, India, with a stronghold in real estate construction finance. The firm raises debt across PSU banks, private banks, NBFCs and institutions such as SIDBI for real estate developers, manufacturers and mid-market growth businesses, and structures capital so it strengthens the business rather than straining it. Typical mandates range from ₹10 crore to ₹200 crore and above.
Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-25T05:54:23.642Z. Cached copy · Source on finkoi.com
# FINKOI
> FINKOI is a structured finance and debt syndication advisory firm based in Pune, India, with a stronghold in real estate construction finance. The firm raises debt across PSU banks, private banks, NBFCs and institutions such as SIDBI for real estate developers, manufacturers and mid-market growth businesses, and structures capital so it strengthens the business rather than straining it. Typical mandates range from ₹10 crore to ₹200 crore and above.
Key facts:
- Founded practice: structured finance, debt syndication, growth capital advisory, MIS and financial planning
- Stronghold sector: Indian real estate (land acquisition, construction finance, last-mile funding, refinance, redevelopment, stressed-asset workouts)
- Also serves: manufacturing (machinery term loans, working capital) and mid-market growth businesses
- Geography: Pune, Maharashtra, advising pan-India
- Lender network: public sector banks, private banks, NBFCs, financial institutions (e.g. SIDBI), AIFs and private credit
- Engagement model: success fee on debt syndication; retainer or advisory fees for structured engagements
- Contact: hello@finkoi.com (general), mandates@finkoi.com (mandates)
## Services
- [Debt Syndication](https://finkoi.com/services#debt): Raising debt across banks, NBFCs and institutions for projects, working capital, machinery and expansion. Flagship offering.
- [Growth Capital Advisory](https://finkoi.com/services#growth): Capital stack design, debt optimisation and financial planning for aggressive growth.
- [MIS & Financial Planning](https://finkoi.com/services#mis): Decision-making MIS, budgeting frameworks and planning systems.
- [Real Estate Practice](https://finkoi.com/real-estate): Land acquisition, construction finance, last-mile funding, project refinance, redevelopment, stressed-asset workouts.
- [Case Studies](https://finkoi.com/case-studies): Anonymised mandates showing the situation, challenge, approach and outcome.
## Free Calculators
- [Construction Loan EMI & Interest Calculator](https://finkoi.com/calculators/construction-loan): Models the moratorium period separately from repayment, showing interest during construction and the EMI afterwards.
- [Loan Comparison Tool](https://finkoi.com/calculators/loan-comparison): Compares two loan offers on total cost of credit, not just headline rate.
- [DSCR Calculator](https://finkoi.com/calculators/dscr): Debt service coverage ratio against the thresholds lender credit teams use (1.25x minimum, 1.5x comfortable).
## Articles
Written in first person by Mohnish (FINKOI), drawing on direct experience with Indian real estate developers and lenders.
- [Refinance Is Not a Sign of Trouble. When Replacing Your Lender Is the Smart Move](https://finkoi.com/blog/refinance-is-not-a-sign-of-trouble): Many promoters treat refinancing like admitting a mistake. In reality, the loan that was right at launch is often wrong two years later, because the project de-risked and the loan did not notice. He
…
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