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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 · page 2

Contractor calculating working capital requirements at a construction site office
Saurav Agarwal
Finance & Money

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…

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Retention money held in a construction contract and steps for contractors to recover it after completing work
Saurav Agarwal
Finance & Money

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.…

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Key Facts Statement showing interest rate, processing fee, insurance, EMI and total payable for a machine loan
Saurav Agarwal
Finance & Money

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…

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Excavator with a machine loan NPA notice showing overdue EMI and payment default
Saurav Agarwal
Finance & Money

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…

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desi-machines-guide-wilful-defaulter-the-line-an-owner-should-not-cross.webp
Saurav Agarwal
Finance & Money

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…

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Loan restructuring documents, calculator and construction excavator illustrating the cost of restructuring a machine loan
Saurav Agarwal
Finance & Money

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…

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NBFC complaint process with RBI complaint information, documents and online complaint portal
Saurav Agarwal
Finance & Money

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…

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Loan guarantor signing a machine loan agreement with a construction machine in the background
Saurav Agarwal
Finance & Money

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…

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EMI bounce charges on construction equipment loans and the charges lenders can apply
Saurav Agarwal
Finance & Money

EMI Bounce Charges on a Machine Loan: What Is Allowed

A bounced machine EMI attracts a penal charge, not penal interest. The difference decides whether the amount can…

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CIBIL dispute process for correcting wrong entries on a credit report in India
Saurav Agarwal
Finance & Money

CIBIL Dispute: How to Fix a Wrong Entry on Your Report

Your machine loan is closed but the credit report still shows it running. There is a 30-day clock…

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Bill discounting for contractors to receive cash before customer payment is received
Saurav Agarwal
Finance & Money

Bill Discounting for Contractors: Cash Before They Pay

Your machine bill is accepted and sitting for ninety days. Bill discounting on a TReDS platform turns that…

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Machine loan settlement and One Time Settlement costs for construction equipment financing in India
Saurav Agarwal
Finance & Money

Machine Loan Settlement: What an OTS Really Costs You

A one-time settlement closes a defaulted machine loan for less than you owe. It also locks you out…

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