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Mahindra Finance is one of India’s top non-banking financial companies (NBFCs), trusted by many customers in rural and semi-urban areas. Backed by the Mahindra Group, the company provides various financial services, such as vehicle loans, SME loans, and rural housing finance. With a network of over 1,300 branches across India, Mahindra Finance is recognized for its deep understanding of regional markets and flexible financing solutions tailored to individual needs.
For contractors, builders, and infrastructure developers, Mahindra Finance offers Construction Equipment Loans to help acquire high-value machinery without impacting working capital. These loans cover a variety of machines, including backhoe loaders, excavators, transit mixers, cranes, and graders. Whether you are buying new equipment or need funds for used machinery, Mahindra’s construction equipment finance offers minimal down payment, quick processing, and customized EMI plans.
Mahindra Finance’s machinery loans prioritize ease and convenience, requiring little documentation and providing flexible tenures based on the borrower’s cash flow. The company finances machinery for individuals, firms, and companies involved in construction, mining, and infrastructure. With attractive interest rates and strong after-sales service, Mahindra Finance has become a trusted name in equipment finance throughout India
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.
To be eligible for Mahindra Finance Construction Equipment Loan, applicants — including individuals, proprietorships, partnerships, firms, and companies — must be Indian residents aged between 21 to 65 years and actively engaged in business for at least 2 to 3 years. A good CIBIL score (typically 650 or above) is generally required to qualify for financing. This construction equipment finance is ideal for contractors, plant hirers, MSMEs, and businesses looking for machinery loans, equipment loans, or finance for heavy equipment to support their infrastructure or construction operations.
PAN card, Aadhaar, voter ID, passport, or driving license and lates passport size photographs for identity verification.
Utility bill, Aadhaar, passport, voter ID, or rent agreement showing current residence or business location.
Valid business registration certificate, GST number, or partnership deed confirming business ownership and operational status.
Last 6 months' bank statements and recent ITRs verifying income stability and financial health.
Proforma invoice or machinery quotation showing make, model, supplier, and total equipment cost breakdown.
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Mahindra Finance Construction Equipment Loan is a tailored financing solution for purchasing new or used construction machinery. It supports contractors, builders, and infrastructure companies with easy access to machinery loans and equipment finance, ensuring smooth project execution without cash flow disruptions.
Indian residents aged between 21 and 65 years, including individuals, proprietorships, partnerships, firms, and companies, are eligible. Applicants must have a stable business with at least 2–3 years of operation, especially in construction or infrastructure sectors.
You can get finance for construction machinery such as backhoe loaders, excavators, cranes, graders, transit mixers, and other heavy equipment essential for construction and mining operations.
Mahindra Finance offers construction equipment loans covering up to 90% of the equipment value, depending on the machine type, borrower profile, and repayment capacity.
Yes, Mahindra Finance offers equipment loans for both new and used machinery, with flexible terms and minimal processing time.
Mahindra Finance offers competitive interest rates for its construction equipment and machinery loans. While actual rates depend on factors like credit profile and loan tenure, they typically fall in the range of 7.2% to 16% per annum. These rates ensure affordable equipment finance for contractors, plant hirers, and MSMEs.
The repayment tenure for machinery finance from Mahindra can range from 12 months to 60 months or more, based on your cash flow and business requirements.
Yes, Mahindra Finance charges a foreclosure fee if the loan is repaid before the end of the tenure. A charge of 6% on the outstanding principal applies if the loan is foreclosed within the first 24 months, and 3% if foreclosed after 24 months. Borrowers should evaluate the prepayment option carefully by comparing interest savings against these charges before opting for early repayment of their equipment loan.
Yes, a good credit score (CIBIL 650+) enhances your chances of getting quick approval for construction equipment finance, though Mahindra Finance may also evaluate business stability and income profile.
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