Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
Up to 90% funding
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
An AU Bank construction equipment loan helps you buy machines like excavators, backhoe loaders, cranes, transit mixers and tippers — new or pre-owned. AU Small Finance Bank funds up to 90% of the machine cost and lets you repay over up to 5 years (60 months), with monthly, quarterly or seasonal EMIs to suit your cash flow. Sanction is quick with minimal paperwork, and existing borrowers can refinance or top up. Individuals, contractors and companies can all apply. Tell us your machine and city, and the Desi Machines finance desk will help you get it moving.
Not every builder started big. AU Small Finance Bank knows that story well, because it started small too. It began life as AU Financiers back in 1996, worked its way up serving small traders and MSMEs, and became a full scheduled bank in 2017. Today it calls itself India’s largest tech-led small finance bank, with around 2,400 touchpoints across 500-plus cities and towns. That reach matters to you. It means a bank that already understands the small contractor, the first machine, and the tight cash flow of a growing site.
An AU Bank construction equipment loan is simply money the bank lends you to buy a machine, which you then repay in monthly instalments from the work that machine earns. The equipment itself stands as security, so you usually don’t have to pledge your house or land on top. AU Bank funds both new machines and good pre-owned ones, and the amount depends on a proper valuation and the machine’s working condition. For someone starting out with a solid second-hand backhoe, that flexibility is a real help.
What can you finance? Pretty much any machine that does honest work on a site — excavators, backhoe loaders, wheel loaders, cranes, compactors and road rollers, transit mixers, tippers and other mining and earthmoving gear. Whether or not the exact model sits on Desi Machines, if it is a genuine construction or mining machine, AU Bank can usually fund it.
Here is what makes this loan easy to live with. AU Bank offers up to 90% financing, so your own upfront money stays small and your cash stays free for diesel, wages and spares. Repayment runs up to 5 years (60 months), and you can pick monthly, quarterly or seasonal EMIs to match how the money actually comes in. Sanction and disbursal are quick, with minimal paperwork. Already have a machine? You can even refinance it for working capital or take a top-up loan. Want to weigh other lenders first? Compare Tata Capital and Axis Bank on our finance page before you decide.
Loan amounts, funding percentage and tenures shown here are indicative and are decided by AU Small Finance Bank based on your profile. Please confirm the latest terms with the bank or our finance desk before you apply.
Get high loan-to-value (LTV) on construction equipment to reduce your initial capital requirement.
Finance both brand-new and pre-owned equipment, based on machine valuation and working condition.
Enjoy fast loan processing with minimal paperwork and disbursal within a few working days.
Flexible repayment periods up to 60 months help ease cash flow strain and suit your project timelines.
Choose from flexible EMI structures—monthly, quarterly, or seasonal—to match your income cycle.
Existing borrowers can opt for loan refinancing or additional top-up loans for ongoing or new needs.
Wondering what your monthly EMI will look like? Slide the values below and it shows up straight away. As an illustration, on a ₹30 lakh loan repaid over 5 years (60 months), your EMI works out to somewhere near ₹63,000–₹66,000 a month, depending on the final rate AU Bank sets for you. Change the loan amount, down payment or tenure and the figure updates on its own — no maths in your head. Want the exact number for your case? Send us the details and we’ll confirm it with AU Bank.
You do not have to be a large firm to qualify. AU Small Finance Bank lends to individuals, contractors, proprietorships, partnership firms, private limited companies and SMEs working in construction, mining or infrastructure. What the bank mainly checks is straightforward: do you have steady income to cover the EMI, is your credit record reasonable, and have you been running your business for at least a year? Because AU Bank grew up serving small businesses, it is often comfortable with borrowers that bigger banks overlook. If you are unsure whether you fit, just talk to our team first — we check for you before you spend time on paperwork.
Aadhaar, PAN, passport, voter ID, or driving license.
GST certificate, business registration, trade license, or company documents.
Bank statements (last 6 months), ITRs, or audited financial reports.
Proforma invoice for new machinery or valuation report for used machinery.
Hypothecation of the equipment; additional security may be required for high-value loans.
Applying is simpler than most people expect, and you don’t have to work it out alone. You pick the machine, our team helps you with the finance paperwork, and AU Bank does the approval. AU Bank is known for minimal documents and near-paperless disbursal, so a complete file usually moves within a few working days — from “I need a machine” to keys in your hand.
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.
AU Small Finance Bank’s Construction Equipment Loan includes many types of new and used heavy machinery for construction, infrastructure, and mining. This range covers excavators, backhoe loaders, transit mixers, tippers, cranes, wheel loaders, concrete pumps, compactors, and motor graders. The loan aims to assist contractors, builders, and fleet operators in quickly obtaining important equipment with flexible financing, minimal paperwork, and quick approvals.
Yes, pre-owned machinery is eligible for funding based on its age, condition, and valuation under AU Small Finance Bank Construction Equipment Loan.
AU Bank provides up to 90% of the equipment value, making it easier to invest with a low upfront cost.
Tenures go up to 60 months with EMIs designed to suit your business cycle.
Yes, monthly, quarterly, and structured EMIs are available depending on your cash flow pattern.
With complete documents, loan approval and disbursal typically happen within 3–5 working days.
The financed equipment is hypothecated; additional security is only needed for larger loans or special cases.
Yes, AU Small Finance Bank offers balance transfer and top-up loans on existing equipment finance.
Check AU Small Finance Bank 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.
