Affinity · Lending & NBFCs
From credit-linked term to asset cover for collateral - Bharatsure helps lenders embed insurance at the moment of disbursal, protecting both the borrower and the book.
CREDIT SHIELD
Protects EMIs & collateral
SLA GUARANTEED
Claims settled in 20 days
Each product is embedded at the right trigger moment in your platform flow. We scope the exact configuration with you.
When a borrower dies, the outstanding loan balance is paid directly to the lender. The borrower's family inherits a debt-free estate. Practical for compliance with co-lending and MFI guidelines.
Explore more about Loan Protection TermProtects the collateral value of the loan - solar panels, vehicles, machinery - against fire, natural calamities and burglary. If the asset is destroyed, the lender's security is intact.
Explore more about Asset InsuranceCovers outstanding receivables when a B2B buyer defaults on payment. Relevant for NBFCs doing invoice discounting, supply chain finance and MSME co-lending.
Explore more about Trade Credit InsuranceProtects the borrower's repayment capacity in case of accidental disability or death. A low-cost add-on that reduces NPA risk on personal and two-wheeler loans.
Explore more about Personal AccidentDaily cash payout when the borrower is hospitalised - keeps EMI payments on track during recovery. Particularly relevant for personal loan and payroll-linked lending platforms.
Explore more about Hospital Daily CashFixed monthly payout for 3–6 months when a salaried borrower loses their job involuntarily. Protects EMI obligations during retrenchment.
Explore more about Job Loss Cover
Credit-Linked Life Insurance
Coverage
Embedded credit-linked life insurance configured around the partner's platform journey, with issuance, servicing and insurer coordination handled by Bharatsure.
500+
lives covered
Death claims settled within 20 days
Outcome
Capital protection for lender; borrower's family inherits a debt-free estate with no outstanding liability
How it embeds
A business owner takes a large loan and passes away unexpectedly, leaving their family with the debt and the lender's capital at risk. The credit-linked life cover pays the outstanding balance directly to the lender - the family inherits a debt-free estate and the lender's book is protected.
Solar Panel Cover
Coverage
Embedded solar panel cover configured around the partner's platform journey, with issuance, servicing and insurer coordination handled by Bharatsure.
2,500+
panels insured
20+
claims settled in record time
Outcome
Capital protection for lenders, lower portfolio risk, and a meaningful value-add that differentiates the loan product for borrowers
How it embeds
A storm in Rohtak destroys a solar panel installed on a borrower's rooftop - the same asset their loan financed. With EMIs still running and the panel unusable, the solar cover pays out to repair or replace it, protecting both the borrower and the lender's book.
Regulatory requirements vary by product type and lender category. Many lenders opt for soft-mandatory models - Bharatsure can help you structure what works for your loan book.
Yes. Asset insurance applies to secured loans with collateral; term and PA covers apply to unsecured personal and MSME loans.
Bharatsure's claims desk collects the required documentation, coordinates with the insurer and ensures the payout goes directly to the lender. Typical timeline: 20 days from claim filing.
Protect every loan you write - embed credit-linked term and asset cover on the collateral right at disbursal. Tell us your lending flow and we'll scope the covers that protect both your borrowers and your book, live in days.
