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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 32

Blog Performance Bank Guarantee: What It Costs a Contractor

Performance Bank Guarantee: What It Costs a Contractor

You won the tender. Now the buyer wants a performance bank guarantee. Here is what it blocks, what…

Guide Excavator Digging Reach in India: How Far It Reaches by Size Class

Excavator Digging Reach in India: How Far It Reaches by Size Class

Maximum digging reach is how far an excavator can stretch its bucket out sideways from the machine, measured…

Guide Excavator Dumping Height in India: Will It Load Your Tipper?

Excavator Dumping Height in India: Will It Load Your Tipper?

Maximum dumping height is how high an excavator can lift its bucket and empty it. It is measured…

Blog Lead and Lift in Earthwork: Why Your Bill Gets Cut

Lead and Lift in Earthwork: Why Your Bill Gets Cut

You carted the earth twice as far as the rate allowed for and nobody wrote it down. Lead…

Blog Soil Filling Rate Per Cft: How to Quote It Properly

Soil Filling Rate Per Cft: How to Quote It Properly

Filling looks simpler than digging and quotes lower. Then the cartage, the compaction and the shrinkage arrive, and…

Blog Key Facts Statement: Your Machine Loan’s Real Cost

Key Facts Statement: Your Machine Loan’s Real Cost

The rate your lender quotes is not the rate you pay. One page you are entitled to before…

Blog Loan NPA Rules: When a Machine Loan Turns NPA

Loan NPA Rules: When a Machine Loan Turns NPA

A missed EMI does not go straight to default. It moves through SMA-1, SMA-2 and then NPA on…

Blog Wilful Defaulter: The Line an Owner Should Not Cross

Wilful Defaulter: The Line an Owner Should Not Cross

Not being able to pay is one thing. Being classified a wilful defaulter is another, and it turns…

Blog Loan Restructuring on a Machine Loan: The Real Cost

Loan Restructuring on a Machine Loan: The Real Cost

Work has dried up and the EMI is too big. Restructuring is a real option, but it is…

Blog NBFC Complaint to RBI: The Route That Actually Works

NBFC Complaint to RBI: The Route That Actually Works

Your equipment lender has stopped replying about a charge, an NOC or a wrong statement. There is a…

Blog Loan Guarantor on a Machine Loan: What You Actually Signed

Loan Guarantor on a Machine Loan: What You Actually Signed

Standing guarantor for another owner's machine loan is not a character reference. Under Section 128 your liability is…

Guide Hydra Crane Tyre Size in India: Front and Rear by Tonnage

Hydra Crane Tyre Size in India: Front and Rear by Tonnage

A hydra crane tyre size is the code printed on the sidewall, such as 11.00 x 20 -…

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