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Saurav Agarwal

Founder & Chartered Accountant at Desi Machines
224 articles (158 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.

Articles by Saurav — page 12

Blog Labour Cess on Construction Bills: What Comes Off Your Money

Labour Cess on Construction Bills: What Comes Off Your Money

Labour cess is a statutory deduction on the cost of construction, and on government work it usually comes…

Blog JCB Road Tax in India: What an Owner Actually Pays

JCB Road Tax in India: What an Owner Actually Pays

Road tax on a construction machine is a state levy, not a central one, and it usually lands…

Blog JCB Licence in India: Which One You Need and Who Can Drive

JCB Licence in India: Which One You Need and Who Can Drive

There is no separate JCB licence in Indian law. What matters is the class on the driver's licence,…

Guide Excavator Black Smoke from Exhaust: Causes and Fixes

Excavator Black Smoke from Exhaust: Causes and Fixes

Black smoke from an excavator exhaust is unburnt diesel leaving the engine as soot. It happens when the…

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

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

An excavator spec sheet is the table of numbers a maker publishes for each model: weight, engine power,…

Guide Excavator for Well Digging in India: Which Machine and How Deep

Excavator for Well Digging in India: Which Machine and How Deep

An excavator for well digging is a tracked hydraulic excavator used to dig an open well — the…

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

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…

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

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…

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

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…

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

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…

Guide Excavator for Dredging and Canal Desilting in India

Excavator for Dredging and Canal Desilting in India

An excavator for dredging is a tracked excavator fitted with a longer boom and arm than normal, so…

Guide Excavator Engine Power: HP by Size Class in India

Excavator Engine Power: HP by Size Class in India

Excavator engine power is the rated output of the machine's diesel engine, written in horsepower (HP) and usually…

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