{"uin":"IRDAN144CPSU0004V01202526","name":"Surety Bond Bima","url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Surety Bond Bima is a surety insurance product covering the Beneficiary against the Insured’s inability or failure to fulfil contract or tender terms within the agreed period. It is issued as one of four bond types: Bid Bond, Advance Payment Bond, Performance Bond, or Retention Money Bond.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:42:46.292198+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Bid Bond","Advance Payment Bond","Performance Bond","Retention Money Bond"],"display":"Bid Bond, Advance Payment Bond, Performance Bond, Retention Money Bond","note":"The wording calls these bond types; the applicable bond type is stated in the Schedule.","quote":"There are 4 Types of Bonds available under Surety Bond Bima. These are mentioned as below;\n~ 2 ~\n1. Bid Bond\n2. Advance Payment Bond\n3. Performance Bond\n4. Retention Money Bond","sources":[{"clause":"4","heading":"COVERAGE","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-4"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The bond period runs from the date the Surety Bond comes into force until expiry of the Bond or the claim period, whichever is later. It may be extended with approval of both the Surety and the Beneficiary and payment of premium for the extension.","display":"From commencement until expiry of the Bond or claim period, whichever is later; extendable with approval and premium payment","note":null,"quote":"The bond period refers to the duration of the Surety Bond, commencing from the date it comes into force and continuing until the expiry of this Bond or claim period, whichever is later. ... The bond period may be extended with the approval of both the Surety and the Beneficiary, upon receipt of the premium payment of premium for the duration of the extension.","sources":[{"clause":"7.1","heading":"The bond period","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-7-1"},{"clause":"7.2","heading":"The bond period may be extended with the approval of both the Surety and the","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-7-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For Advance Payment and Performance Bonds, a written claim containing particulars of the breach must be made before Expiry. For Retention Money Bond, the Beneficiary’s notice in writing must be received within thirty (30) days from the expiry of the Bond, or within the claim period specified in the Bond; the Insured must immediately notify events that could lead to a bond call.","display":"Before Expiry for Advance Payment and Performance Bonds; within thirty (30) days from expiry or the specified claim period for Retention Money Bond","note":"The Bid Bond wording refers to first written demand during the Bid Bond validity framework but does not state a separate general claim intimation period.","quote":"a claim in writing, containing particulars of such breach, has been made by the Beneficiary to the Surety before Expiry. ... a claim in writing containing particulars of such breach has been made upon the Surety before Expiry. ... being received by the Surety within thirty (30) days from the expiry of this Bond, or a claim period as specified in the Bond. ... The Insured shall immediately notify the Surety upon any event or circumstances that could materially affect the completion of the work and could potentially lead to a bond call.","sources":[{"clause":"4","heading":"Whether or not this Advance Payment Bond shall be returned to the Surety, the","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-4-3"},{"clause":"2","heading":"The maximum aggregate liability of the Surety and the Contractor under this","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-2-4"},{"clause":"D","heading":"RETENTION MONEY BOND","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-d"},{"clause":"10.2","heading":"The Insured shall immediately notify the Surety upon any event or circumstances that","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-10-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["written invocation of the Surety Bond","all evidence of the alleged breach of the Contract, including technical reports and correspondence by the Contractor regarding the notice of breach","all required documents and the original Bond issued by the Surety","claim in writing containing particulars of such breach"],"display":"Written invocation, evidence of breach including technical reports and Contractor correspondence, required documents, original Bond, and claim particulars","note":"The listed documents are stated across the bond and claims clauses; exact requirements depend on the bond type.","quote":"Upon receipt of a written invocation of the Surety Bond from the Beneficiary, the Surety shall initiate the claims process. ... all evidence of the alleged breach of the Contract, including technical reports and correspondence by the Contractor regarding the notice of breach, which have been submitted to the Surety. ... Upon the receipt of all required documents and the original Bond issued by the Surety ... a claim in writing containing particulars of such breach has been made upon the Surety before Expiry.","sources":[{"clause":"9.2","heading":"Upon receipt of a written invocation of the Surety Bond from the Beneficiary, the Surety","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-9-2"},{"clause":"1.3","heading":"The Beneficiary has notified the Surety of such breach and has provided all","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-1-3-2"},{"clause":"1.4","heading":"Upon the receipt of all required documents and the original Bond issued by the","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-1-4-2"},{"clause":"2","heading":"The maximum aggregate liability of the Surety and the Contractor under this","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-2-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For a Bid Bond, the Surety undertakes to immediately pay the Bond value to the Beneficiary upon the first written demand by the Beneficiary, if the demand states the relevant event.","display":"Bid Bond: immediately upon the first written demand by the Beneficiary","note":"No fixed number of days is stated for settlement under the other bond types.","quote":"Then, the Surety undertakes to immediately pay the Bond value to the Beneficiary upon the first written demand by the Beneficiary, provided that in its demand, the Beneficiary states that the demand arises from the occurrence of any of the above events, specifying which event(s) has occurred.","sources":[{"clause":"1.2","heading":"Upon having been notified of the acceptance of its Bid by the Beneficiary during","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-1-2-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["The Original Tender / Contract executed between the Insured and the Beneficiary has not been established, or is invalid, cancelled or terminated prior to the occurrence of the Insured Risks occur.","Intentional misconduct, gross negligence, or any illegal or criminal acts committed by or between the Beneficiary and Insured.","The Insured maliciously colludes with the beneficiary to violate the contract.","General exclusions, including but not limited to war, nuclear risks, pollution, acts of God, force majeure, or administrative and judicial actions arising from causes other than the Insured risks.","Non-performance or non-fulfilment of the terms and conditions of the contract arising from any law for the time being in force, under which the Insured is relieved of the obligation to perform the underlying contract, whether expressly, impliedly, through conduct, or otherwise.","Non-performance or non-fulfilment of the terms and conditions of the contract arising from or due to a delay in obtaining permissions or approvals from any statutory, regulatory, or judicial authority, or from the Beneficiary, relating to the execution of the Project.","Non-performance or non-fulfilment of the terms and conditions of the contract arising from or due to the withdrawal of permissions or approvals by any statutory, regulatory, or judicial authority during the execution of the contract.","Non-performance or non-fulfilment of the terms and conditions of the contract arising from or due to delay in the payments of outstanding amounts or receivables due to the Insured by the Beneficiary.","Any expenses incurred by the Beneficiary in collecting, confirming, or proving that the Insured has breached the contract, resulting in claims.","Any legal cost or expenses incurred in litigation, arbitration, or execution by the Beneficiary to collect, confirm, or prove that the Insured failed to perform its contractual obligation.","Any third-party loss or claim is excluded and does not form part of this Bond.","Surety bonds that do not have a defined limitation on time or amount."],"display":"Invalid or cancelled contract, misconduct or collusion, war/nuclear/pollution/acts of God/force majeure, legal or approval-related non-performance, payment-delay causes, collection and legal costs, third-party loss, and bonds without time or amount limits","note":null,"quote":"The Original Tender / Contract executed between the Insured and the Beneficiary has not been established, or is invalid, cancelled or terminated prior to the occurrence of the Insured Risks occur. ... Intentional misconduct, gross negligence, or any illegal or criminal acts committed by or between the Beneficiary and Insured. Criminal acts shall not render the bond payable and shall fall outside the scope of the insured risks. ... The Insured maliciously colludes with the beneficiary to violate the contract. ... General exclusions, including but not limited to war, nuclear risks, pollution, acts of God, force majeure, or administrative and judicial actions arising from causes other than the Insured risks. ... Non-performance or non-fulfilment of the terms and conditions of the contract arising from any law for the time being in force, under which the Insured is relieved of the obligation to perform the underlying contract, whether expressly, impliedly, through conduct, or otherwise. ... Non-performance or non-fulfilment of the terms and conditions of the contract arising from or due to a delay in obtaining permissions or approvals from any statutory, regulatory, or judicial authority, or from the Beneficiary, relating to the execution of the Project. ... Non-performance or non-fulfilment of the terms and conditions of the contract arising from or due to the withdrawal of permissions or approvals by any statutory, regulatory, or judicial authority during the execution of the contract. For the avoidance of doubt, any legislative changes resulting in the withdrawal of any permission or approval shall also be included. ... Non-performance or non-fulfilment of the terms and conditions of the contract arising from or due to delay in the payments of outstanding amounts or receivables due to the Insured by the Beneficiary. ... Any expenses incurred by the Beneficiary in collecting, confirming, or proving that the Insured has breached the contract, resulting in claims. ... Any legal cost or expenses incurred in litigation, arbitration, or execution by the Beneficiary to collect, confirm, or prove that the Insured failed to perform its contractual obligation. ... Any third-party loss or claim is excluded and does not form part of this Bond. ... Surety bonds that do not have a defined limitation on time or amount.","sources":[{"clause":"5.1","heading":"The Original Tender / Contract executed between the Insured and the Beneficiary","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-1"},{"clause":"5.2","heading":"Intentional misconduct, gross negligence, or any illegal or criminal acts committed by","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-2-2"},{"clause":"5.3","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-3"},{"clause":"5.4","heading":"General exclusions, including but not limited to war, nuclear risks, pollution, acts of","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-4"},{"clause":"5.5","heading":"Non-performance or non-fulfilment of the terms and conditions of the contract arising","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-5"},{"clause":"5.6","heading":"Non-performance or non-fulfilment of the terms and conditions of the contract arising","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-6"},{"clause":"5.7","heading":"Non-performance or non-fulfilment of the terms and conditions of the contract arising","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-7"},{"clause":"5.8","heading":"Non-performance or non-fulfilment of the terms and conditions of the contract arising","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-8"},{"clause":"5.9","heading":"Any expenses incurred by the Beneficiary in collecting, confirming, or proving that the","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-9"},{"clause":"5.10","heading":"Any legal cost or expenses incurred in litigation, arbitration, or execution by the","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-10"},{"clause":"5.11","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-11"},{"clause":"5.12","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-5-12"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The grievance route is to register through Bima Bharosa, or directly write to Head – Customer Care. If not satisfied or no response is received within 7 days, escalate to the Grievance Redressal Officer, and after that to the Insurance Ombudsman.","display":"Bima Bharosa or Head – Customer Care first; then GRO if unresolved or no response within 7 days; then Insurance Ombudsman","note":"Head – Customer Care email is head.customercare@sbigeneral.in and GRO email is gro@sbigeneral.in.","quote":"You can register Your grievances with the regulator using the following link: https://bimabharosa.irdai.gov.in/Home/Home. ... Alternatively, if You wish to register Your grievances directly with us, You may write to the Head – Customer Care. We aim to respond to all Grievances within 7 days. ... you may escalate the matter to the Grievance Redressal Officer (GRO) ... If You feel that the response to Your Grievance was unsatisfactory, or if You believe Your concerns have not been adequately addressed by the Company, You may escalate the matter to the Insurance Ombudsman.","sources":[{"clause":null,"heading":"Stage 1: Bima Bharosa","page":14,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-stage-1-bima-bharosa"},{"clause":null,"heading":"Stage 2: Head – Customer Care","page":14,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-stage-2-head-customer-care"},{"clause":null,"heading":"Stage 3: Grievance Redressal Officer (GRO)","page":15,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-stage-3-grievance-redressal-officer-gro"},{"clause":null,"heading":"Stage 4: Escalation to Insurance Ombudsman","page":15,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-stage-4-escalation-to-insurance-ombudsman"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["the Insured’s inability or failure to fulfil the terms and conditions within the agreed period","Non-fulfilment, non-performance of obligations or breach of terms and conditions stipulated in the Tender","Non-fulfilment, non-performance of obligations or breach of terms and conditions stipulated in the original contract"],"display":"Insured’s inability or failure to fulfil contract or tender terms within the agreed period, depending on bond type","note":"Bid Bond uses the Tender wording; Advance Payment Bond, Performance Bond and Retention Money Bond use the original contract wording.","quote":"the Surety agrees to indemnify the Project Owner/Developer (hereinafter referred to as the “Beneficiary”) against the Insured’s inability or failure to fulfil the terms and conditions within the agreed period (hereinafter referred to as “Insured Risks”), as set out under the original contract between the Insured and the Beneficiary. ... Non-fulfilment, non-performance of obligations or breach of terms and conditions stipulated in the Tender released by the Beneficiary and limited to the value of bid bond issued in relation to the Tender mentioned in the Policy Schedule. ... Non-fulfilment, non-performance of obligations or breach of terms and conditions stipulated in the original contract between the Insured and the Beneficiary and limited to the value and type of Bond issued in relation to the Contract / Tender mentioned in the Policy Schedule.","sources":[{"clause":"2","heading":"OPERATIVE CLAUSE","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-2"},{"clause":"3.1","heading":"For Bid Bond","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-3-1"},{"clause":"3.2","heading":"For Advance Payment Bond, Performance Bond, Retention Money Bond","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-3-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":"The wording states cancellation by the Surety only with Beneficiary consent and says the premium is non-refundable in that case; it does not state cancellation by the Insured or refund on cancellation by the Insured.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"No claim is payable unless the cause of action arises in India, and Indian law governs the action.","display":"Cause of action must arise in India; Indian law applies","note":null,"quote":"No claim shall be payable under this Policy unless the cause of action arises in India. It is further agreed and understood that Indian law shall govern any such action.","sources":[{"clause":"13","heading":null,"page":13,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-13"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers the Beneficiary against the Insured’s inability or failure to fulfil the terms and conditions within the agreed period, as set out in the original contract between the Insured and the Beneficiary.","display":"Beneficiary’s exposure to the Insured’s inability or failure to fulfil contract terms within the agreed period","note":null,"quote":"the Surety agrees to indemnify the Project Owner/Developer (hereinafter referred to as the “Beneficiary”) against the Insured’s inability or failure to fulfil the terms and conditions within the agreed period (hereinafter referred to as “Insured Risks”), as set out under the original contract between the Insured and the Beneficiary.","sources":[{"clause":"2","heading":"OPERATIVE CLAUSE","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15003#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Surety Bond Bima Conditional Policy Wordings","pages":6,"fetched_at":"2026-10-16 04:24:06+00","source_url":"https://content.sbigeneral.in/uploads/SBI_General_Surety_Bond_Bima_Conditional_Wording_1496709bd0.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/14998"},{"kind":"wording","label":"Surety Bond Bima Unconditional Policy Wordings","pages":6,"fetched_at":"2026-10-16 04:24:14+00","source_url":"https://content.sbigeneral.in/uploads/SBI_GENERAL_SURETY_BOND_BIMA_UN_CONDITIONAL_Wording_8681eb3198.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526/document/15001"},{"kind":"wording","label":"Surety Bond Bima Unconditional Policy Wording - 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We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.sbigeneral.in/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Surety Bond Bima (UIN IRDAN144CPSU0004V01202526), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/surety-bond-bima-irdan144cpsu0004v01202526"}