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Aditya Birla is one of the leading non-banking financial companies (NBFCs), which was incorporated in October 2007 under the Companies Act 1956. It received its registration certificate from the Reserve Bank of India in May 2009. Aditya Birla Group operates in various financial services like loans, insurance, mutual funds, asset management, and more. ABC has a vast nationwide network that ensures that financial support reaches entrepreneurs, SMEs, and infrastructure developers across the country.
Aditya Birla Capital offers comprehensive construction equipment loan solutions for businesses seeking to invest in excavators, loaders, backhoe loaders, cranes, transit mixers, and other construction machinery. With high LTV (Loan-to-Value) financing, minimal documentation, competitive interest rates, and flexible repayment options, their Equipment Finance helps businesses scale without draining liquidity. Whether it’s brand-new machinery or pre-owned equipment, Aditya Birla’s Equipment Finance division ensures tailored funding to meet project and cash flow needs.
Apart from construction-specific assets, their Machinery Loan products also finance material-handling equipment, diesel generators, industrial compressors, earthmovers, and more. Their offerings are designed with transparent terms, smart EMI structuring, and hassle-free processing. With strong credit support and speedy approvals, Aditya Birla Capital is a trusted financial partner in India’s construction, mining, logistics, and manufacturing ecosystem.
Calculate your loan EMI in 3 easy steps. Use EMI calculator to estimate your EMI and total amount payable.
Aditya Birla Capital’s Equipment Loans are available to contractors, infrastructure developers, builders, logistics providers, and SMEs involved in equipment usage. If you own a registered business with stable income and repayment capability, you are eligible to apply.
Aadhaar, PAN card, passport, or driving license is required for identity verification.
Valid documents like utility bills, passport, Aadhaar, or voter ID with current address.
Last three months' salary slip, in case of a salaried employee, in case of entrepreneurs' financial ITRs, or bank statements to establish financial viability for equipment finance.
A proforma invoice or valuation certificate for new or used construction equipment is required.
Bank statement for the last three months. Any registered bank’s statement can be used.
For self-employed individuals or businesses, a GST certificate, a trade license, a firm registration, or a partnership deed is required.
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.
Aditya Birla Capital’s UDYOG PLUS Business Loan – typically used for equipment financing – offers interest rates ranging from 22 % to 30 % p.a.
Yes. UDYOG PLUS is a collateral-free MSME loan, so small business owners can finance construction machinery without pledging assets.
Salaried individuals must submit salary slips, Form 16, and bank statements, while self-employed applicants need ITRs, CA-certified income statements, and bank statements.
Self-employed: last 2 years’ IT returns, CA‑certified income statements, bank statements.
Public information primarily references new equipment financing, although details on used equipment eligibility are not specified. For used machinery, eligibility may depend on asset condition and internal policy—verify directly with ABCL.
UDYOG PLUS loans offer tenures from 12 to 36 months, suitable for short‑ to mid‑term equipment financing.
The loan is available to MSMEs and SMEs purchasing equipment, with applicants required to have a stable cash flow and a good credit score, and the loan amount ranging from ₹1 lakh to ₹10 lakhs.
While standard business loans permit co-applicants to boost eligibility, specific rules depend on ABCL’s underwriting policy. Check with ABCL directly or via your platform to confirm.
Yes. UDYOG PLUS includes flexible repayment schedules via ECS mandates. Foreclosure after 12 months incurs a charge of 4 % + GST, with 3 % per month as late payment penalties.
Construction-related equipment—like earth augers, excavators, mini mixers, and compactors—qualify under UDYOG PLUS loans, which are tailored for CAPEX needs such as machinery purchase.
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