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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.

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Articles by Saurav — page 18

Blog Excavator Cost Per Hour: How to Calculate Yours

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,…

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

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…

Guide Skid Steer Attachments: A Simple Guide for India

Skid Steer Attachments: A Simple Guide for India

A skid steer loader is one small machine that can do the work of many. The trick is…

Blog Construction Equipment Loan Eligibility and Documents Checklist

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,…

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

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…

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

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…

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

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,…

Guide BS-CEV Emission Norms for Construction Equipment in India

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…

Guide Crawler Crane: How It Works, Types & Uses in India

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

A crawler crane is the giant lifting machine that moves on two wide steel tracks instead of wheels…

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

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,…

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

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…

Blog Bank vs NBFC for Equipment Finance: Interest Rates Compared

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,…

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