Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
High LTV
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
An Aditya Birla Capital construction equipment loan helps you buy machines like excavators, backhoe loaders, wheel loaders and cranes — new or pre-owned. Aditya Birla Capital is an NBFC, so its terms are flexible: interest is variable, usually between 7.5% and 30% a year based on your profile, and in many cases no extra collateral is needed since the loan can rest on your credit score. It offers high LTV, fixed EMIs once your rate is set, and repayment shaped to your cash flow. Contractors, builders, logistics firms and SMEs can apply. Tell us your machine and city and the Desi Machines finance desk will help you get moving.
Not every lender in India is a bank, and that is a good thing for people buying machines. Aditya Birla Capital (ABC) is one of the country’s well-known non-banking finance companies. It was set up in October 2007 and got its RBI registration in May 2009, and it sits inside the large Aditya Birla group that also runs insurance, mutual funds and other money services. Because it is an NBFC, its outlook is a bit more flexible than a traditional bank, which often helps a contractor who is buying his first or second machine.
An Aditya Birla Capital construction equipment loan is simply money to buy the machine you need to work. You earn with the machine and pay the loan back in small monthly instalments (EMIs) from that income. One thing many buyers like here: ABC does not always ask for extra property as security. In several cases the loan is sanctioned on the strength of your credit score, so you don’t have to pledge your house or land. If your own income falls a little short, you can club in a co-applicant’s income to lift your eligibility.
What can you put on finance? Most machines that do honest work on a site — excavators, backhoe loaders, wheel loaders, cranes, motor graders, transit mixers, earthmovers, diesel generators, compressors and material-handling gear. New machine or a solid second-hand one, ABC funds both, with high LTV so a big share of the price is covered by the loan.
On rates, ABC works with variable interest that runs anywhere from 7.5% to 30% a year — where you land depends on the machine, the tenure you pick and your credit record. Once fixed for the loan, your rate stays the same, so the EMI does not jump around month to month, and repayment can be shaped around how your cash flow moves through the year. In short, you take the machine now, keep your own cash free for diesel, wages and site costs, and let the machine slowly pay for itself. Want to weigh other lenders first? You can compare Axis Bank and Shriram Finance on our finance page before you decide.
Loan amounts, interest rates and tenures shown here are indicative and are decided by Aditya Birla Capital based on your profile. Please confirm the latest terms with the company or our finance desk before you apply.
Aditya Birla Capital provides loans with interest rates that vary from 7.5% to 30%. Depending on the type of loan, tenure, and credit score, the interest rates vary.
The repayment options can be customized in terms of disbursal, affordable EMIs, or desired tenure according to the suitability of the customer.
In ABC, there is no security deposit or collateral is required for the sanction of loans. One can avail of a loan on the basis of their credit score.
The applicant can merge the income of the co-applicant to increase the credit limit and eligibility.
This facility is very helpful when one member is not eligible for the desired loan amount.
The interest rates remain unchanged throughout the loan tenure. So the monthly EMIs remain constant.
Loans cover various construction and infrastructure machinery, along with credit life protection options, ensuring financial peace of mind during unforeseen events.
Wondering what your monthly EMI will be? Move the sliders below and it shows up on its own. As an illustration, on a ₹30 lakh loan at around 12% for 4 years, the EMI comes to roughly ₹79,000 a month. Change the amount, the down payment or the tenure and the figure updates by itself — no maths needed. Want the exact number for your case? Send us the details and we’ll confirm it with Aditya Birla Capital.
You do not need to run a big firm to qualify. Aditya Birla Capital lends to contractors, infrastructure developers, builders, logistics providers and SMEs who use equipment in their work. The main things it looks at are simple: do you own a registered business, is there steady income to cover the EMI, and is your repayment record sound? Because ABC often skips collateral and lets you club a co-applicant’s income, first-time buyers stand a fair chance too. Not sure whether you fit? Just talk to our team at +91 90 5147 5147 — we check for you before you spend time on paperwork.
Aadhaar, PAN card, passport, or driving license is required for identity verification.
Valid documents like utility bills, passport, Aadhaar, or voter ID with current address.
Last three months' salary slip, in case of a salaried employee, in case of entrepreneurs' financial ITRs, or bank statements to establish financial viability for equipment finance.
A proforma invoice or valuation certificate for new or used construction equipment is required.
Bank statement for the last three months. Any registered bank’s statement can be used.
For self-employed individuals or businesses, a GST certificate, a trade license, a firm registration, or a partnership deed is required.
Applying does not have to be confusing, and you don’t have to sort it out on your own. You pick the machine, our team handles the finance paperwork, and Aditya Birla Capital does the approval. That’s the whole path from “I need a machine” to “keys in hand”. Call Desi Machines on +91 90 5147 5147 or write to hello@desimachines.com, and a clean file usually moves in just a few working days.
Explore a wide range of construction and heavy machinery from India’s top brands like CAT, Komatsu, JCB, Tata Hitachi, CASE, and more—all in one place.
Select the equipment model that best fits your project requirement, budget, and usage type—whether it’s for earthmoving, road work, mining, or lifting.
Fill out a quick enquiry form or connect via call, WhatsApp, or email. Desi Machines helps you apply for Machinery Loans or Finance for Machinery with fast approvals.
Aditya Birla Capital’s UDYOG PLUS Business Loan – typically used for equipment financing – offers interest rates ranging from 22 % to 30 % p.a.
Yes. UDYOG PLUS is a collateral-free MSME loan, so small business owners can finance construction machinery without pledging assets.
Salaried individuals must submit salary slips, Form 16, and bank statements, while self-employed applicants need ITRs, CA-certified income statements, and bank statements.
Self-employed: last 2 years’ IT returns, CA‑certified income statements, bank statements.
Public information primarily references new equipment financing, although details on used equipment eligibility are not specified. For used machinery, eligibility may depend on asset condition and internal policy—verify directly with ABCL.
UDYOG PLUS loans offer tenures from 12 to 36 months, suitable for short‑ to mid‑term equipment financing.
The loan is available to MSMEs and SMEs purchasing equipment, with applicants required to have a stable cash flow and a good credit score, and the loan amount ranging from ₹1 lakh to ₹10 lakhs.
While standard business loans permit co-applicants to boost eligibility, specific rules depend on ABCL’s underwriting policy. Check with ABCL directly or via your platform to confirm.
Yes. UDYOG PLUS includes flexible repayment schedules via ECS mandates. Foreclosure after 12 months incurs a charge of 4 % + GST, with 3 % per month as late payment penalties.
Construction-related equipment—like earth augers, excavators, mini mixers, and compactors—qualify under UDYOG PLUS loans, which are tailored for CAPEX needs such as machinery purchase.
Check Aditya Birla Capital equipment finance and loan options across all major cities in India including Mumbai, Pune, Kolkata, Hyderabad, Chennai, Bengaluru, Delhi, Ahmedabad, Indore, Jaipur, Guwahati, and 600+ more locations.
Mumbai
Pune
Nagpur
Navi Mumbai
Thane
Nashik
Aurangabad (Chhatrapati Sambhajinagar)
Solapur
Kolhapur
Amravati
Chandrapur
Yavatmal
Latur
Dhule
Ahmednagar
Jalgaon
Raigad
Beed
Wardha
Palghar
Sangli
Ratnagiri
Satara
Nanded
Akola
Buldhana
Ahmedabad
Gandhinagar
Surat
Vadodara
Rajkot
Bhavnagar
Jamnagar
Mundra
Kutch
Vapi
Anand
Mehsana
Morbi
Surendranagar
Amreli
Bharuch
Navsari
Dahej
Alang
Dholera
Gandhidham
Panaji
Vasco da Gama
Margao
Calangute
Mormugao
Chennai
Coimbatore
Madurai
Tiruchirappalli
Hosur
Salem
Tirunelveli
Vellore
Erode
Thoothukudi
Neyveli
Cuddalore
Virudhunagar
Dharmapuri
Krishnagiri
Thanjavur
Tiruppur
Kancheepuram
Ranipet
Chengalpattu
Kanyakumari
Bengaluru
Mysuru
Hubballi-Dharwad
Belagavi
Mangaluru
Davanagere
Ballari
Hospet
Tumakuru
Shivamogga
Chitradurga
Raichur
Kolar
Hassan
Hoskote
Doddaballapura
Kalaburagi
Bidar
Koppal
Vijayapura
Chamarajanagar
Visakhapatnam
Vijayawada
Amaravati
Guntur
Tirupati
Nellore
Kurnool
Kadapa
Anantapur
Rajahmundry
Kakinada
Eluru
Ongole
Srikakulam
Bheemunipatnam
Machilipatnam
Proddatur
Hindupur
Srikalahasti
Nandyal
Hyderabad
Warangal
Karimnagar
Nizamabad
Khammam
Maheshwaram
Sangareddy
Nalgonda
Adilabad
Suryapet
Siddipet
Ramagundam
Mancherial
Peddapalli
Bhadrachalam
Zaheerabad
Narayanpet
Vikarabad
Medak
Kothagudem
Thiruvananthapuram
Kochi
Kozhikode
Thrissur
Kollam
Palakkad
Malappuram
Alappuzha
Kannur
Kasaragod
Kottayam
Idukki
Wayanad
Pathanamthitta
Ernakulam
Aluva
Angamaly
Perumbavoor
Munnar
Ponnani
Lucknow
Kanpur
Varanasi
Prayagraj
Noida
Ghaziabad
Meerut
Jhansi
Aligarh
Moradabad
Gorakhpur
Mathura
Bareilly
Saharanpur
Ayodhya
Mirzapur
Dadri
Muzaffarnagar
Deoria
Kushinagar
Ballia
Sonbhadra
Gonda
Etawah
Jaipur
Jodhpur
Udaipur
Kota
Ajmer
Bikaner
Alwar
Bhilwara
Barmer
Jaisalmer
Pali
Nagaur
Banswara
Dungarpur
Chittorgarh
Sikar
Sawai Madhopur
Tonk
Bundi
Sriganganagar
Ludhiana
Amritsar
Jalandhar
Patiala
Mohali
Bathinda
Hoshiarpur
Moga
Gurdaspur
Pathankot
Firozpur
Rupnagar
Fatehgarh Sahib
Sangrur
Faridkot
Kapurthala
Nawanshahr
Muktsar
Tarn Taran
Fazilka
Gurugram
Faridabad
Panipat
Ambala
Sonipat
Rohtak
Hisar
Karnal
Rewari
Manesar
Panchkula
Bhiwani
Yamunanagar
Jhajjar
Nuh (Mewat)
Sirsa
Kaithal
Kurukshetra
Bahadurgarh
Palwal
Shimla
Manali
Dharamshala
Solan
Baddi
Mandi
Kullu
Bilaspur
Una
Chamba
Kangra
Rampur
Lahaul-Spiti
Hamirpur
Sirmaur
Kinnaur
Dehradun
Haridwar
Rishikesh
Nainital
Roorkee
Haldwani
Kashipur
Rudrapur
Pantnagar
Champawat
Pithoragarh
Bageshwar
Chamoli
Uttarkashi
Almora
Vikasnagar
Kotdwar
Ramnagar
Srinagar (Pauri)
Tehri
Central Vista
Dwarka
Rohini
Narela
Okhla
Tughlakabad
Shahdara
Janakpuri
Badarpur
Uttam Nagar
Saket
Mundka
Burari
Bawana
Kanjhawala
Najafgarh
Deoli
Mehrauli
Vasant Kunj
Mayur Vihar
Srinagar
Jammu
Udhampur
Katra
Anantnag
Baramulla
Sopore
Pulwama
Ganderbal
Bandipora
Kupwara
Kathua
Reasi
Ramban
Doda
Rajouri
Poonch
Kishtwar
Shopian
Kulgam
Leh
Kargil
Drass
Hanle
Chushul
Zanskar
Nubra
Shyok
Khaltse
Dha-Hanu
Nyoma
Mulbekh
Sector 17 (City Core)
Sector 62 (IT Park)
Industrial Area Ph-1
Industrial Area Ph-2
Manimajra
Panchkula Extension
Mohali Phase 8
ISBT 43
Daria
Hallomajra
Rock Garden Area
Sector 82 (Aerocity)
Kolkata
Durgapur
Asansol
Haldia
Siliguri
Kharagpur
Bardhaman
Medinipur
Howrah
Raniganj
Burnpur
Bankura
Kalyani
Purulia
New Town (Rajarhat)
Bidhannagar
Barasat
Malda
Jalpaiguri
Cooch Behar
Bhubaneswar
Cuttack
Rourkela
Sambalpur
Berhampur
Angul
Talcher
Jharsuguda
Sundargarh
Paradip
Koraput
Rayagada
Keonjhar
Bolangir
Kalahandi
Dhenkanal
Baripada
Jajpur
Kendrapara
Puri
Ranchi
Jamshedpur
Dhanbad
Bokaro
Hazaribagh
Deoghar
Giridih
Ramgarh
Dumka
Lohardaga
Gumla
Palamu
Chatra
West Singhbhum
Pakur
Sahibganj
Koderma
Simdega
Godda
Khunti
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Desi Machines is a platform where you can see and compare construction equipment. It showcases images, brochures, features, technical specifications, brand details & dealer information. All these are taken from respective brand websites, brochures, and other public resources. We do not claim ownership of these materials and strive to ensure their accuracy. However, the disparity may happen and we advise users to verify directly with respective brands and dealers. Desi Machines is not liable for any inaccuracies or reliance on the information provided. Use of this website is at your own discretion.
