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Saurav Agarwal

Founder & Chartered Accountant at Desi Machines
221 articles (155 blogs, 66 guides) Writing for Desi Machines since 2025
Saurav Agarwal is a Chartered Accountant and the founder of DesiMachines. He writes on the money side of owning machines: equipment finance, loans and leasing, GST, depreciation and total cost of ownership, alongside the market forces that move Indian infrastructure. He turns dealer quotes, bank terms and spec sheets into buying decisions contractors and fleet owners can act on.

Latest from Saurav

Blog

Bank Guarantee Invocation: What Happens When the Buyer Calls It In

The buyer writes to your bank, not to you. By the time you hear about it the money…

Guide Best TMT Bar in India: Grades, Brands and How to Choose

Best TMT Bar in India: Grades, Brands and How to Choose

Pick the grade first and the brand second. For most houses going up in India today that means…

Blog Labour Welfare Fund Contribution: Which States Charge It

Labour Welfare Fund Contribution: Which States Charge It

A small deduction, twice a year, under a state Act most contractors have never read. What catches a…

Blog Reverse Auction in GeM: How the Bidding Actually Ends

Reverse Auction in GeM: How the Bidding Actually Ends

Price bids open, the auction runs, and then several bidders are sitting on the same lowest number. What…

Blog Principal Employer Registration: The Duty That Is Yours

Principal Employer Registration: The Duty That Is Yours

Your labour contractor cannot get a licence until you sign. What most site owners miss is that the…

Blog E Invoice for Contractors: Does It Apply to Your Firm?

E Invoice for Contractors: Does It Apply to Your Firm?

The e-invoicing threshold came down in four steps and now sits at five crore of aggregate turnover. Most…

Blog Form 16A for Contractors: The TDS Certificate to Chase

Form 16A for Contractors: The TDS Certificate to Chase

Your client cut tax from the bill. The certificate proving it is what turns that deduction into credit…

Blog What a Subcontractor Agreement Must Actually Say

What a Subcontractor Agreement Must Actually Say

Machine owners are usually the subcontractor, and a handful of clauses decide whether the money reaches you. Here…

Blog GST on Labour Supply: What a Pure Manpower Contract Is Taxed As

GST on Labour Supply: What a Pure Manpower Contract Is Taxed As

A labour-only contract is not a works contract, so it is taxed as a plain service — and…

Blog Security Deposit in a Tender: How Much Is Held, and When You Get It Back

Security Deposit in a Tender: How Much Is Held, and When You Get It Back

The post-award money a client holds against your performance — how it is built from a lump sum…

Guide AAC Blocks: Sizes, Weight, Density and Where to Use Them

AAC Blocks: Sizes, Weight, Density and Where to Use Them

Almost every AAC block sold in India has the same face: 600 mm long and 200 mm tall,…

Blog Electrical Contractor Licence: Who Issues It, and What You Need First

Electrical Contractor Licence: Who Issues It, and What You Need First

An electrical contractor licence is issued by your state licensing board, not by any central authority. Here is…

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