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Saurav Agarwal

Founder & Chartered Accountant at Desi Machines
504 articles (395 blogs, 109 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 25

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…

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…

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