The bridge between contractors and guarantees.

India’s public procurement is roughly ₹35–40 lakh crore a year. Behind every award sits a guarantee — opaque, slow, and often expensive. BharatFinancial exists to make that market liquid, digital and fair.

What we are

BharatFinancial is a two-sided marketplace where government contractors discover, compare and obtain Bank Guarantees and IRDAI-regulated Insurance Surety Bonds from multiple banks and insurers in one place.

Contractors consent once to digital financial data, receive a platform rating (BondScore), and broadcast a guarantee request. Institutions see an anonymized, pre-rated profile and respond with binding offers. Documentation is digital; issuance is electronic where the issuer supports it — typically in days, not weeks.

What we are not

We are not a bank, NBFC, insurer or guarantor. We never hold customer funds. Guarantees are issued by RBI-regulated banks; surety bonds by IRDAI-licensed insurers. We are a technology intermediary that standardizes data, surfaces competition and compresses turnaround time.

Who we serve

Small and mid contractors who depend on one or two banking relationships. Trade-finance and surety desks that want better origination data. Government departments and PSUs that need a live registry of instruments in their favour.

The core promise: smooth process, minimum paperwork, lowest achievable rate, and drastically lower TAT — powered by consent-based automation of every document that today moves as photocopies.

Want to partner, pilot or simply learn more?