01
Debt syndication
Identifying, structuring and arranging working capital, term loans and project debt from banks, NBFCs and financial institutions.
Independent financial advisory
Enabling Capital.Powering Growth.
Considered financing. Clear direction.
We help businesses structure debt, engage the right lenders and move confidently towards their next chapter.
BUILT ON UNDERSTANDINGA stronger foundation.
01 Independent by design02 Direct partner involvement03 Selective, focused mandates04 Mumbai & Indore
01 / The firm
Clarity where
capital matters.
Augura Consulting LLP is a boutique financial advisory firm headquartered in Mumbai, with a presence in Indore.
We advise mid-size and large corporates on working capital, term loans, structured instruments and project finance.
The right financing begins with a deeper understanding of your business.
INDEPENDENCE
Your interests first.
No lender affiliation. Recommendations shaped by your requirements.
INVOLVEMENT
Led by the partners.
Direct engagement from assessment through financial close.
ATTENTION
Focused by choice.
Limited mandates, with committed attention to each engagement.
02 / Our expertise
Capital solutions.
Business perspective.
From everyday liquidity to complex funding structures, we align financing with your operating needs and long-term ambitions.
02
Structured finance
Bespoke financing instruments, including NCDs, securitisation, hybrid structures and credit-enhanced solutions, tailored to the funding requirement.
03
Project finance
Greenfield and brownfield advisory: feasibility review, financing structure, lender shortlisting, credit information memorandums and support through financial close.
04
NCLT / IBC funding
Resolution applicant finance, interim funding and post-resolution credit structuring for stressed assets under the IBC framework.
05
International funding
Access to external commercial borrowings, bilateral loans from development finance institutions and other cross-border funding for eligible corporates.
06
Financial advisory
Capital structure reviews, refinancing, debt-term optimisation and lender-ready financial models and credit information memorandums.
03 / Our approach
A clear path to
financial close.
One considered process. We bring structure to the requirement, substance to the lender conversation and continuity to execution.
- 01
Understand
Review your business, financials and funding objectives.
- 02
Structure
Design financing around your cash flows, business requirements and the expectations of lenders.
- 03
Prepare
Develop a lender-ready credit information memorandum and financial model.
- 04
Connect
Engage suitable lenders based on sector fit and credit appetite.
- 05
Close
Support term-sheet discussions, documentation and disbursement.
04 / Sector understanding
Different businesses.
Individual solutions.
Financing is never one-size-fits-all. We consider your sector, operating model and growth plans when shaping the mandate.
- Infrastructure
- Real estate & construction
- EPC & engineering
- Manufacturing & trading
- Textiles & apparel
- Pharmaceuticals & healthcare
- Agro & food processing
- Shipping & logistics
- Service industries
- Startups & early-stage companies
05 / Our partners
Experience you can
speak to directly.
Personal involvement is central to our practice. Every engagement is managed directly by the partners.
Gautam N Pandey
MANAGING PARTNERExperience spanning banking, credit appraisal, debt structuring and client advisory, complemented by government policy analysis, research and engagement with regulatory bodies.
5+ YEARS IN BANKING2+ YEARS IN POLICY & RESEARCH
Aayushi Bothra
PARTNERExperience in boutique financial advisory across debt structuring, mandate preparation, credit information memorandums and lender engagement, with a broad perspective across business sectors.
5+ YEARS IN FINANCIAL ADVISORYMULTI-SECTOR EXPERIENCE
Experience reflects the partners’ individual professional backgrounds.
06 / Market perspective
The context behind
capital decisions.
Selected financial developments and published lending benchmarks to inform your funding conversations.
DATED SNAPSHOT · 10 OCTOBER 2026RBI POLICY REPO RATE5.50%Effective 7 Oct 2026
RBI BANK RATE5.75%Effective 7 Oct 2026
SBI 1-YEAR MCLR8.70%Effective 15 Sep 2026
Recent developments
RBI raises the repo rate to 5.50%.
The MPC increased the policy rate by 25 basis points and moved to a calibrated tightening stance.
Read the RBI release ↗Bond sales and tighter reserve maintenance.
RBI announced ₹25,000 crore of bond sales and an increase in banks’ daily CRR maintenance requirement.
Read the Reuters report ↗New measures to support the rupee.
A dedicated dollar window for oil companies and tighter hedging rules have been announced.
Read the Reuters report ↗Published rates & benchmarks
RBI policy benchmarks
| Effective 7 October 2026 | Rate p.a. |
|---|---|
| Policy repo rate | 5.50% |
| Standing deposit facility | 5.25% |
| MSF / Bank Rate | 5.75% |
SBI lending benchmarks
| MCLR · Effective 15 September 2026 | Rate p.a. |
|---|---|
| Overnight / 1 month | 7.85% |
| 3 months | 8.25% |
| 6 months | 8.60% |
| 1 year | 8.70% |
| 2 years | 8.75% |
| 3 years | 8.80% |
Checked 10 October 2026. This is a manually maintained snapshot. Follow the source links for subsequent changes. Benchmarks are not lending offers; actual pricing depends on borrower risk, spread, security and facility terms.
07 / Start a conversation
Your ambitions.
Our considered advice.
Let’s understand your financing requirements.
We invite you to a confidential, no-obligation conversation.
Gautam N Pandey
Managing Partner
- Speak with us
- +91 91791 56669 / +91 98209 60007
- Write to us
- gautam@auguraconsulting.com
- Our presence
- Mumbai (Primary) · Indore (Regional)