Excavator 
Backhoe Loader 
Motor Grader 
Wheel Loader 
Crane 
Concrete Mixer 
Compactor 
Skid Steer Loader 
Concrete Pump 
Telehandler 
Loan amount
High funding
New or used machines · quick approvals · EMIs that fit your cash flow. We help you from enquiry to keys-in-hand.
A Karur Vysya Bank equipment loan, offered as KVB Construction Plus, helps you buy machines like excavators, wheel loaders, cranes, compactors and concrete mixers — new or used. KVB is a private-sector bank based in Karur, Tamil Nadu, with around 840 branches and 2,270 ATMs across India. It offers competitive interest, flexible tenure, easy repayment schemes and quick, smooth processing. Contractors, builders, fleet owners and infrastructure developers all apply. Tell us your machine and city, and the Desi Machines finance desk will help move your loan along — no long queues, no confusing paperwork.
Down south in Karur, a small textile town in Tamil Nadu, sits one of India’s older private banks. Karur Vysya Bank (KVB) has been serving traders and small businesses for a long time, and today it runs a wide network of about 840 branches and 2,270 ATMs across the country. It is not a giant government bank, but it is steady and comfortable dealing with contractors, fleet owners and family-run firms. So if you like a bank that knows small businesses well, KVB is worth a look.
The bank’s equipment-loan product is called KVB Construction Plus. In plain words, it is money the bank lends you to buy a machine. You put the machine to work on your site, earn from it, and pay the bank back in easy monthly instalments (EMIs) from that income. The machine itself usually stands as the security for the loan, so you may not have to pledge extra land or property. A good thing about KVB Construction Plus is that it funds both brand-new machines and sound second-hand ones — handy when a used backhoe fits your budget better than a new one.
What can you buy with it? Pretty much any machine that does real work on a site — excavators, backhoe loaders, graders, wheel loaders, cranes, compactors and road rollers, concrete mixers, tippers and other construction or mining gear. It does not matter if the exact model is listed on Desi Machines or not; if it is a genuine construction machine, KVB can usually fund it.
KVB keeps the paperwork simple and the processing quick, with flexible tenure and repayment plans you can actually manage. Interest is competitive and decided by the bank based on your profile, so pay your EMIs on time and you keep a clean record for the next machine too. The idea is simple: you get the machine now, keep your cash free for diesel, wages and running costs, and let the machine pay for itself. Want to weigh a bigger public bank instead? You can compare SBI and HDFC Bank too, or see every lender together on our finance page.
Loan amounts, interest rates and tenures shown here are indicative and are decided by Karur Vysya Bank based on your profile. Please confirm the latest terms with the bank or our finance desk before you apply.
Specifically designed for entities engaged in trading cement, bricks, tiles, paints, bathroom fittings, and other construction/interior materials with over two years of profitable business operations.
Meets your business’s working capital needs through fund-based limits like SOD-RE (Secured Overdraft–Receivables) and OCC (Open Cash Credit).
Access non-fund-based facilities such as Bank Guarantees (BG), Inland Letter of Credit (ILC), and Foreign Letter of Credit (FLC) to manage trade and procurement efficiently.
Eligible accounts may be classified under Priority Sector Lending (PSL) as per RBI guidelines, offering benefits like lower interest rates and regulatory advantages.
Requires a minimum internal KVB BB rating (score of 51 and above), ensuring disciplined financial eligibility and faster processing for eligible borrowers.
Offers a comprehensive financing solution with both fund and non-fund-based options to suit varied business models in the construction supply ecosystem.
Wondering what your monthly EMI will be? Slide the values below and see it right away. For example (just an illustration), on a ₹30 lakh loan over 5 years, your EMI works out to roughly ₹64,000 a month — the exact figure depends on the interest rate KVB sets for you. Change the amount, down payment or tenure and the number updates on its own, no maths needed. Want the real figure for your case? Send us the details and we’ll confirm it with Karur Vysya Bank.
You do not have to be a big firm to qualify. KVB lends to contractors, fleet operators, plant hirers, builders, mining operators and SMEs working on infrastructure or construction projects. What the bank really checks is straightforward: is there a steady source of income to cover the EMI, are your basic KYC papers in order, and do you meet the credit and equipment criteria? Being an established private bank, KVB likes clean records and disciplined borrowers, but the process stays friendly. If you are not sure whether you fit, just talk to our team first — we check for you before you spend time on paperwork.
PAN card, Aadhaar card, passport, voter ID, or driver’s license.
Recent utility bills, Aadhaar, passport, or driving license with current address.
Bank statements for the last 6 months, ITRs, audited financials (for businesses).
GST registration, firm registration, shop license, or other business ownership documents.
A proforma invoice for new equipment or a certified valuation for used machinery.
Loan track records and foreclosure letters for refinancing requests.
Applying is simpler than most people expect, and you don’t have to work it out on your own. You pick the machine, we help you get the finance papers in order, and Karur Vysya Bank does the approval under KVB Construction Plus. Here is the easy path from “I need a machine” to “keys in hand” — most complete files move through in just a few working days.
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Contractors, builders, fleet operators, plant hirers, mining businesses, and SMEs engaged in infrastructure projects or trading construction materials are eligible, provided they have over two years of profitable operations.
Karur Vysya Bank finances both new and used equipment such as excavators, backhoe loaders, graders, wheel loaders, compactors, cranes, and other construction and mining machines.
Yes, KVB offers financing for both new and pre-owned construction equipment, subject to valuation and eligibility criteria.
The borrower must have a minimum internal rating of KVB BB, which corresponds to a score of 51 or above at the time of loan application.
KVB provides fund-based limits such as SOD-RE and OCC, along with non-fund-based limits like BG (Bank Guarantee), ILC (Inland LC), and FLC (Foreign LC).
Yes, eligible accounts may be classified under Priority Sector Lending as per current RBI guidelines, which could offer interest and regulatory advantages.
You’ll need identity proof, address proof, income proof (bank statements/ITRs), business proof, equipment invoice/valuation, and any existing loan details if opting for refinancing.
KVB is known for its smooth documentation process and quick disbursal, making it a preferred lender for construction equipment financing across India.
Check Karur Vysya Bank 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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