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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 2

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…

Blog GST on Works Contract: What Counts as One, and Who Gets the Input Credit

GST on Works Contract: What Counts as One, and Who Gets the Input Credit

A works contract under GST needs two things: immovable property and a transfer of goods. That single test…

Blog EMD in Tender: Full Form, How the Amount Is Worked Out, and Who Is Exempt

EMD in Tender: Full Form, How the Amount Is Worked Out, and Who Is Exempt

EMD stands for earnest money deposit, the bid security a department holds so your offer stays firm. Here…

Blog Labour Licence for Contractors: Who Needs One and How to Apply

Labour Licence for Contractors: Who Needs One and How to Apply

A labour licence is required once you employ twenty or more workmen as contract labour. Here is the…

Guide Best Cement in India: How to Choose the Type, Grade and Brand

Best Cement in India: How to Choose the Type, Grade and Brand

If you are standing at a counter choosing between two cement brands for a roof slab, the brand…

Blog Joint Venture for Tender: Whose Experience Counts, and at What Share

Joint Venture for Tender: Whose Experience Counts, and at What Share

Two small firms can bid together to clear an experience clause. A 2020 Bombay High Court case shows…

Blog Digital Signature Certificate for Tender: Who Can Issue It, and for How Long

Digital Signature Certificate for Tender: Who Can Issue It, and for How Long

Only 23 licensed Certifying Authorities can issue one, and the law caps it at three years. What that…

Blog NBCC Contractor Registration: What Actually Exists and How the Work Is Awarded

NBCC Contractor Registration: What Actually Exists and How the Work Is Awarded

Contractors go looking for an NBCC registration form and never find one. There is no standing enlistment list…

Guide Hydra Crane Brakes in India: Air, Hydraulic and the Parking Brake Difference

Hydra Crane Brakes in India: Air, Hydraulic and the Parking Brake Difference

Hydra crane brakes are built two ways on the machines sold in India: fully air-operated brakes, and hydraulic…

Blog BRO Contractor Registration: Enlistment, EMD Exemption and Its Ceiling

BRO Contractor Registration: Enlistment, EMD Exemption and Its Ceiling

Enlistment with the Border Roads Organisation buys you an exemption from earnest money — but only up to…

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