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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 26

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…

Blog MES Contractor Registration: How Enlistment, Classes and Tendering Limits Work

MES Contractor Registration: How Enlistment, Classes and Tendering Limits Work

Military Engineer Services enlists contractors in classes, each with an upper tendering limit and a five-year cycle. Here…

Guide Excavator Hydraulic Pressure in India: Bar, MPa and Pump Flow by Class

Excavator Hydraulic Pressure in India: Bar, MPa and Pump Flow by Class

Indian excavators run their main digging circuit between 147 and 380 bar, which is the same thing as…

Blog Presumptive Taxation for Contractors: 6%, 8% or Per Vehicle

Presumptive Taxation for Contractors: 6%, 8% or Per Vehicle

Section 58 of the Income-tax Act 2025 gives a contractor two presumptive routes: a percentage of turnover, or…

Blog Cash Payment Limit for Contractor Bills: ₹10,000 or ₹35,000

Cash Payment Limit for Contractor Bills: ₹10,000 or ₹35,000

One cash payment over the limit does not lose you the excess — it loses you the whole…

Blog Bid Validity Period and Extension: Should You Agree?

Bid Validity Period and Extension: Should You Agree?

Your quoted rate stays binding for a fixed window after you submit. What that window means, who can…

Blog GST on Free Issue Material: When the Client’s Cement Lands in Your Taxable Value

GST on Free Issue Material: When the Client’s Cement Lands in Your Taxable Value

The department supplies cement and steel free and you execute the work. Whether that material gets added to…

Blog GST on Retention Money: You Pay Tax on Cash You Have Not Received

GST on Retention Money: You Pay Tax on Cash You Have Not Received

The client holds back 5 or 10 per cent of every bill, but the tax falls due on…

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