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Ratnaafin is a fast-growing NBFC and financial services provider, offering a wide range of lending solutions tailored to entrepreneurs, MSMEs, and infrastructure businesses across India. With a mission to empower business growth through accessible finance, Ratnaafin has emerged as a trusted name in machinery loans, equipment financing, and SME credit, especially in Tier II and Tier III cities.
One of its flagship offerings is the Construction Equipment Loan, designed to help contractors, fleet owners, and builders acquire essential machinery like excavators, backhoe loaders, tippers, cranes, and graders. Whether you’re purchasing brand-new or second-hand equipment, Ratnaafin ensures quick approvals, competitive interest rates, and flexible EMIs—so that you can focus on your project deadlines, not your financing worries.
Ratnaafin also provides working capital loans, top-up options, and equipment refinancing solutions, making it a complete financial partner for infrastructure development. With simple documentation, dedicated customer support, and branch-assisted or digital applications, Ratnaafin makes construction equipment ownership easy and efficient.
Calculate your loan EMI in 3 easy steps. Use EMI calculator to estimate your EMI and total amount payable.
Ratnaafin’s Construction Equipment Loans are available for contractors, small business owners, and infrastructure operators with stable income sources and basic KYC. Both salaried professionals and self-employed individuals involved in construction, mining, or logistics can apply.
Aadhaar, PAN, voter ID, passport, or driving license for identity and address proof.
GST registration, trade license, or company incorporation documents.
Last 6–12 months’ bank statements and latest ITRs or audited financials.
Proforma invoice for new equipment or valuation report for used machinery.
Hypothecation of the financed machinery; additional security may be requested for high-ticket loans.
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.
Select the equipment model that best fits your project requirement, budget, and usage type—whether it’s for earthmoving, road work, mining, or lifting.
You can finance excavators, tippers, cranes, backhoe loaders, compactors, and other construction machinery.
Yes—Ratnaafin offers loans for both new and used construction equipment.
Loan tenure can go up to 60 months, based on the equipment and borrower profile.
Funding is typically available up to 90%, depending on creditworthiness and equipment type.
Loans are usually processed and disbursed within 3–7 working days, subject to documentation.
Yes—Ratnaafin accepts both online and offline applications, with support available throughout.
Yes—refinancing and top-up loans are available to improve cash flow and ease repayments.
Yes—equipment insurance is required and can be bundled into your loan EMI.
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