Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
Up to 100% funding
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
An HDB construction equipment loan helps you buy machines like excavators, backhoe loaders, cranes, wheel loaders and tippers — new or used. HDB Financial Services, an NBFC backed by HDFC Bank, offers up to 100% financing on the asset cost, so you may not need a big down payment. Repayment stretches up to 48 months, with EMIs set to fit your project's cash flow, and interest fixed on your profile. Used-equipment, re-finance and top-up options are all available. Individuals, contractors, firms and companies can apply. Tell us your machine and city, and the Desi Machines finance desk will help you get it moving.
Say you have found the right excavator, but the price tag is more than your bank balance. That gap is exactly what HDB Financial Services (HDBFS) was built to close. HDBFS is a Non-Banking Financial Company (NBFC) and a subsidiary of HDFC Bank, so it carries a trusted name but works with the speed and flexibility of a finance company rather than a slow-moving bank counter. It reaches customers across India through branches and digital channels, which means a contractor in a small town can get the same help as one in a big city.
An HDB construction equipment loan is money the company lends you to buy a machine, which you then repay in easy monthly instalments (EMIs) from the work the machine earns. In most cases the machine itself stands as the security, so you may not need to pledge extra property. One thing that sets HDBFS apart is the funding limit — it offers up to 100% financing on the asset cost. In plain words, you may not have to put down a big lump sum before you get the keys, which keeps your own cash free for diesel, wages and running the site.
What can you finance? Most of the machines that do real work on the ground — backhoe loaders, excavators, mini excavators, dumpers, wheel loaders, cranes, compactors and road rollers, concrete mixers, pavers, graders, crushing plants, forklifts and piling rigs. New or second-hand, both are covered. HDBFS also allows financing for used equipment and even re-purchase and re-finance, so upgrading an older machine or shifting an existing loan is possible too.
Repayment runs up to 48 months, and the EMI is set to match how a project’s money actually comes in. Interest is decided on your profile, and rates stay competitive for a company of this size. Already have a loan running? A top-up facility can give you extra funds for a bigger machine or working capital without starting over. If you would rather weigh a few names side by side, you can compare Bajaj Finserv and Tata Capital on our finance page before you decide.
Loan amounts, interest rates and tenures shown here are indicative and are decided by HDB Financial Services based on your profile. Please confirm the latest terms with the company or our finance desk before you apply.
Enjoy repayment flexibility with loan tenures of up to 48 months, allowing businesses to align EMIs with project timelines and cash flow requirements.
Finance available for all major construction and infrastructure machinery including Backhoe Loaders, Excavators, Mini Excavators, Dumpers, Cranes (of all types), Wheel Loaders, Pavers, Dozers, Graders, Compressors, Crushing Plants, Concrete Pumps, Forklifts, Piling Rigs, and more.
Get up to 100% financing on the asset cost, eliminating the need for heavy upfront investment and preserving business liquidity.
Avail financing for used construction equipment, including re-purchase and re-finance options, making it easier to upgrade or expand your machinery fleet cost-effectively.
Enhance existing equipment loans with a top-up facility, giving businesses access to extra funds for machinery upgrades, expansion, or working capital.
Benefit from customized equipment financing plans tailored to your business needs, supported by minimal paperwork, easy processing, and fast approvals across India.
Wondering what your monthly EMI will be? Slide the values below to see it instantly. For example, on a ₹35 lakh loan over 4 years (48 months), the EMI works out to roughly ₹89,000 a month at an illustrative rate — the real number depends on the rate HDBFS sets for you. Change the amount, down payment or tenure and it updates on its own, no maths needed. Want the exact figure for your case? Send us the details and we’ll confirm it with HDB Financial Services.
You do not need to run a large company to qualify. HDB Financial Services lends to contractors, builders, sole proprietors, partnership firms, companies and individuals working in construction, infrastructure or mining. What matters most is straightforward: steady income to cover the EMI, a reasonable track record, and a clean credit profile. Both new and used equipment can be financed, so a second-hand backhoe within your budget is just as welcome as a brand-new one. If you are not sure whether you fit, talk to our team first — we check for you before you spend time gathering papers, so nobody’s effort is wasted.
PAN card, Aadhaar card, passport, voter ID, or driver’s license and latest passport size photographs.
Recent utility bills (not older than 2 months), Aadhaar, passport, rent agreement, or driving license with current address.
Provide updated bank statements, IT returns, and profit & loss statements to demonstrate financial stability and repayment capacity.
Submit fleet list, registration documents, MOA/AOA, partnership deed, or landholding records to validate business authenticity and continuity.
Provide a valid proforma invoice or equipment quote detailing asset cost and specifications to initiate HDBFS financing application.
HDBFS requires machinery hypothecation as primary security, with optional collateral like third-party guarantees, property, or FDs for loan approval.
Applying is simpler than most people expect, and you don’t have to sort it out on your own. You pick the machine, we handle the finance paperwork, and HDB Financial Services does the approval. That’s the whole path from “I need a machine” to “keys in hand” — send us the details on +91 90 5147 5147 or hello@desimachines.com and most complete files move in just a few working days.
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.
You can finance a wide range of machinery, including backhoe loaders, excavators, cranes, graders, wheel loaders, RMC plants, and many more.
HDBFS offers competitive interest rates ranging from 8% to 24%, based on customer profile, asset type, and tenure.
HDBFS provides loan tenure of up to 48 months, making it easier to align EMIs with your project cash flows.
Yes, HDB Financial Services offers loans for both new and used equipment, including refinance and re-purchase options.
Contractors, plant hirers, infrastructure developers, farmers, quarry operators, and even first-time users are eligible for construction equipment financing.
You’ll need KYC documents, bank statements, ITRs, business registration, equipment invoice, and other standard financial proofs.
With simple documentation and streamlined processes, HDBFS ensures quick approval and fast loan disbursal, often through its digital platform.
Primary collateral is the hypothecation of the equipment. In some cases, additional security like property or third-party guarantee may be required.
Yes, a comprehensive insurance policy is mandatory to safeguard the financed construction equipment from theft, fire, or damage.
Yes, repayment plans are customized as per project cash flows, ensuring ease of payment without straining your finances.
Check HDB Financial Services 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.
