Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
Up to 100% fund
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
A Citi Bank construction equipment loan helps you buy machines like excavators, wheel loaders, cranes and concrete mixers — new or used — without draining your cash. Citi can fund up to 100% of the equipment value, and you repay over a tenure of 12 to 60 months in easy EMIs. Interest is competitive and clear, and a dedicated relationship manager guides you from application to disbursal. Contractors, builders and infrastructure businesses with a valid firm and clean credit can apply. Tell the Desi Machines finance desk your machine and your city, and we will help you get the loan moving fast.
Say you have a project lined up but the machine you need costs more than the cash sitting in your account. Paying the whole amount in one shot would leave nothing for diesel, spares and wages. A Citi Bank construction equipment loan is built for exactly this moment. Citi is a large private bank that has worked with Indian businesses for decades, and it lends against machinery so you can take the job today and pay for the machine slowly, out of the money it earns.
How does it work? The bank pays for the machine, you put it to work on your site, and you return the money in monthly instalments (EMIs). One thing that stands out with Citi is the funding. The loan can cover up to 100% of the equipment value, which means in many cases you can start work without arranging a big down payment first. That is a real relief for a contractor whose cash is already tied up in labour and material.
What can you finance with it? Almost any machine that does honest work on a site — excavators, backhoe loaders, wheel loaders, cranes, compactors and road rollers, concrete mixers, tippers, crushers and more. Citi funds both brand-new machines and good used ones, so whether you are upgrading an old loader or buying your first second-hand crane, there is a way to make it work.
The repayment runs over a tenure of 12 to 60 months, so you can pick a term that matches how fast the machine earns. Interest is kept competitive and clear, with no hidden surprises, and a relationship manager stays with you from application right up to disbursal. Want to weigh your choices before deciding? You can compare ICICI Bank and Bajaj Finserv too, or see every lender together on our finance page.
Loan amounts, interest rates and tenures shown here are indicative and are decided by Citi Bank based on your profile. Please confirm the latest terms with the bank or our finance desk before you apply.
Citi Bank provides repayment periods of 12 to 60 months, which is beneficial for your business as it provides the flexibility to manage equipment financing without straining the cash flow or the operations.
Enjoy low and transparent interest rates on construction equipment loans and affordable financing that aligns with your budget and project schedules.
Citi Bank offers loan amounts range that can cover up to 100% of the equipment value making it a perfect offer for the purchase of costly construction machinery without investing any initial reverse payment.
With the well-scripted workflow and processing system around equipment loan, Citi can provide quick financing and fast approvals with minimal paperwork, thus allowing clients the timely acquisition of Machinery.
Citi Bank offers machinery loans for financing new or used equipment. Businesses may opt for low-cost construction equipment or upgrade equipment.
The entire process is managed by dedicated relationship managers, making it simpler for an individual searching for construction equipment financing by providing guidance and custom-fit solutions according to the need.
Wondering what your monthly EMI will look like? Slide the values below and see it right away. As an example, on a ₹30 lakh loan at around 11% for 4 years (48 months), the EMI comes to roughly ₹77,500 a month. Change the loan amount, down payment or tenure and the figure updates on its own — no calculator needed. Want the exact number for your machine? Send us the details and we’ll confirm it with Citi Bank.
You do not need to be a large firm to qualify. Citi Bank lends to contractors, builders and businesses working in construction or infrastructure. What the bank mainly checks is straightforward: do you run a valid, registered business, are your finances steady enough to cover the EMI, and is your credit record clean? A little work history and reliable income go a long way here, and higher funding is easier when your papers are in order. Not sure if you fit? Just call our team first — we look at your case before you spend time gathering documents, so you know where you stand from day one.
PAN Card, Aadhaar Card, Voter ID, Passport, or Driving License of the applicant or business owner
Utility bills, Rent Agreement, Passport, or Aadhaar Card showing the current residential or business address.
GST Registration, Trade License, Partnership Deed, or Company Incorporation Certificate to verify business existence.
Audited financial statements from the last 2–3 years, income tax returns, and bank statements for the past 6 months.
A proforma invoice or quotation from the authorized dealer or supplier for the machinery to be financed.
You do not have to sort this out on your own. You pick the machine, we handle the finance paperwork, and Citi Bank does the approval. That is the whole path from “I need a machine” to “keys in hand.” Share your machine, your city and a few basic details with us on +91 90 5147 5147 or hello@desimachines.com, and our free finance desk lines everything up so a clean file moves quickly.
Explore a wide range of construction and heavy machinery from India’s top brands like CAT, Komatsu, JCB, Tata Hitachi, CASE, and more—all in one place.
Select the equipment model that best fits your project requirement, budget, and usage type—whether it’s for earthmoving, road work, mining, or lifting.
Fill out a quick enquiry form or connect via call, WhatsApp, or email. Desi Machines helps you apply for Machinery Loans or Finance for Machinery with fast approvals.
Citi Bank finances a broad range of construction and industrial machinery, such as excavators, cranes, loaders, concrete mixers, and more. Most heavy-duty equipment required for infrastructure projects qualifies.
Citi Bank offers competitive interest rates on its construction equipment loans based on the borrower’s profile, machine type, and loan tenure. Rates aim to keep equipment financing affordable and flexible.
Yes, Citi Bank offers financing for both new and used equipment, depending on its condition and value. This allows businesses to access cost-effective machinery loans without affecting operational efficiency.
Citi Bank lends to contractors, construction firms, builders, and businesses in infrastructure and earthmoving. Applicants must provide valid business documents and a stable financial history.
Citi Bank offers flexible loan terms of 12 to 60 months, making it easier for businesses to repay their equipment financing according to project timelines and cash flow.
Citi Bank generally uses the financed equipment as collateral, so no additional security is needed. This makes machinery financing more accessible for small and mid-sized businesses.
Citi Bank provides up to 100% financing on eligible construction equipment, depending on machine value and the borrower’s profile. This enables businesses to acquire high-value machinery with minimal upfront costs.
Check Citi Bank equipment finance and loan options across all major cities in India including Mumbai, Pune, Kolkata, Hyderabad, Chennai, Bengaluru, Delhi, Ahmedabad, Indore, Jaipur, Guwahati, and 600+ more locations.
Mumbai
Pune
Nagpur
Navi Mumbai
Thane
Nashik
Aurangabad (Chhatrapati Sambhajinagar)
Solapur
Kolhapur
Amravati
Chandrapur
Yavatmal
Latur
Dhule
Ahmednagar
Jalgaon
Raigad
Beed
Wardha
Palghar
Sangli
Ratnagiri
Satara
Nanded
Akola
Buldhana
Ahmedabad
Gandhinagar
Surat
Vadodara
Rajkot
Bhavnagar
Jamnagar
Mundra
Kutch
Vapi
Anand
Mehsana
Morbi
Surendranagar
Amreli
Bharuch
Navsari
Dahej
Alang
Dholera
Gandhidham
Panaji
Vasco da Gama
Margao
Calangute
Mormugao
Chennai
Coimbatore
Madurai
Tiruchirappalli
Hosur
Salem
Tirunelveli
Vellore
Erode
Thoothukudi
Neyveli
Cuddalore
Virudhunagar
Dharmapuri
Krishnagiri
Thanjavur
Tiruppur
Kancheepuram
Ranipet
Chengalpattu
Kanyakumari
Bengaluru
Mysuru
Hubballi-Dharwad
Belagavi
Mangaluru
Davanagere
Ballari
Hospet
Tumakuru
Shivamogga
Chitradurga
Raichur
Kolar
Hassan
Hoskote
Doddaballapura
Kalaburagi
Bidar
Koppal
Vijayapura
Chamarajanagar
Visakhapatnam
Vijayawada
Amaravati
Guntur
Tirupati
Nellore
Kurnool
Kadapa
Anantapur
Rajahmundry
Kakinada
Eluru
Ongole
Srikakulam
Bheemunipatnam
Machilipatnam
Proddatur
Hindupur
Srikalahasti
Nandyal
Hyderabad
Warangal
Karimnagar
Nizamabad
Khammam
Maheshwaram
Sangareddy
Nalgonda
Adilabad
Suryapet
Siddipet
Ramagundam
Mancherial
Peddapalli
Bhadrachalam
Zaheerabad
Narayanpet
Vikarabad
Medak
Kothagudem
Thiruvananthapuram
Kochi
Kozhikode
Thrissur
Kollam
Palakkad
Malappuram
Alappuzha
Kannur
Kasaragod
Kottayam
Idukki
Wayanad
Pathanamthitta
Ernakulam
Aluva
Angamaly
Perumbavoor
Munnar
Ponnani
Lucknow
Kanpur
Varanasi
Prayagraj
Noida
Ghaziabad
Meerut
Jhansi
Aligarh
Moradabad
Gorakhpur
Mathura
Bareilly
Saharanpur
Ayodhya
Mirzapur
Dadri
Muzaffarnagar
Deoria
Kushinagar
Ballia
Sonbhadra
Gonda
Etawah
Jaipur
Jodhpur
Udaipur
Kota
Ajmer
Bikaner
Alwar
Bhilwara
Barmer
Jaisalmer
Pali
Nagaur
Banswara
Dungarpur
Chittorgarh
Sikar
Sawai Madhopur
Tonk
Bundi
Sriganganagar
Ludhiana
Amritsar
Jalandhar
Patiala
Mohali
Bathinda
Hoshiarpur
Moga
Gurdaspur
Pathankot
Firozpur
Rupnagar
Fatehgarh Sahib
Sangrur
Faridkot
Kapurthala
Nawanshahr
Muktsar
Tarn Taran
Fazilka
Gurugram
Faridabad
Panipat
Ambala
Sonipat
Rohtak
Hisar
Karnal
Rewari
Manesar
Panchkula
Bhiwani
Yamunanagar
Jhajjar
Nuh (Mewat)
Sirsa
Kaithal
Kurukshetra
Bahadurgarh
Palwal
Shimla
Manali
Dharamshala
Solan
Baddi
Mandi
Kullu
Bilaspur
Una
Chamba
Kangra
Rampur
Lahaul-Spiti
Hamirpur
Sirmaur
Kinnaur
Dehradun
Haridwar
Rishikesh
Nainital
Roorkee
Haldwani
Kashipur
Rudrapur
Pantnagar
Champawat
Pithoragarh
Bageshwar
Chamoli
Uttarkashi
Almora
Vikasnagar
Kotdwar
Ramnagar
Srinagar (Pauri)
Tehri
Central Vista
Dwarka
Rohini
Narela
Okhla
Tughlakabad
Shahdara
Janakpuri
Badarpur
Uttam Nagar
Saket
Mundka
Burari
Bawana
Kanjhawala
Najafgarh
Deoli
Mehrauli
Vasant Kunj
Mayur Vihar
Srinagar
Jammu
Udhampur
Katra
Anantnag
Baramulla
Sopore
Pulwama
Ganderbal
Bandipora
Kupwara
Kathua
Reasi
Ramban
Doda
Rajouri
Poonch
Kishtwar
Shopian
Kulgam
Leh
Kargil
Drass
Hanle
Chushul
Zanskar
Nubra
Shyok
Khaltse
Dha-Hanu
Nyoma
Mulbekh
Sector 17 (City Core)
Sector 62 (IT Park)
Industrial Area Ph-1
Industrial Area Ph-2
Manimajra
Panchkula Extension
Mohali Phase 8
ISBT 43
Daria
Hallomajra
Rock Garden Area
Sector 82 (Aerocity)
Kolkata
Durgapur
Asansol
Haldia
Siliguri
Kharagpur
Bardhaman
Medinipur
Howrah
Raniganj
Burnpur
Bankura
Kalyani
Purulia
New Town (Rajarhat)
Bidhannagar
Barasat
Malda
Jalpaiguri
Cooch Behar
Bhubaneswar
Cuttack
Rourkela
Sambalpur
Berhampur
Angul
Talcher
Jharsuguda
Sundargarh
Paradip
Koraput
Rayagada
Keonjhar
Bolangir
Kalahandi
Dhenkanal
Baripada
Jajpur
Kendrapara
Puri
Ranchi
Jamshedpur
Dhanbad
Bokaro
Hazaribagh
Deoghar
Giridih
Ramgarh
Dumka
Lohardaga
Gumla
Palamu
Chatra
West Singhbhum
Pakur
Sahibganj
Koderma
Simdega
Godda
Khunti
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Desi Machines is a platform where you can see and compare construction equipment. It showcases images, brochures, features, technical specifications, brand details & dealer information. All these are taken from respective brand websites, brochures, and other public resources. We do not claim ownership of these materials and strive to ensure their accuracy. However, the disparity may happen and we advise users to verify directly with respective brands and dealers. Desi Machines is not liable for any inaccuracies or reliance on the information provided. Use of this website is at your own discretion.
