One marketplace for every Bank Guarantee & Surety Bond.
Government contractors compare live offers from 12+ banks and IRDAI-licensed insurers, get rated once, and receive guarantees in days — not weeks. Zero branch visits. Zero photocopies.
- 48–96 hr issuance
- 12 banks & 6 insurers
- Rates from 0.55% p.a.
- e-BG via NeSL
- RBI banks · IRDAI insurers
Your tender closes Friday. Your bank says “two weeks, and 25% margin.” Sound familiar?
Guarantee pricing in India varies up to 3× for the same contractor — because you can only see one bank at a time. BharatFinancial shows you the whole market.
How it works
- 01
Sign up in 3 minutes
PAN, GSTIN and mobile OTP. We verify you instantly — no forms, no branch.
- 02
Consent, don't photocopy
Approve one-time digital fetch of your GST returns, bank statements and financials, straight from the source. You control every consent and can revoke anytime.
- 03
Get your BondScore
Our rating tells banks and insurers exactly how strong you are — so they compete for you with real offers, not “come to the branch”.
- 04
Compare & choose
See every offer side by side: rate, margin, collateral and time to issue. Pick on your terms.
- 05
Track everything
e-BG delivered to your department digitally. Expiry alerts, renewals and releases — one dashboard, every guarantee.
Why contractors choose us
Lower cost
Banks and insurers bid for your business. Members save an average 0.9% p.a. — that’s ₹90,000 a year on every ₹1 crore of guarantees.
Faster issuance
Median 4 days from request to issuance. EMD guarantees in as little as 48 hours.
Working capital freed
Insurance surety bonds need no cash margin or FD. Keep your money in your business, not locked in a bank.
Insurance Surety Bonds
Since 2022, IRDAI-licensed insurers can issue surety bonds accepted in place of bank guarantees by a growing list of departments including NHAI and CPWD-aligned buyers. No FD. No margin. No bank limit consumed. BharatFinancial automatically checks whether your department accepts them — and shows you both options priced side by side.
“We got a ₹92 lakh performance guarantee at 0.85% with a 10% margin — our bank wanted 1.8% and 25%. Issued in 3 days.”
₹486 Cr
Guarantees enabled
2,300+
Contractors
18
Financial institutions
1,092
Instruments live
Built for every side of the market
Contractors
Compare live offers, free working capital with surety bonds, track every instrument.
Learn moreBanks & insurers
Pre-rated, consent-rich leads. Quote in minutes. Pay only on success.
Learn moreDepartments
One registry for every guarantee in your favour — verified, monitored, audit-ready.
Learn moreAre you a government department or PSU?
Track every guarantee in your favour — across all banks and insurers — in one registry. Instant authenticity verification, expiry alerts, digital release.
Questions, answered
What is BharatFinancial?
A marketplace where government contractors compare and obtain bank guarantees and insurance surety bonds from multiple banks and insurers, with digital documentation and tracking.
Is BharatFinancial a bank or NBFC?
No. We are a technology platform. Guarantees are issued by RBI-regulated banks; surety bonds by IRDAI-licensed insurers. We never hold your money.
What does it cost me as a contractor?
Nothing. You pay only the issuing institution’s quoted commission, margin and statutory charges. Our fee comes from the institution, on success.
How fast is issuance?
Median 4 working days end-to-end; EMD/bid guarantees as fast as 48 hours. Each offer shows the institution’s committed TAT.
What is a surety bond and will my department accept it?
An insurer-issued guarantee accepted in place of a bank BG by many departments (per 2022 government procurement rules and IRDAI regulations). It needs no FD or margin. When you raise a request we automatically check your beneficiary’s acceptance and show you both options.