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Finance & Money

Loans, EMIs, leasing, GST and depreciation for construction equipment in India. These articles show how the money side works, so you can compare a bank offer, an NBFC quote and a dealer scheme before you sign.

38 articles

Secured Advance in Construction: Paid on Your Materials, Recovered From Your Bills
Saurav Agarwal
Finance & Money

Secured Advance in Construction: Paid on Your Materials, Recovered From Your Bills

A secured advance releases money against material already lying at your site, not against work done. The percentage,…

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Retention Money vs Security Deposit: What Each One Actually Holds
Saurav Agarwal
Finance & Money

Retention Money vs Security Deposit: What Each One Actually Holds

Two different sums, taken at two different times, released on two different triggers — and most contractors are…

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Depreciation Rate on Construction Machinery: Income Tax vs Companies Act
Saurav Agarwal
Finance & Money

Depreciation Rate on Construction Machinery: Income Tax vs Companies Act

The number most owners search for is not written in the Income-tax Act at all. What the Act…

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GSTR-9 Annual Return for Contractors: Who Files, What Breaks
Saurav Agarwal
Finance & Money

GSTR-9 Annual Return for Contractors: Who Files, What Breaks

The annual return is where a year of works-contract billing gets reconciled in one place. Who is excluded,…

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Bank Guarantee Invocation: What Happens When the Buyer Calls It In
Saurav Agarwal
Finance & Money

Bank Guarantee Invocation: What Happens When the Buyer Calls It In

The buyer writes to your bank, not to you. By the time you hear about it the money…

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Presumptive Taxation for Contractors: 6%, 8% or Per Vehicle
Saurav Agarwal
Finance & Money

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…

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Cash Payment Limit for Contractor Bills: ₹10,000 or ₹35,000
Saurav Agarwal
Finance & Money

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…

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GST Registration Limit for Contractors: Where the Line Actually Sits
Saurav Agarwal
Finance & Money

GST Registration Limit for Contractors: Where the Line Actually Sits

The figure most machine owners have in their head is the one written for traders. Section 22 sets…

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GST on Sale of Old Machinery: The Rule Most Owners Get Wrong
Saurav Agarwal
Finance & Money

GST on Sale of Old Machinery: The Rule Most Owners Get Wrong

Selling a machine you claimed input tax credit on is not simply a matter of charging tax on…

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TCS on Purchase of Machinery: The 1% on Your Invoice
Saurav Agarwal
Finance & Money

TCS on Purchase of Machinery: The 1% on Your Invoice

The 1 per cent line the dealer adds above ₹10 lakh, the word in the statute that decides…

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Capital Gain on Sale of Machinery: What You Actually Pay
Saurav Agarwal
Finance & Money

Capital Gain on Sale of Machinery: What You Actually Pay

Sell a machine you have been claiming depreciation on and the tax does not work the way most…

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TDS on Machinery Hire Charges: Which Rate Cuts Your Bill
Saurav Agarwal
Finance & Money

TDS on Machinery Hire Charges: Which Rate Cuts Your Bill

Your machine hire bill can be taxed at 2% as rent or at 1-2% as a work contract.…

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Recently updated
Single Bid Tender: Will It Be Accepted or Retendered?

Single Bid Tender: Will It Be Accepted or Retendered?

Lump Sum Contract: Who Carries the Risk and How You Get Paid

Lump Sum Contract: Who Carries the Risk and How You Get Paid

JCB Spare Parts Business: Investment, Stock and Margin

JCB Spare Parts Business: Investment, Stock and Margin

Termination of Construction Contract by Contractor: Rights and Costs

Termination of Construction Contract by Contractor: Rights and Costs

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