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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 3

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…

Blog Item Rate Tender vs Percentage Rate Tender: What Actually Changes for You

Item Rate Tender vs Percentage Rate Tender: What Actually Changes for You

Two standard Indian tender forms, two very different risks. Which one lets you price item by item, and…

Blog GST on Liquidated Damages: Does the Deduction Carry Tax?

GST on Liquidated Damages: Does the Deduction Carry Tax?

A client deducts delay damages from your bill and then asks you to pay tax on it. What…

Blog Power of Attorney for Tender: Who Can Sign Your Bid, and What Breaks If the Wrong Person Does

Power of Attorney for Tender: Who Can Sign Your Bid, and What Breaks If the Wrong Person Does

A tender bid is signed by a person, not by a firm. Here is which authority document your…

Guide Excavator Hydraulic Oil Temperature: Why It Runs Hot and What to Check

Excavator Hydraulic Oil Temperature: Why It Runs Hot and What to Check

An excavator that digs well for the first hour and then goes slow and weak, with the boom…

Guide Hydra Crane Boom Sections: How Many Parts and Which Ones Are Powered

Hydra Crane Boom Sections: How Many Parts and Which Ones Are Powered

Pick and carry cranes sold in India are built with booms of two, three, four or five sections,…

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