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Kotak Mahindra Bank is a top private sector bank in India that offers a wide range of business lending products. It has a strong presence in corporate and MSME financing and provides tailored solutions. These include working capital, term loans, and dealer and commercial vehicle finance, all supported by a focus on customer service and quick processing. Their infrastructure finance division gives complete support to businesses in construction, heavy equipment, and transport logistics.
Kotak’s Construction Equipment Loan offers financing for earth-moving, material-handling, road-building, and concrete machinery, both new and used. It features up to 100% financing, flexible terms (12 to 48 months), simple documentation, and fast approvals. This Loan for Construction and Mining Equipment is designed for convenience. Whether you’re buying excavators, cranes, or transit mixers, or if you need a used equipment loan, Kotak’s solutions address various equipment financing needs, including top-ups, refinancing, and balance transfers.
Kotak’s Equipment Machinery Loan and Equipment Financing help contractors, miners, and fleet operators manage seasonal cash flows and grow their operations. They offer competitive rates starting around 24% and clear fee structures, which include processing charges up to 3%, documentation fees, and penal charges. Their value-driven options include loans against construction equipment, quick turnaround times, and expert valuations. This enables businesses to acquire or refinance machinery with minimal hassle. These Commercial Vehicle and Construction Equipment Loan programs highlight Kotak’s dedication to supporting infrastructure development through asset-backed financing.
Calculating your Machinery Loans EMI has never been easier. Use our Machinery Loans EMI Calculator to input your desired amount, interest rate, and tenure, and view an instant summary of your EMI amounts. You can also simply adjust the amount and tenure to see how it affects your EMI repayments. Grow your business faster with our Machinery Loans EMI Calculator.
Kotak Mahindra Bank offers Construction Equipment Loans to contractors, fleet owners, self-employed individuals, partnerships, and private limited companies operating in infrastructure, logistics, or mining. Applicants must have stable business income, minimum one year of operations, and satisfactory repayment capacity. Credit history and project pipeline also influence loan approval.
PAN Card, Aadhaar, passport, voter ID, or driving license.
Utility bill, Aadhaar, passport, or rental agreement.
GST certificate, shop license, partnership deed, or company registration documents.
Latest ITRs, balance sheets, and bank statements for the past 6 months.
A proforma invoice for new machinery or a valuation report for used equipment.
Hypothecation or property documents for additional security.
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.
Kotak offers financing for both new and used equipment. This includes excavators, backhoe loaders, cranes, transit mixers, tippers, road rollers, concrete pumps, and more. The loan covers a broad range of construction and mining equipment.
Interest rates for Construction Equipment Loans vary based on asset type, loan amount, borrower profile, and loan duration. Generally, rates start at around 24% per year. For specific details, it’s best to contact a Kotak representative or check your eligibility online.
Eligibility includes individuals, contractors, proprietorships, partnerships, companies, and fleet owners with a valid business profile. Applicants need a stable financial history and the necessary documents to prove their ability to repay.
The equipment being financed typically serves as the main collateral. However, sometimes they may ask for additional collateral or personal guarantees based on credit assessment and loan amount.
Loan terms usually range from 12 to 48 months. This allows businesses to pick repayment plans that fit their cash flow and project schedules.
Yes, you can prepay or close the loan after a minimum lock-in period. Prepayment charges or foreclosure fees may apply based on the terms agreed upon during the loan disbursal.
Kotak ensures quick approval and disbursal with minimal documentation. In many cases, loans are processed within a few working days, especially when all required documents are ready.
Common documents include KYC proofs, bank statements, audited financials, income proof, equipment proforma invoice, and business registration documents. The exact requirements differ based on borrower type and loan size.
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