Your enquiry is with the underwriting desk.

Thank you. A Rakshati underwriting RM has your tender brief and is preparing your indicative quote. Within four working hours, you'll have an indicative rate band, panel availability, and the document checklist for your file. Here's exactly what happens next.

1. Indicative quote ≤ 4h

   Your RM replies on WhatsApp with an indicative rate band based on bond type, tenure, sector and your stated bond value. No commitment required from you yet.

2. Document checklist same reply

   Company KYC, last 2 years' audited financials, current-year provisional, last 3 years' work-order list, GST returns, the tender document, and the obligee's bond format. Most of this is already in your dashboard.

3. Scorecard run ≤ 48h

   Once your file is complete, the underwriting model runs your contractor scorecard across five dimensions — financial strength, track record, project risk, WIP capacity, compliance.

4. RFQ broadcast to the panel ≤ 24h

   One click sends the same RFQ file simultaneously to all 15 panel insurers — Bajaj Allianz, ICICI Lombard, HDFC ERGO, Tata AIG and others. SLAs start.

5. Quotes back & bound 2–5 days

   Quotes return inside SLA. We surface them on one sheet — rate, exclusions, capacity. You pick. We bind. E-stamped bond delivered to your file with originals couriered within 48 hours.