Guarantees that move at the speed of your tenders.
Sign up once, get a BondScore, and broadcast a request. Banks and insurers respond with real offers on rate, margin and TAT. Free for contractors — forever.
What you get
Banks and insurers bid for you
One request, multiple binding offers. Members save an average 0.9% p.a. versus single-bank relationships — ₹90,000 a year on every ₹1 crore of guarantees.
Days, not weeks
Median 4 working days end-to-end. EMD and bid securities as fast as 48 hours. Every offer shows the institution’s committed TAT.
Free your working capital
Insurance surety bonds need no cash margin or FD. Keep capital in projects — not locked as security with a single bank.
No photocopies
Consent-based fetch of GST, bank statements, ITR and bureau data. Upload only work orders; the rest is digital from the source.
BG and surety, side by side
We check whether your beneficiary accepts surety bonds and show both instrument types priced together — rate, margin, collateral, TAT.
Every instrument, one place
Track live guarantees, get expiry alerts at T-60/30/7, and request renewals, amendments or releases without chasing branches.
Instruments we cover
Bid security / EMD
Fast turnaround so tender deadlines don’t slip. Often issued within 48 hours.
Performance BG
Typically 3–10% of contract value. Compare rate and margin across issuers.
Advance payment & retention
APBG and retention guarantees with the same digital flow and tracking.
Insurance surety bonds
IRDAI-regulated alternatives with zero cash margin where departments accept them.
Free. Forever.
Signup, BondScore, unlimited requests, offer comparison, tracking and alerts — ₹0. You pay only your issuer’s commission and statutory charges, exactly as quoted in the offer. No platform markup. No hidden fees. We earn a success fee from institutions only when you get your guarantee.
Talk to usQuestions
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.
What is a BondScore?
Our 0–100 rating computed from your consented GST, banking, financial and bureau data plus order book. It is free, refreshed quarterly, and you see it before anyone else does.
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.
Is my data safe? Who sees what?
Data is fetched only with your explicit consent, encrypted, and shared with institutions only as an anonymized profile (score, bands, request details). Your identity and documents go only to the single institution you accept. You can revoke consents anytime; we comply with the DPDP Act 2023.
Does the credit bureau check hurt my score?
No. We use a soft enquiry for pre-offers. A full enquiry happens only after you accept an offer, by that institution, as in any normal sanction.
What if I already have BG limits with my bank?
Great — upload your sanction letter. Institutions on BharatFinancial often beat existing pricing, and we support limit takeovers.
What is an e-BG?
An electronic bank guarantee issued on NeSL’s platform, instantly verifiable by your department online — no courier, no fake-BG risk.
Can I track guarantees not issued via BharatFinancial?
Yes. Add legacy instruments manually to the dashboard and get the same expiry alerts and renewal workflows.
My request got no offers. What now?
Rare, but if your score is below institutional appetite we tell you exactly why (e.g. bureau flags, filing gaps) and what to fix, and re-broadcast free when you’re ready.