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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 3

Construction machines with machinery loan documents and a CGTMSE shield
Saurav Agarwal
Finance & Money

Machinery Loan Without Collateral: What CGTMSE Covers

Collateral-free does not mean unsecured. The machine is still charged to the lender. Here is what CGTMSE actually…

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Machine loan default in India and lender rights
Saurav Agarwal
Finance & Money

Machine Loan Default in India: What the Lender Can and Cannot Do

Miss a few EMIs on a machine loan and the calls start. Here is the actual sequence a…

Read More
Backhoe loader representing a loan against machinery with cash, loan documents and financing information.
Saurav Agarwal
Finance & Money

Loan Against Machinery: Raising Money on a Machine You Already Own

A loan against machinery turns an owned, unencumbered machine into working capital. What lenders look at, what it…

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Project report for a machinery loan with financial documents, cash flow calculations and construction equipment.
Saurav Agarwal
Finance & Money

Project Report for a Machinery Loan: What the Bank Actually Reads

A project report for a machinery loan is not a formality. It is the arithmetic the credit officer…

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Equipment loan foreclosure with calculator, coins and excavator
Saurav Agarwal
Finance & Money

Foreclosing Your Equipment Loan Early: Charges, RBI Rules and When It Pays

A good season leaves cash on the table and the obvious move is to close the loan. What…

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Government schemes and subsidies for construction equipment buyers
Saurav Agarwal
Finance & Money

Government Schemes and Subsidies for Buying Construction Equipment

PMEGP, Mudra and CGTMSE come up in every first-machine conversation. Here is what each scheme actually pays for,…

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Construction equipment, calculator, financing documents, and percentage icon illustrating zero down payment construction equipment loans and 90% funding costs.
Saurav Agarwal
Finance & Money

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…

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Excavator, backhoe loader, transit mixer, and construction site with GST document and shield icon illustrating GST Input Tax Credit for construction equipment in India.
Saurav Agarwal
Finance & Money

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.…

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Construction equipment loan EMI calculator with excavator, dump truck, calculator and savings jar
Saurav Agarwal
Finance & Money

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…

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Used Construction Equipment Loan: LTV, Tenure and Why Rates Are Higher
Saurav Agarwal
Finance & Money

Used Construction Equipment Loan: LTV, Tenure and Why Rates Are Higher

How a used construction equipment loan actually works — valuation-based funding, shorter tenure, higher rate — and what…

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Loan eligibility checklist with construction equipment and financial documents for machinery financing.
Saurav Agarwal
Finance & Money

Construction Equipment Loan Eligibility and Documents Checklist

Who qualifies for a construction equipment loan in India and the exact documents banks and NBFCs ask for,…

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CIBIL score report, approved machinery loan documents, calculator, and construction equipment on a worksite.
Saurav Agarwal
Finance & Money

CIBIL Score for a Machinery Loan: What You Need and How to Fix It

What CIBIL score do you need for a construction equipment loan in India, how lenders actually read it,…

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