Your Capital is Locked.
Our Bonds Set It Free.

Surety Bonds free up 20-50% of your working capital—so you can bid for growth, not wait for guarantees. Same protection. Zero collateral.

Calculate Your Savings
Partnered with India's Leading Insurers:
Top Insurance Companies

Which Construction Leaders Need Surety Bonds?

If you're bidding on projects, signing contracts, or guaranteeing performance—this is your solution.

₹2-5 Crores Locked Per Project

20-50% of contract value frozen in bank guarantees. Money that could fund your next project sits idle in collateral.

2-4 Weeks Waiting Period

While you wait for bank guarantees, competitors are bidding. Speed is the competitive advantage you're giving away.

Credit Lines Exhausted

Bank guarantees consume your borrowing capacity. You're paying for permission to bid, not permission to build.

What is a Surety Bond?

You don't need collateral to get guaranteed. You just need track record.

Bank Guarantee

Collateral: 20-50% required
Processing: 2-4 weeks
Credit Impact: Blocks capacity
Assessment: Financial only

Surety Bond

Collateral: 0-5% required
Processing: 3-5 days
Credit Impact: No impact
Assessment: Track record + capability

How It Works

1. You (Contractor)

Approach us for surety bond requirement

2. Insurer

We partner with insurance company to assess and issue bond

3. Project Owner

Receives same guarantee—your capital stays free

The ₹10 Crore Reality Check.

A bank guarantee looks simple on paper. But the hidden costs don't follow the script. Here's what ₹10 crores really costs you.

Bank Guarantee Path

Contract Value: ₹10 crores
Collateral Locked: ₹2.5 crores
Processing Time: 3 weeks
Annual Interest: ₹15 lakhs
Credit Line Used: ₹2.5 crores
New Projects: 0

Surety Bond Path

Contract Value: ₹10 crores
Collateral Locked: ₹0
Processing Time: 4 days
Annual Premium: ₹20 lakhs
Credit Line Used: ₹0
New Projects: 2-3 possible
The Critical Question: What could you build with ₹2.5 crores of freed capital?

Which Industries Can Use Surety Bonds?

Construction & EPC

Bid for multiple projects simultaneously without capital constraints

Highway & Infrastructure

NHAI and MoRTH actively accepting surety bonds

Power & Renewable Energy

Secure large-scale projects without freezing working capital

Real Estate

Maintain liquidity while guaranteeing project completion

Government Suppliers

Meet mandatory requirements without heavy collateral

Types of Surety Bonds

Bid Bond

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Guarantees you'll honor your bid if selected. Protects project owners from contractors who withdraw after winning bids.

Performance Bond

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Ensures project completion as per contract terms. The most common type for construction projects.

Advance Payment Bond

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Protects advance payments made by project owners. Ensures proper fund utilization.

Retention Money Bond

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Replaces 10-20% retention typically held back. Frees this capital immediately upon delivery.

Maintenance/Warranty Bond

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Covers defects during warranty period after delivery. Typically 1-2 years post-completion.

The Market is Moving. Are You?

₹3L Cr
Market by 2030

Projected bank guarantee market

<1%
Current Adoption

Massive first-mover advantage

100x
Growth Expected

In next 18-24 months

164
NHAI Bonds

Already accepted for highways

Calculate Your Savings

₹10 Crores
4 Projects
25%
Capital Freed Annually: ₹10 Cr
Additional Projects Possible: 2-3
Estimated Annual Savings: ₹25L
Schedule a Free Consultation

Your Questions. Answered.

Can bank guarantees be replaced with surety bonds?

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Yes. Surety bonds require no collateral, improve liquidity, and offer financial flexibility. They're underwritten based on creditworthiness and performance history rather than requiring assets to be frozen.

Which organisations accept surety bonds in India?

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NHAI, CSIR, EPIL, GAIL India, RITES, NPCIL, and CPWD all accept surety bonds. The list is expanding rapidly across public sector infrastructure projects.

Which law allowed surety bonds in India?

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The Ministry of Finance amended the General Financial Rules (GFR), 2017 on February 2, 2022 (Notification No.F.1/1/2022-PPD), including surety bonds as valid security for bid and performance guarantees.

What are the typical rates for surety bonds?

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Rates vary based on your company's financial health, project value and tenure, company age, and credit score. Established companies with strong financials typically enjoy better rates.

When was the first surety bond issued in India?

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December 19, 2022. The launch was marked by Union Minister Nitin Gadkari, representing a pivotal moment in India's infrastructure financing.

What documents are required for surety bonds?

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Corporate presentation, key personnel list, KYC documents (GST, PAN, incorporation certificate), 5 years audited financials, projected financials, completion certificates, work orders, sanction letters with fund limits, proposal form, and tender/LOA copy.

How long does it take to get a surety bond?

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With digital underwriting and complete documentation, 3-5 days vs 2-4 weeks for traditional bank guarantees.

Your Next Project Shouldn't Wait
for a Guarantee.

Join forward-thinking contractors who are freeing up capital and winning more bids with surety bonds.

Or call us directly at +91 7559 755 957