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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.

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Articles by Saurav — page 30

Blog Working Capital Loan for Contractors: How Banks Size It

Working Capital Loan for Contractors: How Banks Size It

Your machine is paid for and the work is coming, but wages and diesel go out months before…

Blog Integrity Pact in Tender: What You Are Signing

Integrity Pact in Tender: What You Are Signing

Large tenders ask you to sign an integrity pact along with the technical bid, and most owners sign…

Blog EMD Refund Process: Getting Your Bid Money Back

EMD Refund Process: Getting Your Bid Money Back

Earnest money sits with the department long after the tender is decided, and most owners never chase it.…

Guide Excavator Overheating in India: Causes, Checks and How to Prevent It

Excavator Overheating in India: Causes, Checks and How to Prevent It

Why does an excavator overheat? Excavator overheating is when the engine or the hydraulic oil rises above its…

Blog Retention Money in Construction Contracts: Getting It Back

Retention Money in Construction Contracts: Getting It Back

A slice of every bill you raise is held back and released long after the work is done.…

Blog Machine Utilisation Rate: How to Measure It and What Good Looks Like

Machine Utilisation Rate: How to Measure It and What Good Looks Like

The number that explains why a busy machine still loses money. How to work out your utilisation rate…

Blog Do Construction Machines Need a PUC Certificate in India

Do Construction Machines Need a PUC Certificate in India

A backhoe that drives on a public road is a registered vehicle, and the emission rules follow it…

Blog PF and ESI for Construction Workers: When They Apply to You

PF and ESI for Construction Workers: When They Apply to You

Two statutes, two completely different triggers, and one line in the PF Act that reaches workers you did…

Blog Force Majeure in Construction Contracts: When Delay Is Excused

Force Majeure in Construction Contracts: When Delay Is Excused

Rain is not force majeure. What the clause in your contract actually does, why Section 56 of the…

Blog Arbitration in Construction Contracts: What Actually Happens

Arbitration in Construction Contracts: What Actually Happens

The clause is already in the contract you signed. Who gets to be the arbitrator, when the clock…

Blog E Way Bill for Machinery: When You Need One to Move a Machine

E Way Bill for Machinery: When You Need One to Move a Machine

Selling it, shifting it between your own sites, sending it for repair, or putting it on hire —…

Blog HSRP for Construction Equipment: Does Your Machine Need One

HSRP for Construction Equipment: Does Your Machine Need One

The high security plate is not a separate rule for machines. It is the only lawful form of…

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