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Saurav Agarwal Founder & Chartered Accountant

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.

Recent Articles

Aug 12, 2026
Saurav Agarwal

How to Read an Excavator Spec Sheet: What Each Number Means

Last updated: Aug 2026 An excavator spec sheet is the table of numbers a maker publishes for each model: weight,…

Aug 12, 2026
Saurav Agarwal

Loan Against Machinery: Raising Money on a Machine You Already Own

A loan against machinery turns an owned, unencumbered machine into working capital. What lenders look at, what it costs against…

Aug 12, 2026
Saurav Agarwal

Solvency Certificate for a Tender: What It Is and How to Get One

Tenders ask for a solvency certificate to prove you can fund the work. Here is what your bank is certifying,…

Aug 12, 2026
Saurav Agarwal

Project Report for a Machinery Loan: What the Bank Actually Reads

A project report for a machinery loan is not a formality. It is the arithmetic the credit officer checks —…

Aug 12, 2026
Saurav Agarwal

Excavation Rate Per Cubic Meter: How to Quote Earthwork Without Losing Money

Work out your own excavation rate per cubic meter from your machine's cost per hour and what it actually moves,…

Aug 11, 2026
Saurav Agarwal

Excavator for Dredging and Canal Desilting in India

Last updated: Aug 2026 An excavator for dredging is a tracked excavator fitted with a longer boom and arm than…

Aug 11, 2026
Saurav Agarwal

Labour Contractor Kaise Bane: The Licence, the Margin and the Cash Gap

Supplying workers and operators to sites is a real business with a licence, a margin and a cash-flow trap. Here…

Aug 08, 2026
Saurav Agarwal

Power Shovel vs Hydraulic Excavator: The Difference Explained

Last updated: Aug 2026 A power shovel is a digging machine that moves its bucket with steel wire ropes and…

Aug 08, 2026
Saurav Agarwal

Diesel Chori Kaise Roke: What Fuel Loss and Idle Hours Really Cost You

Most owners suspect diesel loss and can prove nothing. Here is what the loss costs in rupees a month, how…

Aug 08, 2026
Saurav Agarwal

Tipper, Dumper or Backhoe: Which One Actually Earns More on the Money You Put In

Everyone compares the earnings and nobody compares the capital. Here is the three-line sum that settles it, run on real…

Aug 08, 2026
Saurav Agarwal

Bank Auction Construction Equipment: What to Check Before You Bid

A repossessed machine can be the cheapest one you ever buy, or the most expensive. The law, the sale notice…

Aug 08, 2026
Saurav Agarwal

PWD Contractor Registration: How a Machine Owner Gets Enlisted and Gets Work

Enlistment runs five years, the whole file moves through the CEMS portal, and there is a 90-day training rule that…

Aug 07, 2026
Saurav Agarwal

Excavator Slewing Ring: What It Is and When to Replace It

Last updated: Aug 2026 An excavator slewing ring is the large toothed bearing that sits between the undercarriage and the…

Aug 07, 2026
Saurav Agarwal

GeM Portal Registration for Contractors: Hiring Machines Out to Government Buyers

Registering on GeM costs nothing and the old caution money deposit is gone. Here is what you actually pay, and…

Aug 06, 2026
Saurav Agarwal

How to Calculate Excavator Productivity: Output per Hour in India

Last updated: August 2026 Excavator productivity is how much material the machine actually moves in an hour, written in cubic…

Aug 06, 2026
Saurav Agarwal

Contractor Payment Delay on Government and EPC Machine Work

Government and EPC work pays late. Here is how running bills and retention actually move, and the law that puts…

Aug 04, 2026
Saurav Agarwal

Can an Excavator Be Used as a Crane? Lifting and Object Handling in India

An excavator can be used to lift and place loads, and on Indian sites it does this every day —…

Aug 04, 2026
Saurav Agarwal

Construction Season in India: When Work and Machine Rates Actually Peak

Machine demand in India runs on two calendars — the monsoon and the government financial year. Knowing both tells you…

Aug 04, 2026
Saurav Agarwal

Equipment Rental Platforms in India: Do Aggregators Earn Their Commission?

Listing apps and plant-hire aggregators promise to fill your idle days. Here is the arithmetic that tells you whether the…

Aug 03, 2026
Saurav Agarwal

How to Hire a JCB Operator — and Keep the Good Ones

What to pay, where to look, how to test a man before you hand him the keys, and why keeping…

Aug 02, 2026
Saurav Agarwal

Equipment Rental Agreement: The Terms That Protect the Owner

The clauses that decide whether a machine on hire earns or costs you — rate basis, idle time, diesel, damage,…

Aug 02, 2026
Saurav Agarwal

How to Start an Equipment Rental Business in India

A practical setup guide for owners putting a machine on hire in India — first machine, capital, registration, pricing and…

Aug 02, 2026
Saurav Agarwal

Wet Lease vs Dry Lease: Which Way of Renting Out Your Machine Earns More?

Hiring your machine out with an operator pays a higher rate, but the premium is thinner than most owners assume.…

Aug 02, 2026
Saurav Agarwal

Electric vs Diesel Excavator Cost: The Real Running-Cost Math for Indian Sites

The energy line on an electric excavator is genuinely cheaper than diesel. Here is the arithmetic that shows by how…

Aug 02, 2026
Saurav Agarwal

Excavator and Backhoe Weight in India: Kg and Tonnes by Class

Last updated: August 2026 The operating weight of an excavator is what the whole machine weighs when it is ready…

Jul 31, 2026
Saurav Agarwal

Crane Safety in India: Rules, Checks and Operator Training

Crane safety is the set of legal duties, machine checks and site habits that keep a lifting job from going…

Jul 30, 2026
Saurav Agarwal

RC Transfer and Hypothecation Removal on a Used Machine: The Owner’s Paperwork Guide

The used machine is inspected, the price is agreed, the money is ready. Now the paperwork: which machines even have…

Jul 30, 2026
Saurav Agarwal

Foreclosing Your Equipment Loan Early: Charges, RBI Rules and When It Pays

A good season leaves cash on the table and the obvious move is to close the loan. What foreclosure actually…

Jul 30, 2026
Saurav Agarwal

Government Schemes and Subsidies for Buying Construction Equipment

PMEGP, Mudra and CGTMSE come up in every first-machine conversation. Here is what each scheme actually pays for, the ceilings…

Jul 29, 2026
Saurav Agarwal

All Terrain Crane vs Rough Terrain Crane: Key Differences

An all terrain crane and a rough terrain crane are both mobile cranes with a telescopic boom, but they are…

Jul 28, 2026
Saurav Agarwal

Genuine vs Aftermarket Parts: What Each One Really Costs You

Aftermarket parts are cheaper on the bill and not always cheaper on the machine. Here is the one calculation that…

Jul 28, 2026
Saurav Agarwal

Fleet Expansion Finance: How Owners Pay for Machine Number Two

The second machine is a different decision from the first. Here is how lenders read a one-machine business, where the…

Jul 27, 2026
Saurav Agarwal

How to Bid for Government Construction Tenders as a Machine Owner

Government and EPC work is the steadiest income a machine owner can win, and most owners never bid because the…

Jul 27, 2026
Saurav Agarwal

Zero Down Payment Construction Equipment Loans: What 90% Funding Really Costs

Dealers advertise zero-down and 90% funding schemes as a way into your first machine. Here is what those offers actually…

Jul 27, 2026
Saurav Agarwal

Excavator Undercarriage: Parts, Wear and Maintenance

The undercarriage is the tracked base of a crawler excavator, the part that carries the whole machine and lets it…

Jul 24, 2026
Saurav Agarwal

Excavator Bucket Types: How to Choose the Right One

An excavator bucket is the digging tool bolted to the end of the arm, and the type you fit decides…

Jul 24, 2026
Saurav Agarwal

Can You Claim GST Input Credit on Your Construction Machine?

GST-registered businesses can usually claim input tax credit on an excavator, backhoe or loader bought for business use. Here is…

Jul 21, 2026
Saurav Agarwal

How Much Capital Do You Really Need for Your First Machine?

The capital to buy a JCB or your first machine is far more than the down payment. Here is the…

Jul 21, 2026
Saurav Agarwal

Equipment Loan EMI Calculator: How to Work Out Your Monthly Payment

How to work out your equipment loan EMI — the formula, a ready per-lakh table, and worked JCB and excavator…

Jul 20, 2026
Saurav Agarwal

Truck-Mounted Crane: Types, Uses & How It Works

A truck-mounted crane is a lifting crane built onto a road-going truck chassis, so one machine drives on the highway…

Jul 20, 2026
Saurav Agarwal

Used Construction Equipment Loan: LTV, Tenure and Why Rates Are Higher

How a used construction equipment loan actually works — valuation-based funding, shorter tenure, higher rate — and what to fix…

Jul 20, 2026
Saurav Agarwal

JCB Business Profit in India: What One Machine Really Earns

What a JCB or backhoe actually earns in a month once the EMI, maintenance and idle days are counted —…

Jul 19, 2026
Saurav Agarwal

How to Negotiate a JCB Price and Read a Dealer Quotation

Learn how to negotiate a JCB price by reading the dealer quotation line by line — where the real discount…

Jul 19, 2026
Saurav Agarwal

Heavy Equipment Operator Salary in India: What Machines Pay (2026)

A machine-by-machine, state-by-state look at heavy equipment operator salary in India — JCB, excavator, crane and dozer pay, and how…

Jul 17, 2026
Saurav Agarwal

How to Get More Work for Your Machine: Owner’s Guide

Practical ways for an equipment owner in India to get more work for your machine beyond word of mouth —…

Jul 16, 2026
Saurav Agarwal

Excavator Maintenance Cost in India: Service Intervals & What You’ll Pay

A plain-English service schedule and maintenance budget for a mid-size excavator in India — what each service costs, the per-hour…

Jul 16, 2026
Saurav Agarwal

What Machine Downtime Really Costs You — And How to Cut It

The repair bill is the small part. See what a single idle day costs a financed machine in India, and…

Jul 16, 2026
Saurav Agarwal

Overhead Crane: Types, How It Works & Uses in India

An overhead crane is a lifting machine that hangs from a beam running along the roof of a workshop, factory…

Jul 16, 2026
Saurav Agarwal

Excavator Undercarriage Cost: The Hidden Running Bill

Excavator undercarriage cost is one of the biggest hidden running expenses in India — what tracks, rollers and sprockets cost…

Jul 16, 2026
Saurav Agarwal

Excavator Fuel Consumption Per Hour: The Real Diesel Cost

Diesel is the biggest cheque you write every month. Here is how to work out your machine's real fuel burn…

Jul 15, 2026
Saurav Agarwal

The Diesel Engine in Your Machine: HP, Fuel and Resale

Why the diesel engine in your construction equipment shapes fuel cost, resale and emissions compliance in India — how to…

Jul 14, 2026
Saurav Agarwal

Equipment Rental Rate Card: What Machines Earn Per Day in India

What does a JCB rent per day, and what do excavators, cranes and loaders earn on hire? Indicative Indian rental…

Jul 14, 2026
Saurav Agarwal

Buy vs Rent Construction Equipment: An Owner’s Decision Guide

Should you buy or rent your next machine, and can you make money renting yours out? The utilization math that…

Jul 14, 2026
Saurav Agarwal

What Excavator Attachments Cost: Breakers, Buckets and Augers

An owner's guide to excavator attachment cost in India — indicative prices for rock breakers, buckets, augers and grabs, what…

Jul 13, 2026
Saurav Agarwal

Engine Oil, Hydraulic Oil and Grease: Getting the Fluids Right

A practical owner's guide to engine oil for construction equipment in India — the right grades, hydraulic oil and grease,…

Jul 12, 2026
Saurav Agarwal

Excavator Cost Per Hour: How to Calculate Yours

How to calculate the real excavator cost per hour for your machine in India — the fixed-plus-variable formula, an indicative…

Jul 12, 2026
Saurav Agarwal

The Real 5-Year Cost of Owning an Excavator in India

The full excavator cost of ownership in India over five years — purchase, finance, fuel, maintenance, operator, insurance and resale…

Jul 11, 2026
Saurav Agarwal

Construction Equipment Loan Eligibility and Documents Checklist

Who qualifies for a construction equipment loan in India and the exact documents banks and NBFCs ask for, so your…

Jul 11, 2026
Saurav Agarwal

Hydraulic Rock Breaker Guide: How to Choose the Right Size for Your Excavator

A hydraulic rock breaker is the big hammer you bolt onto the arm of an excavator or backhoe loader to…

Jul 10, 2026
Saurav Agarwal

Your First Machine: A First Construction Equipment Buying Guide for Indian Contractors

A first construction equipment buying guide for Indian contractors: what the machine must earn, how much capital you really need,…

Jul 10, 2026
Saurav Agarwal

CIBIL Score for a Machinery Loan: What You Need and How to Fix It

What CIBIL score do you need for a construction equipment loan in India, how lenders actually read it, and practical…

Jul 10, 2026
Saurav Agarwal

BS-CEV Emission Norms for Construction Equipment in India

If you are buying a construction machine in India today, you will keep hearing terms like CEV Stage IV, CEV…

Jul 09, 2026
Saurav Agarwal

Loan vs Lease vs Cash: How to Finance Construction Equipment in India

Loan, lease or cash for your next machine? A plain, CA-written guide to construction equipment finance in India, with indicative…

Jul 09, 2026
Saurav Agarwal

JCB / Backhoe Operator Salary in India (by State & Experience)

What a JCB operator really earns in India, with indicative monthly ranges by experience and state, what pushes pay up,…

Jul 09, 2026
Saurav Agarwal

Bank vs NBFC for Equipment Finance: Interest Rates Compared

Banks or NBFCs for your machine loan? A plain comparison of construction equipment loan interest rates in India, with indicative…

Jul 07, 2026
Saurav Agarwal

Tower Crane: Types, Parts & How They Work in India

A tower crane is the tall, fixed crane you see rising over every high-rise, metro viaduct, and large commercial site…

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Languages
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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.

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