Every guarantee in your favour. One registry. Zero surprises.
Departments lose crores to expired, unverified and untracked guarantees. BharatFinancial gives you a live registry across every bank and insurer — with instant authenticity checks, expiry alerts and digital release & invocation.
What the registry does
Instant authenticity
Every instrument verified against NeSL / SFMS at intake. Fake-BG fraud eliminated before it reaches audit.
Zero lapsed guarantees
Automatic alerts before expiry, with extension workflows built in for contractors and issuers.
Audit-ready MIS
Across divisions, contractors and issuers — exportable for AG/CAG audit as XLSX or PDF.
Release & invocation
Digital release approval and structured invocation with evidence and authority workflow — no paper chase.
Built for executive engineers and accounts officers
- Search and filter every guarantee across issuers in one view.
- One-click authenticity verification; mismatches flagged immediately.
- Expiry dashboard for instruments within 30 and 60 days.
- Monthly MIS export ready for internal review and statutory audit.
Pilot pricing on request — first departments onboarded free for six months.
Request a pilot demoQuestions
How do you verify authenticity?
Every instrument is checked against NeSL / SFMS (and insurer registries where applicable) at intake. Mismatches are flagged before they reach audit.
Can we see guarantees issued outside BharatFinancial?
Yes. The registry is designed to hold instruments across banks and insurers — including those not originated on the platform — so you have one view of everything in your favour.
What happens before a guarantee expires?
Automatic alerts surface instruments within 30 and 60 days, with extension workflows to contractor and issuer so nothing lapses unnoticed.
Is this available now?
We are onboarding pilot departments. Request a demo and we will walk through the registry, verification and MIS export with your team. First pilot departments are free for six months.
Who issues the guarantees?
RBI-regulated banks and IRDAI-licensed insurers. BharatFinancial is a technology platform and registry — not a guarantor.