From builder finance and construction lending to structured real estate credit — Sunby Consulting delivers objective, institutionally-aligned risk advisory at every stage of the financing lifecycle.
Lenders increasingly distrust developer-provided MIS, internal optimistic reporting, and relationship-driven underwriting. Sunby Consulting delivers objective, data-driven, and audit-friendly credit intelligence. Our frameworks are designed to support RBI-regulated lenders, AIFs, and private credit platforms — while remaining fully independent of any lending or regulatory mandate.
Sunby Consulting is built by professionals with deep, hands-on experience in construction finance, real estate underwriting, portfolio monitoring, and stressed asset resolution — not generalist consultants. Our advisory carries the credibility of practitioners who have sat on both sides of the credit table.
A seasoned real estate finance professional with extensive experience in construction finance, credit underwriting, and portfolio risk management across leading financial institutions in India. Bobby brings deep expertise in structured real estate lending, developer assessment, and project-level credit monitoring — with a track record spanning residential, commercial, and mixed-use asset classes across the builder finance ecosystem.
View LinkedIn ProfileA real estate finance and credit risk specialist with significant experience in NBFC and institutional lending environments. Sunil has worked extensively on real estate credit policy design, underwriting framework development, and stressed asset resolution — providing lenders with the institutional infrastructure needed to manage complex real estate portfolios at scale across the full builder finance spectrum.
View LinkedIn ProfileMost advisory firms cover one or two phases. Sunby Consulting operates across the entire credit lifecycle — making us uniquely positioned to prevent NPAs, not just respond to them.
Covering the full spectrum of real estate finance risk — builder finance, structured lending, construction credit, and beyond.
Our advisory spans the entire spectrum of real estate financing in India — from early-stage construction credit to last-mile funding and stressed asset resolution across all major property types.
Every deliverable from Sunby Consulting is structured for institutional consumption — designed to be presented to credit committees, boards, and audit functions without modification.
Our reports serve as the primary credit intelligence input for lenders — not a supplement to developer-provided data. They are objective, evidence-based, and formatted to support credit decision-making and regulatory review across the real estate finance ecosystem.
"We help prevent NPAs — not just recover from them."
Early Warning Intelligence"Actionable credit intelligence across the full project lifecycle."
Portfolio Surveillance Positioning"Independent. Data-driven. Audit-friendly. Institutionally aligned."
Core Trust PropositionFew firms combine underwriting expertise, monitoring capability, and recovery understanding. That combination is what makes our stressed asset advisory uniquely effective for Indian lenders navigating the real estate finance cycle.
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