A smarter, capital-efficient alternative to traditional BGs.

Finance Doctors arranges IRDAI-approved Surety Bonds that replace conventional bank guarantees—freeing up cash margins and banking limits.

Why Surety Bonds?

• No collateral or cash margin
• Does not block CC/OD limits
• Faster, digital issuance
• Accepted by 80+ government departments

Types Offered

• Bid Bonds (EMD)
• Performance Guarantees
• Advance Payment / Mobilization Bonds
• Custom Trade Bonds

General Documents

KYC DOCUMENTS

(Applicants / Promoters / Directors / Partners)

• PAN Card (Self-attested)

• Aadhaar Card / Passport / Voter ID

• Mobile Number & Email ID (Linked with Aadhaar)

• Latest Electricity Bill / Utility Bill (Address Proof)

• Passport-Size Photographs

BANKING & CREDIT DOCUMENTS

• Bank Statements – Last 12 Months

  • Savings Account (Individuals / Salaried)

  • Current Account (Business Entities)

• CIBIL Report (Latest – Individual & Entity)

• Net Worth / Asset & Liability Statement (CA-Certified)

INCOME PROOF

A. Salaried Applicants

• Salary Slips – Last 3 Months

• Form-16 – Last 2 Years

B. Self-Employed / Business Owners

• Income Tax Returns with Computation – Last 3 Years

• Audited Financial Statements – Last 3 Years

C. Rental Income

• Registered Rent Agreement

• Rent Receipts / Bank Credit Proof

• Electricity Bill of Rented Property

D. Other Income

• Relevant Supporting Documentary Proof

EXISTING & CLOSED LOAN DETAILS

A. Running Loans

• Sanction Letter

• Latest Loan Statement

B. Closed Loans

• Loan Closure Letter / NOC

• Original Sanction Letter (If Available)

C. Balance Transfer (BT) / Takeover Cases

• Sanction Letter

• List of Documents (LOD)

• Foreclosure / Pre-Closure Letter

COLLATERAL SECURITY DOCUMENTS

(If Applicable)

• Complete Property Title Chain Documents

• Latest Electricity Bill

• Approved Building Plan / Layout Map

• Property Tax Paid Receipt

• Encumbrance / Mortgage Details

• List of Documents (LOD) (If Property Already Mortgaged)

Product Specific Documents Required for Surety Bonds

• Tender / Contract Copy
• Project Award Letter
• Beneficiary-prescribed Bond Format
• Financial Statements

Product Specific Documents Required for BG

• BG Format (as prescribed by beneficiary)
• Work Order / Contract Copy
• Past BG Track Record
• Audited Financials – Last 3 years
• Collateral Details (if secured)