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Formats  › Tendering & Contracts  › Financial Bid —
Form · FMT-TND-004

Financial Bid — Percentage Rate

6 fields across 4 sections. Alternative to item-rate format — single % applied across all BOQ items. CPWD allows; many PWDs prefer this.
6 Fields
4 Sections
Per tender
Tender Manager

Format Preview

S.No.Field / CheckpointReferenceStatus
A. TENDER REFERENCE
A1NIT number + estimated cost put to tender
Acceptance: Exact match
As per NIT
OK
NC
NA
A2Bidder details + EMD
Acceptance: EMD original enclosed
Per NIT
OK
NC
NA
B. PERCENTAGE QUOTED
B1Overall percentage above / below estimated cost (figures + words)
Acceptance: % in figures and words match
Single number applies to all items (per CPWD Para 27)
OK
NC
NA
B2Computation example — estimated × (1 + %)
Acceptance: Total amount derivable
Arithmetic check
OK
NC
NA
C. ITEM-WISE DERIVED RATES (if required)
C1Quoted % applied to each estimated item rate
Acceptance: Same % applied uniformly
Optional working sheet
OK
NC
NA
Showing 5 of 6 fields ·
A. TENDER REFERENCE
A1NIT number + estimated cost put to tender
As per NIT
Exact match
OKNCNA
A2Bidder details + EMD
Per NIT
EMD original enclosed
OKNCNA
B. PERCENTAGE QUOTED
B1Overall percentage above / below estimated cost (figures + words)
Single number applies to all items (per CPWD Para 27)
% in figures and words match
OKNCNA
B2Computation example — estimated × (1 + %)
Arithmetic check
Total amount derivable
OKNCNA
C. ITEM-WISE DERIVED RATES (if required)
C1Quoted % applied to each estimated item rate
Optional working sheet
Same % applied uniformly
OKNCNA
Showing 5 of 6 ·
Approval / Sign-Off
APPROVED
HOLD — REVISIONS REQUIRED
REJECTED
Overall Verdict
Name / Sign / Date
Prepared By — Name / Sign
Name / Sign / Date
Reviewed By — Name / Sign
Name / Sign / Date
Approved By — Name / Sign
Name / Sign / Date
Date & Time
Name / Sign / Date
Remarks
Name / Sign / Date

Engineer's Notes — Financial Bid — Percentage Rate

Why the Financial Bid (Percentage Rate) matters

The Percentage Rate Bid is the most common Indian government tendering format. The client provides a schedule of quantities with their own estimated rates (called 'Estimated Rates' or 'Plinth Rates'); the contractor bids a single percentage — typically 'at par', 'X% above', or 'X% below' the estimated rates. The contract value = Estimated Total × (1 + bid percentage).

Advantages: simple comparison across bidders; faster evaluation; eliminates BOQ-level rate manipulation. Disadvantages: contractor cannot vary rates by item (e.g., low rate on excavation, high on finishing); estimated rates may not reflect actual costs.

Used extensively by CPWD, state PWDs, MES, Railways, Municipal Bodies for routine civil works. Tender amount + contract structure depends on whether bid is above or below estimated rate.

How the bid is structured

Bid components: - Estimated cost by client (e.g., ₹10 crore) - Contractor's bid percentage (e.g., '5% below', '12% above', 'at par') - Resulting contract value (₹9.5 crore at 5% below; ₹11.2 crore at 12% above) - Earnest Money Deposit (EMD) — typically 1-2% of estimated cost - Bid validity period — typically 90-180 days - Performance Bank Guarantee — typically 5-10% of contract value, payable on award

Tender evaluation: 1. Technical Bid review — qualifying criteria check 2. Financial Bid opening — only for technically qualifying bidders 3. L1 (lowest) declared — bid with lowest percentage (most negative or least positive) 4. L1 verification — abnormally low bids investigated (avoid loss-making contractors) 5. Letter of Award (LOA) issued to L1

Common Indian variations: - Item Rate Bid — contractor bids different rates per BOQ item - Lump Sum Bid — total fixed amount for entire scope - Cost Plus Bid — actual cost + agreed margin - Percentage Rate Bid (this) — single percentage applied to estimated schedule

Common percentage-rate bid issues

1. Estimated rates outdated — client's Schedule of Rates 1-2 years old; actual market 20-30% higher; bidder needs significant positive percentage to break even. 2. Abnormally low bid — contractor bids 30%+ below to win; cannot perform; project delays + claims emerge. 3. Below cost — bidder underestimates own cost; loses money throughout project. 4. Government estimate too high — bid percentage seems acceptable but actual rates inflated; budget overrun. 5. EMD issues — bidder doesn't pay EMD; bid disqualified. 6. Bid validity expires — client takes too long to evaluate; bid expires; contractor declines to extend. 7. Sub-contractor pricing not factored — contractor's bid assumes own execution; later sub-contracts at higher rates; loss. 8. No escalation provision — fixed-rate contract over long period; material costs escalate; contractor squeezed. 9. No bill-of-quantity verification — actual quantities differ from BOQ; contractor + client argue at billing.

Cross-references

Companion formats: - Letter of Award (FMT-TND-014) — contract award - Performance BG Submission (FMT-TND-015) — post-LOA BG - Deviation Sheet Commercial (FMT-TND-012) — terms negotiations - Deviation Sheet Technical (FMT-TND-011) - Mobilisation Advance Request (FMT-TND-016)

Indian government procurement: - GFR (General Financial Rules) 2017 — government procurement framework - Manual for Procurement of Works 2022 (CPWD) — tendering protocols - NHAI / MoRTH standard bid documents — sector-specific - Public Procurement (Preference to Make in India) Order 2017 — domestic-preference provisions