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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 39

Blog Genuine vs Aftermarket Parts: What Each One Really Costs You

Genuine vs Aftermarket Parts: What Each One Really Costs You

Aftermarket parts are cheaper on the bill and not always cheaper on the machine. Here is the one…

Blog Fleet Expansion Finance: How Owners Pay for Machine Number Two

Fleet Expansion Finance: How Owners Pay for Machine Number Two

The second machine is a different decision from the first. Here is how lenders read a one-machine business,…

Blog How to Bid for Government Construction Tenders as a Machine Owner

How to Bid for Government Construction Tenders as a Machine Owner

Government and EPC work is the steadiest income a machine owner can win, and most owners never bid…

Blog Zero Down Payment Construction Equipment Loans: What 90% Funding Really Costs

Zero Down Payment Construction Equipment Loans: What 90% Funding Really Costs

Dealers advertise zero-down and 90% funding schemes as a way into your first machine. Here is what those…

Guide Excavator Undercarriage: Parts, Wear and Maintenance

Excavator Undercarriage: Parts, Wear and Maintenance

The undercarriage is the tracked base of a crawler excavator, the part that carries the whole machine and…

Guide Fuel Tank Capacity of Excavators and Backhoe Loaders in India

Fuel Tank Capacity of Excavators and Backhoe Loaders in India

Most 20-tonne excavators, the size most Indian contractors run, carry 300 to 400 litres of diesel, a 2-tonne…

Guide Excavator Bucket Types: How to Choose the Right One

Excavator Bucket Types: How to Choose the Right One

An excavator bucket is the digging tool bolted to the end of the arm, and the type you…

Blog Can You Claim GST Input Credit on Your Construction Machine?

Can You Claim GST Input Credit on Your Construction Machine?

GST-registered businesses can usually claim input tax credit on an excavator, backhoe or loader bought for business use.…

Guide Crane Load Charts: How to Read One and Lift Safely in India

Crane Load Charts: How to Read One and Lift Safely in India

A crane load chart is the table that tells you exactly how much weight a crane can lift…

Blog How Much Capital Do You Really Need for Your First Machine?

How Much Capital Do You Really Need for Your First Machine?

The capital to buy a JCB or your first machine is far more than the down payment. Here…

Blog Equipment Loan EMI Calculator: How to Work Out Your Monthly Payment

Equipment Loan EMI Calculator: How to Work Out Your Monthly Payment

How to work out your equipment loan EMI — the formula, a ready per-lakh table, and worked JCB…

Guide Truck-Mounted Crane: Types, Uses & How It Works

Truck-Mounted Crane: Types, Uses & How It Works

A truck-mounted crane is a lifting crane built onto a road-going truck chassis, so one machine drives on…

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